Trust that compounds!
stock.estate real estate investments vs deposits and bonds
A practical comparison for investors weighing what to keep in cash, what to put into fixed income and what they can expose to real estate-backed private credit.
At stock.estate:
Invest in vetted real estate projects starting from €100.
Receive fixed interest every month, backed by a first-rank mortgage.
Earn net annual returns of 10% to 16%.
Your funds are protected in segregated BCR (Erste Group) accounts.
Calculate your investment returns
Grivita nr. 42-14 II
10-16%6 moTax residence
Fees explainedSelect country
Individual
Select your country of tax residence to calculate withholding tax.
- Interest11% for 6 mo
- € 55
- Tax
- You earn
Next level: 11.25% p.a. from € 1 250
€ 14.7MInvested amount
€ 6.9MReimbursed amount
13.89%Return
1Number of defaults
The options in your portfolio
Diversify by what the money is for: emergency cash, conservative fixed income, or capital you can allocate to project-level risk.
Criteria | stock.estate Real estate crowdlending | Bank deposits | EUR government bonds |
|---|---|---|---|
| Return profile | 10%–16% net / year | EUR deposits: ~0.5%-2.0% | Recent Fidelis EUR: 4%-6.8% |
| Capital protection | Secured loans, not guaranteed | Deposit guarantee scheme | Government-backed |
| Collateral or backing | Mortgage target 150% | - | Sovereign issuer |
| Liquidity | Term-based | High | Tradable |
| Income timing | Fixed interest paid monthly | Usually at maturity | Periodic coupons |
| Minimum to start | From EUR 100 | Varies by bank | Set by issuance |
| Regulation | ESMA / ASF licensed | Banking regulation | State issuer |
| Best used for | Yield allocation | Cash reserve | Fixed income |
Benchmark rates change. Treat any deposit or bond yield as a dated example, not a promise. Recent Fidelis EUR tranches have varied by maturity and issuance, so compare current official documents before deciding.
What this comparison should not hide
Real estate crowdlending is an investment, not a bank deposit or savings account.
Crowdfunding investments are not covered by deposit-guarantee or investor-compensation schemes.
Late repayment, partial recovery, or loss of capital remain possible even on secured campaigns.
Always read the campaign documents, fees, repayment schedule, and risk warnings before investing.
stock.estate in your portfolio
With progressive net annual returns of 10%–16% and fixed interest paid monthly, stock.estate can widen your opportunities and diversification.stock.estate investments should not replace money you need right away; they should complement your portfolio.
Keep deposits for liquidity
Emergency funds and near-term spending usually belong in simple, accessible products.
Use bonds for fixed income
EUR government bonds can fit conservative portfolios, but prices and yields still move.
Diversify your real estate investments
Capital you can commit for the full campaign term at the stated returns. Spread your real estate investments to widen your opportunities and reduce your exposure.
Common questions
Questions and answers before you move capital from your portfolio into real estate investments through stock.estate.
Investor advantages
Trust that compounds!
Mortgage-Secured Investments
Every listed opportunity offers at least 150% real estate collateral, registered as a mortgage in favour of investors and the amounts financed.
The documents are notarised and published in every active campaign.
Secured Funds
Your investment is protected by a single enforceable contract, as the regulation requires.
Funds are segregated: stock.estate does not hold or manage them; they are administered independently by BCR (Erste Group). Your money is safe at every step.
EU-Regulated Transparency
Every campaign includes the project’s financial data and the developer’s legal documents.
stock.estate is authorised and supervised by the ASF under the European ECSP regulation (ESMA).
How your investment works
Three steps, from opening an account to monthly interest.
Register
Create a free account on stock.estate and complete a quick identity check. It only takes a few minutes.
Invest
Choose a campaign and invest alongside other investors. We offer full transparency and net returns of 10% to 16% a year.
Earn
Receive interest and principal on the signed schedule. Reinvest or withdraw them; withdrawals of €100 or more are free.
Real estate investments with net annual returns of 10% to 16%
Starting at €100.
Over 100 projects funded and €14.6 million invested by stock.estate clients. Funded projects have already repaid over €6.9 million to clients in principal and fixed monthly interest.
