How is crowdfunding different from a REIT?

With stock.estate you lend to a specific real estate project. With a REIT, you buy listed shares in a company that owns or operates a portfolio.

Which has higher returns?

stock.estate campaigns offer net annual returns of 10% to 16%, and each campaign sets its own rate. REIT returns depend on dividends and share-price movement. Property fund returns depend on the pooled portfolio.

Is crowdlending more or less risky than a fund?

It is different. Crowdlending depends on the borrower and campaign security. Most campaigns have a first-grade mortgage, but enforcement can still be delayed and we may not recover the full amount.

Can I diversify like a fund does?

Yes, but manually. You choose separate campaigns instead of buying one pooled fund. That gives control, but it also means you need to diversify deliberately.

How much do I need to start?

stock.estate campaigns can start from EUR 100. REITs usually start at one share price, while property funds may set their own minimum subscription.

What should I read before investing?

Start with the KIIS document, the most important document for each campaign. Then read the campaign page, loan agreement, risk warnings, collateral documents where available, fees, tax notes, and repayment schedule.

Crowdlending vs REITs

A practical comparison for investors who want real estate exposure without buying property directly. stock.estate gives fixed-rate, deal-by-deal lending exposure, while REITs and property funds give pooled market exposure.

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Net annual return of 10% to 16% paid monthly on many campaigns
Choose individual projects instead of buying a blind pool
Secured by registered mortgages not marked to market daily

Calculate your investment returns

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Grivita nr. 42-14 II

10-16%6 mo

Investment amount

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Individual

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Interest11% for 6 mo

€ 55

Tax

You earn

Next level: 11.25% p.a. from € 1 250

Real estate crowdlending vs REITs vs property funds

All three can give real estate exposure, but the mechanics are very different: private fixed-rate loans, listed shares, or pooled fund units.

Real estate crowdlending vs REITs vs property funds
Criteria	stock.estate Real estate crowdlending	REITs (listed)	Property funds
Return profile	10%–16% net / year	Dividend yield + share price	Pooled fund return
Exposure type	Fixed-rate loan	Listed equity share	Fund units
Collateral or backing	Mortgage target 150%	Property portfolio equity	Pooled portfolio
Project choice	Deal by deal	Pooled portfolio	Pooled portfolio
Price volatility	Not listed daily	Daily market price	NAV changes
Income timing	Monthly interest	Periodic dividends	Distributions
Minimum to start	From EUR 100	One share price	Fund minimum
Liquidity	Term-based	High	Varies by fund

Pick the structure that matches how you want exposure

REITs and funds are easier for broad market exposure. Crowdlending is more direct: you choose the borrower, project, rate, maturity, and security package.

Use REITs for liquidity
Listed REITs can be bought and sold quickly, but prices move with public markets.
Use funds for pooled exposure
Property funds can diversify across assets, but the manager chooses the portfolio.
Use crowdlending selectively
Consider it when you want fixed-rate project loans and can hold for the campaign term.

Common questions

What investors ask before choosing crowdlending over REITs or property funds.

Read investment risks

Real estate investments with net annual returns of 10% to 16%

Starting at €100.

stock.estate is an ASF-licensed European real estate crowdfunding platform. Invest from €100 in fixed-rate real estate loans, secured by collateral, and earn fixed interest set per campaign.

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