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.
Past campaigns: up to 20% a year 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
Automatic Invest - Technology Transfer Centre III · 10-16% · 24 mo
Progressive InterestRomanian Individual · 10% tax
Annual Contract Rate
11%
At the next level, investing at least € 1 250 increases your Contract Rate to 11.25% p.a.
€ 220
−
€ 22
=
€ 198
(19.80%)
At a glance
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.
| Criteria | stock.estate Real estate crowdlending | REITs (listed) | Property funds |
|---|---|---|---|
| Return profile | Up to 20% / year (historical) | 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 |
Portfolio fit
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.
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.
stock.estate campaigns have offered up to 20% per year, and each campaign sets its own rate. REIT returns depend on dividends and share-price movement. Property fund returns depend on the pooled portfolio.
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.
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.
stock.estate campaigns can start from EUR 100. REITs usually start at one share price, while property funds may set their own minimum subscription.
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.
Next step
Choose the real estate exposure you actually want.
If you want pooled market exposure, REITs or funds may fit. If you want to select individual secured loans with fixed-rate interest, compare the live campaigns.
