Platform fees
Calculate a campaign return
Choose an active campaign to see its exact term, return, platform fee, tax and eligible cashback.
uni-steel.com
14% p.a. · 24 months · min. € 1 000
Cashback levels
Recoltei Residence – Constanța
13.5% p.a. · 12 months · min. € 1 000
Cashback levels
Via Cesare Balbo 28
13.5% p.a. · 12 months · min. € 1 000
Cashback levels
NBI for Ivory Residence
11% p.a. · 6 months · min. € 100
Victoria Residence
13.5% p.a. · 12 months · min. € 277
Cashback levels
Via San Francesco d'Assisi n. 6
13.5% p.a. · 12 months · min. € 1 000
Cashback levels
Complete campaign calculation
- Gross interest · 14% p.a. × 24 months
- € 2 800
- Administration fee · 0.2% per month
- − € 480
- Withholding tax · 10%
- − € 232
- Net interest
- € 2 088
Cashback · 2% for this term
Cashback is calculated after fundraising closes and becomes available in the following month.
- + € 200
- Net earnings
€ 2 288
(22.88%)
Does not apply to late reimbursements or investments in recovery.
Investor fees
Monthly administration fee on active portfolio
ChargedValue
0.2% / month
Notes
Applied monthly to the active investor portfolio. It does not apply to late reimbursements or recovery cases.
Account opening fee
0 feeValue
0
Notes
Not charged by stock.estate.
Account administration fee
0 feeValue
0
Notes
Not charged by stock.estate.
Deposit fee (bank transfer)
0 feeValue
0
Notes
Not charged by stock.estate.
Withdrawal fee
0 feeValue
0
Notes
Not charged by stock.estate.
Investment execution fee
0 feeValue
0
Notes
Not charged by stock.estate.
Early exit fee
0 feeValue
0
Notes
Not charged by stock.estate.
Secondary market buy fee
ChargedValue
1%
Notes
Charged to buyers when a secondary-market purchase settles.
Secondary market sell / claim transfer fee
ChargedValue
1%
Notes
Charged to sellers when a secondary-market listing is executed.
| Fee item | Applies to | Value | Notes |
|---|---|---|---|
| Monthly administration fee on active portfolio | Investors | 0.2% / month | Applied monthly to the active investor portfolio. It does not apply to late reimbursements or recovery cases. Charged |
| Account opening fee | Investors | 0 | Not charged by stock.estate. 0 fee |
| Account administration fee | Investors | 0 | Not charged by stock.estate. 0 fee |
| Deposit fee (bank transfer) | Investors | 0 | Not charged by stock.estate. 0 fee |
| Withdrawal fee | Investors | 0 | Not charged by stock.estate. 0 fee |
| Investment execution fee | Investors | 0 | Not charged by stock.estate. 0 fee |
| Early exit fee | Investors | 0 | Not charged by stock.estate. 0 fee |
| Secondary market buy fee | Investors | 1% | Charged to buyers when a secondary-market purchase settles. Charged |
| Secondary market sell / claim transfer fee | Investors | 1% | Charged to sellers when a secondary-market listing is executed. Charged |
Developer fees
Developer fees apply only to real estate developers and do not affect investor gains.
Fundraising success fee (minimum target reached)
ChargedValue
2% / 6 months; 4% / year
Notes
Applied only when a campaign reaches its minimum target. The fee is 2% for a 6-month term and 4% otherwise, with a prorated fee at the 12-month renewal.
Monthly administration fee on outstanding principal
ChargedValue
0.2% / month
Notes
Applied monthly on the outstanding principal left to be paid by the developer.
Project upload / listing fee
0 feeValue
0
Notes
Not charged by stock.estate.
Campaign promotion / advertising fee
0 feeValue
0
Notes
Not charged by stock.estate.
Contract amendment / prolongation fee
0 feeValue
0
Notes
Not charged by stock.estate.
Collateral / mortgage administration fee
0 feeValue
0
Notes
Not charged by stock.estate.
Debt administration / recovery / asset realization fee
0 feeValue
0
Notes
Not charged by stock.estate.
| Fee item | Applies to | Value | Notes |
|---|---|---|---|
| Fundraising success fee (minimum target reached) | Developers Developer only | 2% / 6 months; 4% / year | Applied only when a campaign reaches its minimum target. The fee is 2% for a 6-month term and 4% otherwise, with a prorated fee at the 12-month renewal. Charged |
| Monthly administration fee on outstanding principal | Developers Developer only | 0.2% / month | Applied monthly on the outstanding principal left to be paid by the developer. Charged |
| Project upload / listing fee | Developers | 0 | Not charged by stock.estate. 0 fee |
| Campaign promotion / advertising fee | Developers | 0 | Not charged by stock.estate. 0 fee |
| Contract amendment / prolongation fee | Developers | 0 | Not charged by stock.estate. 0 fee |
| Collateral / mortgage administration fee | Developers | 0 | Not charged by stock.estate. 0 fee |
| Debt administration / recovery / asset realization fee | Developers | 0 | Not charged by stock.estate. 0 fee |
Fees FAQs
Stock.estate applies a 0.2% monthly management fee, calculated on the value of the investment portfolio managed through the platform. The fee is processed directly through the platform and is clearly displayed in the user account, within the “My Investments” section, being fully reflected in the available financial reports.
Yes. Interest generated from investments made through Stock.estate is subject to a 10% withholding tax. The tax is applied to the net interest, after deducting the management fee. Calculation and withholding are handled automatically by the platform, and all relevant details are available to investors in their accounYes. The interest earned from investments made through Stock.estate is subject to taxation, through withholding tax for individual investors and direct taxation for legal entities (please refer to the “Taxes and Withholding” section for details).
The tax is applied to the net interest, after deducting the management fee. Calculation and withholding are handled automatically by the platform, and all relevant details are available to investors within the financial reports in their account.t reports.
Depending on the payment method selected (Swift/SEPA) and the transfer amount, SEPA conditions are generally more cost-effective, requiring only a few Euros for payment, whereas Swift transactions can incur significantly higher fees, sometimes reaching few Euro.
Stock.estate does not charge any commission, but there may be foreign exchange collection commissions, applied by the bank where you hold the account.
Firstly, there's a risk that the eventual exchange rate used to convert your amounts into Euros might not be favorable to you. Additionally, many banks prefer not to process transfers in currencies other than the destination account's currency, typically Euro. Therefore, we recommend conducting currency exchanges individually and initiating transfers in Euro.
Yes, interest income above a certain threshold must be declared in the Unique Declaration (UD). The deadline for declaration varies depending on specific thresholds, which may also include other types of income. It's typically within 30 days from receiving the income or by the legally established deadline in the following year. For more detailed information, we advise you to consult with your tax advisor.
Yes, both individuals and legal entities can deduct commissions charged by Stock.estate. This helps in reducing income/profit tax, covering operational costs related to investments.
For more detailed information, please consult your tax advisor.
Below is an overview of how withholding tax apply on Stock.estate, depending on your investor type and country of residence.
Withholding Tax (WHT) applies to earnings (interest) from investments, not to the invested amount. Rates depend on the investor’s fiscal residency and legal status.
| Investor Type | Withholding Tax | Explanation |
|---|---|---|
| Romanian Individual | 🔻 10% withheld | Automatically retained and paid by Stock.estate to the Romanian Tax Authority. |
| Foreign Individual (with Tax Residency Certificate) | ⚖️ 0–16% | Based on the double taxation treaty between Romania and your country. Default rate 16% if no certificate provided. |
| Romanian Legal Entity | ❌ No withholding | The company declares its own income and tax obligations. |
| Foreign Legal Entity (with Tax Residency Certificate) | ⚖️ 0–16% | Same logic as for foreign individuals — rate depends on tax treaty. Default 16% without certificate. |
📘 Useful resources
To see the exact withholding tax rate applicable for each country, please consult the official Deloitte database available here: 👉 https://dits.deloitte.com/ 📘 Key Notes
- To benefit from a reduced WHT rate, upload your Tax Residency Certificate before interest distribution.
- You can check all applicable taxes and your net yield using the “Simulate” tool on your dashboard.
Authorised in Romania, passported across the EU
ASF licence PJR28FSFPR/400002 · Active ESMA record · Licence active across all EU member states
Investor resources
Guarantees & securityCrowdlending modelComparison vs depositsComparison vs REITsPlatform comparisonAll investments involve risks, including loss of invested capital, lack of liquidity, and non-reimbursement on loans, partially or integrally. It is an appropriate investment only for investors able to assess and bear the risks presented above. Before investing, please read the risks of investments warning, and also all the clauses of the loan agreement, which will be provided to you for the campaign in question. Stock.estate Platform is not responsible for the information provided by the project developers, even if it is provided by or through Stock.estate. Stock.estate does not provide you any other advisory services. The decision to invest is entirely yours. We recommend that you consult specialized advisers if you need support in evaluating your investment decision. The messages and documentation you receive from Stock.estate or project developers have not been verified or approved by Romanian or European authorities.