Fees, returns and withholding tax

Understand how your campaign determines your interest, fees and take-home earnings. Existing investments keep their contracted terms.

Calculate a campaign return Detailed fee matrix

Which model applies to your campaign?

September 2026 marks the introduction of the new model. Check the terms shown on each campaign and in your investment contract.

Campaigns launched from September 2026

Progressive interest

Your investment amount determines your annual interest rate. Eligible early-bird and investor-level benefits can increase it, up to the campaign’s maximum. Your rate is fixed in your investment contract; it does not rise automatically over time.
No investor platform fee is deducted from your contractual interest. stock.estate is paid through developer-side fees, including any Pool Fee retained from the developer’s interest budget.
Benefits are included in your contractual rate. There is no separate cashback payment.

Contract interest − withholding tax = net interest

Earlier campaigns

Fixed interest and eligible cashback

Your campaign’s contracted interest rate applies. The agreed administration fee or interest commission is deducted before withholding tax is calculated.
The fee scheme and rate depend on the campaign. Some use a monthly administration fee on invested capital; others charge a percentage of interest. Check your contract for the applicable terms.
Where offered, cashback is a separate benefit based on the campaign’s amount and timing conditions. It does not change the contractual interest rate and follows its own payment schedule.

Interest − platform fee − withholding tax + eligible cashback = net earnings

The new model does not replace the interest, fee or cashback terms of existing investments. Repayment dates and amounts follow your contract and repayment schedule.

These formulas show earnings only. Repayment of your invested capital is separate.

Withholding tax is separate from platform fees

The applicable tax is withheld from interest before payment. A campaign with no investor platform fee can still have withholding tax.

New campaign rules

The rate depends on the project’s country, your tax residence and whether you invest as an individual or a company. Different campaigns can therefore have different rates for the same investor. The calculator uses the selected campaign’s applicable rules.

Earlier campaign rules

Legacy campaigns retain their existing withholding policy, including any approved account-specific rate. The new campaign-country calculation is not applied retroactively to them.

Keep your tax residence up to date

Keep your individual or company address accurate and provide a tax residency certificate when requested. For new campaigns, the estimate uses your declared residence; uploading a certificate does not by itself change the displayed rate or block an investment while it is reviewed.

Calculate a campaign return

Choose an active campaign and an amount. Its interest model and withholding rules determine the estimate below.

CampaignGo to campaign

Investment amount

€

Tax residence

Select your country of tax residence to calculate withholding tax.

Progressive interest

Contract interest − withholding tax = net interest

Tax: project country, tax residence and investor type

These formulas show earnings only. Repayment of your invested capital is separate.

Does not apply to late reimbursements or investments in recovery.

Investor fees

Progressive Interest campaigns

No platform fee is deducted from the investor’s contractual interest. Withholding tax is separate.

Investor platform fee on Progressive Interest campaigns
0 fee
Investors
0
No platform fee is deducted from investor interest on Progressive Interest campaigns.

Progressive Interest campaigns
Fee item	Applies to	Value	Notes
Investor platform fee on Progressive Interest campaigns	Investors	00 fee	No platform fee is deducted from investor interest on Progressive Interest campaigns.

Legacy fixed-return campaigns

These fees apply only to campaigns that use the earlier fixed-return model.

Contracted administration fee or interest commission
Charged
Investors
Campaign-specific
The contract determines which scheme applies: a monthly fee on invested capital (0.2% where specified), or a percentage of interest. The fee is deducted before withholding tax; these are alternative schemes, not cumulative charges.

Legacy fixed-return campaigns
Fee item	Applies to	Value	Notes
Contracted administration fee or interest commission	Investors	Campaign-specificCharged	The contract determines which scheme applies: a monthly fee on invested capital (0.2% where specified), or a percentage of interest. The fee is deducted before withholding tax; these are alternative schemes, not cumulative charges.

Investor charges across both models

These charges are independent of the campaign's interest model.

Account opening fee
0 fee
Investors
0
Not charged by stock.estate.

Account administration fee
0 fee
Investors
0
Not charged by stock.estate.
Deposit fee (bank transfer)
0 fee
Investors
0
Not charged by stock.estate.
Withdrawal fee
Charged
Investors
Shown before confirmation
Before you confirm, the withdrawal quote shows the minimum withdrawal, the gross amount requested, any applicable fee and the net amount paid to your bank. Any fee is deducted from the requested amount, not added on top. A confirmed request retains its quoted fee, which is charged only when the withdrawal is paid out. Cancelling a pending request costs nothing.
Investment execution fee
0 fee
Investors
0
Not charged by stock.estate.
Early exit fee
0 fee
Investors
0
Not charged by stock.estate.
Secondary market buy fee
Charged
Investors
1%
Charged to buyers when a secondary-market purchase settles.
Secondary market sell / claim transfer fee
Charged
Investors
1%
Charged to sellers when a secondary-market listing is executed.

Investor charges across both models
Fee item	Applies to	Value	Notes
Account opening fee	Investors	00 fee	Not charged by stock.estate.
Account administration fee	Investors	00 fee	Not charged by stock.estate.
Deposit fee (bank transfer)	Investors	00 fee	Not charged by stock.estate.
Withdrawal fee	Investors	Shown before confirmationCharged	Before you confirm, the withdrawal quote shows the minimum withdrawal, the gross amount requested, any applicable fee and the net amount paid to your bank. Any fee is deducted from the requested amount, not added on top. A confirmed request retains its quoted fee, which is charged only when the withdrawal is paid out. Cancelling a pending request costs nothing.
Investment execution fee	Investors	00 fee	Not charged by stock.estate.
Early exit fee	Investors	00 fee	Not charged by stock.estate.
Secondary market buy fee	Investors	1%Charged	Charged to buyers when a secondary-market purchase settles.
Secondary market sell / claim transfer fee	Investors	1%Charged	Charged to sellers when a secondary-market listing is executed.

Developer costs

These costs are paid by the developer. They are not additional deductions from an investor’s contractual interest on progressive campaigns. The project agreement determines the applicable terms.

Progressive Interest campaigns

Investors pay no stock.estate platform fee on Progressive Interest campaigns. Standard developer terms are 16% annual interest plus 4% per year of financing; the project agreement may specify different terms.

Developer annual interest
Charged
DevelopersDeveloper only
16% / year (standard)
Calculated on principal. Under standard terms, the 16% annual developer cost covers investor Contract Rates and any developer-funded Pool Fee. The project agreement determines the applicable rate.
Developer financing fee
Charged
DevelopersDeveloper only
4% / year of financing (standard)
Under standard terms, 4% is withheld from the funded amount when the raise succeeds and covers terms of up to 12 months, including shorter ones. Beyond 12 months, a further 4% a year applies pro rata, paid monthly with the interest and only up to the repayment date. The project agreement determines the applicable fee.
Developer monthly administration fee
0 fee
DevelopersDeveloper only
0
No monthly administration fee applies to Progressive Interest campaigns. On terms beyond 12 months, the developer financing fee is collected monthly with the interest.

Progressive Interest campaigns
Fee item	Applies to	Value	Notes
Developer annual interest	DevelopersDeveloper only	16% / year (standard)Charged	Calculated on principal. Under standard terms, the 16% annual developer cost covers investor Contract Rates and any developer-funded Pool Fee. The project agreement determines the applicable rate.
Developer financing fee	DevelopersDeveloper only	4% / year of financing (standard)Charged	Under standard terms, 4% is withheld from the funded amount when the raise succeeds and covers terms of up to 12 months, including shorter ones. Beyond 12 months, a further 4% a year applies pro rata, paid monthly with the interest and only up to the repayment date. The project agreement determines the applicable fee.
Developer monthly administration fee	DevelopersDeveloper only	00 fee	No monthly administration fee applies to Progressive Interest campaigns. On terms beyond 12 months, the developer financing fee is collected monthly with the interest.

Legacy fixed-return campaigns

These fees apply only to campaigns that use the earlier fixed-return model.

Fundraising success fee (minimum target reached)
Charged
DevelopersDeveloper 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.
Monthly administration fee on outstanding principal
Charged
DevelopersDeveloper only
0.2% / month
Applied monthly on the outstanding principal left to be paid by the developer.

Legacy fixed-return campaigns
Fee item	Applies to	Value	Notes
Fundraising success fee (minimum target reached)	DevelopersDeveloper only	2% / 6 months; 4% / yearCharged	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	DevelopersDeveloper only	0.2% / monthCharged	Applied monthly on the outstanding principal left to be paid by the developer.

Developer charges across both models

These items are separate from campaign-specific pricing.

Project upload / listing fee
0 fee
Developers
0
Not charged by stock.estate.
Campaign promotion / advertising fee
0 fee
Developers
0
Not charged by stock.estate.
Contract amendment / prolongation fee
0 fee
Developers
0
Not charged by stock.estate.
Collateral / mortgage administration fee
0 fee
Developers
0
Not charged by stock.estate.
Debt administration / recovery / asset realization fee
0 fee
Developers
0
Not charged by stock.estate.

Developer charges across both models
Fee item	Applies to	Notes
Project upload / listing fee	Developers	Not charged by stock.estate.
Campaign promotion / advertising fee	Developers	Not charged by stock.estate.
Contract amendment / prolongation fee	Developers	Not charged by stock.estate.
Collateral / mortgage administration fee	Developers	Not charged by stock.estate.
Debt administration / recovery / asset realization fee	Developers	Not charged by stock.estate.

Questions about fees and returns

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.

Start Investing Comparison vs deposits

Fees, returns and withholding tax

Which model applies to your campaign?

Progressive interest

Fixed interest and eligible cashback

Withholding tax is separate from platform fees

New campaign rules

Earlier campaign rules

Keep your tax residence up to date

Calculate a campaign return

Investor fees

Progressive Interest campaigns

Legacy fixed-return campaigns

Investor charges across both models

Developer costs

Progressive Interest campaigns

Legacy fixed-return campaigns

Developer charges across both models

Questions about fees and returns

Does progressive interest increase during the loan?

What replaces cashback on new campaigns?

Why can my withholding tax differ between campaigns?

Starting at €100.