Fees, returns and withholding tax

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

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.

Go to campaign
€

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

Value

0

Notes

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

Fee itemApplies toValueNotes
Investor platform fee on Progressive Interest campaigns

Investors

0

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

0 fee

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

Value

Campaign-specific

Notes

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.

Fee itemApplies toValueNotes
Contracted administration fee or interest commission

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.

Charged

Investor charges across both models

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

Account opening fee

0 fee
Investors

Value

0

Notes

Not charged by stock.estate.

Account administration fee

0 fee
Investors

Value

0

Notes

Not charged by stock.estate.

Deposit fee (bank transfer)

0 fee
Investors

Value

0

Notes

Not charged by stock.estate.

Withdrawal fee

Charged
Investors

Value

Shown before confirmation

Notes

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

Value

0

Notes

Not charged by stock.estate.

Early exit fee

0 fee
Investors

Value

0

Notes

Not charged by stock.estate.

Secondary market buy fee

Charged
Investors

Value

1%

Notes

Charged to buyers when a secondary-market purchase settles.

Secondary market sell / claim transfer fee

Charged
Investors

Value

1%

Notes

Charged to sellers when a secondary-market listing is executed.

Fee itemApplies toValueNotes
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

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.

Charged
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 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 a one-time 4% initial fee; the project agreement may specify different terms.

Developer annual interest

Charged
DevelopersDeveloper only

Value

16% / year (standard)

Notes

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 initial fee

Charged
DevelopersDeveloper only

Value

4% one-time (standard)

Notes

Under standard terms, 4% is withheld once from the funded amount when the raise succeeds, without a repeat charge after 12 months. The project agreement determines the applicable fee.

Developer monthly administration fee

0 fee
DevelopersDeveloper only

Value

0

Notes

No monthly administration fee applies to Progressive Interest campaigns.

Fee itemApplies toValueNotes
Developer annual interest

Developers

Developer 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.

Charged
Developer initial fee

Developers

Developer only
4% one-time (standard)

Under standard terms, 4% is withheld once from the funded amount when the raise succeeds, without a repeat charge after 12 months. The project agreement determines the applicable fee.

Charged
Developer monthly administration fee

Developers

Developer only
0

No monthly administration fee applies to Progressive Interest campaigns.

0 fee

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

Value

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

Charged
DevelopersDeveloper only

Value

0.2% / month

Notes

Applied monthly on the outstanding principal left to be paid by the developer.

Fee itemApplies toValueNotes
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

Developer charges across both models

These items are separate from campaign-specific pricing.

Project upload / listing fee

0 fee
Developers

Value

0

Notes

Not charged by stock.estate.

Campaign promotion / advertising fee

0 fee
Developers

Value

0

Notes

Not charged by stock.estate.

Contract amendment / prolongation fee

0 fee
Developers

Value

0

Notes

Not charged by stock.estate.

Collateral / mortgage administration fee

0 fee
Developers

Value

0

Notes

Not charged by stock.estate.

Debt administration / recovery / asset realization fee

0 fee
Developers

Value

0

Notes

Not charged by stock.estate.

Fee itemApplies toValueNotes
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

Questions about fees and returns

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All 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.