Trust that compounds!
Guarantees for your real estate investments
Investments secured by a first-rank mortgage.
Invest in vetted real estate projects starting from €100.
Earn net annual returns of 10% to 16%.
Your funds are protected in segregated BCR (Erste Group) accounts.
Standard security package
150%
For projects listed since the second half of 2025, the standard collateral package is a registered mortgage in favor of investors, commonly targeted at 150% of the loan amount.
Loan amount
100%
Target collateral value
150%
€ 16.2MInvested amount
€ 7.5MReimbursed amount
13.76%Return
1Number of defaults
Licensed to operate in every EU country
ASF licence PJR28FSFPR/400002 with an active ESMA record. Open to investors worldwide.
- ESMAActive EU register
- ASFHome authority · Romania
- CNMVSpain · EU passport
- AMFFrance · EU passport
- CONSOBItaly · EU passport
- FinantsinspektsioonEstonia · EU passport
- FSMABelgium · EU passport
- AFMNetherlands · EU passport
- FinanstilsynetDenmark · EU passport
- FinansinspektionenSweden · EU passport
- Bank of LithuaniaLithuania · EU passport
- CMVMPortugal · EU passport
- HANFACroatia · EU passport
- CNBCzechia · EU passport
- MNBHungary · EU passport
- NBSSlovakia · EU passport
What can back a campaign
Each opportunity shows its security structure in the campaign documents. The label on the project page tells you which structure applies, before you invest.
Real estate mortgage
Most commonThe loan is covered by a mortgage on a property (the property is sold in case of default)
Letter of guarantee
The loan is covered by a third party (bank)
Shares pledge
The loan is covered by shares in the developer's company
Suretyship
The loan is covered by the developer as individual (personally liable)
Corporate guarantee
The loan is covered by another company owned by the developer
Direct liability
The loan is covered by the developer as a legal entity (company)
Why mortgage is our preferred structure
For projects listed since the second half of 2025, stock.estate uses a mortgage-first security model: a real estate mortgage registered in favor of investors, administered through a dedicated collateral agent within the stock.estate group.
The mortgage is registered in favor of investors and should be visible in the campaign documentation.
The target collateral value is commonly 150% of the loan amount, creating a buffer to cover enforcement costs.
Secured campaigns should be marked with a green Mortgage label on the project page so you can compare structures quickly.
Collateral agent, not platform custody
When a project is secured, a collateral agent administers the guarantee package on behalf of investors. If payments slip, that entity can initiate the contractual recovery path, including mortgage enforcement where applicable.
What we do before a project goes live
Guarantees reduce risk; they do not remove it. We analyze the project, the borrowing company, the business plan, and the proposed collateral before opening a campaign.
Borrower and project review
We assess the developer, the financing need, the repayment logic, and whether the proposed security package is credible for the ticket size.
Documented security package
Mortgages, bank letters of guarantee, share pledges, suretyships, and corporate guarantees are described in the campaign documents - not only in marketing copy.
BCR payment flow before disbursement
Before disbursement to the developer, investor money moves through the designated BCR payment infrastructure and is kept separate from stock.estate operating funds.
Direct contractual rights
Your claim is governed by the loan contract signed with the developer and stock.estate Group in its platform and guarantee-agent role. The binding terms are in the campaign documents, not in this educational summary.
Where to verify the guarantees
Use this page as a guide, then check the documents for the specific campaign. The campaign page and loan documents define the binding terms for each investment.
Security label
Look for the campaign security label, such as the green Mortgage label on secured projects.
KIIS or fact sheet
Read the Key Investment Information Sheet or fact sheet for the borrower, project, risks, and main terms.
Loan agreement
Check the repayment schedule, interest terms, late-payment mechanics, and investor rights.
Guarantee documents
Review mortgage, pledge, suretyship, bank guarantee, or corporate guarantee documents when they apply.
Repayment schedule
Confirm whether interest is monthly, whether principal is bullet or amortized, and when payments are due.
When a borrower does not pay on time
Protection means there is a defined path - not that every loan repays on schedule. Delays can happen; enforcement can take time and may be contested.
Payment monitoring
Repayments follow the schedule in the loan agreement. If a due date is missed, the contractual late-payment rules apply.
Late interest and contractual penalties
After the grace period defined in the contract, penal interest and other contractual charges can apply. Investors do not need to send separate formalities for standard late-interest mechanics.
Collateral agent recovery
On secured projects, the collateral agent can initiate recovery, including mortgage enforcement and collateral liquidation if necessary.
Enforceable title under Romanian crowdfunding law
The FAQ explains that lending contracts have enforceable-title status under Romanian crowdfunding law. This supports a more direct recovery route, but enforcement can still take time and can be contested.
Want the full repayment and default timeline?
Our crowdlending page walks through monthly interest, principal at maturity, penal interest, and the recovery steps in plain language.
What guarantees do not mean
We would rather be precise than reassuring. These investments are not bank deposits and collateral does not make loss impossible.
Crowdfunding investments are not covered by deposit-guarantee or investor-compensation schemes.
Recovery can take months or years, especially if collateral must be sold or disputes arise.
Always read the campaign documents for the specific guarantee type, valuation assumptions, and repayment schedule before investing.
Investor advantages
Trust that compounds!
Mortgage-Secured Investments
Every listed opportunity offers at least 150% real estate collateral, registered as a mortgage in favour of investors and the amounts financed.
The documents are notarised and published in every active campaign.
Secured Funds
Your investment is protected by a single enforceable contract, as the regulation requires.
Funds are segregated: stock.estate does not hold or manage them; they are administered independently by BCR (Erste Group). Your money is safe at every step.
EU-Regulated Transparency
Every campaign includes the project’s financial data and the developer’s legal documents.
stock.estate is authorised and supervised by the ASF under the European ECSP regulation (ESMA).
How your investment works
Three steps, from opening an account to monthly interest.
Register
Create a free account on stock.estate and complete a quick identity check. It only takes a few minutes.
Invest
Choose a campaign and invest alongside other investors. We offer full transparency and net returns of 10% to 16% a year.
Earn
Receive interest and principal on the signed schedule. Reinvest or withdraw them; withdrawals of €100 or more are free.
Real estate investments with net annual returns of 10% to 16%
Starting at €100.
Over 110 projects funded and €16.2 million invested by stock.estate clients. Funded projects have already repaid over €7.5 million to clients in principal and fixed monthly interest.
