How stock.estate Works

stock.estate is a real estate crowd-lending platform. Investors do not buy shares in the platform and they do not buy apartments directly. Instead, each investment is structured through a loan contract signed by the investor, the project developer, and stock.estate Group in its platform and guarantee-agent role. The investor's receivable remains against the developer, which repays principal and interest according to the repayment schedule shown in the campaign documents.

1. Create your account and complete verification

Before investing, complete verified email, profile and identity checks, investor classification and the applicable appropriateness and loss-simulation steps. You can review public campaigns before completing onboarding. Identity information extracted from documents must be checked and can be corrected during profile confirmation.

2. Review the campaign before committing capital

Each campaign presents the target amount, expected return, term, repayment mechanics, and project documents. stock.estate states that its team performs due diligence on the developer, the business plan, the company's solidity, the market potential, and the real estate opportunity itself.

The platform also describes the factors it reviews before publishing a project:

• liquidity of the asset
• vacancy and tenanting potential
• expected price growth in the area
• financial solidity of the company
• feasibility of the business plan
• developer track record
• team expertise

That does not remove risk, but it helps investors compare projects using a consistent set of criteria.

3. Choose your amount and place the investment order

After opening a campaign, you choose the amount you want to invest and submit an investment order. According to the FAQ, the minimum investment starts from EUR 100, although some campaigns may set a higher minimum.

Diversify and assess how much you can afford to lose. The onboarding loss simulation uses net worth, not net income or only the amount you intend to invest. That simulation, investor classification and any additional risk acknowledgement for an individual investment are separate steps; none guarantees that an investment is suitable or safe.

4. Transfer funds through the payment institution

Use the deposit methods shown in your account; availability, limits and charges depend on the method and provider. Bank-transfer instructions use the designated BCR payment flow. Investor funds remain separate from the platform’s operating funds. A deposit and a completed investment are different steps.

Investor money stays in the designated payment flow until the fundraising outcome is known:

• if the campaign reaches its target and documentation is completed, the financing proceeds according to the loan agreement
• if the campaign does not reach the required amount, funds are returned

If a campaign fails to reach the required funding amount, the investment funds are returned to the wallet. A refund does not create an automatic entitlement to a 2% bonus; any incentive depends on the applicable offer terms.

5. Use the 4-day reflection period if you change your mind

stock.estate gives investors a reflection period of four calendar days from submitting the investment order. During that period, the expression of interest can be revoked without penalty and without having to justify the decision.

This is an important distinction from secondary-market liquidity. The reflection period is an early cancellation window, not a permanent right to exit any time you want.

6. Earn interest in EUR according to the repayment schedule

Once the loan has been granted, the developer repays interest and principal according to the repayment schedule attached to the loan agreement. The FAQ states that returns are denominated in EUR and that campaign-level gross annual returns are generally presented in the 10% to 20% range.

On a progressive-interest campaign, the annual Contract Rate depends on the signed investment amount, the investor's active-principal tier and any early-bird boost available at signing. The tier raises the starting rate and proportionally rescales the amount bands into the remaining Interest Pool; it is not added on top of the full standard band. The maximum remains the campaign Floor Rate plus its Interest Pool. The rate is fixed when the investment is signed: later tier changes or campaign edits do not reprice that contract. Progressive campaigns have no investor-facing platform fee; the remaining Pool Fee is paid by the developer. Existing fixed campaigns retain their signed rate and fee terms.

Tiers are automatic: Standard below EUR 25,000 of active principal, Bronze from EUR 25,000, Silver from EUR 50,000 and Gold from EUR 100,000. Bronze, Silver and Gold raise the progressive starting rate by up to 3, 4 and 5 percentage points respectively, within the campaign pool. Active principal is successful invested principal, including invested bonuses, less principal actually repaid; wallet balances, pending investments and repaid principal do not count. A newly successful investment can unlock a tier for its own rate. Repayments can lower the tier for future investments without changing signed rates.

Interest starts the day after fundraising ends and is calculated on a 360-day-year basis. The campaign schedule determines whether payments are monthly, include principal amortisation, are biannual or fall at maturity. For amortising loans, interest follows outstanding principal. Funding the wallet or creating a pending investment does not start interest or reserve campaign capacity or a rate.

Withholding tax is deducted from taxable interest before payment. For campaigns using the treaty schedule, the estimate depends on the project's country, the investor's residence country, whether the investor is an individual or a company, and the active country schedule. Existing campaigns retain their legacy withholding policy. A tax residency certificate can be requested for review, but its absence does not block investing and uploading it does not automatically change every investment's tax. The rate applied to a repayment is recorded when its transfer is generated; a current calculator estimate can differ from a previously generated payment.

The investor experience is intentionally passive:

• the investor selects the campaign and amount
• the loan contract governs repayment
• interest is credited to the digital wallet according to schedule
• principal is repaid over time or at maturity, depending on the structure

The live public statistics endpoints currently report EUR 810k in interest paid and EUR 4.5M in principal paid.

7. Track your portfolio and reinvest if you choose

Investors can follow their investments through the platform dashboard. stock.estate also highlights cashback and referral balances separately, so users can see what is already available to reinvest.

A separate incentive on eligible campaigns or offers, credited under the applicable funding and reward rules. Cashback is a non-withdrawable balance for reinvestment, not an increase in the annual contractual interest rate. A progressive early-bird boost instead affects the annual rate fixed at signing, within the campaign ceiling.

Investment Credit is an offer-specific, non-withdrawable balance for eligible reinvestment. Earned credit becomes usable after campaign funding and issuance, not immediately at signing. Participation and issued-credit expiry have separate 30-day windows; use also requires qualifying external cash. Check the offer for eligibility, expiry and reward overlap: credit, cashback and referral rewards do not necessarily stack in full.

Flexibility on the platform mostly means investment choice, not instant liquidity. Investors choose their own campaigns, risk level, and amount, but they should not treat the investment like a bank deposit with on-demand withdrawals.

What investors should keep in mind

stock.estate's own FAQ is clear on several points:

• all investments carry risk
• crowdfunding is not a savings product
• returns depend on the specific campaign and the developer's performance
• liquidity is limited compared with cash deposits
• project documents and the loan contract should be reviewed before investing

In short, the platform is designed for investors who want exposure to vetted real estate loans in EUR through a digital flow, while understanding that repayment still depends on real-world project execution.