A practical comparison for investors who want real estate exposure without buying property directly. stock.estate gives fixed-rate, deal-by-deal lending exposure, while REITs and property funds give pooled market exposure.
Target returns up to 20% per year paid monthly on many campaigns
Choose individual projects instead of buying a blind pool
Secured by registered mortgages not marked to market daily
Rendimento previsto in 12 mesi:
-
commissioni e tasse =
(14.0%)
At a glance
All three can give real estate exposure, but the mechanics are very different: private fixed-rate loans, listed shares, or pooled fund units.
| Criteria | stock.estate Real estate crowdlending | REITs (listed) | Property funds |
|---|---|---|---|
| Return profile | Up to 20% / year | Dividend yield + share price | Pooled fund return |
| Exposure type | Fixed-rate loan | Listed equity share | Fund units |
| Collateral or backing | Mortgage target 150% | Property portfolio equity | Pooled portfolio |
| Project choice | Deal by deal | Pooled portfolio | Pooled portfolio |
| Price volatility | Not listed daily | Daily market price | NAV changes |
| Income timing | Monthly interest | Periodic dividends | Distributions |
| Minimum to start | From EUR 100 | One share price | Fund minimum |
| Liquidity | Term-based | High | Varies by fund |
Portfolio fit
REITs and funds are easier for broad market exposure. Crowdlending is more direct: you choose the borrower, project, rate, maturity, and security package.
Use REITs for liquidity
Listed REITs can be bought and sold quickly, but prices move with public markets.
Use funds for pooled exposure
Property funds can diversify across assets, but the manager chooses the portfolio.
Use crowdlending selectively
Consider it when you want fixed-rate project loans and can hold for the campaign term.
What investors ask before choosing crowdlending over REITs or property funds.
With stock.estate you lend to a specific real estate project. With a REIT, you buy listed shares in a company that owns or operates a portfolio.
stock.estate campaigns can target up to 20% per year. REIT returns depend on dividends and share-price movement. Property fund returns depend on the pooled portfolio.
It is different. Crowdlending depends on the borrower and campaign security. Most campaigns have a first-grade mortgage, but enforcement can still be delayed and we may not recover the full amount.
Yes, but manually. You choose separate campaigns instead of buying one pooled fund. That gives control, but it also means you need to diversify deliberately.
stock.estate campaigns can start from EUR 100. REITs usually start at one share price, while property funds may set their own minimum subscription.
Start with the KIIS document, the most important document for each campaign. Then read the campaign page, loan agreement, risk warnings, collateral documents where available, fees, tax notes, and repayment schedule.
Next step
If you want pooled market exposure, REITs or funds may fit. If you want to select individual secured loans with fixed-rate interest, compare the live campaigns.
STOCKESTATE CROWDFUNDING SRL è autorizzata con il numero PJR28FSFPR/400002, dal 29.08.2023. Trovateci nel registro dei fornitori di servizi di crowdfunding della Commissione Nazionale per le Società e la Borsa (CONSOB).
Risorse per investitori
Garanzie e sicurezzaModello di crowdlendingConfronto vs depositiConfronto vs REITComparison vs othersTutti gli investimenti comportano rischi, inclusa la perdita del capitale investito, la mancanza di liquidità e il mancato rimborso dei prestiti, parzialmente o integralmente. Si tratta di un investimento appropriato solo per investitori in grado di valutare e sopportare i rischi sopra presentati. Prima di investire, si prega di leggere l'avviso sui rischi degli investimenti e tutte le clausole del contratto di prestito, che vi verranno fornite per la campagna in questione. La Piattaforma Stock.estate non è responsabile delle informazioni fornite dagli sviluppatori del progetto, anche se fornite da o tramite Stock.estate. Stock.estate non vi fornisce alcun altro servizio di consulenza. La decisione di investire è interamente vostra. Raccomandiamo di consultare consulenti specializzati se avete bisogno di supporto nella valutazione della vostra decisione di investimento. I messaggi e la documentazione che ricevete da Stock.estate o dagli sviluppatori del progetto non sono stati verificati o approvati dalle autorità rumene o europee.