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 between investors and the project developer. The developer repays principal and interest according to the repayment schedule shown in the campaign documents.

1. Create your account and complete verification

The process starts with a standard account registration. Before you can invest, Stock.estate requires identity verification under Know Your Customer (KYC) and Anti-Money Laundering (AML) rules. The FAQ makes this explicit: verification is mandatory before investing, and investors may be asked to prove the origin of their funds.

You will also be classified as a sophisticated or non-sophisticated investor. That assessment is meant to check whether you understand the risks and whether the level of exposure is appropriate for your financial situation.

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 250, although some campaigns may set a higher minimum.

Stock.estate also reminds investors not to overconcentrate. For non-sophisticated investors, the platform points to the general crowdfunding rule of caution around exposures above 10% of net income, savings, or money allocated to investments.

4. Transfer funds through the payment institution

Funds are transferred using Banca Comerciala Romana (BCR), the payment institution referenced throughout the FAQ. Stock.estate states that the platform itself does not take possession of investor money in the ordinary sense of holding it as its own operating funds.

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

The crowd-lending FAQ also says unsuccessful campaigns return the money to the investor wallet and may include a 2% cashback bonus as a goodwill measure.

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.

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 503k in interest paid and EUR 1.8M 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.

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.

Internal linking targets

• /faq/general
• /faq/crowdLending
• /statistics
• /fees
• /investment-risks