# stock.estate

stock.estate is a European real estate crowd-lending platform that connects investors with vetted real estate developers through EUR-denominated loan contracts signed by the investor, the project developer, and stock.estate Group in its platform and guarantee-agent role. The public site references STOCKESTATE CROWDFUNDING S.R.L., ASF licence `PJR28FSFPR/400002`, and ESMA registration.

## Platform summary

Investors use stock.estate to review campaign pages, complete KYC and AML verification, place investment orders, transfer funds through BCR-linked payment flows, and receive interest plus principal according to the repayment schedule in the loan agreement. The platform positions itself as a digital, accessible route into real estate-backed lending rather than direct property ownership.

## Public MCP

stock.estate provides a read-only public MCP server for AI agents that need factual campaign data, campaign details and document links, platform statistics, public FAQ/education snippets, and official source links.

- Server URL: `https://mcp.stock.estate/mcp`
- Codex: `codex mcp add stockestate --url https://mcp.stock.estate/mcp`
- VS Code MCP config: `{"name":"stockestate","type":"http","url":"https://mcp.stock.estate/mcp"}`
- Cursor MCP config: `{"mcpServers":{"stockestate":{"url":"https://mcp.stock.estate/mcp"}}}`
- Claude Code: `claude mcp add --transport http stockestate https://mcp.stock.estate/mcp`

Agents should use this MCP for stock.estate-specific factual lookups and should not treat MCP output as investment advice or as a personal suitability recommendation.

## How it works

- create an account
- complete KYC and AML verification
- review the campaign documents and terms
- choose an amount, starting from EUR 100 on some campaigns
- place the investment order
- use the 4-day reflection period if needed
- receive repayments in EUR according to the loan contract

## Investor protection

The site describes several protection layers:

- regulated crowdfunding status under ASF with ESMA registry reference
- separation of investor funds from platform funds
- loan contracts signed by the investor, the developer, and stock.estate Group, while still creating a direct receivable against the developer
- campaign-level collateral such as mortgages, guarantee letters, or pledged shares
- a collateral agent structure for secured projects

The site also makes clear that crowdfunding investments are not covered by deposit-guarantee or investor-compensation schemes.

## FAQ themes

The public FAQ is split into 5 sections and covers:

- platform basics and investor eligibility
- how crowd-lending works in practice
- legal structure and KYC obligations
- progressive and fixed campaign fee models, the withdrawal fee, and withholding tax
- capital risk, recovery, liquidity, and platform-failure continuity

Current product guidance (including source-backed release corrections to the historical FAQ scan):

- campaign-level returns are commonly presented in the 10% to 20% EUR range
- there is a 4-day reflection period after placing an investment order
- 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.
- the developer-side Pool Fee is the unused part of the Interest Pool after the investor's Rate Band and Early-Bird Rate Boost; it is not deducted from the investor's Contract Rate
- existing fixed campaigns keep their contracted fee terms, which may include the legacy 0.2% monthly management fee
- the standard borrower offer is 16% annual interest plus a one-time 4% initial fee, with no monthly administration fee
- Any withdrawal fee and its threshold depend on the active platform configuration. Check the request preview for the gross amount, applicable fee and net bank transfer before confirming; source code or an example fee is not proof that the fee is active.
- If a withdrawal fee applies, it is deducted from the requested amount rather than added to it and charged only on settlement. Cancelling a pending request does not charge the fee. Check the withdrawal flow for the current minimum amount.
- Bank-transfer deposits carry no platform fee; banks may apply transfer or FX charges. Other payment methods, availability, limits and charges depend on the methods shown in the funding flow.
- 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.
- Security is campaign-specific. Read the campaign documents for the type of collateral, its value, ranking and enforcement jurisdiction. A mortgage, a pledge of company shares and a personal guarantee give different rights: a share pledge is not a direct mortgage over the company's property. Neither a 150% valuation nor any other coverage ratio guarantees full recovery; sale proceeds, prior claims, costs and the guarantor's solvency affect the outcome.

## Investment timing and rewards

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.

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.

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.

## Statistics

The live public statistics endpoints currently report:

- unavailable investors
- unavailable funded campaigns
- unavailable average return
- unavailable invested
- unavailable interest paid
- unavailable principal paid
- unavailable late
- unavailable default

The same public data source also reports the current loans-status mix:

- unavailable in-progress loans
- unavailable completed loans
- unavailable financing loans
- unavailable loans in recovery
- unavailable in grace period
- unavailable defaulted

## Comparison pages

### Savings accounts

The comparison with savings accounts explains that savings accounts are structurally better for liquidity and capital parking, while stock.estate is better understood as an investment product for people who can lock money into project terms and accept credit and execution risk in exchange for higher yield potential.

### Bonds

The comparison with bonds explains that bonds usually win on liquidity, benchmark visibility, and market infrastructure, while stock.estate offers campaign-level transparency, real-estate collateral visibility, and potentially higher gross deal-level yields.

### Deposits and bonds

The comparison with deposits and bonds explains how real estate crowdfunding differs from bank deposits and bond exposure across liquidity, risk, expected returns, collateral visibility, platform workflow, and investor suitability.

### REITs

The comparison with REITs explains how real estate crowdfunding differs from listed real estate securities across market liquidity, volatility, diversification, asset transparency, income profile, and direct project exposure.

### European platforms

The platform comparison page helps investors evaluate real estate crowdfunding platforms in Europe using criteria such as regulation, track record, transparency, risk controls, fees, investor protections, and campaign due diligence.

## Key pages

- [Homepage](https://stock.estate/)
- [About](https://stock.estate/about)
- [How stock.estate Works](https://stock.estate/how-it-works)
- [Investor Protection](https://stock.estate/investor-protection)
- [Statistics](https://stock.estate/statistics)
- [FAQ - General](https://stock.estate/faq/general)
- [FAQ - Crowdlending](https://stock.estate/faq/crowdLending)
- [FAQ - Legal](https://stock.estate/faq/legal)
- [FAQ - Fees](https://stock.estate/faq/fees)
- [FAQ - Risks](https://stock.estate/faq/risks)
- [Glossary](https://stock.estate/glossary)
- [Real Estate Crowd-Lending vs Savings Accounts](https://stock.estate/compare/real-estate-vs-savings-account)
- [Real Estate Crowd-Lending vs Bonds](https://stock.estate/compare/real-estate-vs-bonds)
- [Real Estate Crowdfunding vs Deposits and Bonds](https://stock.estate/compare/real-estate-crowdfunding-vs-deposits-bonds)
- [Real Estate Crowdfunding vs REITs](https://stock.estate/compare/real-estate-crowdfunding-vs-reits)
- [Best Real Estate Crowdfunding Platform Europe](https://stock.estate/best-real-estate-crowdfunding-platform-europe)

Statistics are temporarily unavailable. See https://stock.estate/statistics for the current published figures.