Estateguru P2P lending Blog
  • Investing
  • Borrowing
  • Portfolio overviews
  • Case studies
  • Press
  • Company news
  • Office life
  • To estateguru.co
No Result
View All Result
  • lv Latviešu
  • lt Lietuvių
  • fi Suomi
  • et Eesti
  • en English
  • de Deutsch
Create account
Estateguru P2P lending Blog
  • Investing
  • Borrowing
  • Portfolio overviews
  • Case studies
  • Press
  • Company news
  • Office life
Estateguru P2P lending Blog
Home Portfolio overviews

Loan portfolio overview (December of 2021)

18-01-2022
in Portfolio overviews
Reading Time: 2 mins read
0 0

2021 ended strongly on EstateGuru’s platform, with our investors financing €18,6M worth of loans in December.

The total funded amount for the year was €202,8M. In December, Estonia, Lithuania and Germany all contributed over €4,0M in funded loans. There was a total of €75,1M in loans funded in Germany over the course of the year, and the outstanding portfolio in that market is now the largest, at €65,6M.

Repayments continued at a stable pace in December and amounted to €11,8M (a total of 73 loans with average returns of 10,4%). Despite the ongoing coronavirus pandemic and the attendant uncertainty, the real estate markets in all of our operating countries are performing well, which affects the loan repayments positively.

During the last month we fully recovered two loans in Estonia (€0,2M). We introduced a new loan status for our investors (partially recovered), which will apply to defaulted loans where some of the principal has already been recovered (e.g. part of the collateral sold). This will allow us to represent investors’ outstanding loan portfolios more transparently and fairly. When we separate partially recovered loans from defaulted ones, we can show our investors loans where our debt collection has already been successful, and investors can soon expect full recovery.

The default rate is at 7%. Despite the holiday period our debt collection team and partners have been actively working with our defaulted projects in Latvia and Finland – we expect positive news and a rapid decrease of defaults during the first quarter of 2022.

2021 saw us introducing principal capital loss to our investors in the total amount of €0,04M, which is a relatively small amount considering our total financed loans since 2014. Total full loan recoveries in 2021 amounted to €5,2M.

The loan portfolio’s growth over the past year has been facilitated by our investments into loan origination technology and recruitment (loan managers, credit analysts). We also re-organized our risk department at the end of 2021 to support the origination plans for upcoming years. 

We will keep you informed about the credit portfolio quality on a monthly basis.

Related Posts

Loan portfolio overview (September of 2022)

Loan portfolio overview (August 2022)

Matti’s Portfolio Report For August

Tags: Investingloan portfolio
ShareShareSendSendTweet
Previous Post

Estateguru hits €500 million funded mark in record time

Next Post

Estateguru 2021 results: loan volumes increased by 69%, revenues 58%, new investors by 35% compared to 2020

Recommended for you

Portfolio overviews

Loan portfolio overview (December of 2022 and full overview of 2022)

27-01-2023
Refinancing, City scape
Borrowing

What is refinancing and why does Estateguru refinance loans?

06-01-2023
Man writing loan portfolio November
Portfolio overviews

Loan Portfolio Overview (November of 2022)

28-12-2022
Sebastian, Investor Stories
Investing

Investor Stories: Sebastian

12-12-2022
Portfolio overviews

Loan portfolio overview (October 2022)

22-11-2022
LP september
Portfolio overviews

Loan portfolio overview (September of 2022)

24-10-2022

How to use Estateguru

construction

So you have your first defaulted loan? Here’s what you should know

13-10-2022

A Guide To Setting Up The Auto Invest Custom Strategy

28-03-2022
5 Reasons To Use Estateguru’s Auto Invest

5 Reasons To Use Estateguru’s Auto Invest

11-01-2022
Auto Invest – Investment Strategies User Guide

Auto Invest – Investment Strategies User Guide

05-01-2022
refer a friend

Our New and Improved Referral Program!

24-11-2021
Load More

Sign up for our newsletter

Popular Posts

  • construction

    So you have your first defaulted loan? Here’s what you should know

    46 shares
    Share 18 Tweet 12
  • So you have your first late loan. Here’s what you need to know.

    35 shares
    Share 14 Tweet 9
  • How we maximize value creation for investors from late loan situations

    23 shares
    Share 9 Tweet 6
  • Estateguru’s Annual Review for 2022 and outlook for 2023

    17 shares
    Share 7 Tweet 4
  • How does Estateguru’s Debt Management Work?

    15 shares
    Share 6 Tweet 4
Estateguru P2P lending Blog

Estateguru is the leading Pan-European marketplace facilitating property-backed loans for SMEs and carefully selected investment opportunities for our global investor base.

Estateguru OÜ Tartu mnt 10/Pääsukese 2, Tallinn
Tel: +372 6412 777
Email: info@estateguru.co

Other Links

  • Start Investing
  • About Estateguru
  • FAQs
  • Cookies & Privacy Policy
  • Contact & Support
Trustpilot

© 2022 Estateguru - The leading European marketplace for short-term, property-backed loans.

No Result
View All Result
  • Investing
  • Borrowing
  • Portfolio overviews
  • Case studies
  • Press
  • Company news
  • Office life
  • To Estateguru.co
  • Create Account
  • lv Latviešu
  • lt Lietuvių
  • fi Suomi
  • et Eesti
  • en English
  • de Deutsch

© 2022 Estateguru - The leading European marketplace for short-term, property-backed loans.

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In

Add New Playlist

This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy and Cookie Policy.