{"id":42509,"date":"2026-09-28T15:09:24","date_gmt":"2026-09-28T12:09:24","guid":{"rendered":"https:\/\/estateguru.co\/blog\/?p=42509"},"modified":"2026-09-30T10:51:36","modified_gmt":"2026-09-30T07:51:36","slug":"eg-grow-e7-million-invested","status":"publish","type":"post","link":"https:\/\/estateguru.co\/blog\/eg-grow-e7-million-invested\/","title":{"rendered":"EG Grow: \u20ac7 million invested"},"content":{"rendered":"

Every new investment product needs time to prove itself and earn investors\u2019 trust. EG Grow started from zero a year ago. Today, more than \u20ac7 million has been invested through EG Grow, and the number of investors has grown quarter after quarter.<\/span><\/p>\n

According to Estateguru\u2019s Chief Commercial Officer, Triin Pappel, EG Grow was created in response to investor feedback. \u201cWe heard that real estate-backed loans <\/a>are attractive, but not everyone wants to manage their portfolio manually. Many investors also prefer regular monthly interest payments instead of receiving payments only a few times a year. That is how EG Grow came about. It is designed for people who value predictable cash flow and want more stability in their investment strategy,\u201d Pappel explains.<\/span><\/p>\n

To the best of Estateguru\u2019s knowledge, no other provider in Europe currently offers a comparable product built around real estate-backed loans.<\/span><\/p>\n

What is EG Grow, in short?<\/b><\/h2>\n

EG Grow offers a fixed annual interest rate of 7%, paid monthly.<\/span><\/p>\n

\u201cThe money invested is automatically spread across multiple loans. Every loan in the portfolio is backed by a first-ranking mortgage<\/a>. Interest payments also do not depend on individual borrowers making their payments on time. If an interest payment on one of the loans is delayed, it is covered by a contingency reserve created specifically for EG Grow,\u201d Pappel explains.<\/span><\/p>\n

You can start investing in EG Grow with \u20ac100. If automatic reinvestment is enabled, the interest earned is automatically reinvested. This allows investors to benefit from compound interest without having to reinvest the money manually.<\/span><\/p>\n

How has EG Grow performed so far?<\/b><\/h2>\n

\u201cEG Grow has been well received and has worked as expected. Naturally, during the first year we have also found things that could be improved. We have reacted quickly and continued to improve the user experience. A year in, EG Grow is now well established on the platform,\u201d says Pappel.<\/span><\/p>\n

\u201cWe expect EG Grow to account for a growing share of investments on our platform,\u201d she adds.<\/span><\/p>\n

Who actually uses EG Grow?<\/b><\/h2>\n

When we launched EG Grow, we expected it to appeal mainly to smaller retail investors. But the data now shows that investors with larger portfolios are using it as well.<\/span><\/p>\n

\u201cIn practice, we can see that EG Grow has found a place in the strategies of investors with very different portfolio sizes,\u201d Pappel says.<\/span><\/p>\n

How is money invested through EG Grow?<\/b><\/h2>\n

EG Grow investments are spread across multiple loans to reduce the impact of any single loan on the overall portfolio. For example, if an investor starts with \u20ac100 in their EG Grow account, that amount is automatically spread across at least ten different loans.<\/span><\/p>\n

\u201cThe EG Grow portfolio only includes real estate-backed loans that are secured by a first-ranking mortgage and meet specific criteria. For example, the loan-to-value ratio may not exceed 69% when the loan is listed on the platform, and the loan term may be no longer than 18 months,\u201d Pappel explains.<\/span><\/p>\n

More detailed conditions are available here.<\/span><\/p>\n

What are the risks of EG Grow?<\/b><\/h2>\n

Although EG Grow has a contingency reserve in place, returns are not guaranteed. The main risk is that a borrower becomes unable to repay the loan and the sale of the collateral does not cover the full outstanding amount. To reduce this risk, the loan-to-value ratio in the EG Grow portfolio is capped at 69%.<\/span><\/p>\n

For example, if a property is valued at \u20ac500,000, the maximum loan amount would be \u20ac345,000. This leaves a buffer between the loan amount and the value of the collateral in case the property value falls or the property has to be sold for less than expected.<\/span><\/p>\n

In the rare cases where a borrower becomes insolvent, our in-house team manages the recovery process, bringing in external partners where needed. While the recovery process is ongoing, scheduled interest payments are made from the reserve.<\/span><\/p>\n

How is interest paid, and how can money be withdrawn?<\/b><\/h2>\n

Interest is paid monthly.<\/span><\/p>\n

\u201cInvestors can choose whether the interest is added to the available balance in their account or automatically reinvested. At the moment, around 80% of investors have chosen automatic reinvestment,\u201d says Pappel.<\/span><\/p>\n

If an investor wants to withdraw money from EG Grow, automatic reinvestment needs to be switched off. Interest payments and repaid principal then build up as available funds in the EG Grow account and can be transferred to the investor\u2019s bank account. The money generally reaches the bank account immediately.<\/span><\/p>\n

And if EG Grow sounds interesting, there is one more thing worth noting. Investments made on or before 21 October 2026 earn an annual interest rate of 8% instead of the usual 7%.<\/span><\/p>\n

More information about EG Grow is available here<\/a>.<\/span><\/p>\n

 <\/p>\n

Investing comes with risk. Before making any decisions, consider consulting a financial professional.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Every new investment product needs time to prove itself and earn investors\u2019 trust. EG Grow started from zero a year ago. Today, more than \u20ac7 million has been invested through EG Grow, and the number of investors has grown quarter after quarter. According to Estateguru\u2019s Chief Commercial Officer, Triin Pappel, EG Grow was created in […]<\/p>\n","protected":false},"author":22,"featured_media":42534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","jnews_video_option_group":[[]],"override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"topbottom","share_float_style":"share-monocrhome","show_featured":"1","show_post_meta":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"320","post_calculate_word_method":"str_word_count","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_comment_section":"1","number_popup_post":"2","show_post_related":"1","show_inline_post_related":"1"}],"image_override":[{"single_post_thumbnail_size":"no-crop","single_post_gallery_size":"crop-715"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[402],"tags":[913,62],"class_list":["post-42509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-eg-grow","tag-investing"],"_links":{"self":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/posts\/42509","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/comments?post=42509"}],"version-history":[{"count":2,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/posts\/42509\/revisions"}],"predecessor-version":[{"id":42566,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/posts\/42509\/revisions\/42566"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/media\/42534"}],"wp:attachment":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/media?parent=42509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/categories?post=42509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/tags?post=42509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}