EstateGuru historical statistics
Since founding EstateGuru in 2014, we've helped property developers all over Europe borrow money quickly and easily, giving them access to reliable capital when they need it most. In parallel, our investors have earned market-leading returns on short-term property-backed loans.
€506,228,718
Total loans funded
Average loan to value (LTV)
Number of loans funded
Average loan size
Historical return
Average loan term of issued loans
Average loan term of repaid loans
Loan portfolio
Our loan portfolio shows great historic stability and steady growth, while the recovery data and default rates remain industry-leading.
|
Repaid
|
€276,883,413 54.18 % |
|
Funded
|
€186,214,701 36.44 % |
|
Late
|
€17,715,215 3.47 % |
|
In Default
|
€15,046,891 2.94 % |
|
Fully Recovered
|
€13,279,625 2.60 % |
|
Partially Recovered
|
€1,817,947 0.36 % |
|
Written Off
|
€40,121 0.01 % |
Total recovered amount
Average return of recovered loans
Average term from default to recovery
Recovery rate (portfolio)
Total written off
Historical default
Monthly loan repayment amounts
Historical loans by country
Estonia
|
€218,718,830 43.21% |
Lithuania
|
€89,592,349 17.70% |
Germany
|
€75,847,576 14.98% |
Latvia
|
€62,688,894 12.38% |
Finland
|
€53,716,069 10.61% |
Spain
|
€3,065,000 0.61% |
Sweden
|
€1,750,000 0.35% |
Portugal
|
€850,000 0.17% |
Historical performance
Loan funded amount is shown as a total cumulative number as of 31 December of the corresponding year. All other numbers are shown as current and are subject to change as repayments and recoveries occur.
| Loans funded | Outstanding loans | Late + default | Fully recovered | Repaid | Actual return | Weighted return | |
|---|---|---|---|---|---|---|---|
| 2022 |
€9,286,447
68
Loans
|
€9,286,447
68
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
11.13%
|
8.97%
|
| 2021 |
€202,797,652
1,072
Loans
|
€159,925,301
787
Loans
|
€11,400,532
35
Loans
|
€94,900
1
Loan
|
€28,533,742
250
Loans
|
10.86%
|
9.68%
|
| 2020 |
€120,305,673
824
Loans
|
€16,930,377
86
Loans
|
€15,568,175
48
Loans
|
€2,808,000
20
Loans
|
€86,222,876
689
Loans
|
11.18%
|
10.95%
|
| 2019 |
€80,370,394
583
Loans
|
€65,304
2
Loans
|
€5,956,211
40
Loans
|
€3,010,211
25
Loans
|
€72,884,786
541
Loans
|
11.61%
|
10.83%
|
| 2018 |
€53,004,608
354
Loans
|
€7,272
1
Loan
|
€1,295,030
14
Loans
|
€4,883,919
30
Loans
|
€51,286,357
339
Loans
|
12.02%
|
10.80%
|
| 2017 |
€22,992,923
147
Loans
|
€0
0
Loan
|
€360,104
5
Loans
|
€2,048,164
16
Loans
|
€21,601,091
142
Loans
|
12.06%
|
10.76%
|
| 2016 |
€11,932,010
77
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€210,431
2
Loans
|
€11,932,011
77
Loans
|
13.56%
|
10.52%
|
| 2015 |
€4,403,450
23
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€224,000
1
Loan
|
€4,403,450
23
Loans
|
11.52%
|
10.67%
|
| 2014 |
€19,100
1
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€19,100
1
Loan
|
11.25%
|
10.00%
|
What are loans used for?
We offer three types of short-term loans, each serving a specific niche need for our borrowers. Investors can choose which loan types they wish to support.
|
Bridge loan
|
€212,114,376 41.90% |
|
Development loan
|
€188,852,758 37.31% |
|
Business loan
|
€105,261,584 20.79% |
Collateral types
Each EstateGuru investment opportunity is backed by real estate. We are currently holding €428,455,997 in collaterals, of which 97.72% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€267,267,051 52.80% |
|
Land and buildings under construction
|
€123,322,444 24.36% |
|
Commercial
|
€115,639,223 22.84% |
Annual reports
Our detailed annual financial reports are independently audited by a third-party auditing firm and are available to download and study. Below is a list of available reports.
