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.
€425,197,348
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
|
€244,525,292 56.76 % |
|
Funded
|
€140,215,242 32.55 % |
|
Late
|
€20,643,325 4.79 % |
|
In Default
|
€13,837,127 3.21 % |
|
Recovered
|
€11,544,906 2.68 % |
|
Written Off
|
€11,840 0.00 % |
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
|
€198,591,315 46.71% |
Lithuania
|
€74,725,690 17.57% |
Latvia
|
€54,699,461 12.86% |
Germany
|
€48,789,301 11.47% |
Finland
|
€43,556,581 10.24% |
Spain
|
€2,235,000 0.53% |
Sweden
|
€1,750,000 0.41% |
Portugal
|
€850,000 0.20% |
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 | Recovered | Repaid | Actual return | Weighted return | |
|---|---|---|---|---|---|---|---|
| 2021 |
€95,061,899
496
Loans
|
€86,126,665
426
Loans
|
€1,129,833
7
Loans
|
€0
0
Loan
|
€7,290,470
63
Loans
|
11.04%
|
10.03%
|
| 2020 |
€120,305,673
824
Loans
|
€45,479,039
264
Loans
|
€14,405,997
66
Loans
|
€1,209,000
7
Loans
|
€57,922,366
494
Loans
|
11.18%
|
10.95%
|
| 2019 |
€80,370,394
583
Loans
|
€2,779,590
30
Loans
|
€6,505,237
48
Loans
|
€2,203,711
18
Loans
|
€69,215,306
504
Loans
|
11.61%
|
10.83%
|
| 2018 |
€53,004,608
354
Loans
|
€10,632
1
Loan
|
€1,674,818
22
Loans
|
€4,664,100
24
Loans
|
€50,828,338
331
Loans
|
12.02%
|
10.80%
|
| 2017 |
€22,992,923
147
Loans
|
€0
0
Loan
|
€1,083,405
8
Loans
|
€1,881,664
13
Loans
|
€21,434,591
139
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
|
11.39%
|
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
|
€180,948,126 42.56% |
|
Development loan
|
€148,443,334 34.91% |
|
Business loan
|
€95,805,888 22.53% |
Collateral types
Each EstateGuru investment opportunity is backed by real estate. We are currently holding €344,571,218 in collaterals, of which 97.33% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€223,361,663 52.53% |
|
Commercial
|
€103,961,764 24.45% |
|
Land and buildings under construction
|
€97,873,921 23.02% |
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.
