Estateguru Says Investors Received €36 million in Repayments in Q4

Estateguru, an online investment platform for small loans, said that investors received over €36 million in repayments during Q4 of 2024. This includes both principal and interest, with €3 million earned as interest by investors.

During the quarter, investors funded €20.6 million in loans, each being secured by real estate.

Estateguru broke it out by country for the quarter: €11.6 million in Estonia, €5.2 million in Lithuania, and €3.4 million in Latvia.

Estateguru CEO Mihkel Stamm said that Q4 was the most successful of the year in terms of lending volume. Stamm shared that there was an “autumn revival of the real estate market,” which drove interest from investors and developers.

Stamm also shared that the quarter was the best of the year in terms of recoveries, with a total of €8.6 million successfully recovered from loans that had previously been delayed.

The platform said it issued €6.7 million in new real estate loans in December. Investors received €14.5 million in repayments during the month, including €1.2 million in earned interest and €3.1 million in recovered principal from problematic loans.

Stamm anticipates increasing investor activity in 2025 as the real estate sector improves.

“For small-scale investors, it won’t be easy in 2025 to find returns comparable to those offered by crowdfunding, especially with collateral as strong as real estate secured by a first-ranking mortgage,” said Stamm.

At the beginning of 2025, Estateguru expanded investment accounts to include investments through licensed crowdfunding platforms, which is expected to help retail investors boost their returns.

 



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