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.
€516,317,368
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
|
€279,069,343 53.44 % |
|
Funded
|
€188,161,717 36.03 % |
|
Late
|
€24,797,688 4.75 % |
|
In Default
|
€14,866,891 2.85 % |
|
Fully Recovered
|
€13,459,625 2.58 % |
|
Partially Recovered
|
€1,817,947 0.35 % |
|
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
|
€222,849,236 43.16% |
Lithuania
|
€90,987,849 17.62% |
Germany
|
€79,343,126 15.37% |
Latvia
|
€63,146,113 12.23% |
Finland
|
€54,326,044 10.52% |
Spain
|
€3,065,000 0.59% |
Sweden
|
€1,750,000 0.34% |
Portugal
|
€850,000 0.16% |
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 |
€20,335,072
124
Loans
|
€20,335,072
124
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
10.90%
|
8.96%
|
| 2021 |
€202,797,652
1,072
Loans
|
€150,748,951
757
Loans
|
€19,170,146
54
Loans
|
€94,900
1
Loan
|
€29,951,272
261
Loans
|
10.86%
|
9.68%
|
| 2020 |
€120,305,673
824
Loans
|
€17,030,922
85
Loans
|
€14,881,035
46
Loans
|
€2,808,000
20
Loans
|
€86,766,926
693
Loans
|
11.18%
|
10.95%
|
| 2019 |
€80,370,394
583
Loans
|
€39,500
1
Loan
|
€5,956,211
40
Loans
|
€3,010,211
25
Loans
|
€72,929,136
542
Loans
|
11.61%
|
10.83%
|
| 2018 |
€53,004,608
354
Loans
|
€7,272
1
Loan
|
€1,115,030
13
Loans
|
€5,063,919
31
Loans
|
€51,466,357
340
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
|
11.24%
|
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
|
€218,858,071 42.39% |
|
Development loan
|
€191,141,028 37.02% |
|
Business loan
|
€106,318,269 20.59% |
Collateral types
Each EstateGuru investment opportunity is backed by real estate. We are currently holding €417,566,525 in collaterals, of which 97.77% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€272,453,561 52.77% |
|
Land and buildings under construction
|
€127,546,019 24.70% |
|
Commercial
|
€116,317,788 22.53% |
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.
