Take a look at our latest review of EstateGuru and find out if this platform is the right place to passively grow your money.

EstateGuru Reviews: Overview

Official Website: EstateGuru.co (Check It Out Here)
Minimum Investment: €50
Average Interest Rate: ~ 12.16% p.a.
Year Launched: 2014
SEC. Market: NO
Auto-Invest Option: YES
Buy Back Guarantee: NO
Bonus: +0.5% FOR 90 DAYS
Available: EUROPE
EstateGuru Review: PROS EstateGuru Review: CONS
No investment fees
Mortgage secured loans
A good quantity of loans
The minimum investment is €50
Possible to use auto-invest
No buyback guarantee
Lower yield than competitors

Summary: EstateGuru is one of the excellent estate-focused platforms you can consider when it comes to P2P real estate investment. Their interest rates are quite lower than the other competitors. However, they have a lot of loans offers which are a great way to diversify investments.

Sign-up below and get 0.5% bonus for all your investments within 90 days.

EstateGuru Reviews 2019: Are Your Investments Safe Here?

EstateGuru is one of the popular P2P sites around Europe. It offers a lot of loans or what we call the investments opportunities for investors. This gives a great way to diversify your portfolio.

But, how safe is your investments in this platform?

If you’re considering EstateGuru as one of your investment platforms for crowdfunding or peer-to-peer lending, then stay tuned in this review we will be tackling about the security of your investments here.

Make sure to maximize a 0.5% bonus on the investments you make within 90 days at EstateGuru in case you end up deciding to invest in EstateGuru.

What is EstateGuru?

EstateGuru is another investment opportunity for anyone from Europe like the Envestio. However, compared to Envestio that has a variety of loan types, EstateGuru is an estate-focused crowdfunding platform.

At the time of the writing, 865 funded loans. There are 26932 investors account from 45 countries, who have funded €131,173,676 towards the projects and have received a total earning of €8,539,508. And these numbers are going…

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The average loan-to-value (LTV) ratio on EstateGuru is around 57.83%. LTV is the ratio that indicates the value of the loan compared to the value of the collateral.

Sample Open Loans

EstateGuru Sample Open Projects

Sample Loan Details

Here you can see the collateral type for the loan (e.i. Hotel Building)

Sign-Up Bonus

If you sign up using the link below, you’ll get the following sign-up bonus:

An activity bonus of 0.5% for the first 90 days after you register.

EstateGuru Investment Platform

Like the other investment platforms, EstateGuru ensures that all users of the platform are verified investors.

But as an investor, you definitely want to know how secure your investments are in this platform.

Main Risk: The project you invested in failed.

The main fear of all investors is to lose all their investments. But what happens when a project fails? will you lose your money?

The short answer is no.

Your investments at EstateGuru are actually secured through their collateral policy for the loan, which means your investments are property-backed loans

Here’s how it works:

If the loan or the entire project fails, EstateGuru has the right to liquidate the collateral (mortgaged property). Once the property is sold, EstateGuru will pay the investors.

Loan Selection Process

“Securing property loan from EstateGuru is up to 5 times faster than traditional financial institutions and 50% cheaper than non-bank lenders.”

Getting funded from EstateGuru requires collateral or a mortgaged property and a good credit rating of the borrower to ensure the least possible risks for the investors.

No loan will be granted if the borrower doesn’t meet these requirements.

So, even though the EstateGuru doesn’t have a BuyBack Guarantee, like Grupeer or Envestio, their loans are secured with a mortgage. This makes the investment in EstateGuru highly secured.

Historical development of loans on EstateGuru with 0% rate for the Loss Of Capital.

What If EstateGuru Collapses?

Even though EstateGuru has been delivering great performances with secured loans for the past years, there’s always a major fear for all investors:

If EstateGuru Collapses: What will happen?

Legally speaking, EstateGuru is not a financial institution. Instead, they are a facilitator. This means that they are also regulated as a facilitator. So if they happen to collapse or close, they will be treated as such.

Since EstateGuru is a facilitator, asset management is not something they do.

Here’s what to expect in case EstateGuru declares bankruptcy.

  • All the loan contracts are written between the borrower and the investors.
  • All investors’ money is also separated from EstateGuru’s funds.
  • EstateGuru’s clients’ money is stored in a separate client bank account.
  • If EstateGuru goes bankrupt, the investors’ money does not disappear.
  • You can still withdraw your money from the platform.
  • A contractual entity will take over the management of the investments

This makes EstateGuru really safe for investors.

How To Manage Your Risk

Risk management is always advisable in every investment type you’re into. With the peer-to-peer investment, we highly recommended the following in protecting your money.

First, diversify your investments on EstateGuru, which means you need to invest in multiple projects. In this manner, you will be spreading your risk. For example, if you have 10 invested projects and one of them fails, then only 10% of your portfolio will be affected.

Second, diversify your investment to multiple investment platforms. This means, even if the entire platform collapses, only a small portion of your investment will suffer.

How Secure Is The EstateGuru Platform?

There a lot of online fraud and money laundering that all parties want to be completely away when transacting with EstateGuru.

We found some of the great security measures on EstateGuru. Amongst the others are:

  • The good identity verification process
  • “Only bank transfer” for the first deposit.

EstateGuru Reviews: Who Can Invest?

To become an investor in EstateGuru, you must meet the following requirements:

Requirements:

  • Being at least 18 years old
  • Have a bank account in EEA member states or Switzerland (Transferwise works for global investors)
  • Comply with KYC checks

If you meet the few requirements, you can start investing through EstateGuru. To get started, just follow this process:

  1. Create an account
  2. Add funds to your account
  3. Pick loans and start investing

Getting started is very simple as step 1-2-3 and your money will start to grow.

Would you like to invest in property loans through EstateGuru? Then sign-up below and 0.5% on top of the investments you make during the first 90 days:

Investment Reviews: Auto-Invest

Invest Automatically using the Auto-invest feature

EstateGuru Reviews: Conclusion

Our research about the security of your investment on EstateGuru has led us to an honest opinion of a pretty secured platform through mortgages as the collaterals for the projects.

Using this property loans and mortgage policy, EstateGuru has never had a record of Capital Loss. But, this is not a guarantee that it will not happen in the future.

So, it is always advisable to diversify your portfolio in many projects as well as in different platforms like the Grupeer and Envestio.

We hope you enjoyed our EstateGuru reviews and you find it helpful in deciding whether your money will safely grow in this platform. If so, then consider signing up with EstateGuru below and let your money start growing and work for you.

By clicking the button below you will be taken directly to EstateGuru’s site, where you can sign in as an investor in one of the fast-growing P2P platforms with great investment opportunities.

Bonuses:

0.5% of the average amount you have invested in the platform over the 90-day period.

To get the EstateGuru bonus, simply register on their platform through one of the links here in our EstateGuru review.