real estate investments – Page 3

Bulkestate real estate crowdfunding marketplace overview

By MPI17th May 2018Peer-to-Peer LendingBulkestate, crowdfunding, group-buying, investing, loans, real estate, real estate investments

Bulkestate OU is a real estate crowdfunding platform with a focus on funding new development or re-development projects as well as structuring group buying deals to acquire small size (such as one apartment) real estate at wholesale prices (sales price of an entire building). Bulkestate was founded and commence operations since 2016.

Bulkestate operations are regulated by general commercial legislation of Estonia and European Union. In order to operate as a financial institution, Bulkestate has received a financial institution license in Estonia.

The main difference between Bulkestate and other real estate crowdfunding platforms is a combination of both lending and group-buying services. It provides an efficient solution if initial loan arrangements fail and they might have to foreclose and sell the real estate mortgage. This way the security of the investment project increases, providing more guarantees for the investors. A significant part of their team are experts in the field of real estate development and organisation of the sales process, which is another important differentiator as they have hands-on experience with the due diligence and approval process. Furthermore, they have the necessary capacity to take over management of projects, which do not proceed as planned and deliver the promised result.

Who is eligible to invest?

Any company or any person over the age of 18 can invest in any of the active investment opportunities on the Bulkestate platform.

The minimum investment is 50 EUR. There are no restrictions on the investment amount, yet it cannot exceed the loan amount. Investments may be made several times till the investors reach the goal of the funding for the particular investment object.

Loans

Bulkestate has clear and strict guidelines when selecting investment projects to offer for the investors. The main prerequisite is clarity in the planned repayment of the loan, which may depend on the market demand for specific properties, quality of the project and quality of the development project team. We carefully evaluate the demand for the particular real estate property. Thus, primarily the saleability of properties is assessed as well as the security of exit options upon completion of the project. Also, the general policy is to finance loans where LTV is 70% or less.

Group-buying deals

You can keep an eye on your investments in your Bulkestate user account. Your account displays aGroup buying deal or bulk-deal occurs when an owner of an apartment building wants to sell all apartments (entire building) at once. We publish the offer on our platform giving a chance to purchase one or more apartments in the building. The deal is successful if all apartments are bought, meaning that there is a potential buyer for every apartment in the building and a bulk-deal can take place.ll pending investments.

In group-buying, you are buying an entire apartment and receive the full legal owner title, yet you cannot make an investment in one of the apartments.

How can funds be transfered

To add money to your account, choose an option “Add funds”, set the deposit amount and make a transfer from your bank account (minimum of EUR 50). The bank transfer typically takes 3 to 5 business days to complete after initiating a deposit. Bulkestate makes your funds available in your account as soon as the payment is received.

Investing

There are two ways to invest in loans: manual investing or automatic investing using Autoinvest.

Auto Invest is an investment tool that automatically invests available funds on behalf of investors, basing on their chosen criteria. Once investors set their investment criteria, Auto Invest automatically places orders for matching settings. Investors can review, adjust or pause Auto Invest at any time. There are no additional costs for using Auto Invest.

EstateGuru peer-to-peer cross-border lending marketplace overview

By MPI27th April 2018Peer-to-Peer Lending, Real estateEstateGuru, invest, investor, peer-to-peer lending, property, real estate investments

NEW: The peer-to-peer lending marketplace EstateGuru offers now a 0.5% bonus on all your investments made in the first 3 months. To receive it, you must register, comply with the terms and conditions and start investing. The bonus will be added to your investment account after the loan has been funded and transfered to the borrower.

EstateGuru is a leading Nordic online peer-to-peer lending platform established by property and FinTech professionals facilitating short- and mid-term property loans. The cross-border marketplace offers flexible terms for borrowers and premium interest to its investors. The loans of EUR 50 000- 3 000 000 facilitated through the EstateGuru platform are secured against property with a maximum LTV of 75%.

The mission of EstateGuru is to provide hassle free and flexible financing to property developers and entrepreneurs and property backed investment opportunities to its international investor base.

To date EstateGuru has been growing more than 300% a year and has established itself in Estonia, Latvia and Lithuania with more than 314 loans issued amounting to over €51 million. To date, EstateGuru has more than 11200 investors of different profile from 45 countries.

In the near future EstateGuru is launching the platform in Spain, Ireland and the UK.

How does it work?

A property owner, developer or entrepreneur proposes a business case for which they need funding. The professional team at EstateGuru will examine the application, and commission an independent valuation by a recognized third party.

If the independent review of the value of security, and the analysis of EstateGuru team’s due diligence, including of the borrower business plan and exit strategy is positive, the loan will be opened for investment. Within ten days of funding being successfully achieved through the platform, EstateGuru will set a charge on the property, releasing the funds to the borrower.

At EstateGuru Lenders earn interest on a monthly basis through the term of the loan, at rates that exceed most of the standard investment vehicles. Borrowers can quickly and efficiently raise competitively priced capital to bring their projects to life. Asset backed investing and borrowing has never been easier.

Who is eligible to invest?

You must be at least 18 years old and have a bank account any of the EEA member states or in Switzerland in order to lend through EstateGuru. EstateGuru also have to perform certain “know your customer” checks on you before you can start investing.

Using this referral link when you signup you will receive a 0.5% bonus of the total amount invested within the first three months.

What type of projects can be founded on EstateGuru?

Real estate projects in Estonia, Latvia or Lithuania which are approved by our team can access funding through EstateGuru. However, there is no limitation on the type of projects that can be submitted for approval. As long as the project has a property element to it and the property is capable of being used as security for the debt, please feel free to submit it for approval.

Investing

EstateGuru makes it easy for investors to access a variety of real estate investments with a relatively small amount of capital. The minimum amount for investment is €50, which enables to create a diversified portfolio. All loans are secured with a mortgage.

The minimum investment amount is €50 and no fees apply to investors. All expenses are covered by the borrower.

Both manual and auto-investment are availabile. Auto Invest is a feature that allows you to invest your funds automatically in all loans available for investing on the EstateGuru platform.

The main keywords for the Auto Invest feature are comfort, speed and automatization.

• Auto Invest ensures you will not miss an investment opportunity due to high demand and the investment will be placed based on your chosen criteria automatically, without you having to stress about it;

• Auto Invest enables you to build a diversified portfolio, in which all the projects are chosen by a professional team who stands for the success of your investments;

• Auto Invest enables you to reinvest your income at the earliest opportunity. This way you start earning interest on committed funds as soon as possible.