FAQs

The legal structure involves a loan contract signed by: a) the investor b) the project developer c) Stockestate Crowdfunding SRL, the owner of the platform from where all users choose the projects in which they wish to invest.

Therefore, there will be a direct legal relationship between the investor and the project developer represented by the loan agreement from which the investor's receivable against the project developer will arise.

In the event that something happens to Stock.estate, the investments of the Platform’s members will not be affected.

You should be a registered user to gain access to our investment opportunities. Before investing, you are expected to provide us with the necessary information and confirmations required by the law.

After reviewing a Fundraising campaign, you can decide to make an investment in the real estate project by clicking on the appropriate button, where you will be asked to indicate how much you want to invest.

The Investor expresses his interest in participating in the Fundraising at the time of placing the investment order, the participation being realized by granting a loan to the borrower in the amount indicated on the Platform.

The investment consists in the granting of a loan by the investor (lender) in favor of the project developer (borrower) in the amount indicated by the investor on the Platform, and later the investor will be reimbursed by the project developer for the borrowed amount and interest.

You have, as an investor, at disposal a reflection period of four (4) calendar days from the moment of submitting the investment order during which you can be able to revoke your expression of interest to participate in the Fundraising without penalty and with no obligation to provide a justification.

In case that the Fundraising campaign does not reach the established target by the end of the campaign (irrespective of the reason), the amount transferred by the Investor will be returned in full to the Investor.

Please review investment opportunities before making any investment decisions. Stock.estate’s investment opportunities are of different length, risk profile and return expectations. Please consider the suitability of any investment opportunity to your personal risk tolerance and investment horizon. If the available opportunity does not match with your preferences, please do not invest in it. We are regularly adding new real estate investment opportunities and in time you will find a suitable one.

The minimum amount of any single investment starts from 100 euro. The maximum amount of the investment must not exceed 10% of Your net income and it cannot be more than 30.000 euros in a single campaign.

The borrowed amount will be transferred by the Investor to the project developer by using the services of a payment service provider (an electronic money issuing institution, entitled to provide payment services on the territory of Romania, whose identity will be communicated to investors within the Platform by Stock.estate). For the avoidance of doubt, Stock. Estate will not take possession of the funds transferred by the investor to the project developer.

Investors' money will be transferred to the project developer by the investor using the services of the payment service provider.

If the Fundraising campaign does not reach the set target level by the end of the campaign (regardless of the reason), the amount transferred by the Investor will be returned to him.

Once the loan has been granted to the project developer, the latter will transfer to the investor's account the interests mentioned in the Repayment Schedule and will also repay the principal, in the rates and terms indicated in the Repayment Schedule.

Stock.estate will facilitate the management of the real estate to introduce it into the commercial residential or hotel circuit, to produce stable rental income. You will receive interest and principal payments from the rental income; you will be able to sell the receivable from the loan agreement to a third party if you want immediate liquidity.

The Investor has at disposal a reflection period of four (4) calendar days from the moment of placing the investment order during which the Investor is able to revoke his/her expression of interest to participate in the Fundraising without penalty and with no obligation to provide a justification. The request to revoke the offer should be sent to the email address team@stock.estate.

You can earn money from real estate investments from the interest you receive from the project developer. Real estate investments have different returns, depending on the interest rates mentioned on the Platform and in the loan contracts.

All investment decisions made by Stock.estate members should be based on personal opinions and preferences. Generally, the earnings from the rental are paid by the project developers as interest to the investors.

You do not need to do anything to earn interest, it will be paid under the loan agreement concluded on the Platform with the project developer, according to the Repayment Schedule. You will receive interest from the rental income paid by the developer directly into your bank account.

You can track all the amounts you have earned from the real estate projects you have invested in in your platform user profile.

The investor can transfer his receivable arising from the loan granted to the project developer to any third party by concluding a receivable assignment contract (privately signed deed concluded between the investor and the third party).