FAQs

Stock.estate is a new real estate crowdfunding platform, which will radically reshape the ways we are used to investing in real estate.

Stock.estate is providing real estate investors with access to pre-vetted real estate investment opportunities and relevant background information. Also, the real estate companies or developers can raise flexibly structured and priced funding on Stock.estate.

Stock.estate ensures smooth investment and fundraising processes and facilitates the property management to enroll it in the commercial, residential or hospitality circuit to produce stable rental income.

Our team identifies and conducts research on real estate investment opportunities you can access.

Each crowdfunding campaign utilizes loan contracts, through which participating investors provide loans to the project developer, and the project developer repays the borrowed amounts to the investors, together with interest. Investors earn from the interest received from that campaign.

We ensure that investors have access to complete, necessary, sufficient information to conduct their own risk analysis.

1. Registration and verify identity After a simple registration, you will need to identify yourself due to Know Your Client-identity verification (KYC) and Anti-Money Laundering (AML) procedures’ requirements, imposed by the regulators from the financial sector.

2. Invest the desired amount Choose the desired campaign and click the “Invest” button. So make an investment in the desired campaign by clicking on the corresponding 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 by the investor on the Platform.

3. Receipt of interest You will receive interest from the project developer as per the provisions of the Loan Agreement. Interest on loans granted by project developers will also be displayed on the Platform for each Fundraising campaign.

You earn an income from the interest which is regularly transferred to your bank account. The borrowed amount will also be repaid by the project developer, according to the repayment schedule attached to the Loan Agreement.

Stock.estate gives you the opportunity to diversify your investments in commercial, residential and vacation rental properties.

We run every property through a rigorous list of criteria and filters and select the best ones. A risk profile for every potential property includes:

• Liquidity Index of the property - how easy is it to sell this property, should it be necessary or profitable
• Vacancy Index - how easy is it to find a tenant
• Price Growth Expectation - the estimated price growth of a property of this type in this area.

All target projects are carefully considered, selected and evaluated by our team. If we see problems with their experience and how they approach the business or the real estate project is not a good opportunity for Stock.estate investor’s community, we delay or refuse to list these projects.

Stock.estate is a crowdfunding platform providing real estate investors access to different investment opportunities which might not be available to them alone.

Additionally, Stock.estate provides a great way to diversify your investments. We regularly open new projects out of which each investor can choose the most suitable ones to invest in.

Stock.estate provides a platform that fully digitalizes all processes related to the investment, so there is no need to show up physically, and Stock.estate will facilitate the property management to make the real estate property profitable as soon as possible.

Stock.estate publishes regularly different real estate projects for investment opportunities with different risk profiles, time horizons and expected returns.

Each Stock.estate Platform’s member is free to decide what kind of investment opportunities are the best suited to his investment objectives, investment horizon, and risk tolerance.

Stock.estate platform allows everybody to invest, who is older than 18 years old whose active legal capacity is not restricted. To proceed to the investment stage, you need to have verified your identity and from an AML perspective.

It is not mandatory to be in Romania to invest in the active campaigns on Stock.estate. To invest, you must be at least 18 years old, be registered on the platform, and sign (digitally) the investment documents in the appropriate time frame. If you wish to place an investment as a legal person, it must already be set up at the time of the investment.

You will be asked to answer a few questions so that you can be classified as a sophisticated or unsophisticated investor.

A sophisticated investor is an investor who understands the risks associated with real estate investments and has the appropriate financial resources so that it can take on these risks without exposing itself to adverse economic consequences.

If you do not meet these conditions, then you are categorized as a non-sophisticated investor. Non-sophisticated investors are advised to consider investing less than 10% of the annual net gain in financial instruments.