FAQs

All investments are subject to risks and real estate is not an exception. We recommend you diversify your Stock.estate investment portfolio across multiple property types to protect you from market fluctuations and other issues, which could appear during the long term investment horizon, as property prices and rental fees level depend on various economic situations.

Stock.estate’s and its members’ business and assets are kept strictly separated.

Member’s investments are not part of Stock.estate’s assets.

The ceasing of Stock.estate’s activities will result in not having new investment opportunities on the platform. The current investments are sustainable on their own and their management is granted by the project developer. Also, the management can be transferred over to any other capable management company.

It is more likely to avoid losses by diversifying your investments, focusing on areas where you have experience and in businesses in which you strongly believe. Even experienced investors have difficulty in predicting what the outcome of these decisions will be or how to approach them and obtaining your values and the area that you are interested in, plays an important role when it comes to a good investment.

The Investor acknowledges that it fully understands and assumes the risks associated with the investment in crowdfunding projects, some of which are summarized below in a non-exhaustive manner.

Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested.

The Investor’s investment is not covered by the deposit guarantee established in accordance with Directive 2014/49/EU of the European Parliament and of the Council on deposit guarantee schemes or the related provisions of Romanian law.

The Investor’s investment is not covered by the investor compensation schemes established in accordance with Directive 97/9/EC of the European Parliament and of the Council on investor-compensation schemes or the related provisions of Romanian law.

An investment in a crowdfunding project includes the risk of losing all the invested capital.

There is a risk that the Investor will not receive any repayment of his investment (he will not receive all or part of the interest from the loan contract from the Project Developer, or even that the loan granted to the Project Developer will not be repaid at all).

Participation in Fundraising is not a saving product and Stock.estate advises the Investor not to invest more than 10% of his or her net income in crowdfunding projects.

The Investor may not be able to sell the investment instruments when he wishes. Even if the Investor is able to sell them, he may still be subject to losses. In this regard, the Investor may not be able to sell/transfer the receivables from the loan contracts when he wishes. And even if he can assign/transfer them, the Investor may still be subject to losses because he may not be able to assign them at a price equal to the entire value of the loans.

Taking into consideration the nature of the commercial companies, please note that there may be limited information - financial, operating or otherwise - regarding the Project Developer. There is a risk that: (i) there are facts or circumstances pertaining to the Project Developer that the Investor is not aware of, and (ii) publicly available information and information on the Platform concerning the Project Developer may prove to be inaccurate and, as a result, the Investor may suffer a partial or complete loss of the investment.