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The anticipated returns on your investments through Crowdestate are projected to range between 10% and 12% per annum (as of the end of 2024), contingent on the unique risk and return characteristics of each crowdfunding project you select.

Secured senior loans have historically offered our investors annual returns of 8% to 12%, reflecting a balanced risk profile suited for those seeking stable income. On the other hand, equity investments present opportunities for significantly higher returns, with expected yields starting at 17% to 18% per annum. However, it is important to note that these higher returns come with increased risk, typical of equity financing.

Any income generated from the real estate investment project is allocated proportionally among the participating investors, based on their respective share of the investment.

The distributed income is credited to investors' Crowdestate accounts, where they have the option to either reinvest in new opportunities or withdraw the funds at their discretion. This flexibility allows investors to tailor their investment strategy according to their financial goals—whether it be maximizing returns through reinvestment or realizing immediate gains.

Crowdestate offers a variety of investment opportunities, including real estate development and mortgage loan projects, each with distinct risk profiles, time horizons, and expected returns.

When selecting an investment, it’s important to consider your personal financial goals, investment timeline, and risk tolerance. Crowdestate allows each investor to freely evaluate and choose the opportunities that align best with their individual investment objectives.

To make informed decisions, we recommend:

• Reviewing project details: Carefully analyze the project descriptions, risk factors, and expected returns.
• Diversifying your portfolio: Spreading your investments across multiple projects can help manage risk.
• Matching investments to your goals: Choose opportunities that align with your preferred time horizon and financial objectives.

Crowdestate provides all the necessary tools and information to support you in selecting the opportunities that best suit your needs.

Each investment opportunity on Crowdestate is structured with a specific exit condition, which determines when the investment concludes. In most cases, this exit condition is tied to a specific date in the future, marking the end of the investment period.

For real estate development projects, the exit typically occurs upon the sale of the developed property.

When investing through Crowdestate, the minimum investment per project is €100, with investments made in €100 increments (e.g., €100, €200, €500, €1,000, etc.). There is no specified maximum investment amount.

To start investing on Crowdestate, you need to be a registered user and have an active investment account with sufficient free cash balance.

1. Opening an investment account

As a registered user, you can open one or more investment accounts (e.g., one for personal holdings and another for your investment company). These accounts will securely hold all your assets and track all transactions, including investments, distributions, and payments.

2. Adding funds

Before you can invest, ensure your investment account has sufficient free funds. You can add funds via a standard bank transfer. Be sure to use the unique reference number provided for your investment account to ensure smooth processing.

3. Selecting a crowdfunding offer

Take time to carefully review the crowdfunding offers available on Crowdestate. Each offer has its own duration, risk profile, and expected return. Evaluate whether the offer aligns with your personal risk tolerance and investment objectives. If a particular offer does not meet your criteria, you are advised to wait for a more suitable opportunity, as new investment offers are added regularly.

4. Making an investment

When you find a suitable offer:

• Enter the amount you wish to invest.
• Click “Invest Now” and confirm your investment using a two-factor authentication (2FA) code from Google Authenticator or an SMS message.
• Once confirmed, the investment amount will be reserved in your account.

5. After the crowdfunding campaign

If the campaign succeeds:

• Crowdestate will finalize the transaction.
• An investment agreement will be created between you and the Project Owner.
• The investment amount will be debited from your account and transferred to the Project Owner once all preconditions are met.

If the campaign fails:

• Your investment offer will be canceled.
• The reserved funds will be instantly released back to your account.
  

Short answer: No.

Crowdestate cannot make investments directly on your behalf. Investments can only be made if sufficient funds are available in your investment account at the time of making the investment. If funds are unavailable or transferred funds do not reach your account in time, Crowdestate has no technical ability to reserve funds or place an investment order for you.

For security reasons, only the account owner can invest on the platform.

Just as no one else can use your bank account to make transfers, no one else can act on your investment account. This ensures that all investment decisions and actions remain fully under your control.

Automate your investments with Autoinvest!

If you prefer to streamline your investment process, you can set up an Autoinvest. 

Autoinvest allows you to define multiple specific parameters, such as minimum required interest rate and maximum term of the investment, enabling Crowdestate to automatically submit investment offers on your behalf based on your preferences.

By adhering to these security and control measures, Crowdestate ensures that you maintain full ownership and responsibility over your investment activities, while offering tools like Autoinvest to simplify your experience.

Once the real estate investment project is settled, your investment contract will appear in your Crowdestate investment portfolio.

From this point, you simply need to wait until the project reaches its conclusion. Upon the project's completion, the amount you invested, along with any accrued interest income, will be returned to your account as per the terms of the contract.

For ongoing updates, you can monitor the project’s progress directly through your Crowdestate account.

Once you invest in a project, you enter into a binding loan contract, which cannot be terminated prematurely.

However, Crowdestate provides an option to sell your investment on the secondary market. This allows you to transfer your investment to another investor, offering a potential way to exit the contract before the project reaches its conclusion. Please note that the ability to sell you loan contract depends on market demand, and transaction fees apply.

To ensure the protection of its investors' interests, Crowdestate withholds the disbursement of funds to the Project Owner until all terms and preconditions outlined in the investment or loan contract are fully met. Typically, the status ‘Pending settlement’ indicates that the mortgage securing the investors' contributions has not yet been established.

Yes, anyone who meets the basic requirements can become a real estate investor on Crowdestate. Our platform is designed to make real estate investment opportunities accessible and straightforward for a broad audience, regardless of prior experience in investing.

To start investing, you need to:

• Meet the eligibility criteria:

You must be of legal age in your country of residence.

You need to complete the identity verification process as required by anti-money laundering (AML) regulations.

• Create an account:

Register on the Crowdestate platform and open an investment account by providing the necessary information.

Once your investment account is open, you are ready to invest,

• Understand the risks and opportunities:

Real estate investing involves risks, and we encourage all investors to carefully evaluate each project and diversify their portfolio to manage risk effectively.

• Start with your preferred investment amount:

Crowdestate allows you to start investing with relatively small amounts, making it accessible even to those with limited capital.

You are free to choose projects that align with your financial goals and risk tolerance.

Crowdestate employs a rigorous selection process to ensure that only high-quality real estate projects are made available for investment. Our approach includes:

• Comprehensive due diligence: Each project undergoes thorough due diligence, encompassing financial analysis, legal review, and market assessment. This ensures that all aspects of the project are meticulously evaluated before being presented to investors.
• Risk assessment: Crowdestate utilises a detailed risk assessment model to evaluate potential risks associated with each project. This model considers factors such as loan-to-value (LTV) ratios and loan-to-cost (LTC) ratios to determine the project's financial stability and risk profile.
• Project viability: Crowdestate assesses the overall viability of the project, including the developer's track record, project location, and market demand. This ensures that the projects we offer have a strong potential for success and provide attractive returns to our investors.

By adhering to these stringent selection criteria, Crowdestate aims to provide investors with access to secure and profitable real estate investment opportunities.