The present and future of crowdfunding

Mihkel Stamm, Crowdfunding Area Head of FinanceEstonia and COO of EstateGuru

Crowdfunding as a business model has proved itself over the ten years it has existed; the sector is growing rapidly and adding value to the economy. According to a study conducted at the University of Cambridge, Estonia is among the top countries in Europe ranked in terms of per capita volume of alternative funding. Our goal is to become leaders in this field also in terms of quality, stability and technological innovation.

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Problematic Loan Portfolio overview

The new year is now in full swing and here is our first Problematic Loan Portfolio Overview of 2020.  Besides statistics for Q4, it also contains some important updates from the previous month. To date, crowdfunding has been able to operate in conditions of economic growth and no major crisis has yet occurred. However, by now the first platforms in Europe have gone bankrupt, the first investor money has been lost, and in the last few weeks, the first scams have emerged. So, it’s even more important to be aware of all the accompanying risks when investing and to exercise extra caution by carrying out diligent pre-analysis of the platforms and projects you choose when deciding to invest.

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Where to invest in 2020?

The new decade is upon us, and if you’re looking to change your financial outlook and secure future prosperity, there’s no time like right now to start investing. There are many asset classes to follow when choosing where to invest in 2020.

The key to building wealth and achieving financial security is to invest money wisely, but with so many options available, many people find themselves overwhelmed and end up opting for what they perceive as safe, traditional methods like retirement funds and savings accounts.

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Understanding stage loans and cumulative loan to value (LTV) ratios

One of the most frequent questions we get asked by investors is how EstateGuru approaches stage loans and what influence this has on the loan to value ratio (LTV) of a project.

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Understanding debt ranking and loan security.

EstateGuru loans are backed with real estate and in general with 1st rank mortgage. When you make the decision to invest in debt or loans, it is vital to understand the risks and be aware of how the security issued against your investment will function should something go wrong.

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