Browse Author: Triin Jõeleht

How to find funding for a real estate project?

Every year, the World Bank benchmarks all economies based on how easy it is to do business in any given country.

As demonstrated in this article, doing business, dealing with construction permits & registering property is very easy in the Baltic nation of Estonia. Getting credit on the other hand is much more complicated. This is where Peer-2-Peer lending comes into play. EstateGuru’s mission is to bridge the gap and make property business in Estonia as easy and smooth as possible. EstateGuru offers borrowers the opportunity to utilize from their great business opportunities AND lenders a safe option to invest in property.

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New Feature – Shared Accounts

EstateGuru is all about making investing more convenient and transparent for the investors. Thereby, complying to the investors’ wishes we have implemented a new „Shared account“ feature which allows investors to unite their EstateGuru accounts to others for a variety of purposes.

Many investors have expressed the wish to provide access to their accounts for third parties who would be able to either see their investments’ performance or download the reports. Therefore, EstateGuru created the „shared account“ functionality which enables the investors to do just that! For an example, the investors may now allow access to their bookkeepers who can easily reach the necessary financial data.

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What happens when a borrower defaults?

It doesn’t happen often, but at times there are few circumstances when P2P loans default. Here’s an explanation of what happens.

Sadly not all business plans work out, it’s a factor of life. Here at EstateGuru, as of today we have managed to keep the default rate at a steady level of 0%. This is because EstateGuru prides itself on two areas of focus:

  1. Thorough due diligence of each investment opportunity
  2. High transparency when guiding investors with P2P lending opportunities

This rigorous examination of business plans, security and viability combined with our investor guidance principles not only provides historically greater returns; but more importantly minimises losses to P2P lenders if they occur.

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Debt vs Equity Investments – Which is Better?

While debt and equity investments can both potentially deliver good returns, there are differences that may make one more appealing to you than the other.

Most investments can be categorised as either debt investments or equity investments. In an equity investment, you buy an asset and your profit is related to the performance of that asset.

In a debt investment, you loan money to a person, a business, or a government institution. With a debt investment, your profit is not directly related to the performance of the borrower. Continue Reading