Invest in fixed-rate loans that finance European property projects.

Assessing a real estate loan involves reviewing the developer, its financial position and experience, the project’s business plan, intended use of funds, repayment sources and any security arrangements. Property value, location, market conditions and the development stage also matter.

Use the campaign’s Key Investment Information Sheet (KIIS) and supporting documents to see the information available for that project. The platform’s required checks do not replace your own assessment and do not guarantee that all risks have been identified or that the loan will be repaid.

If a campaign is not funded, the return of committed funds follows the campaign terms and cancellation process. Check the campaign notice and your account transactions for the amount and status. Any additional compensation or promotional reward applies only where the campaign or offer terms expressly provide for it. Contact support if a returned amount is missing or unclear.

Yes. STOCKESTATE CROWDFUNDING S.R.L. is authorized by Romania’s Financial Supervisory Authority (ASF) under number PJR28FSFPR/400002, dated 29 August 2023.

It is listed in the European Securities and Markets Authority (ESMA) register, with cross-border services registered for the other EU member states, including Italy. ASF is the home-state supervisory authority; cross-border registration is not a separate Italian license.

Authorization of the platform does not mean that a regulator has approved an individual project or guaranteed an investment.

Your capital is at risk. You may lose some or all of the money invested if a borrower cannot meet its obligations.

Security arrangements, where provided, differ by campaign and do not guarantee recovery. Read the Key Investment Information Sheet (KIIS), loan agreement and security documents to assess the borrower, project and enforcement risks. Diversifying across campaigns can reduce concentration risk, but cannot eliminate losses.

Security arrangements differ by campaign. Read the project’s KIIS and legal documents to identify any mortgage, pledge, personal guarantee or other security and its scope. Security can be insufficient and enforcement can take time and incur costs; it does not guarantee that principal or interest will be recovered.

The campaign calculator shows the annual rate applicable to your proposed investment and an estimate of payments under the campaign terms. A headline maximum is not the rate every investor receives. Progressive rates depend on amount, applicable tier and eligible timing, and are fixed in the signed agreement. Applicable fees and withholding affect net payments. Returns and repayment dates are not guaranteed.

Sending a bank transfer before a campaign closes does not guarantee that your investment will be completed or that capacity will be reserved. The funds must be received and available, and you must complete the investment steps while the campaign accepts investments. Contact support with the transfer reference if needed, but do not send the money again while the first transfer is unresolved.

A commercial company-information website may not contain every filing or the latest information. Its coverage is not evidence that a company has or has not met its reporting obligations.

When assessing stock.estate, use official company filings and regulatory records rather than relying only on an aggregator. You can request the relevant financial-report information from team@stock.estate. Assess the project developer separately using the campaign documents: the platform’s authorization does not guarantee either company’s financial performance.

A developer may seek crowdfunding to meet a project’s financing needs, diversify funding sources or obtain terms suited to a particular stage of development.

The reasons, timing and costs vary by borrower and project. Review the campaign’s use of funds, financing structure and repayment sources rather than assuming that crowdfunding is always faster than a bank loan or that access to bank financing has been established.

There is no single withholding rate for every stock.estate investment. Campaigns can use different calculation models, including legacy models, but all remain subject to applicable law.

For campaigns using a treaty schedule, withholding is calculated using the project country, investor tax residence, investor type and applicable schedule. The campaign calculator provides an estimate; payment records show the actual withholding. Applicable inputs can change before a future payment.

Tax-residency certificates may require review, but a missing or unapproved certificate does not block investing. Uploading one does not automatically change every investment’s withholding or guarantee a refund. You may also have reporting or tax obligations in your country of residence.