Stock.estate is a new real estate crowdfunding platform, which will radically reshape the ways we are used to investing in real estate. 

Stock.estate is providing real estate investors with access to pre-vetted real estate investment opportunities and relevant background information. Also, the real estate companies or developers can raise flexibly structured and priced funding on Stock.estate.

Stock.estate ensures smooth investment and fundraising processes and facilitates the property management to enroll it in the commercial, residential or hospitality circuit to produce stable rental income.


What is Stock.estate?

Our team identifies and conducts research on real estate investment opportunities you can access.

Each crowdfunding campaign utilizes loan contracts, through which participating investors provide loans to the project developer, and the project developer repays the borrowed amounts to the investors, together with interest. Investors earn from the interest received from that campaign. 

We ensure that investors have access to complete, necessary, sufficient information to conduct their own risk analysis.

1. Registration and verify identity
After a simple registration, you will need to identify yourself due to Know Your Client-identity verification  (KYC) and Anti-Money Laundering (AML) procedures’ requirements, imposed by the regulators from the financial sector.

2. Invest the desired amount
Choose the desired campaign and click the “Invest” button. So make an investment in the desired campaign by clicking on the corresponding button, where you will be asked to indicate how much you want to invest.
The Investor expresses his interest in participating in the Fundraising at the time of placing the investment order, the participation being realized by granting a loan to the borrower in the amount indicated by the investor on the Platform.

3. Receipt of interest
You will receive interest from the project developer as per the provisions of the Loan Agreement. Interest on loans granted by project developers will also be displayed on the Platform for each Fundraising campaign.


How does the Platform work?

You earn an income from the interest which is regularly transferred to your bank account. The borrowed amount will also be repaid by the project developer, according to the repayment schedule attached to the Loan Agreement.

How do I earn?

Stock.estate gives you the opportunity to diversify your investments in commercial, residential and vacation rental properties.

What types of properties are available on your platform?

We run every property through a rigorous list of criteria and filters and select the best ones. A risk profile for every potential property includes:
- Liquidity Index of the property - how easy is it to sell this property, should it be necessary or profitable
- Vacancy Index - how easy is it to find a tenant
- Price Growth Expectation - the estimated price growth of a property of this type in this area.


All target projects are carefully considered, selected and evaluated by our team. If we see problems with their experience and how they approach the business or the real estate project is not a good opportunity for Stock.estate investor’s community, we delay or refuse to list these projects.

How does Stock.estate select properties?

Stock.estate is a crowdfunding platform providing real estate investors access to different investment opportunities which might not be available to them alone.

Additionally, Stock.estate provides a great way to diversify your investments. We regularly open new projects out of which each investor can choose the most suitable ones to invest in.

Stock.estate provides a platform that fully digitalizes all processes related to the investment, so there is no need to show up physically, and Stock.estate will facilitate the property management to make the real estate property profitable as soon as possible.

Why should I invest in real estate through Stock.estate?

Stock.estate publishes  regularly different real estate projects for investment opportunities with different risk profiles, time horizons and expected returns.

Each Stock.estate Platform’s member is free to decide what kind of investment opportunities are the best suited to his investment objectives, investment horizon, and risk tolerance.


How should I pick a specific investment opportunity?

Stock.estate platform allows everybody to invest, who is older than 18 years old whose active legal capacity is not restricted. To proceed to the investment stage, you need to have verified your identity and from an AML perspective.

Who can become a Stock.estate investor?

It is not mandatory to be in Romania to invest in the active campaigns on Stock.estate. To invest, you must be at least 18 years old, be registered on the platform, and sign (digitally) the investment documents in the appropriate time frame. If you wish to place an investment as a legal person, it must already be set up at the time of the investment.

Can I invest from outside the country? Should I be in Romania?

You will be asked to answer a few questions so that you can be classified as a sophisticated or unsophisticated investor.

A sophisticated investor is an investor who understands the risks associated with real estate investments and has the appropriate financial resources so that it can take on these risks without exposing itself to adverse economic consequences.

If you do not meet these conditions, then you are categorized as a non-sophisticated investor. Non-sophisticated investors are advised to consider investing less than 10% of the annual net gain in financial instruments.


Why do I have to choose an investor profile? What does a sophisticated investor mean?

The legal structure  involves a loan contract signed by:
a)	the investor
b)	the project developer
c)	Stockestate Crowdfunding SRL, the owner of the platform from where all users choose the projects in which they wish to invest.

Therefore, there will be a direct legal relationship between the investor and the project developer represented by the loan agreement from which the investor's receivable against the project developer will arise.

In the event that something happens to Stock.estate, the investments of the Platform’s members will not be affected.

What is the legal structure used in relation to the investments?

You should be a registered user to gain access to our investment opportunities. Before investing, you are expected to provide us with the necessary information and confirmations required by the law.

After reviewing a Fundraising campaign, you can decide to make an investment in the real estate project by clicking on the appropriate button, where you will be asked to indicate how much you want to invest.

The Investor expresses his interest in participating in the Fundraising at the time of placing the investment order, the participation being realized by granting a loan to the borrower in the amount indicated on the Platform.

The investment consists in the granting of a loan by the investor (lender) in favor of the project developer (borrower) in the amount indicated by the investor on the Platform, and later the investor will be reimbursed by the project developer for the borrowed amount and interest.

You have, as an investor, at disposal a reflection period of four (4) calendar days from the moment of submitting the investment order  during which you can be able to revoke your expression of interest to participate in the Fundraising without penalty and with no obligation to provide a justification.

In case that the Fundraising campaign does not reach the established target by the end of the campaign (irrespective of the reason), the amount transferred by the Investor will be returned in full to the Investor.

Please review investment opportunities before making any investment decisions. Stock.estate’s investment opportunities are of different length, risk profile and return expectations. Please consider the suitability of any investment opportunity to your personal risk tolerance and investment horizon. If the available opportunity does not match with your preferences, please do not invest in it. We are regularly adding new real estate investment opportunities and in time you will find a suitable one.


How do I invest?

The minimum amount of any single investment starts from 100 euro. The maximum amount of the investment must not exceed 10% of Your net income and it cannot be more than 30.000 euros in a single campaign.

What is the minimum and maximum amount I can invest?

The borrowed amount will be transferred by the Investor to the project developer by using the services of a payment service provider (an electronic money issuing institution, entitled to provide payment services on the territory of Romania, whose identity will be communicated to investors within the Platform by Stock.estate). For the avoidance of doubt, Stock. Estate will not take possession of the funds transferred by the investor to the project developer.

How do I transfer funds to my chosen investment opportunity?

Investors' money will be transferred to the project developer by the investor using the services of the payment service provider.

If the Fundraising campaign does not reach the set target level by the end of the campaign (regardless of the reason), the amount transferred by the Investor will be returned to him.


Where is the investors' money held?

The duration of each funding period is set within the investment opportunity and differs in every case. If the total investment amount is not reached, the investment opportunity will be removed from Stock.estate platform and the funds will be returned to the investors. 

How long is the funding period for each investment opportunity?

Once the loan has been granted to the project developer, the latter will transfer to the investor's account the interests mentioned in the Repayment Schedule and will also repay the principal, in the rates and terms indicated in the Repayment Schedule.

Stock.estate will facilitate the management of the real estate to introduce it into the commercial residential or hotel circuit, to produce stable rental income. You will receive interest and principal payments from the rental income; you will be able to sell the receivable from the loan agreement to a third party if you want immediate liquidity.


What happens after making an investment?

The Investor has at disposal a reflection period of four (4) calendar days from the moment of placing the investment order during which the Investor is able to revoke his/her expression of interest to participate in the Fundraising without penalty and with no obligation to provide a justification. The request to revoke the offer should be sent to the email address team@stock.estate.

How can I withdraw my investment?

You can earn money from real estate investments from the interest you receive from the project developer. Real estate investments have different returns, depending on the interest rates mentioned on the Platform and in the loan contracts.

All investment decisions made by Stock.estate members should be based on personal opinions and preferences.
Generally, the earnings from the rental are paid by the project developers as interest to the investors.


What are the expected returns on my real estate investments?

You do not need to do anything to earn interest, it will be paid under the loan agreement concluded on the Platform with the project developer, according to the Repayment Schedule. You will receive interest from the rental income paid by the developer directly into your bank account.

You can track all the amounts you have earned from the real estate projects you have invested in in your platform user profile.

How do I get interest?

The investor can transfer his receivable arising from the loan granted to the project developer to any third party by concluding a receivable assignment contract (privately signed deed concluded between the investor and the third party).

How do I sell my receivables against the project developer?

The crowdfunding platform operates under STOCKESTATE CROWDFUNDING S.R.L.

What is the legal entity under which Stock.Estate operates?

STOCKESTATE CROWDFUNDING S.R.L. is incorporated under Romanian jurisdiction. We are following all the laws and regulations, which are applicable to the activity of Stock.estate in Romania.

Which jurisdiction does Stock.estate fall under?

STOCKESTATE CROWDFUNDING S.R.L. is in the process of being authorized by the Financial Supervisory Authority (ASF) to obtain the authorization of a crowdfunding service provider.

Is Stock.estate a regulated crowdfunding institution?

Profile verification is needed for ‘Know Your Customer’ (KYC) and ‘Anti Money Laundering’ (AML) procedures purposes as required by the applicable legal provisions, to start making investments on the platform. Once your profile has been verified, you can start investing.

Once the Stock.estate has verified your profile, we will send you a notification email regarding successful verification. You can also see it on the website under the ‘Profile’ page.


Why does a user need to go through an identity verification process to invest on Stock.estate?

All Stock.estate’s obligations towards its members are defined in the ‘’Terms and Conditions’’ and in the agreements concluded by Stock.estate with the investors and project developers.

Stock.estate makes every effort to ensure the information on each published investment opportunity would be accurate, specific and adequate.

Stock.estate compiles regularly investment reports on each funded project and communicates them to the investors.


What is Stock.estate's obligations towards its members?

Stock.estate’s members are obliged to provide accurate and up to date personal and contact information and be able to prove the origin of invested funds. Members are obliged to read, get acquainted with the contracts he/she is going to sign.

As investors, Stock.estate members are expected to make independent and prudent investment decisions.


What are my obligations as a Stock.estate member?

Stock.estate charges:
- 4% of the fundraising value from the project developer.
- 10% of the total interest gains from the investor. 

How much is Stock.estate charging me?

You must pay taxes according to the legal regulations. Please contact your tax consultant for detailed information.

Do I have to pay taxes on profits earned from interests?

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.

What kind of investment risks do I have?

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.

What happens if Stock.estate goes bankrupt or out of business?

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.

How can I lower the risk?

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.

Risks warnings

All investments involve risks, including loss of invested capital, lack of liquidity, and non-reimbursement on loans, partially or integrally. It is an appropriate investment only for investors able to assess and bear the risks presented above. Before investing, please read the risks of investments warning, and also all the clauses of the loan agreement, which will be provided to you for the campaign in question.  Stock.estate Platform is not responsible for the information provided by the project developers, even if it is provided by or through Stock.estate. Stock.estate does not provide you any other advisory services. The decision to invest is entirely yours. We recommend that you consult specialized advisers if you need support in evaluating your investment decision. The messages and documentation you receive from Stock.estate or project developers have not been verified or approved by Romanian or European authorities.


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