General

stock.estate connects investors with developers seeking funding for real estate projects. Your investment is a loan to the project developer, with interest and principal due under the signed loan agreement and repayment schedule.

You can browse published campaigns before creating an account. To invest, register and complete the required identity, profile and investor assessments. Then review the campaign’s Key Investment Information Sheet (KIIS), risks and agreement, select an amount, and complete the funding and signing steps.

Payments depend on the borrower meeting its obligations. Platform checks do not guarantee the project’s success or your return.

Real estate projects can involve residential, commercial, holiday or rental properties. The mix of campaigns available on stock.estate changes over time.

Read each campaign’s description and Key Investment Information Sheet (KIIS) to understand the property, development stage, use of funds and risks. Investing through a loan does not itself give you ownership of the property.

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.

Compare each campaign’s repayment schedule, duration, borrower, security arrangements and risks with your investment objectives, investment horizon and capacity to absorb losses.

Read the Key Investment Information Sheet (KIIS) and loan agreement before deciding. A higher advertised return should not be the only reason to choose a project, and diversification cannot eliminate the risk of loss.

Individual investors must be at least 18 years old and have the legal capacity to enter into the investment agreement. Companies may also apply through their authorized representatives.

Eligibility is subject to applicable country and compliance requirements. Before investing, you must complete the required account information, identity checks and investor assessments. Registration or identity approval alone does not mean that every investment step is complete.

You can apply online from abroad. stock.estate is listed in the ESMA register for cross-border services across the EU, but each applicant must still meet the applicable eligibility and compliance requirements.

Before investing, complete the required account, identity and investor-assessment steps and sign the relevant documents. Company investors must be legally established and act through an authorized representative. EU cross-border registration does not mean unrestricted eligibility worldwide.

Investor classification determines which protections and assessments apply to you. Sophisticated status is based on the criteria and procedures in the European Crowdfunding Regulation, including the relevant professional-client or Annex II eligibility route; understanding risk or selecting a label is not enough.

Investors who do not qualify are treated as non-sophisticated. Applicable protections include an entry knowledge assessment, a simulation of the ability to bear loss and a pre-contractual reflection period.

Crowdfunding can result in a total loss. You are advised not to invest more than 10% of your net worth in crowdfunding projects. Net worth is distinct from annual income; follow the definitions in the investor assessment.

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.

The returns are in EUR (Euro). Our financial transactions and returns are specifically related to the Euro currency.

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 referral reward is linked to a valid referral and the referred investor’s first successful investment, subject to the program’s conditions. Sending an invitation or creating an account does not by itself earn the reward.

Check the referral section of your account for the current reward amount and conditions. An awarded referral bonus is an investment bonus, not directly withdrawable cash. Use the available bonus balance and applicable investment rules to see when it can be used.

You choose which available campaigns to invest in and how much to commit within their limits. Review the agreement, fees, repayment schedule and risks before deciding.

Once an investment is committed, access to that money is limited by the applicable reflection period and loan terms. Early exit or transfer may not be available, and payments can be delayed or lost. Choosing your investment does not mean it can be withdrawn on demand.

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.

Higher interest rates can reflect greater borrower, project, country or liquidity risk, as well as the commercial terms of financing. A high rate does not establish that a loan is sustainable or that the developer can absorb delays.

Assess the developer’s financial position, total borrowing, project stage, repayment sources and any security in the Key Investment Information Sheet (KIIS) and supporting documents. General claims about inflation, property growth or developer margins are not a substitute for assessing the specific loan.

stock.estate’s ESMA registration lists cross-border services for the other EU member states. This supports access across the EU, but does not make every applicant automatically eligible.

Each investor must meet the applicable account, identity, compliance and investor-assessment requirements before investing. Your country of residence, personal or company circumstances and applicable restrictions may affect eligibility.

Each campaign sets its own minimum investment, which is shown in the campaign and calculator. The amount you can invest also depends on the funding capacity still available.

Check the displayed limits for the project you are considering; do not assume that a minimum shown on another campaign applies. A higher minimum does not make an investment safer or more suitable for you.

A reference to a “guaranteed” or secured project must be read in the context of its actual legal documents. Check what guarantee or collateral is provided, who provides it, which obligations it covers and its ranking and enforcement conditions. It does not mean that repayment or recovery is certain. Security differs between projects and countries.

Availability depends on the type of reward and its terms. Legacy campaign cashback follows the applicable campaign or offer conditions. Investment Credit, where activated and eligible, is earned after a successful investment but becomes spendable only when issued after campaign funding; issued credit has its own expiry. Check your account for the reward’s status and usable amount. Bonus or credit balances are not directly withdrawable cash.

No. Cashback applies only where the campaign or offer terms provide for it. A campaign advertising an “up to” annual rate does not by itself offer cashback. On Progressive Interest campaigns, eligible amount, tier and early-bird benefits form part of the annual rate fixed in your signed agreement. Referral rewards and Investment Credit, when offered, have separate eligibility and usage rules.