## Review Intro ## In 2017 I started to look around for real estate crowdinvesting/crowdfunding platforms. I had practice with **Real Estate** investment funds and REIT ETF, but they usually consist of stocks of real-estate related companies and thus their market price **correlate with stock market** in general. [![Join CrowdEstate and start investing][1]][8] First platform I found which looked promising was [CrowdEstate][3], Estonian based crowdfunding platform focusing on real estate projects (participation on developer projects and mortgage loans). Note: *After some time, they added also "corporate finance" investment type which doesn't fit in originally aimed assets, but if you want to invest only in real estate projects, you can just ignore corporate finance opportunities.* Unlike [Housers (see review)][4], they focus on both residential and commercial developer projects in Baltic region (mainy Estonia, Finland and Latvia). They also provide review for each investment opportunity and rating to help you decide whether to invest in. Expected rate of return is >10% on most projects. ## Key characteristics ## - Types of assets - **Development** (Loan/shares in real estate developer projects) - Mortgage loan - Corporate finance - Registration: free - Autoinvest: yes - Registration Bonus: no - Minimum investment: 100 € - Money deposit by - Bank transfer - [Statistics][5] ---------- ## SWOT Analysis ## ### Strengths ### - Real Estate assets in Baltic region with strong potential - Lot of large developer projects - Minimum investment of 100€ per project support diversification even for smaller portfolios - Crowdestate rating and reviews are quite comprehensive ### Weaknesses ### - Few projects (1-3 per month, but increasing, see [statistics][6]) - Slightly worse User experience of web application - Focus mainly on one type of asset - development projects ### Opportunities ### - High expected return rate (also real return rate of already Exited investment opportunities) when compared to similar platforms - Possibility to invest in real estate assets in progressive Baltic region ### Threats ### - Potential cyber attack on Crowdestate system (not sure how secure the system is) - Potential bankrupcy of the Crowdestate company (not sure, what would happen to the signed contracts) ---------- #### Screenshots from Application Dashboard #### Portfolio with list of all opportunities invested in. ![enter image description here][7] [1]: https://i.trackmytarget.com/x8212f [2]: https://hwmfog.db.files.1drv.com/y4mhWDU5WGyUnWl0tOXNgpPDjfpDXbq2gZuWUExiG5tXiMxVapk_FvyusLDXpFU5_2AtURrfzH7tJ5WLI4eLlH-5adWzo_vLcWseI4dS3yGWEa8uCYqVnBB4sxvLcqFDBzl1gXhdZ4VbplfgB2km2OTFa7pDEMNibgUf1DrCQZ5uHye2G7zQH5S4jg2HQk1MSeWrL4jyIRc9UomjkuQcivXGA?width=256&height=102&cropmode=none [3]: https://c.trackmytarget.com/eru7zs [4]: https://www.crowdinvestingforum.eu/d/1-review-housers-real-estate-crowdfunding-platform [5]: https://crowdestate.eu/statistics [6]: https://crowdestate.eu/statistics [7]: https://hwmeog.db.files.1drv.com/y4m0HjrI8c7DXaFmfylGQtfM5P4xdWtYKJSKJCUpAt1zLQ773MfQBH4V1goTJBszS6u49AkXzjS0b9OzYd_0T5WQQ6VUB8GIwMribP2Ze0LDL_W0IlpBmMfjy8T8F20likzf363O6U4dQUU1rrQN0tGYblLtA3bTIsAYfgUlidYFjQhhsZYziqlz6i-V4Oj-m3RhHbHnu8SoDo6VPhv7GIwJw?width=998&height=877&cropmode=none [8]: https://c.trackmytarget.com/x8212f

After some time I would like to show you the **return rate (13.48%)** I achieved after year of investing through [CrowdEstate][2]. I sold some of the investments via secondary market to check also that functionality (It was quite fast, I was able to sold 4 of my investments in 8 hours with only a small discount). ![Ended investments in CrowdEstate][1] [1]: https://iwkgrw.db.files.1drv.com/y4mvWyzyhT6_W-Zuo62OOnKHc580xwOQG6zXGLCIbhk_hnDuQk4ay73lT6ohGpFz7-_GlVnCr62DLoIqKQN5-DoP3-cT5jDJ1sDo7Wl6TqKO0OzJcF6sLnleYzKeARuUDLrVpBkxJbXvnckfRbF-jKzHeh6ruyNTxHq4E5NOdDWaNEQzufczL-CZPWRM8c_WHvODL1HLhc2OWGayjj9r8HysA?width=1073&height=829&cropmode=none [2]: https://c.trackmytarget.com/eru7zs

@"MartynasMakelis"#p63 Hi, I withdrew around 1000€ a few months ago and money appeared on my bank account the next business day or so. I made a screenshot for you from Crowdestate and by internetbanking web app. I made some withdrawals (835 euro) on 18th September 2018: ![Crowdestate withdrawals screenshot][1] and it appeared on my bank account the same day (my IB doesn't show exact times): ![Crowdestate incoming funds same day][2] [1]: https://iakbrw.bn.files.1drv.com/y4mG6X5wEDCqHvdVSZhJ1NVpovapo5Xpl1JNx9CnuJg2uJsqN4EdrUlgQ5-17cxa_IgwAJkxxw-k0nsamCWNE39Rzm_8mY8Skd9Zyliw7WPWlPoXKqi27ZFXjDCwpGpeqkYwV2vVh7EckIPawhg6UIfaWp1Icqr9m-zLL1KBc4H2u1oYV4tTp38HtNUvf8nJN5nIct-Zm3XNH1FGcf-pzJcoA?width=1120&height=542&cropmode=none [2]: https://iakarw.bn.files.1drv.com/y4mwLwaNKbh08LSWH7vN1GfdPiqwiB23JMV1j8FUVh-t-MHrsEzVeH_4JBUqW9IlbGEka8yhIWFWRCd9zK_-P3J3cUtNDEI0g1eR9mHWdpT8kVX9uAwi9suF3_2KKK2vE9f57d91b1VIcGLAyVVbG-rmq2D1jGd54kbwl6H4u5-lEPGji-t4zLbO3wmsxRH421oxmDqn8M2h0FMoYcgW6-Rpw?width=899&height=445&cropmode=none

We are exclusive agent to direct providers of Fresh Cut BG, SBLC, MTN Bonds, Bank draft and Loans which we have specifically for lease. We do not have any broker chain in this offer or get involved in Chauffer driven offers. We deliver with time and precision as set forth in the agreement. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. DESCRIPTION OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A) 2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD) . 3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Leasing Price: 3% of Face Value plus 2% commission fees to brokers. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days. The Leased Instruments includes: BG’ s, Insurance Guarantees, MTN, ( SBLC) Standby Letters of Credit and Third Party Guarantees such as a standby forward commitment to purchase or a standby loan. If you are a potential Investor or Principle looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with all the details regarding this services. Our BG/ SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding. BROKERS ARE WELCOME & 100% PROTECTED!!! We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. Regards Contact: Mr Jogesh Chandra Jerath Email :jchandra.capitalfinance@gmail.com Skype :jchandra.capitalfinance@gmail.com

Review - CrowdEstate - Estonian Real Estate Crowdfunding platform

Lukas

Review Intro

In 2017 I started to look around for real estate crowdinvesting/crowdfunding platforms. I had practice with Real Estate investment funds and REIT ETF, but they usually consist of stocks of real-estate related companies and thus their market price correlate with stock market in general.

First platform I found which looked promising was CrowdEstate, Estonian based crowdfunding platform focusing on real estate projects (participation on developer projects and mortgage loans).
Note: After some time, they added also "corporate finance" investment type which doesn't fit in originally aimed assets, but if you want to invest only in real estate projects, you can just ignore corporate finance opportunities.

Unlike Housers (see review), they focus on both residential and commercial developer projects in Baltic region (mainy Estonia, Finland and Latvia). They also provide review for each investment opportunity and rating to help you decide whether to invest in.
Expected rate of return is >10% on most projects.

Key characteristics

Types of assets
- Development (Loan/shares in real estate developer projects)
- Mortgage loan
- Corporate finance
Registration: free
Autoinvest: yes
Registration Bonus: no
Minimum investment: 100 €
Money deposit by
- Bank transfer
Statistics

SWOT Analysis

Strengths

Real Estate assets in Baltic region with strong potential
Lot of large developer projects
Minimum investment of 100€ per project support diversification even for smaller portfolios
Crowdestate rating and reviews are quite comprehensive

Weaknesses

Few projects (1-3 per month, but increasing, see statistics)
Slightly worse User experience of web application
Focus mainly on one type of asset - development projects

Opportunities

High expected return rate (also real return rate of already Exited investment opportunities) when compared to similar platforms
Possibility to invest in real estate assets in progressive Baltic region

Threats

Potential cyber attack on Crowdestate system (not sure how secure the system is)
Potential bankrupcy of the Crowdestate company (not sure, what would happen to the signed contracts)

Screenshots from Application Dashboard

Portfolio with list of all opportunities invested in.
enter image description here

Lukas

CrowdEstate is expanding! Now they are entering Italian real estate market.

Based on the success in the Baltic area, we have brought Crowdestate to a new market: Italy. You have now the opportunity to invest in a market which is experiencing a perfect moment for real estate.

Source: Crowdestate Blog

Lukas

After some time I would like to show you the return rate (13.48%) I achieved after year of investing through CrowdEstate.
I sold some of the investments via secondary market to check also that functionality (It was quite fast, I was able to sold 4 of my investments in 8 hours with only a small discount).

Ended investments in CrowdEstate

MartynasMakelis

Hi Lukas,

how does withdrawal went?

Lukas

MartynasMakelis Hi, I withdrew around 1000€ a few months ago and money appeared on my bank account the next business day or so.

I made a screenshot for you from Crowdestate and by internetbanking web app.

I made some withdrawals (835 euro) on 18th September 2018:
Crowdestate withdrawals screenshot

and it appeared on my bank account the same day (my IB doesn't show exact times):
Crowdestate incoming funds same day

joe

I would appreciate if you share info about withdrawals and liquidity for each of your reviews at this forum.
For me its good to know
- how long does it take the withdrawn money to apper at one's bank account
- what is the minimal expected time (in days/weeks/months) to liquidate whole account
- what fees apply for withdrawals

Lukas

joe Hi, OK, I made 3 withdrawals during the weekend and I received money on my bank account from Bondora (Go&Grow) and Mintos on monday morning. I got email today from Twino, that they are processing my request.

I will write it to corresponding forum threads about these 3 P2P platforms.