Opiniones de Estateguru

llevo con 2 proyectos de 1000 euros cada uno en default desde el 2022, ya algo mas de 3 años y no hacen nada, si lo intentas vender en el mercado secundario, además de que nadie los quiere, ellos se llevan una comisión, encima que no hacen su trabajo intentas obtener parte de lo que invertiste y se llevan comisión. Estoy deseando que se acabe esta pesadilla y no volver a invertir. O cambian o no tendrán clientes.

Lo peor que hay en P2P investing, no solo que la gran mayoria de proyectos estan en default, lo poquito que se recupera te los quitan mediante FEE de INACTIVIDAD, si eres nuevo por favor alejate de este proyecto.

Unos chorizos. No recupero el dinero de la mayoría de las inversiones, y encima, me cobran 50 euros al mes por no invertir o no retirar mis ganancias. Un timo con un look&feel muy bonito.

Cuando miré esto de la inversión P2P me parecía la mejor opción, al invertir en Real Estate que es teóricamente más sólido que la inversión en préstamos rápidos. La realidad es que a día de hoy no compensa. Antes de que tomase la decisión de cerrar mi posición tenía un 65% de Default de todos mis préstamos, lo cual es inaceptable. A día de hoy aún tengo préstamos de 2020-21-22 que eran "seguros" en Default y de los que no he visto nada.

Varias de mis inversiones se encuentra en recuperación durante meses e incluso más de un año. A pesar de estar en Primer Rango en la clasificación hipotecaria. Al ponerme en contacto la respuesta siempre es la misma que quede en espera. Sin embargo, es inaceptable que la mayoría de las inversiones no devuelva el dinero y se quede tanto tiempo en recuperación.

Confirmo todo lo que dicen mis compañeros, eran los mejores y ahora son una vergüenza, una estafa. Ponen muchas comisiones siendo que ya tienes dinero pillado. He vendido en el mercado secundario lo que he podido y el resto que se pudra..... Contestando a vuestra respuesta, primero 1 euro de retirada, luego a 3 euros. De 0 comisiones a 10 euros de golpe por inactividad de la cuenta. Retirar dinero es actividad y no gratis. Os envié un correo antes y no recibí contestación. Miren. Los que tenemos proyectos parados por un valor muy alto no teníamos ni si quiera pagar estás comisiones y os digo más. Es muy normal y lícito que ya no se confíe en una plataforma cuando te hacen este tipo de cosas, si quiero desinvertir lo hago y no tenéis el por qué poner las cosas tan difíciles. Se os tendría que poner la cara de vergüenza cobrar comisiones a los que estamos muchos años y tenemos mucho dinero sin cobrar, y a saber cuando se cobrará. Por eso aviso a toda la gente que ya no sois de fiar. A ver ahora por dónde salís... Os he desmontado el discurso. Gracias.

Una estafa ya que todas mis inversiones llevan paradas 2 años!! y mi cuenta la han puesto como inactiva... para conseguir algo del dinero invertido y no perderlo todo vendo en el mercado secundario, logré vender uno! y a la semana me quitan el dinero por ser una cuenta inactiva!!! ESTAFADORES

Se han quedado con mi dinero.

Empecé hace años aquí. Cuando todavía funcionaba bien. Luego se metieron en el mercado alemán y llevo más del 75% de mi cartera en default. Créditos con esperas de más de 2 años y medio sin ver un duro. Perdidas de miles de euros. Horrible.

Una estrella porqué no se pueden poner negativas. Me sumo al resto de compañeros, soy un afectado más. Llevo para 5 años ya con el famoso "in recovery". No hay manera de vender en el mercado secundario y el servicio de soporte apesta, siempre es la misma basura, que están trabajando en ello, que paciencia, que lleva su tiempo... vomitivo. No le recomendaría Estateguru ni a mi peor enemigo. Ojalá alguien intervenga a esta plataforma que cada día huele mas a estafa piramidal.

ESTAFA !NO invertir nada Aqui !!!

Lamentable todo

Empecé a meter dinero en torno a 2022, y como cada inversión me pagaba algo al mes, pues me animó a meter bastante. Al año casi todas las inversiones dejaron de dar y el 90% entró en default. Es decir, no te pagan nada, ni intereses... 2 años más tarde lo poquísimo que me han devuelto lo he ido retirando y ya ni eso, porque han puesto una comisión de 3 euros por movimiento y 50 al mes, de forma q si me devolvieran algo, que va a ser q no, se lo quede la página. Ni se te ocurra meter aquí nada, son unos ladrones como no he visto...6 mil euros perdidos

No sé cómo hacen la selección de proyectos, pero se les cuelan algunos que no pagan. Y después años esperando supuestos trámites legales para ver si se recupera algo. Un par de esos se te comen las ganancias. No es fiable.

Es un timo , tengo una pequeña Cantidad que se reinvierte automáticamente , por lo que no puedo recuperarla. Las supuestas ganancias tras tres años? Papel mojado, supuestamente 30 y pico euros, pero que no me dejaban sacar ni invertir, y tras un tiempo me han penalizado por no invertir más y me las han quitado. Ha día de hoy no puedo recuperar ni mi inversión inicial, y lo más triste es que se sigue permitiendo a estos timadores seguir operando

Hello. I curse the hour I started watching the youtuber Adrian Saenz, 3 years ago, where he talked about the money he had coming in. In those posts he mentioned with great enthusiasm these scammers from EstateGuru. Now I have more than 60 thousand euros frozen for more than 3 years and without any probability, in sight, that they will return it to me. The last answer (a week ago) is that it can take up to 5 more years. Please, if anyone knows a law firm that could recommend me, to file a lawsuit against these scammers, I would appreciate it. And if anyone wants to join me, the case would be more compelling. Thank you. Maldigo la hora en que me puse a ver al youtuber Adrian Saenz, hace 3 años, donde hablaba de las entradas que tenia de dinero. En dichas entradas mencionaba con mucho ahínco a estos embaucadores de EstateGuru. Ahora tengo mas de 60 mil euros paralizados por mas de 3 años y sin ninguna probabilidad, a la vista de que me lo devuelvan. La ultima respuesta(hace una semana) es que puede tomar hasta 5 años mas. Por favor, si alguien conoce algún bufete de abogados, que pudiera recomendarme, para entablar una demanda contra estos estafadores, se lo agradecería. Y si alguien se quiere unir a mi, el caso seria mas contundente. Y por favor, traten de advertir a la gente , por todos lis medios posibles, de alejarse de Estate Guru sino quieren perder su dinero. Todo esos cuentos de que tu dinero esta garantizado con propiedades inmobiliarias es totalmente falso. Un abogado , por favor 911.

Lleva mis inversiones paradas 3 años, he pedido alguna solución para poder liquidar lo que tengo invertido, ya que dicen que si el proyecto no funciona te devuelven tu inversión. ¿A ti te la han devuelto? Porque a mí no. Ya como última opción pongo mis inversiones en el mercado secundario, recupero algo y me lo quitan porque llevo 24 meses inactiva la cuenta. COMO COJ**ES quiere que invierta si no me devolveis el dinero. Y me dicen que como siga sin invertir me cobran 50€/mes si no hago inversión QUÉ POCA VERGÜENZA!!!

Siam. Una estafa más

Vergonzoso. Estaba esperando dándoles un margen a ciertos proyectos, pero tengo 3/4 del portfolio en default y el resto los prolongan "prolongin" cada 3 meses para no tener que ponerlos en default, así por mas de un año algunos de ellos. Desde luego una atencion al cliente lamentable, ningun respeto a los inversores, información falsa, sesgada y engañosa en su blog....

Básicamente unos estafadores. Llevo varios años en la plataforma y el 95% de los proyectos están en default. Pésima gestión, no filtran y únicamente se dedican a financiar proyectos sin criterio. A esto súmale que lo poco que sobrevive de tu inversión te lo van quitando mensualmente bajo el concepto de "fees por inactividad", 50€ mensuales. Te envían un mensaje automático que siempre llega a la carpeta de Spam y no cumplen con la normativa de informar diligentemente al usuario. En definitiva, HUID DE ESTA PLATAFORMA. Todo lo que invirtáis lo vais a perder. saludos.

Creo que es la peor plataforma para inversión que hay hoy en día por sus condiciones abusivas. 10€ por lo que ellos consideran inactividad. Es decir, si no reinviertes en la plataforma te cargan 10€ MENSUALES que, además, no son reclamables una vez se cargan. Han pasado de 1€ de retiro a 3€ y claro, si quieres esperar a otro préstamo te van a cobrar los 10€ de inactividad. Como ejemplo, inversión en un proyecto de 50€ y, después del vencimiento (un año aproximadamente) me llegan a la cuenta 47€. Vamos, que la rentabilidad la pierdes y sólo ganan dinero ellos. Retirando todos los préstamos conforme venzan y a otra plataforma, que hay muchas y, sin duda, mejores. Eso si no entran en default, que tengo uno parado desde hace ya casi seis meses... En resumen: NO METAS NI UN DURO EN ESTATEGURU.

Creo que es la peor plataforma para inversión que hay hoy en día por sus condiciones abusivas. 10€ por lo que ellos consideran inactividad. Es decir, si no reinviertes en la plataforma te cargan 10€ MENSUALES que, además, no son reclamables una vez se cargan. Han pasado de 1€ de retiro a 3€ y claro, si quieres esperar a otro préstamo te van a cobrar los 10€ de inactividad. Como ejemplo, inversión en un proyecto de 50€ y, después del vencimiento (un año aproximadamente) me llegan a la cuenta 47€. Vamos, que la rentabilidad la pierdes y sólo ganan dinero ellos. Retirando todos los préstamos conforme venzan y a otra plataforma, que hay muchas y, sin duda, mejores. Eso si no entran en default, que tengo uno parado desde hace ya casi seis meses... En resumen: NO METAS NI UN DURO EN ESTATEGURU.

Comisiones abusivas: 10€ por inactividad 3€ por retirar tu dinero 3% por vender en el secundario Proyectos en "Default" prácticamente imposibles de recuperar, pésima atención al inversor.

Te Roban el dinero con comisiones me quitaron 50€ pues dicen que la cuenta esta inactiva cuando no lo es, es decir se van a ir quedando poco a poco 10€ de comisiones mensuales y aparte cuando retiras el dinero a tu cuenta otros 3 € de comisión de retirada. Estafa, no inviertan.

Al principio bien, luego empezaron a cambiar cosas, me lo vi venir y fui sacando el dinero. Hoy tengo 50€ en Default desde 14.10.2022. que tiene la pinta que se los van a quedar. es una pena que no se puedan poner estrellas negativas.

Roban su dinero con comisiones poco transparentes y te dejan el dinero en default y poco a poco te dicen que como tu cuenta esta inactiva se lo van a ir quedando. Estafa.

La página es una estafa piramidal de manual. Más o menos pagaban hasta que se cortó el flujo de entradas. Las garantías de los préstamos no se ejecutan. Llevo 3 años esperando por inversiones que están en ejecución de dicha garantía. Han subido las tasas de manera abusiva. 3 euros por retirar dinero y 50 euros al mes por no hacer inversiones. Unos auténticos estafadores. Lo que han conseguido es que la gente huya en desbanda. L 90 por cierto de mis inversiones, que son elevadas, llevan más de 3 años sin generar nada. Con esa publicidad...quien va a invertir??

OTRA ESTAFA DE UN LISTADO DE IMPAGOS INFINITOS Y SIN INFORMACIÓN DE COMO SE VAN A RECUPERAR

Doy la menor de las estrellas por que hay que poner algo. He perdido todo lo que tengo invertido. Y digo ya HE PERDIDO porque tengo retenido un dinero que no me han pagado y además de lo recuperado cada mes me roban 10 euros por no reinvertirlo. ¿Cómo lo voy a reinvertir si luego os lo quedáis? De verdad, la pero app para invertir, así llevo más de 1 año.

Llevo tres años desde que metí mi dinero en esta plataforma y no la recomiendo. He vendido los préstamos que he podido en el mercado secundario para poder retirar lo que queda de mi dinero y ahora no me deja sacarlo porque me da problemas con lo de la identificación. Me da que 1000 euros me han robado éstos sin vergüenzas.

Varios prestamos de 12 meses que ya llevan 30 meses de retraso, no recomiendo invertir aquí porque no ejecutan las garantías hipotecarias, conclusión no queda claro donde va tu dinero pero no vuelve.

No se la recomiendo a nadie; no hay garantía de devolución, no sé exactamente a qué nivel de riesgo está la inversión en esta plataforma pero ya te digo que es muy alto, tanto que la devolución del capital invertido depende básicamente de tu suerte. Ya van 3 años que llevo esperando que me devuelvan lo que me queda ( el resto de prestamos lo tuve que malvender en el mercado secundario) su famoso plan de recuperación nunca ha llegado a ejecutarse y aqui el único que sale perdiendo eres tú. Antes de fijarse en rentabilidad hay que estudiar la viabilidad de la inversión. Una lección que me llevo y que me costó mucho dinero. Espero no le pase a más gente.

Estafadores!!! ni se os ocurra hacer nada con ellos. Una cuadrilla de ladrones!

La mayoría de.préstamos In default durante años. Nada recomendable

Ingresé un poco de dinero para comprobar cómo va: ¡fatal! El préstamo en el que invertí me lo han devuelto, lo que no entiendo es a dónde se ha ido ese ¿11 %? que me prometieron en intereses: no he ganado nada. Quiero sacar todo mi dinero de la plataforma, me obligan a mandarles foto del DNI y un vídeo mío... ¿Para recibir el dinero no me lo exigisteis? Y encima me tienen pendiente de verificar mi cuenta bancaria... y, de nuevo, para recibir el dinero no pusisteis pegas, ¿¡eh!? Si pasa un mes con tu efectivo inactivo te quitan 10 euros (al año pasa a 50 al mes) y ahora te restan tres euros por retirada... Y seguramente se me haya olvidado alguna comisión absurda que explique qué ha ocurrido con el interés que no recibí del préstamo. Aviso a navegantes: no sé si va a evolucionar a estafa piramidal, pero dinero que entre, dadlo por perdido. En fin, tras leer los comentarios en este mes de que no te permite sacar tus ahorros, me temo lo peor.

Aconsejo no invertir para no perder casi todo tu capital. Acumulan préstamos fallidos a los que tardan en dar solución o simplemente entras en pérdidas.

Actualmente la Peor APP del Mercado. No solo tienen un % muy elevado de los fondos parados o en Default, sino que ahora cada mes si no estás atento te roban 10 euros en comisiones. Además te cobran 3 euros por sacar tu dinero. De verdad, no se me ocurre un trato peor a los inversores. 1 estrella ya que no hay posibilidad de poner 0 estrellas.

Todos los proyectos en los que invertí cayeron en default. Así que el el filtro que utilizan para elegir los proyectos es bastante pésimo. Del dinero que poco a poco fui generando por intereses, al llegar a 49 euros me lo quitaron por "inactividad". Mi cuenta estaba inactiva porque el mínimo para invertir es 50€ y tenía menos de 50 en la cuenta. Tras dos años sin poder recuperar el dinero invertido y me quitan lo poco de intereses que generó por "inactividad" solo puedo decir: ¡¡Huye de esta estafa!!

Estafa total,si recuperas algo se lo quedarán ellos en comisiones

Todas las inversiones en default desde hace meses. Si por casualidad consigues recuperar alguna y te despistas, te cobran 10€ por inactividad. Si retiras el dinero te cobran 3€. Que alguien me explique como se puede conseguir rentabilizar una inversión con estas políticas. ¡Absoluta estafa!

Tras varios años de inversión, todos los proyecto es los que he invertido se encuentran en default. Inviertes tal como indican con garantías y tras ello te retienen todo lo que tienes. Por otro lado, te cobran una comisión por inactividad de 10€/mes cuando lo que quiero es desvincularme de la empresa y recuperar mi dinero por no tener confianza en el proyecto. En mi caso tienen retenidos 800€, los cuales preveo se van a quedan con el 100% cobrando la comisión que aplican. No confiéis en la plataforma.

Tengo 2000 euros en defecto en 2 proyectos, uno desde el 2022 y otro desde el 2023. Ambos tenían garantías. Cuando preguntas no dicen nada salvo que toda inversión tiene un riesgo, encima si vendes algo en el mercado secundario perdiendo dinero se llevan además un 3%. A veces me pregunto si no hacen aposta el que tengas que vender en el mercado secundario perdiendo parte de tu inversión para que al que se lo has prestado lo compre más económico y encima estateguru se lleve el 3%. Desde luego no vuelvo a invertir.

Total estafa comprobada. Invertí en dos proyectos hace 2 años 50 euro cada uno. Los dos fracasaron por la mala gestión de esa empresa. Ahora me cobran 50 euro por inactividad...asi que se quedarán con los 100 euro. Enviado correo para pedir clasificaciones y ninguna respuesta Puro y duro scam...autoridades tendrían que actuar para que la gente no pierda dinero con estos ladrones.

Perfecto si quieres perder tu dinero

ATENCIÓN ESTAFA. Al invertir los proyectos pasan a default y te cobran una comisión por no invertir (como vas a invertir mas si todos los préstamos están impagados durante años) de ese modo se quedan con tu dinero. No puedes cerrar una cuenta con tu dinero dentro para evitar que te cobren por tener una cuenta sin operar. Es algo que otras estafas de Crowd ya han hecho ants poc antes de cerrar.

Llevo desde los inicios de Estateguru y esto cada vez va a peor. Tengo el 100% de mi cartera en default, un balance en mi cuenta de 9€ y pretenden cobrar 3€ por retirar dinero, el cual si no es retirado te cobran una comisión de 10€ mensuales. MUY MALA GESTIÓN. Nada que ver con lo que era incialmente.

Llevo más de año y medio con 6 prestamos en Alemania en default. No informan de actualizaciones ni de como evoluciona el reclamo. El dinero mejor en otra parte 7/5/25. Sigo sin recuperar mi dinero ni tengo noticias. No pongáis aquí vuestro dinero. Hay muchas opciones y empresas serias q no te toman el pelo como está gente.

Tal como dicen el resto de compañeros. Inversiones que van para 2 AÑOS en Default. ESTAFA

LLEVO 3 AÑOS ESPERANDO ALGÚN RETORONO... NO LA UTILICEN NO DEVUELVE EL DINERO TENGO 250€ DESDE 2021.....lo mismo que todos...

SCAM, RUN!!

Llevo dos años esperando que me devuelvan el dinero de varias inversiones que realice en estateguru y estan todos en default. Pasa el tiempo y nada de nada y ya me estoy cansando de que no vea ningun avance en mi dinero invertido. No lo recomiendo para nada.

Llevo mas de un año con la mitad de las inversiones en Default. Supuestamente estan tratando de recuperar el dinero pero en ningún momento me han dado ningun tipo de información. Mucho cuidado antes de invertir vuestro dinero en esta página. Empiezo a pensar que es todo una estafa piramidal que se esconde detrás de una bonita web. Si no recupero pronto mi dinero emprenderé acciones legales. Si Estateguru me devuelve mi dinero os lo haré saber por aqui.

He leído "estafa piramidal" y la verdad es que si que lo parece... Los últimos comentarios son bastante deprimentes a la vez que esclarecedores. De tres inversiones he tenido dos de ellas en default, con lo que hay un 66% de mi dinero que se ha esfumado de golpe. Y aun tienen la poca verguenza de colocarte un +11% de "annual return" porque es la rentabilidad de la única inversión que no se ha quedado en 0. Lo dicho, lamentable...

In default desde hace mas de 1 año, he mandado como 6 mails y siempre lo mismo, lo siento pero tal y cual ... si si pero y mi dinero, creo que no lo vere y son mas de 2000 euros. En fin lo veo un engaño, no deja retirar dinero!

He perdido el 80% de mi inversión, es decir, 2000€ La peor inversión que he hecho en mi vida

Mucho default, comisiones por retirar y comisiones por vender. Poca información de los procesos legales para recuperar tanto default.

Llevo 1 año y poco con ellos y el 90% de lo que inverti esta en retraso. Nada aconsejable

Des voleurs vendu mes investissements à moins 80% après 4 ans d'attente ils prennent encore des frais de retrait 3 EUROS et frais d'inactivité ...

Ganze fünf Kredite, in die ich vor fast fünf Jahren (!), im Jahr 2021, investiert habe, sind immer noch „in Sanierung“ bzw. Einholung. Mehr als die Hälfte meines insgesamt investieren Kapitals wurde mir bis heute noch nicht zurückgezahlt. Aufgrund dieser sehr negativen Erfahrungen, die ich mit Ihrer Investitionsplattform gemacht habe, wollte ich verständlicherweise keine neuen Investitionen tätigen. Dafür wurde ich mit einer Strafgebühr (sog. "Inaktivitätsgebühr") sanktioniert. Unverschämt, dreist und meiner Meinung nach Erpressung.

I invested in loan #2914 (Bridge Loan, Germany) in February 2021. After five years, I received €50.89 back on a €107 investment — a net return of -10.6%, with €70.76 written off. What concerned me most was not the loss itself but the way the loan was structured and managed: — The loan was marketed with an LTV of 27.8%. What was not clearly communicated is that €4.19 million in total was raised across multiple stages against the same property, making the real aggregate LTV significantly higher. — The collateral valuation of €6.3M was based on a fully renovated, fully occupied building. The property was 100% vacant and unrefurbished at the time of the loan. It sold at auction in 2025 for €2.1M. — Interest payments were months late with no early warning to investors. The loan was then extended and interest deferred, without investor input. — No construction progress updates were ever provided, despite construction being the stated loan purpose. — During the three-year recovery process, the property was partially stripped and damaged. No explanation of how this happened was provided. — A personal guarantee covering 25% of the mortgage remains unrecovered. I have filed a formal complaint with Finantsinspektsioon, the Estonian financial regulator that supervises Estateguru. I would encourage anyone considering investing on this platform to carefully review how aggregate LTV is disclosed across loan stages, and what protections exist if a borrower stops cooperating.

It's a scam - they claim your account is inactive and charge inactivity fee even though you withdrawed money as instructed

Dear Estateguru Team, I would like to express my profound disappointment regarding your recent update on the Development loan #7699 - 1.stage (Finland). Calling a situation where I lost more than half of my invested capital a "successful recovery" is an insult to my intelligence as an investor. There is absolutely nothing successful about this outcome. I have been investing with you for six years, and my experience has been a complete fiasco. Despite portfolio diversification, my 6-year return stands at a laughable 0.93%. I haven't even recovered my initial principal yet. Your ventures into the German and Finnish markets border on gross incompetence – do you even perform basic background checks on these borrowers? Furthermore, your fee structure is predatory. Charging investors for "successful loan repayments" (which should be the bare minimum standard) and a €3 withdrawal fee is unacceptable, especially given your abysmal performance. Instead of squeezing your existing investors, you should focus on replacing the incompetent staff responsible for risk assessment and due diligence. Also, replying to a long-term investor with a bot is a complete mockery and only confirms your lack of respect for your clients. It is clear that nobody even bothers to read emails. This automated approach, combined with your abysmal financial results, is exactly why your reputation is currently in freefall. I am losing all trust in your ability to manage my investments. P.S. Please spare me another vague, automated response - your actions speak louder than words (... as do your reviews).

Wenn es keinen Stern geben würde, würde ich auch einen Stern nicht geben. Ich bin Investor bei estateguru. Nachdem der Großteil der Investitionen "In Sanierung" ist, wird mein Konto auch noch mit 50 EUR wegen Inaktivität belastet. Es ist ein Hohn. In ein paar Monaten kommen von 10.000 EUR, die geblockt sind, ein paar Euro zusammen. Und dann wird noch auch hier Geld abgezwackt, weil man das Geld nicht rechtzeitig abgehoben hat oder nicht reinvestiert hat.Ich investiere nicht mehr in Portfolio und glaube an keine Werbung für neue Produkte von estateguru. Der Laden ist einfach nicht seriös.

Ich habe über Jahre in EstateGuru investiert und bin inzwischen extrem enttäuscht. Aus meiner Sicht hat die Plattform durch eigene Fehlbewertungen – insbesondere viel zu optimistische LTV-Einschätzungen – maßgeblich dazu beigetragen, dass Anleger heute auf hohen Ausfällen sitzen. Die Realität zeigt klar: Die Rückholquoten sind minimal, es kommen oft nur noch Kleckerbeträge zurück. Besonders problematisch ist der Umgang mit diesen Rückflüssen. Erhält man beispielsweise alle paar Monate einmal eine Rückzahlung von etwa 10 €, steht man faktisch vor einer absurden Wahl: Lässt man das Geld auf dem Konto, wird es bei fehlender Reinvestition durch Inaktivitätsgebühren wieder aufgezehrt. Hebt man die 10 € ab, werden direkt 3 € als sogenannte Servicegebühr einbehalten. Ein erheblicher Teil der ohnehin geringen Rückzahlung geht also sofort wieder verloren. Das führt dazu, dass Anleger praktisch gezwungen werden, das Geld auf der Plattform in neue Kredite zu investieren – selbst wenn das Vertrauen längst verloren gegangen ist. Für mich wirkt das so, als würden die Folgen eigener Fehlentwicklungen auf die Anleger abgewälzt und die wenigen verbleibenden Rückflüsse zusätzlich durch neue Gebühren entwertet. Aus meiner Sicht ist dieses Vorgehen hochgradig unseriös. Ich kann die Plattform nicht mehr empfehlen.

Thousands in euros in defaulted loans in Germany since 2022. Communication on the matter is very very sparse

Stay away! After investing here for many years the company just doesn't care about investors at all, especially the management attitude is to avoid the issues and try to hide the problems under the positive talk. few reasons: - failure of risk management regarding German loan portfolios, caused massive losses to many investors, including me. - inadequate AUM fee. I still have to pay that wonderful fee even if I keep seeing my principal write offs every month, why? - poor returns, the fact is, my returns for the last year are negative, and I keep loosing money every month due to overdue loans - the company doesn't respond to my questions, I am still waiting to reply after a month since I send you an email, where is that?

I started investing in EstateGuru about five years ago. After several loans defaulted, I stopped investing in the platform. I've had a couple of loans in default for over two years now, and when they repaid the remaining amount, they applied an outrageous €50 inactivity fee (the account is inactive because of the defaults; otherwise, I wouldn't have had an account years ago) and another €3 withdrawal fee. IMO, what clearly confirms to me that this is a company that has given up and is only trying to scam its clients out of their money is the recently added €50 fee. No bank or normal platform charges such a high fee; it's simply a low and fraudulent practice. I'm amazed they haven't been taken to court yet.

Many failing loans, even though they are promised over-secured (which is misleading/wrong), then you‘re waiting for years while the „in-activity fee“ is eating all the money that’s left.

Estateguru = SCAM O levantamento tem um custo de 3€ sendo que se não quiseres levantar, ao fim de uns dias o dinheiro que tens na carteira é consumido por comissões.

It's handled like a scam: - several of the loans got bankrupt or its getting several years of reimbursement, altought the theoretical protection (collaterals/etc..). So the company just didn't have enough expertise in the sector, or it's a half scam - when you finally get some money back from all these "in recovery" loan, you have to withdraw them ASAP, otherwise you pay a 10€/month fees - but recently they've introduced a fee for eachwithdraw. This fee was NOT declared since the beginning, they've just added it later, when money was locked into loans

The enrollment process was painfully slow and the customer support both uninformed and unhelpful. When I finally figured out the problem that was stopping me and got past it, the actual investing process was pretty good. However, many of the loans didn't work out and wound up in recovery, and while I don't blame Estateguru for a recession, they are the ones that are screening the offers. I invested about 60,000 euros in various loans, none more than 2,000 euros when Estateguru informed me that they didn't want anymore US customers and my account was suspended. However, they didn't pay off any existing loans, I was going to have to wait for them. At first I was able to transfer any cash that showed up when a loan was repaid via the website. But then they changed the website to disable that feature for suspended accounts. Now I have to go through customer service via email to withdraw my money. But the bigger problem is the money not showing up because the loans are mostly defaulted. It's been over two years now and I'm still trying to escape. Of the 60,000 euros, my account still has 28,000 euros, with 24,000 euros in recovery. By June I hope to get back the last 4,000 from performing loans (unless they default also, lol). No idea how long the others will take. To be fair, they don't charge me any fees, but then I don't see how they can, since they have suspended my account and won't allow me to make any investments. What is especially annoying is they keep sending me emails every week or so, that I have to update my KYC information. Why would I do that when all I want is out? In fact, I probably wouldn't have bothered with this review if they would just stop with those annoying emails.

Total scam. It takes forever to get your money back, and they charge a fee for idle accounts — which they introduced after I invested. When I complained, they just responded with legal jargon. They basically want you to keep pumping money in. The only reason to invest here is if you plan on investing thousands, and if you are investing thousands, you should invest elsewhere. I have been with this company for 3 years, and every time I receive money from my investment, they deduct money as an idle account fee. STAY FAR AWAY FROM THIS COMPANY WITH YOUR MONEY. I hope this company goes bankrupt so it can stop scamming small investors. Most investments pay out in small increments, meaning the payout itself might only be 15–20 USD. Then I am forced either to pay the processing fee for withdrawal or to leave the funds in my account until there is enough to withdraw. Assuming the withdrawal fee is 3 USD, and I only receive 20 EUR per month from my investment until it is fully paid, my actual return is reduced by 15%. The alternative is that they charge your account an inactivity fee, which basically evaporates any investments. Either way, investors lose. STAY AWAY FROM ESTATEGURU! LET THEM GO BANKRUPT!

Estou a aguardar, desde acerca de 6 (seis) anos, o pagamento dos meus empréstimos. São 6. 000 euros em projectos em incumprimento. A minha confiança nesta empresa, com a garantia apresentada, é de sincera insatisfação. Igualmente, a garantia secundária de um depósito em dinheiro, por um dos administradores desses projectos, não foi acionada, o que transmite uma falsa percepção de segurança, do reforço principal, sobre a hipoteca inicial.

Do not put your money here, they stupid 50 euro fee for unused account stolen twice my money once the recovered a load that was in default for ages and they did not send me the notification, scammers. They send loan recovered after taking the 50 euro 😂

Stay away from this total SCAM!!!

I invested on EstateGuru several years ago. Over time, multiple loans defaulted and repayments stopped — so naturally, I paused adding funds while waiting for recoveries. My account was never abandoned; I still held active defaulted loan positions on the platform. In May 2024, a representative named Daniil contacted me warning about a dormancy fee if I didn't invest or top up. After that single message, I heard nothing for nearly two years. Then on 5 March 2026, a partial recovery on Project #3235 finally came through — EUR 41.76 credited to my account. Nine days later, on 14 March 2026, the exact same amount was deducted as a "dormancy fee" (EUR 50/month for 24 months of inactivity), leaving my balance at exactly EUR 0.00. Think about what that means: years of waiting for a defaulted loan to partially recover, only for the platform to pocket the proceeds the moment they arrived — with zero prior warning and zero time to react. Calling an account "dormant" when it holds active defaulted loans in recovery is contradictory at best, predatory at worst. If this fee continues monthly, every future recovery on my remaining defaulted loans will be absorbed the same way, leaving me with nothing. A formal complaint has been submitted. I would strongly caution any investor considering this platform to read the fine print on dormancy fees — especially if any of your loans are in default.

My experience with Estateguru: 4100 eur invested, 2700eur recovered. Recently, part of an investment was recovered and the rest was written off, a loss for me. From the amount received (about 80 euros), they retained 50 euros as a fee for inactivity. Even if they claim that I can withdraw the money before applying this fee, I didn't receive any notice of recovering these 80 euros. But I constantly receive emails about new opportunities to invest.... I sincerely do not recommend this platform

Avoid this platform by all means – funds stuck for years I am extremely disappointed with my experience. What was initially presented as a relatively short-term investment (around 12 months) has turned into a situation where my funds have been tied up for over 5 years due to defaulted loans. There has been a clear lack of transparency and communication regarding the status of these loans and the recovery process. Despite multiple requests, I have not received clear timelines or meaningful updates on when I can expect to recover my money. What is most concerning is the absence of any clear compensation framework for such prolonged delays. As an investor, I accepted a certain level of risk, but not the complete lack of accountability and visibility I am currently facing. Instead of protecting my funds from inflation, this investment has resulted in ongoing financial loss and uncertainty. Based on my experience, I cannot recommend this platform to others. Investors should be aware of the risks related to long-term defaults and the lack of clear recovery timelines.

I invested in 2021 and in 2026 (five years later) I received only 9% of my initial investment. Fantastic! A property valued at €1.5M in 2021 was sold for a mere €300k. It is quite strange: they don't provide court documents authorizing the sale, nor the sale deeds. They don't even inform investors that the property is going to public auction; they only provide information after the sale has already taken place. It is all very 'opaque'. ----- I requested information regarding the public auction and the court case number. They refused to provide it, citing 'confidentiality'. I have to ask: how can there be confidentiality regarding a PUBLIC auction and a COURT case? This seems highly suspicious and lacks any transparency, bordering on malpractice. ------------------------- Responding to the feedback below. -------------------------- The primary issue with Estateguru regarding Project #8529 (Velbert) is not merely the financial loss, but the profoundly unprofessional and opaque manner in which the process was handled. 1. Misleading "Success" Labels: The platform officially marked this loan as "Successfully recovered" on February 27, 2026 . It is offensive to investors. 2. Failure to Preserve Asset Value: where was the platform’s "strong risk and debt management team"? 3. Ineffective Personal Guarantee: The loan was secured by a personal suretyship (25%). Now, the platform claims the likelihood of recovery from the guarantor is "low". What due diligence was actually performed on this guarantor's solvency at the time of the loan request in 2021.

I will let the numbers speak instead of emotions. Invested: €13,000 Withdrawn after ~3 years: €11,300 Still in default for 3 years: €1,700 After three years my result is –13%, assuming the default is never recovered. The losses were related to the problematic German loan portfolio that many investors experienced. Hopefully the platform has learned from this situation and improved risk controls so it does not happen again.

I consider my investment with EstateGuru to be the most regrettable financial decision I have ever made.The platform allocated investors' funds to real estate projects with what appears to have been grossly inadequate due diligence. When problems inevitably arose, obtaining any meaningful response or support from their customer service team proved virtually impossible.In one of my investments, I suffered a loss of approximately 70% due to serious mismanagement and poor project execution on their part.I strongly advise potential investors to avoid EstateGuru. Despite numerous attempts by affected investors to seek resolution, no serious effort at accountability or communication has been forthcoming.

Wucherhafte Gebührenstruktur. Hohe Ausfallquote Kundendienst, nutzlos. Finger weg.

Scam, you will loose your money for sure. Did a small investment, project went bust and have been waiting 4 years. Now got a 7% recovery. Am i supposed to be happy? absolute scam

I joined EG in 2021 and I have been patiently waiting for EstateGuru to effectively recover the horrible German loans, which were awarded by EG poor risk management by the team in that country. Apparently after several years the recoveries are coming in.. the problem.. up to 90% of capital lost. Loans that were supposedly secured by first rank collateral of 2x, 3x, 5x the value of the loan, apart from extra layers of safety like personal suretyship. What good is to have a collateral several times above the loan when 10% of the capital is recovered ???? In fact this shows the collateral valuation was a joke. Loan information provided by EG is not to be trusted. If this was not bad enough, EG also accounting in customers panels is also a joke. A 2000 Eur loan with a 1000 Eur written-off capital is shown as -10% loss... the Net Annual Return doesn't account for any written-off capital... just the actual received interest... I have 13.000 eur of interest received from hundreds of performing loans and 24.000 eur of defaulted loans, mainly German, to be recovered. Only a couple of loans already resulted in 3.000 eur of written off capital. At this space and only recovering 10% of German written-off capital I am exposed to lose a huge amount of capital at the end, even with hundred of performing loans over 4 years. My diversification was, by EGs own metrics, always kept over 75%, i.e. very good. EG will likely justify itself here as with by others, claiming that the market dropped, buildings needed heavy reconstruction works at the time of the sale to recover collateral, bla, bla, bla, but this is where the low LTV, and other layers of safety should come into account. Investors apply captial believing the accuracy of EGs risk assessment. When several recovered loans with low LTV like 20% or 30% start coming in at 90% of loss of capital, it clearly shows real initial risk was very poorly evaluated, admittedly to lure investors to the loan and cover the borrowers target in the shortest amount of time possible. There's no way around it. The business model simply doesn't work. What a joke. If you want to keep your initial capital, Stay Away!!

Seit mehreren Jahren Kredite in Verzug. Nichts passiert. Und auf einmal sind dann welche einfach verschwunden.

This company is a joke! Almost €1500 has been in recovery for over three years. There is probably only a minimal chance of getting the money back. Recently, they recovered one of the loans, barely 10% of the initial amount, which means a 90% loss !!! A building with a collateral value of €2.7 million was sold for €300k. Now they charge €50 per month for an inactive account, so you need to withdraw the money quickly when they finally recover some funds. Overall, this has been an extremely disappointing and costly experience.I’m wondering why there is no lawsuit against this company.

Absolutely horrible experience, almost all of the loans, although checked thoroughly before, defaulted. I'm stuck now for years, with barely any information, no money and the only way I know that they actually got some of my money back is when I get an email saying that I will be charged 50 euros for an inactive account! Stay away!

Such a scam. Written off 600€ - money that is lost and they won't recover. So if people borrow from here, they never have to pay it back. Absolutely disgusting company

Endlich ist es so weit. Einer meiner notleidenden Deutschen Immobilienkredite, in die ich bei EstateGuru investiert habe, wurde wohl eingeholt. Von investierten 52,75 Euro habe ich 19,68 zurückerhalten und darf 33,07 Euro endgültig abschreiben. Aber wie pflegte meine Großmutter schon zu sagen: „Lieber ein Ende mit Schrecken als ein Schrecken ohne Ende“. Ich freue mich schon auf den Tag an dem auch die restlichen Kredite endgültig zurück oder meinetwegen auch abgeschrieben werden. Dann kann ich meinen Account bei EstateGuru endlich schließen und mich sinnvollen und gewinnbringenden Geldanlagen widmen. Zumindest hat man mich per Mail informiert, dass mir dann doch noch 7 Tage zur Verfügung stehen meine 16,93 abzuheben, ohne dass mir 50 Euro Inaktivitätsgebühr berechnet werden. „Chapeau“ für soviel Kundenservice...LOL!!!

Like many others, I invested in projects on EstateGuru, and today every single one of them is in default. I’ll take my share of responsibility, I knew investing in crowdlending carried risks, and I got hit. That part I can live with. But what’s not acceptable is what happened next: despite repeated promises about recovery efforts, as of February 2026 very little progress has been made. And the few funds that have been recovered come with strings attached: • You’re forced to reinvest recovered funds if you want to avoid a €50 inactivity penalty, which I am not willing to do. • Withdrawing your own money costs €3 per transaction, which essentially penalizes investors for trying to get their funds back. This is poor practice. Every other crowdfunding or lending platform I’ve used has allowed at least some free withdrawals, and many even pay interest on idle balances. For a long time I stayed confident in EstateGuru because of their “reassuring” communication about recovery efforts. But that confidence has vanished. I’m fine with investment risk , that’s inherent. What I’m not fine with are terms and behaviors that feel predatory and unfair to investors. In short: avoid EstateGuru, their practices are bad for investors.

After 5 years of waiting Estateguru has finally managed to auction collaterals. Just received 121 EUR back from 1250 EUR investment. Rest is written off. Pätikari, mitte investeerimisplatvorm. #$&(@$-+:*

I just experienced a 90% loss on an investment (project #8529) that was advertised as having a 54% LTV with a first-rank mortgage. This implies that the collateral dropped in value by about 95%, which is completely unrealistic for the property in question. There has been no explanation of how they were only able to recover less than 0.3 million, when the collateral was supposedly valued at 5 million.

Seit über 2 Jahren änderte sich an den ausstehenden Kreditständen nichts. Seit über einem Jahr ist der Zugang eingeschränkt, da über den Verifizierungspartner "onfido" (hat ja auch eine "Top"-Bewertung bei Trustpilot...) die Verifizierung nicht abgeschlossen werden. Man kann nur noch einzahlen oder in neue Kredite investieren, Kapital abziehen ist nicht möglich, obwohl das Referenzkonto seit Jahren hinterlegt ist. Die ausstehenden Scheinwerte auf dem Nutzerkonto werden also nach und nach abgeschrieben oder durch Inaktivitätsgebühr eingezogen.

Investimentos perto de 100% em default, faz vários anos já neste momento. Tendo experiência na mintos, peerberry, goparity, entre outras, não existe qualquer equivalência com esta plataforma. Face à falta de cuidado com a avaliação de risco e proteção dos investimentos, no mínimo, praticamente todo o portefólio tem o mesmo destino. Aconselho quem pondere iniciar esta jornada que se vire para outro lado.

War mal eine gute Plattform gewesen...jetzt Finger weg ,schlechte Einholung von Gelder so wie teure Gebühren.

They have absurd fees (50 EUR) if you have free funds. For 1 year, I've paid over 200 EUR in fees. On top of that, most of the loans are defaulting. The risk management is totally inadequate for the price you are paying. This is the worst platform ever.

I invested 200€ in 4 loans a few years ago. 1 and a half loans came back, the rest is "in retrieval". This is the WORST risk management I have ever seen in all of my years in finance. Beautiful web interface, but the worst loan risk management ever.

Die Versprechen über abgesicherte Kredite sind ein Witz. Ein Kredit von 2021 wurde jetzt teilweise eingeholt. Da der Kreditnehmer Insolvent ist, sind etwa nur 20 Prozent der ausstehenden Summe eingeholt worden. ich habe aufgrund der schlechten Erfahrung nicht weiter investiert. Jetzt ist ein Teil der offenen Summe zurückgezahlt worden, wie gesagt annähernd 20 Prozent. Zur Bestrafung hat man mir jedoch monatlich eine Strafgebühr von 50,00 Euro auferlegt, weil ich nicht weiter investiere.

Highly not RECOMMEND this platform. I have tried many different p2p platforms and I can say it is the worst platform ive seen. i have been using EG for about 5 years. Now i have total 28 loans and all of them are in default. Loans became insolvent 2-3 years ago (some were delayed to become default by EG) and almost nothing is done via this period (minimally recovered). Recovering example: 2021 November invested 50e into loan 14.3% LTV, projected LTV 28.6%. Became default. After recovery in end of January received 4.34e and EG closed the loan. So only 8.7% is back. With such low LTV should be no problem to sell the property to cover the costs. But what happened now??? Only 8.7% is back?? What is the point to borrow with property :/ Where is the guarantor??? As well noticed that in the tables are played with numbers to look better profit %. If a bit is recovered, soon they want to charge in activity fee while having 28 loans in default. Just my 5 dimes. There is more, maybe add more info in future.

Avoid this platform. Problems with withdrawals have started. Verification links doesn't work, support doesn't work, additional charges for funds. Requires document verification even though they already have them. These scammers are in a very suspicious stage.

look at Private Investor - EGU84565 and you know why you received just 1 Star!

Hallo, bin seit einigen Jahren auf dieser Plattform. Anfangs lief es auch recht gut und es kamen Zinsen rein. Dann rutschten immer mehr Kredite in Einholung. Aktuell 27 von 30 !!! bei mir im Protfolio. Bestehende Kredite wurden teilweise mit Verlusten abegschrieben. Die eingenommenen Zinsen, wenn man sie denn bekommt, decken nicht mehr die Abschreibungen. Mein ältester Kredit 18 Monate Laufzeit aus dem August 2020 (Nummer #0263 nachprüfbar). Und es passiert nichts.... Dessen sollte man sich als Invsteor bewusst sein. Dann die größte Frechheit, es wurde ein neues Produkt Grow an den Start gebracht, weniger Zinsen aber dafür auch kein Stress lautet das Versprechen. Wenn man dort investiert aber sonst keine andere Kredite kauft, werden PRO MONAT 10 € (!!!) Nichtaktivitätsgebühr fällig. Absoluter Wahnsinn. Ich kann alle Interessenten vor diesem Anbieter nur warnen. Man begibt sich durch die Gebühren in eine quasi Abofalle und wann bzw wieviel man von seinem investierten Geld wieder sieht steht in den Sternen.....

Will invest your money against explicit wishes and settings. Do not trust this platform. Login SMS verification not working. Highly dodgy, stay away.

No verification code sent. Can't log in into my account. No access to my money.

Vergogna, interessi bassi, prestiti in default e ora la novità dei prestiti dormienti. Se non investo (ma voglio uscirne) o non ritiro liquidi (ma non rientrano soldi perchè i prestiti sono in deafault) allora vengono applicate esose commissioni: 10E/mese Più altre commissioni ogni volta che si ritirano soldi: 3E ! Vergogna!!!

The platform didn't let me invest into loan with generic error message and then changed me 10eur fee for being inactive. All that while there I have over hundred loans in default that they unable to recover and constantly writing substantial amounts off. Regarding EG comments: It started working the day after I got charged the fee with exactly the same browser as before, and I did try to contact support using your useless AI chat bot as well as reaching out using facebook. I haven't received any help whatsoever. The only place someone takes time to reply is here...

Ich kann mich vom Newsletter nicht abmelden, eine Antwort vom Support hab ich bis jetzt nicht erhalten…

La maggior parte degli ivestimenti è in default. La capacità di recupero dei prestiti è inesistente! Inoltre applicano delle fee di 3€ se vuoi prelevare quei pochi soldi che ti entrano nel conto. Sconsiglio vivamente.

I made a transfer of 2000 euro on 5th of January and the money still doesn’t appear on my account after 14 days. In addition for my email request to refund the 2000 euro transfer back to my bank account I also didn’t receive an feedback. That absolutely not a trustful way! expecting more feedback than „believe us, your money is safe“

Les retraits sont bloqués soi-disant à cause d'un dysfonctionnement de Lemonway, et ce depuis le début de la semaine !!! Et là, j'essaie de me connecter et le site ne fonctionne carrément plus. Est-ce que Estateguru est en train de couler ? FUYEZ CETTE PLATEFORME D'ESCROCS

Customer support service doesnt fix problems, just give random copy/paste answers that doesnt help. We can see it also here from posts below. In my case company lost my deposit in Estateguru account, and 11 days later not only didnt found, but also dont answer to emails no more. As long they wont start recover defaulted loans in responsible and active manner, and as well wont start to deal with their customers in respectable manner, there is only one way road to insolvency. As real estate businessman i can tell, that situation can be fixed, but in my opinion current company leadership is uncompetent, weak and doesnt understand what they do.

I am extremely disappointed with my experience on EstateGuru. I invested in a loan back in July 2022, and for nearly two years, the communication was mediocre at best. However, since April 2024, the loan has been moved to "Recovery" status, and it has been a complete "black hole" of information ever since. There has been no meaningful explanation provided regarding the delay, the current state of the collateral, or a realistic timeline for when investors might see their capital again. It feels like my money is being held hostage while the platform provides vague updates that offer no real substance. If you value liquidity and transparent communication, stay far away. Watching my investment sit in limbo for years with no accountability from the platform is unacceptable. I would not recommend EstateGuru to anyone looking for a reliable investment partner.

I invested a substantial 6 digit amount in my Estateuru portfolio While some loans worked as expected the majority of the loans is either in recovery mode (without any results whatsoever) or extended again and again and again without any outcome. I have several loans that have been designed for a 12 months period and are now running for more than 48 months as EG was prolonging the loan for changing reasons every few months, And often the reasons are opposing each other (f.ex. first reason was refinancing the project via EG, then refinancing via 3rd party, then selling the collateral, then refinancing the loan via EG again). Does not make any sense whatsoever, After their response: This is simply not true - EG often tries to provide incorrect information publicly to protect their "reputation" (which does not exist anyhow - see the reviews here). I often sent emails to their support address after incorrect handling of investments but never got a response. Now they charged me an inactive account fee which was never agreed on in their T&C when I signed up (and In explicitly rejected their request of change) even if my account is not inactive and sone funds have just been re-invested.

Avoid like the plague. Loans to be matured and resettled in 2022 still not unsettled. They advertise 8% to 12% return on investments and in reality I got a -60% return.

I trusted this company. I even bought shares on seeders but now I am buffled by their audacity. First I wait nearly a year to see progress on my default cases and then they take the money because my account is inactive. Of course it is inactive if they can not do their jobs. I hate that I ever trusted them with my money.

This is a terrible platform. I am an avid user of many other similar platforms (e.g., Mintos, Peerberry, Urbanitae), and I have yet to find one as bad as this one. ALL of the projects I selected (5) have defaulted (invested in 2021), 0% recovery even though all had LTV around the 25% mark. But apart form their loans, the platform is just scammy. The withdrawal mechancis (not that I will be using them) are hidden, and apparently one of the loans was reimbursed, but that money just disappeared and is not in my wallet.... Terrible, put your money in at your own risk

Angeblich wird für ein inaktives Konto jeden Monat eine Info-Mail versandt, danach kann man sein Guthaben kostenfrei auszahlen lassen. Natürlich habe ich diese E-Mail im Dezember nicht erhalten und prompt wurden die 10 € abgezogen. Wer vor Jahren auf die lächerlichen Renditeversprechen hereingefallen ist, wird nun zusätzlich bestraft. 

Apesar de diversificado, 100% do meu portfólio esta em recuperação sendo que há 3 anos ou mais que não recebo qualquer pagamento. Para alem disso, alteraram o preçário e todo o meu dinheiro foi consumido em comissões... Não aconselho investir dinheiro nesta aplicação.

Sähköpostiini tuli Estategurulta KYC -päivitysmääräys, vaikka tiedot päivitetty edellisen kerran 1,5 vuotta sitten. Kun menen EG:n sivulleni niin siellä ei ole mitään päivitettävää. Erittäin epämääräistä. Sähköpostissa olevan linkin kautta kun menee katsomaan niin näyttää pohjatietona, että kotiosoitteeni olisi Pariisissa ja olisin myös syntynyt siellä, vaikka koti- ja asuinmaani on Suomi. Tämä sentään oikein linkin tiedoissa mutta erikoinen ristiriita. EG:n sähköpostissa mainittu myös,että voin tehdä päivityksen ottamalla kaksivaiheisen (2FA) tunnistautumisen käyttöön. Tämän olen tehnyt jo vuosia sitten. Estategurulla tuntuu olevan asiat aika sekaisin. Kannattaa siis välttää tätä yritystä. Itseltäni on jäänyt tuolta saamatta rahat kahdesta sijoituksesta, jotka erääntyneet 4-5 vuotta sitten. Ei auta, vaikka kiinteistöjä vakuutena.

Absoluter Betrug, 3€ um Geld abzuheben und wenn man mal ein paar Tage nicht online ist werden einem gleich mal 10€ Gebühren berechnet...kann somit nicht mal mehr meine zinsen abheben, weil alles von deren Gebühren aufgefressen wird.

More than three years have passed and my entire portfolio is still in “Default.” For months, I have been receiving the same automated message claiming that a “recovery plan is ongoing,” yet there has been absolutely no progress or concrete action. No solution has been delivered, no transparency provided, and no returns generated. Investors should be extremely cautious, as I have effectively lost my money.

Hat jahrelang gut funktioniert. Aber deren Deutschland-Portfolio ist total zusammengebrochen. Einholungen dauern mehrere Jahre. Die letzten Einholungen hatten 50% Verlust. Da fragt man sich schon, wie der angegebene LTV der Projekte zustande kommen ist, denn mit einer erstrangigen Besicherung und 60% LTV sollte es ja eigentlich keinerlei Verlust geben. Meiner Meinung nach hat man die LTV schlicht (in strafbarer Weise?) geschönt. Jetzt noch absurde Gebühren für Inaktivität und Abhebungen. Sorry, ich bin da raus.

This company is a scam and I hope this CEO and his board be arrested soon. The customer service gives automatic answers to specific enquiries and all my investments are defaulted for almost 4 years! They just give an update of the progress in 3 in 3 months with te same message.

Ich warte seit 1,5 Jahren auf mein Geld Ich empfehle diese Platform nicht.

Einfach nur schlechter Service. Ziehe mein Geld seit längerer Zeit ab, da 3€ pro Abbuchung verlangt wird (bei Wettbewerbern kostenlos oder 1€) habe ich ein paar Wochen abgewartet und dann wurden direkt 10€ abgebucht, weil der Account nicht nach deren Vorstellung genutzt wurde. Nie wieder

Pour moi le pire site de crowdfunding que je connaisse. J’ai tenté de diversifier mes investissements en termes de crowdfunding à l’étranger il y a maintenant 4 ans en ce qui concerne estateguru. Par précaution quand j’investis sur un nouveau site je n’investis que sur un projet dans un premier temps. Grand bien m’a pris… 1 investissement = 1 défaut // suivi inexistant // réponses robotisées // 4 ans après mon investissement un message automatisé tous les 3 mois qui me dit qu’ils cherchent un plan de recouvrement bref, à fuir absolument !!!! Certes il y a un risque comme tout placement de ce type et j’ai d’autres projets en défaut sur d’autres plateformes mais sur lesquelles un véritable suivi existe, sérieux, avec de vraies solutions proposées… en consultant les avis je vois que je suis malheureusement bien loin d’être le seul…

I started to invest with this company a few years ago, and for a quite a long time everything was OK. However, from about 2020, I have about 50 my investments defaulted and only a few were recovered. The loss is enourmous. The brave and optimistic company's reports about their great achievements are just a lie. Moreover, they started to charge investors for withdrawal their funds (3 Euro) and for not using their funds (10 Euro per month) which seems quite cynical ways of keeping themselves on board. I would say that their team who did research on borrowers and their ability and wish to use loans properly and pay them back, was extremely incompetent, if not dishonest.

Stay away if you want to invest your money in something legit. They market their solution with providing around 9% return but every time an asset is written off meaning you don't even get your investment back they don't take that into account. I attach a calculation of my investment below. Also when an asset you invest in goes bankrupt they don't provide any information only do a paste & copy message every 6 months literally all the same for all assets. I got so upset with that that I sent them an email complaining they got back a couple of weeks later stating that "unfortunately no additional information can be provided". I lost 2/3 of my invested capital. I attached the way with my real world example how they calculate their "return". It's I think a scam. You lost half of your investment even after interest and spent 4 years waiting for it to be paid back and your return is -9% ??? Really, I mean I am not a genius in math but come one. I can only say stay away if you ever want to see any of your money again. Scam. On google reviews I also added the actual screen capture from their calculation, how they calculate net interest. Here unfortunately I can't add a photo.

Investing into various crowdlending platforms. This one's the most terrible experience. Loans stuck for years, money don't come back. They charge small investors for assets under management fee. If you whitdraw money - each time you have to pay 3 eur - unlike in other plaforms where it's free or once per month is free. Do not invest here !!!!

worst P2P site ever, i have 2K stuck with them, unable to recover for +2 years, of course I did not put any money in them anymore. Then they put 50 EUR fee per month as I am inactive, and they took 12 Euro from my account w/o notice, they noticed me afterwards on these fees.

Total scam - lost half of the investments and managed to only recover the other half, i.e. no interest was ever paid out. On top of that they debited my balance without a prior warning "due to inactivity".

Ich habe seit 2021 investiert und jetzt ist alles in Einholung oder wurde abgewickelt. Keine regelmäßige Rückzahlungen sind mehr zu verbuchen. Ich bekomme auch noch 50€ abgezogen wegen Inaktivität. Langsam kommt mir auch der Verdacht eines Betrugs.

Stay away from this total SCAM!!! Invested over a long time, since 2020. Everything started reporting default and none have been reported as recovered ever since! And no serious communication from anyone. You contact so called support and only get bots responding, like the ones here that repeat the same to every complaint: "Please be assured that our recovery team continues to work actively on all defaulted loans". Yeah, right!! They provide what they call an update repeating every 3 months the same bullshit text "Recovery Plan in Completion", for almost two years now!!

I cannot say anything positive about this company, investing with them you get only disappointment and frustration, losing the money you invested. They shall be judged for their scam

Scam. Habe 2021 investiert, alles „in Einholung“, ohne, dass sich irgendetwas am Status ändert. Dann kriegt man noch eine 50€ Inaktivitätsgebühr auf‘s Auge gedrückt, weil man nicht weiter auf dieser Scam Seite „investiert“.

Mon solde est maintenant dans les Négatifs ! Je leur dois de l'argent. C'est le monde à l'envers... A cause de leurs taxes appliquées tout azimut... Il y a une perte totale de contrôle... je me retrouve avec un solde négatif. Je les contacte et je ne peux que parler à un Bot ou "Irina" qui reconnait l'erreur d'EstateGuru. Mais aucune action n'est entreprise de leur côté. Je reste sans réponse, dans le flou total... Vraiment inadmissible, et solde toujours dans les négatifs. Estateguru sur une échelle de 1 à 10, je mets -100 !!

Lost thousands of Euros

Stay away!!!!! Half of my project have been defaulted more than 3y and when they “recover” the default ones, you lose half of your money. Worst investment ever.

Invested over 9k over a long time, in 2020 everything started defaulting and none of the default have been recovered ever since. No communication from the staff of anyone. It might have been a decent high risk platform many years ago, but currently just stay away. None of my 20+ investments have been recovered after a default for over 4 years. That says a lot.

I invested in EstateGuru back in 2021, hoping to diversify and support real estate projects. At the beginning everything seemed fine, but over time many of the projects failed or became “stuck.” More than four years later, I still have around €4,000 locked with no clear recovery date. But that’s not even the biggest issue. The platform charges excessive fees even when users have zero control over their balance. While the projects remain unresolved, my account balance sits at €0. However, whenever a small amount is recovered — for example €300 — if I don’t log in immediately to withdraw it, EstateGuru charges €50 per month just for having that balance. After a few months, those €300 were reduced to €150 without me being aware. An absolute joke. And when you finally try to withdraw your own money, they charge €3 per withdrawal. In other words: they charge you for investing, they charge you while you wait, they charge you when you recover money, and they charge you again when you try to withdraw it. In a world where bank transfers are practically free, this policy is unjustifiable. What’s worse is their response: “there’s nothing we can do.” This attitude shows a complete lack of respect for investors, who already take the risk of project failures and still get punished with outrageous fees. If I ever considered using EstateGuru again, these practices make it absolutely impossible. I cannot recommend this platform to anyone. Their fee structure is abusive, they do not take care of their investors, and they penalize those who have already lost the most. -------------------------------------------------- 🆕 UPDATE after company response: Thank you for replying, but your answer doesn’t change my experience as an affected investor. Whether the problematic loans are “old cases” or not is irrelevant to me: they are my investments, and they have been blocked for years with no clear resolution. The money I eventually recover arrives in small amounts, and the moment it hits my balance I’m immediately exposed to high fees — either €50 for inactivity or €3 per withdrawal. In practice, this means that not only do I fail to recover my full investment, but what little I do recover is slowly eaten away by charges. For investors stuck in long-term defaulted loans, the least EstateGuru could do is to exempt these accounts from penalties, given that we did not choose to leave our balance idle — the platform made it impossible to reinvest due to unresolved projects. Between the loss of capital, years of waiting, inflation, opportunity cost, and additional fees, the final result is a financially disastrous experience. This is exactly why I do not recommend EstateGuru to anyone looking to invest wisely. A simple diversified ETF delivers far better and safer long-term returns than what I’ve experienced on this platform.

Your money will sink in default forever. It's outrageous to see a scam of such a scale like estateguru in the EU.

Please don't spend your hard earned… Please don't spend your hard earned money on this business. More than 95% of my loan is default and waiting for more than 3 years ,there is no recoveryandd when i see their website they claim they reecovered billions of euroes but i did not belive its real data.so best thing is put your hardest money in other than Estateguru.If you have already put into estateguru and their defaulting loans, best to forget about it. Even if you get something back, you will realize its all taken as fines by estateguru due to no account activity if you dont log in asap and withdraw(why would anyone even check the account when there is nothing but default there)

Selbst ein Stern ist zu viel. Wer damals vor zwei drei Jahren auf das rosige Versprechen von über 10% Rendite herein gefallen ist, der weiß wie die Überschrift gemeint ist. Jeder der von seinen insolventen Krediten und das sind mehr wie 70% auf irgendeine Rückzahlung wartet bekommt als Belohnung noch 50 Euro abgezogen wegen sogenannter "INAKTIVITÄT). So wird bei Estateguru Geld verdient. Da ja die geschädigten Anleger nicht noch mehr Geld hinterher schmeißen erwischt es immer wieder die die eh schon verloren haben. Was ist das für ein Geschäftsgebaren??

Review: I have been investing on EstateGuru for a while, and unfortunately my experience has been mostly negative. A large number of my loans have defaulted or are significantly overdue, so the platform has delivered very little return for me. On top of that, they charge a fee on the small amount of interest that still comes in. What frustrated me the most is the monthly “inactivity fee.” Since I was barely active, this fee was deducted even during a period when I simply didn’t log in for about 10 days. In my case, the fee essentially wiped out the interest I had received. I contacted customer support by email around three weeks ago to request a refund of these fees, but I haven’t received any response so far. Based on my personal experience, I cannot recommend EstateGuru at this time.

Einfach schlecht! Es kommen keine Infos zu ausstehenden Zahlungen bzw ausgefallenen Krediten! Seit 3 Jahren passiert nichts. Keinerlei Infos! Saftladen! Nicht zu empfehlen!

Absolute thieves. Disgusting management. My worse experience with a company EVER.

Plateforme catastrophique, pertes très importantes, recouvrements quasi-inexistants des projets en défaut, frais pour retirer des fonds, frais quand pas assez de nouveaux investissements... et maintenant connexion impossible pour retirer les maigres fonds qu'ils récupèrent avant qu'ils ne les prennent pour "inactivité".

Complete scam, can only recommend to stay away and invest somewhere else! Loans keep defaulting and there are no updates from the recovery team. Zero progress in almost 3 years now.

Es fallen monatliche Gebühren in Höhe von 10 € an, wenn das Guthaben nicht investiert wird, und ich habe 50 € für einen digitalen Wert verloren, der das Unternehmen nichts gekostet hat. Geld abzuheben ist kompliziert und mit einer Wartezeit von mehreren Tagen verbunden. Ich war vorsichtig und habe „nur” 800 € verloren. Angeblich sichere Projekte, die schon vor Jahren hätten abgeschlossen sein sollen, sind immer noch nicht fertig, und das Geld liegt irgendwo herum. Ich kann das nicht empfehlen! Und der Typ, der die Verifizierung durchführt, sollte gefeuert werden. 3 Versuche und alles wie vorgeschrieben gemacht, aber ich wurde trotzdem abgelehnt. Wegen diesem Mist bekomme ich mein Geld nicht zurück! Ich bin kurz davor, zur Polizei zu gehen. UPDATE: Wenn Sie Ihr Konto schließen, bekommen Sie Ihr Geld nicht zurück, sondern werden einfach darüber informiert, dass Ihr Geld weg ist, wenn Sie es nicht vorher abgehoben haben. Sehr verdächtig!

Scam! Scam! This is a total scam! Stay far away from this company! For three years, they’ve been repeating the same empty promises, claiming they have a finished plan — but nothing ever happens. They took my money, so don’t let them steal yours too!

Quasi tutto in default.

It is a scam. I have multiple defaulted loans for years that are never get recovered. The updates are always the same coming every three months showing no progress.I've been waiting for a refund for over 5 years!

Betrugsverdacht ist in rechtlicher Prüfung. Antworten kommen verzögert oder per BOT. Trotz Aktivität und laufenden Krediten, die NICHT kündbar sind, werden Inaktivitätsgebühren angedroht. Das ist vorsätzlich und betrügerische Handlungen und aus meiner Sicht so beabsichtigt. Ich würde dringend abraten hier zu investieren. Investition seit 2023

50€ month??????? Are you insane? This charge was never clearly explained in the platform’s user flow or communications I received. I believe this practice is unacceptable and has put my savings at risk Requested remedy Full refund of the €50 monthly charges applied, unless you can provide a clear contractual basis and prior written notice for them. A clear explanation of the legal/contractual basis for these charges, including the exact clause in your Terms of Service and sample communications sent to investors. Confirmation of changes you will make to ensure transparent disclosure to users going forward. If this matter is not resolved to my satisfaction, I will escalate the complaint to my national consumer protection authority and seek independent legal advice.

J ai investi plus sur plusieurs biens il y a plus de 4 ans, la plupart sont en défaut de paiement, donc je decide de ne plus investir en attendant qu ils gerent tout les biens dn défaut de paiement et je consulte ce jour, mon portefeuille est passé a zero, c est du vol

Bom dia, não meu dinheiro neste serviço, além de não cumprirem com nada dos contratos ainda cobram mensalmente 10€ se não meteremos mais e cobram 3€ por levantamento, não se deixem enganar esqueçam isto!!!!

An investment with a good interest rate disappeared. It is not among the financed loans either. Insolvent loans have been unpaid for almost 3 years

No progress in recoveries. I have several defaulted loans, some of them for nearly three years. They provide an update on the status every 3 months which is just the same bullshit that "Recovery Plan in Completion". One and a half years with the same update and the recovery plan never completed... This would be a joke, if there was not real money in it... Stay away, there are much better and trustable P2P companies and offers out there

Ich habe mich vor Monaten verifiziert in meinem Account. Aber Estateguru schreibt mein Account wäre nicht Verifiziert ich müsste noch meine Telefonnummer verifizieren. Nur das garkeine Möglichkeit hierfür in meinem Account dafür vorgesehen ist. Ausserdem ist es ja seit Monaten schon abgeschlossen. Dadurch kann ich kein Geld abheben oder investieren. Nun laufen die 12 Monate der Inaktivität ab. Ich wollte investieren und Geld abheben. Estateguru reagiert damit das ich mich verifizieren soll was ich schon getan habe. Es gibt in meinem Account nichts zu tun was das Problem lösen kann. Das ist ein riesengrosser Betrug. Bei den ganzen Beschwerden sollte man sich zusammen tun und gegen Estateguru mit einer Sammelklage vorgehen.Estateguru erhält keinen Stern. Den Stern oben gibt es nur, weil es anders nicht funktioniert. Vielleicht kann man sich auf einer anderen Plattform zusammentun.

You better spend you money on the most stupid and reckless thing than "invest" in this shitty platform. Burn the money. It's way better. That's how bad and awful they are... Total scam and thieves.

Multiple defaulted loans. After 33 months, I still get the same update that they are trying to recover the funds. Extremely high risk!

Investing since 2023. Everything went wrong. I have lost half of my capital. They always delay and change payment schedules! Stay away!!!

I don’t need to add much more - my experience is already well documented by all the messages: despite having what they considered as a very balanced portfolio (more than 30 different projects) and going for the less risky investments, I am just breaking even today and have no hope of getting more from those projects which have been in default for 3+ years. Many of those projects have the same borrower behind, who seems to have made a nice business model out of not repaying their debts - which indicates that the due dilligencr they perform is very very very weak.

Meine Kredite sind alle im Verzug. Trotzdem muss ich regelmäßig prüfen, ob nicht doch eine Rückzahlung gekommen ist, weil ansonsten Estateguru das Geld als Gebühr einzieht. Nur zum Geld vernichten geeignet. Da gibt es wesentlich seriösere Anbieter.

It is a scam. I have multiple defaulted loans for years that are never get recovered. The updates are always the same coming every three months showing no progress. They are useless even in providing a diferrentiated update every time. I lost my money please do not invest yours....

This is an updated review. I wrote a review a year ago, and would like to update it. I invested 6,000 euro in very low risk loans, so far 6,300 has been paid back since 2018. I have 700+ euro in defaulted loans and at this point I will not get it back. I have one loan in particular that I invested in June 2020. It defaulted. There have been no updates for 2 years about it. That's over a 5 year turnaround and the platform simply does not care. Keep your money away from this platform as you will get no support, minimal if any gains as they have become so unreliable. On top of this, they are brazen enough to launch their new Grow part of their platform with a promise of 7% returns. It would be great if they could organize their initial property loans part of their platform before insulting customers with launching new products. Do not invest.

40% of my investment went in default. Already waiting for resolution for 3 years, no progress by so far. There are better ways to lose money. Don't let Estateguru to lose your money on poor loan selection. Highly not recommended.

Thieves, just when I wanted to withdraw the fund invested they claimed of some management fees and robbed 30 euros over short time. Also, to mention the lack of clarity and fair business dealings and practices!

dont invest! loans are rarely pay back and then they charge high commisions when you want to take back your funds

After there were excessive problems with defaulted loans, which still have a default rate of 70% from around 2023 with no prospect of timely collection and recovery of the money, Estateguru introduced several bad measures to squeeze money out of users and punish those who left by squeezing even more money out of them. After failing themselves, selecting poor loans and being unable to push ahead with recoveries, they are now punishing their customers with fees for the few loans that are still active, withdrawal penalties, penalties for being inactive for too long and not continuing to invest, and just waiting for their money to be withdrawn... extremely bad and not recommended. With its greed, Estateguru is digging its own grave.

I've been waiting for a refund for over 5 years.

Inactivity fee

You can not get my money back in a default (the loans are not repaid as you know) and you charging me 10Euro per month because I stopped investing in that condition.

Not an investor-friendly portal, money is scattered around, overdue loans are not handled, and the unprofessional management of the portal is placed on the investors’ shoulders through fees. Stay away!

It is a kind of scam platform that you should avoid at all cost. Shady borrowers with the knowledge of the platform will take your money, you will wait for recovery until the end of the world. And when you are waiting Estateguru will take any money you have with inactivation fees, hidden fees and many other tricks. Just stay away.

8 out of 15 loans are in default and are being recovered for over 3 years now. The response from them is always the same (as it is the same under the reviews here. 60 mil recovered, I have not seen a single euro from these). I consider myself lucky to have only lost about 55% of the money I "invested" with them because I always check my email and withdrew everything (left) before they started charging fees. Stay well clear, it may have started with good intentions, but it is now nothing but a scam. edit: As you can see from the obviously copy-pasted answer.... As if to prove my point...

Unsichere Anlage + Hohe Inaktivitätsgebühr.

Please don't spend your hard earned money on this business. If you have already put into estateguru and their defaulting loans, best to forget about it. Even if you get something back, you will realize its all taken as fines by estateguru due to no account activity if you dont log in asap and withdraw(why would anyone even check the account when there is nothing but default there)

Too many defauts, with high fees

Their 'inactivity fee' policy is an unethical way to charge users for closing their account. Your account is deemed inactive (and charged) after 11 months of no 'new' investments. Most contracts are 1 year, so they are not even waiting for the average contract to expire before taking money that is not theirs. It gets worse, many contracts are years long and bad loans will extend that time. This policy effectively assigns all your remaining money to estateguru. They say you can wait for the warning and then withdraw all your money every month so the balance is 0 euros, but of course there is a fee for that too. Also, why should the customer have to do this every month for months (possibly years) while they wait for the last few loans and reclaimed money to arrive in their account. In short, this policy aims to claim your remaining money when you want to liquidate. This is an extremely unethical practice, and my reason for the 1-star review.

Gebührenabzocke !!! Finger weg! Der Grossteil meiner angelegten Gelder sind trotz "breiter Streuung" und "sorgfältiger" Prüfung der Kreditnehmer seitens Estateguru seit mehr als 24 Monaten in Einholung. Es passiert nichts. Stattdessen werden mittlerweile monatlich(!) 10 EUR (!) "Inaktivitätsgebühr" fällig, wenn man selbst kleinste zurückbezahlte Beträge von z.B. 20 Euro nicht sofort abhebt oder anlegt. Abheben kostet 3 Euro Servicegebühr. Statt also Anlegern - und von denen gibt es anscheinend sehr, sehr viele - welche viel Geld mit EstateGuru verloren haben, das Leben leichter zu machen, werden diese weiter abgezockt.

A joke of p2p site. bad oferings, a lot of defaults, and a hell lot of taxes. inactivity tax, widrawal tax. stay away.

Don't invest here. I have 74 loans portfolio in Estateguru and all in default. Looks like they don't do anything to get borrowers to pay back.

Runaway! Made a test with 250€! Lost it all! Even an inactive fee was charged! When they lost my money from investments and they want me to put more money lool

Ich habe 2021 in verschiedene deutsche Immobilienprojekte bei Estateguru investiert. Sämtliche dieser Kredite sind ausgefallen, wurden also nicht bedient. Seitdem gab es von Estateguru kaum Anstrengungen, einen Teil des Geldes auf dem Rechtsweg einzuholen. Verkäufe und Zwangsversteigerungen werden scheinbar bewusst vermieden, da man so sagen kann, dass die Investoren ja kein Geld verloren hätten. Sachliche Nachfragen zum Stand der Einholungen werden mittlerweile grundsätzlich nicht mehr beantwortet und das Thema seitens Estateguru totgeschwiegen. Von jeglichen Investitionen auf der Plattform rate ich folglich jedem ab!

Sur 15 investissements réalisées 100% sont en statut "In Recovery" et cela depuis 2021 !!

Please don't invest in Estateguru. Very unserious business they do. You don't have any transparency, what happened with defaulted loans. Support giving only the same reply it takes time. But worst which applied to me recently since i haven't checked in a few months, loan got partly recovered, got some money back, but since it has been dormant, you get charged 50€ for being dormant. Absolutely ridiculous. Avoid by all means.

I decided to invest a significant amount of my company's proceeds into EstateGuru as the reviews at the time looked very good (before Covid) and the business plan seemed solid. After all, what can go wrong when your investments are going into properties that can be legally sold off as collateral, providing you with a high degree of safety on paper? So I invested in about 75 projects over time, totalling over 11.000 euros. 37 have been repaid in full, 7 have been recovered (meaning the loaner defaulted, but EstateGuru got my money back via legal proceedings), 3 are partially recovered AND 27 loans are STILL outstanding 4-5 years after they defaulted, totalling 4.400 euros that I cannot get out. I have tried selling them off at significant discounts in the secondary market, but who wants to buy loans that have been defaulted for years on end without any progress? And what has been EstateGurus response? Over a year ago, they suddenly started siphoning off 50 euros from my account every month for an "inactivity fee". So all gains in interests I might have made over the years are gone. My choice to avoid this charge is either to invest (there are no available funds in my account since I withdrew everything I could when my alarm bells started ringing) or I can withdraw money. Which of course is impossible since no one wants to buy my defaulted loans (which have been defaulted for 4-5 years) on the secondary market. This "inactivity fee" is legal theft, plain and simple. I will NOT invest a single dime into this fraudulent business anymore and I STRONGLY advise anyone else considering this platform to avoid it at all costs! Suddenly charging users a substantial inactivity fee every month - where your only option of avoiding it is effectively to "invest" in more projects that carries a huge risk - is such a scummy and unethical move that it goes beyond words. So, to summarise: I still have 4.400 euros on the platform tied into defaulted loans which I have no hopes of ever getting back. They have been defaulted for several years. My money will be eaten by "inactivity fees' long before they are ever recovered. So I have written them off as a lesson to myself to never invest in crowdfunding platforms ever again, no matter how good they look on paper! Avoid this as the plague!

This is how Estateguru legally scams & steals your money: Investor put their money in various projects/loans because the website "advises" you to diversify, resulting in several loans of small amounts running for many months. However, many of the loans are not paid back and take several years hoping to be resolved. As a result : 1) Inverstors do not put more money and stop investing waiting for their money back... So Estateguru very cleverly applies fees/penalties for "inactivity". Either you lose money by being active or you lose money by being inactive. Very smart business plan. 2) As most of the loans are "diversified" and split in many small amounts, it means that you receive little sums here and there but the moment you want to transfer this money on your account... you have withdrawl fees to pay which are very high compared to the little sums you receive and kills your profitablity (you actualy lose money) This forces you to leave the money on their accout and wait... but remember, when you wait you have fees/penalties or your money gets eaten by inflation. So if you take your money out you lose and if you leave it you lose. Very smart business plan Run away from this type of legal scams.

Alles verloren, Achtung Verbrecher!

Viele Kredite sind in Verzug. Vor allem in Deutschland. Die Einholungen ziehen sich auch schon seit bestimmt 2 Jahren ohne einen Erfolg. Weiterhin sind die Gebühren für das Geldabheben auf 3 Euro pro Transaktion gestiegen. Wenn man sein Geld komplett abheben möchte, wird es auch schwierig, da Estateguru nach 12 Monaten inaktivität 10 Euro pro Monat an Gebühren verlangt und nach 24 Monaten sogar 50 Euro pro Monat. Das ist schon eine Bereicherung vom Unternehmen und so bestimmt nicht rechtens, wenn man nur 500 Euro oder weniger auf dem Account hat. Weiterhin habe ich über das Portal mehrere Chatanfragen gestellt, welche seit Monaten nicht beantwortet werden. Dann habe ich an die E-Mail-Adresse auf der Homepage eine Mail geschickt, welche auch unbeantwortet bleibt. Ich werde jetzt Stück für Stück mein Investment dort reduzieren und das Geld wo anders anlegen.

mein Portfolio war breit gestreut und gut diversifiziert - leider sind die von Estateguru vorgelegten "Gutachten" nichts wert, wie sich bei einigen Ortsterminen (ich bin privat viel im Baltikum und in Finnland unterwegs) herausstellte und die Beleihungswerte passen in keinster Weise zu den Kreditbeträgen - ca. 60% meiner Kredite wurde notleidend - Aktivitäten von Estateguru zur Einholung sind nicht erkennbar, selbst wenn die Grundstücke von Auffanggesellschaften als Rechtsnachfolger gekauft worden sind und ich hierzu entsprechende Hinweise unter Beibringung der gerichtlichen Korrespondenz gebe - Estateguru verfügt weder über das erforderliche betriebswirtschaftliche noch juristische know-how - seit einiger Zeit ziehe ich mein Geld dort ab und investiere nur noch, um den Inaktivitätsgebühren zu umgehen

Not possible to withdraw money. BUT charging for not withdrawn money. Zero reaction to my 4th support request in several months. Scam

Taking out all my money from the platform, all time avarage interes 3.62%, not worth holding your money. Also they charge to take money out and if your have defaulted loans waiting for your money to come back then they will charge 10€ for additional 'inactive account' fee. Total scum business. Not recommending it.

80% meiner Investitionen sind seit 4 Jahren ausgefallen. EstateGuru ist es innerhalb dieser 4 Jahre nicht gelungen, den investierten Betrag zurückzuerhalten, obwohl immer mit einer sehr geringen Ausfallquote geworben wurde. Dazu kommen noch jede Menge versteckte und teils unverhältnismäßig hohe Kosten, wenn man Geld bei EstateGuru hat, das nicht investiert ist. Ich habe daher nicht mehr auf EstatGuru investiert, werde dies auch nicht mehr machen und kann nur jedem davon abraten.

EstateGuru promoted its risk management to attract investors. Yet almost all of the German loans went straight into default. In their updates, they claimed they were having difficulty recovering funds because the borrowers were "hostile." All of them? How is it possible that none attempted to repay? This suggests they may have loaned significant amounts to only a few individuals — which raises serious concerns about possible fraudulent activity within the company. When confronted, the CEO stated that they were conducting an internal investigation. But is that really acceptable? This situation demands a criminal investigation by the authorities, not a private internal review. Furthermore, the company should not be allowed to hide behind its "ongoing investigation." The CEO owes the public a full and transparent explanation of what happened. Personally, I would recommend contacting the Estonian government to request official action. PS. EG, do not bother replying with some "We understand your frustrations,"copy and paste nonese. Your actions show us you don't care.

Premetto che uso diverse piattaforme di P2P ma dopo anni questa ha dato i risultati peggiori, praticamente tutto in default ma questo era un rischio che da investitore ho accettato, il problema è la mancanza di rispetto verso tutti noi che abbiamo soldi bloccati e loro ci classificano come account dormiente... Non siamo dormienti, aspettiamo che si sblocchino i soldi per poterli ritirare.. invece loro applicano continuamente tasse unilaterali rubando soldi a tutti, aumentando di anno in anno le commissioni di prelievo e ora dicono 50 euro al mese per account dormiente. Spero vi facciano causa e vi mandano in liquidazione per avere tutti i nostri soldi indietro, siete dei disonesti.

Unloyal practises. In case you miss their email they charge you 10 euro for "inactive account". If I am lucky to get back my money from defaulted German loans I will never ever use this platform again!

In meinem breit gestreuten Portfolio - sind alle Kredite in Einholung und das seit gut 3 Jahren. Das Unternehmen interessiert sich NULL für seine Investoren und bekommt es nicht auf die Reihe das Geld zurück zu holen. Dann auch noch Strafgebühren wegen "Inaktivität" einem aufzubrummen, ist die größte Frechheit - warum soll ich noch auf einer Plattform aktiv investieren die sich nicht um das Kapital von einem schert. In my broadly diversified portfolio - all loans are in collection and have been for a good 3 years. The company has ZERO interest in its investors and can't seem to get the money back. Then to charge you penalty fees for “inactivity” is the biggest cheek - why should I still actively invest on a platform that doesn't care about your capital.

Terrible. Lost money. Money stuck in a loan for 4 years, they cannot repay it. And they are charging 10 € for my innactive account. How can I be active user if I don't get any money from it?

I’ve been on the platform since Covid. I’ve put in about £16k and withdrawn around £6k, including any earnings. Despite their repeated reassurances that “cases take time” and updates about collateral, over 30 of my loans have been in default and “in recovery” for more than two years. That means £10k of my capital is locked up in defaulted loans. It’s also incredibly difficult to track updates. You have to open each individual loan and scroll through long, generic, copy-pasted messages. If you’re considering where to invest your money, I’d strongly suggest looking elsewhere.

Nach dem Ausfall eines Kreditanbieters, der aufgrund mangelnder Prüfung überhaupt erst auf der Plattform aufgenommen wurde, wurden überzogene Gebühren eingeführt. Ich bin seit einen Jahr dabei meine ausgefallenen Kredite zu verkaufen und die Plattform macht es einen nicht leicht das zu tun. Man muss jeden Kredit einzeln, mit 2-Faktor-Authentifizierung, JEDE Woche zum Verkauf listen und hoffen, dass ihn jemand nimmt. Wenn das nicht passiert und man auch nicht investiert, weil man z.B. die Plattform verlassen will, bittet Estateguru einen zur Kasse. 10 Euro Inaktivitätsgebühr und wenn man Geld abheben will eine 3 Euro Gebühr. (Ich glaube einmal im Monat geht das kostenlos abzuheben, aber was soll das?) Es gibt soviel bessere P2P Plattformen.

Fees de 3euros pour un retrait. 10euros de frais par mois d'inactivité de compte. Pas de rentabilité car trop de défauts. En somme : du vol.

Wer beim Investieren potentiell 50€ Kontoführungsgebühr pro Monat haben will kann gerne dort Investieren. Ich bin sogar soweit zu sagen das dieses Unternehmen sich dem Straftatsbestand des Wuchers bezichtigt, aber Hauptsache den Sitz der Hauptgeschäftsstelle Deutschland am Kurfürstendamm in Berlin haben. Sie werden nicht lange bestehen glauben sie mir, sie haben mir mehrere 100€ Gebühren gestohlen weil ich nicht schnell genug meine Ausweis hochladen konnte (da deutsche Ämter), und somit ich vom GELDABHEBEN Gesperrt wurde. Verkaufen Sie die Kunden nicht als dumm.

I invested and utilized this platform, unfortunately for some years. NEVER put your money there. They have an approximately 27.45% default rate!!!! they do not do any concrete recovery process and they never update regarding the recovery process. They have a fee for sales on secondary market 3% (they charge it to you even if you sell the quote to a lower price to the one paid to buy the quote), fee to withdrawal money too of 3EUR, inactivity fee minimum 10EUR for month and others too! They are not able to work seriously, they do not know what they do, they are not able to select the project developers, they select companies with ridiculous financial and economical balances that none would ever borrow money to them, but estateguru does. Stay away from this scam. Their defaults last more than 4 years with no updates. They continuously publish projects with no filter and sense, just to gain more commissions possible. What make us very angry is that they spend lot of money advertising on youtube! For that they have the money. I reported them to the EU, I hope they will close and the EU authorities will freeze all their asset and patrimony of each one working there (last option very hard) and ban all these people to do any commercial activities.

Estateguru business did work before covid. After that time nothing went smooth. The repayments are delayed > 3 years or more. I have stopped all my investments and wait to get some back. But still only very limited repayments are done and the interesst are definitely lost. LTV < 50% is no protection if EstateGuru need more than 3 years to sell loan securities... Additional they increased fees... I have not accept the new AGBs, so no additional fees for me... I wait only for repayments and close my account afterwards...

Unless you never want to see your money again, DO NOT INVEST here.

As a professional with many years of experience in my field, I have always valued fairness and compliance with agreed terms. Unfortunately, my work with Estateguru did not meet these expectations. The company significantly delayed the payment of the amounts due and the payment was not made within the agreed deadline. Such an attitude speaks of a lack of professionalism and responsibility. Fairness is the basis of any successful partnership - something that was clearly lacking in this case.

ALL of my loans went unpaid for 4 years so I had to sell them 75% off to get some of my money back, again, after 4 years without seeing a penny. - RUN - Reply: i already lost 75% of my money, 4 of 4 loans unpaid, just run, that's a 100% loss rate.

Majority of my invested loans are in default around for few years.

A. 95% in default (nonostante abbia scelto gli investimenti meno rischiosi) B. Se non movimenti ti prelevano una commissione altissima mensile C. Se prelevi quei (pochissimi) soldi che entrano, ci piazzano una commissione fissa di 3 euro. Ti restituiscono 10 euro? Ne prelevi 7 e 3 li prendono loro. Lasci nel conto i 10 euro? Ti prelevano la commissione mensile di mancato investimento. Praticamente ti costringono a scegliere tra continuare ad investire nella loro fallimentare piattaforma, o prelevare lasciandogli una commissione spropositata. VERGOGNOSI!

Unbelievable financial fraud Why is the legal/financial system not intervening for clear fraud / poor financial business management? They keep disproportionally raising fees one-sided (wouldn't be surprised if they are close to bankruptcy). Even inactive account fees? 50 bucks a month? Have they lost their mind? In addition, they keep offering loans for which the borrower for example has 60 projects in recovery and 5 repaid; why would you even allow such scammers on your platform? Which low IQ CEO is leading this company?

Horrible company. More than 50% loans in default.Very userunfriendly. They dare to count even penalty to their customers, if they do not want to invest in their suspicient loans. I have lost several thousands eur with them. Do not invest any single EUR there. Monthly inactive account fee of €10.00 is pure thievery, because how are you supposed to invest in a new loan when you're almost certain to default. My opinion is that the company is teetering on bankruptcy.

Wenn ich könnte würde ich null Sterne geben!! Nur Verluste zu verzeichnen trotz sorgfältiger Prüfung! Einige 1000 Euro verloren. Sehr schlechter kundensupport! Absoluter Schrott! Nie wieder! Achtung! Finger weg !!

They started off quite well but after 40% of there loans defaulted in Germany and Finland it has been a clusterf... After 2 years of waiting I have lost hope in getting my money back since they just keep you in a bubble circle and no information gets out about the defaulted loans. They only advertise the success story and the so called promised 10-11% interest rate is actually 5% or less due all the defaulted loans. In short out of 22 loans I have 19 are defaulted.

No invirtais, es un timo, Sole te cobran dinero y las inversiones un Desaster. Bitte Investitionen nicht tätigen. Die werden nur Gebühren abkassieren.

The worst investing platform! I’ve lost about 40% of my investments. There’s no follow up on the loans in recovery process and if you decide not to invest anymore, the platform will eat money from your non paid back investments on a monthly basis after 12 months. CRAZY! DO NOT FALL ON THIS TRAP!

Seit bald drei Jahren sind laufend mehr meiner Investments notleidend, v.a. deutsche Kredite. Estateguru ist da wohl auf Betrüger reingefallen. Kommuniziert wird nichts, genausowenig wie scheinbar keine Inkassobemühungen erfolgreich sind. Bei angeblich pfandgesicherten Krediten müssten wenigstens Teilbeträge eingeholt werden können. Das Ganze ist das pure Gegenteil von den euphrischen Sprüchen auf der Website, wo es heisst: "Ein Pionier in der Immobilieninvestitionsbranche mit einer jahrzehntelangen Erfolgsbilanz von konsistenten Ergebnissen."

Deutsche Kredite werden seit Jahren nicht eingeholt. Auszahlungen werden nicht akzeptiert und über die Website abgelehnt. Achtung Betrug. Null Sterne wären angemessen. Finger weg.

Una vera disgrazia per noi investitori. Tanta fiducia data ad una compagnia "regolamentata" che si e' rivelata un totale fallimento. Si dovrebbero VERGOGNARE....(vediamo se così me la rimuovono....)

I tried years ago a little investment on this company, most of the projects went in default. I planned to recover the little as possible and exit, now they're threatening to charge my account 10 euro per month for being inactive, and what's worst is that the verification SMS code just after receiving their notice email doesn't work anymore, so I cannot log in to do any operation. They're clearly planning to rob customers - even very small investors like me - from their little earnings, which would never recoup what's lost anyway. This company must be pursued by lawyers with a collective action.

Finger weg! Der Grossteil meiner angelegten Gelder mit 5-stelligen Beträgen sind trotz "breiter Streuung" und "sorgfältiger" Prüfung der Kreditnehmer seitens Estateguru seit mehr als 18 Monaten in Einholung. Es passiert nichts. Stattdessen werden mittlerweile monatlich(!) 50 EUR (!) "Inaktivitätsgebühr" fällig, wenn man selbst kleinste zurückbezahlte Beträge von z.B. 20 Euro nicht sofort abhebt oder anlegt. Abheben kostet 3 Euro Servicegebühr. Statt also Anlegern - und von denen gibt es anscheinend sehr, sehr viele - welche viel Geld mit EstateGuru verloren haben, das Leben leichter zu machen, werden diese weiter abgezockt. Legt Euer Geld lieber in ETF an oder gebt es für Spenden, schöne Urlaube o.ä. aus. Bei EstateGuru wird es nur verbrannt.

10€ monatliche Gebühr bei Inaktivem Konto, wenn man 12 Monate nicht investiert. Dies kann man nur umgehen, indem man regelmäßig investiert oder das Geld auf dem Konto abzieht, was wiederum 3€ kostet. Sinnlose Gebühren um den Anleger zu schaden!

Thanks for the reply, but why did this fee increase from 10 to 50 eur? You backed it up saying according to our policy, your policy changes each time, so next time thia fee can be 100 eur and further 1000eur since it is your policy. Also you mentioned withdrawing funds free or charge, i am always charged 3 eur for 1 withdrawal,why is that? So lets say i have 10 eur in my account and i want to wait a bit to have more and with one go to withdraw them, bexause paying each time 3 eur is nonsence for such small amounts, but waiting is also not possible because you charge 50 eur, so what kind of scheme is this? Very bad and now they ate charging 50 eur inactuve account fee. I just want to get money out without puting them in again and they charge 50 eur if they see money in your account, previously it was 10, now 50 eur.

Scammer company with no customer support, only auto replies. 3 Years passed already and nothing is done with defaulted loans. Do not put money there and avoid ! All defaulted loans with nothing done: #7781 Bridge loan - 5.stage #9326 Development loan - 18.stage #7229 Development loan - 28.stage #2357 Development loan - 45.stage #8958 Development loan - 25.stage #1170 Development loan - 3.stage #0446 Bridge loan - 1.stage

Sie schaffen es nicht Ihre Aussenstände in Deutschland einzubringen, was als Risikoinvestment noch vertretbar ist. Eine Unverschämtheit ist es aber alle paar Wochen, 10 Euro Gebühr für das Konto nehmen zu wollen, weil ich nicht mehr investiere. Es gibt keine Einstellung alles, was ausgezahlt wird, direkt auf Konto zu überweisen. Ich muss ständig Manuell auf die Plattform und habe auch einmal diese Gebühr abgebucht bekommen.

Estategury writes now that they are aiming to resolve defaults as efficiently as possible and based on their extensive experience, a realistic time horizon for achieving a solution is within 3 to 5 years. The loans in my portolio were defaulted 3-4 years ago and they are still expecting 3-5 years recovery time. It should not take that long to take over the collateral and sell it. Imo they are jus giving nonsense explanations - first it was a bad market situation and then difficult borrowers etc. At some point they commented that recovery processes in Estonia and in Lithuania are smooth and still even those cases don't proceed, I guess it is normal to them to have 6-10 years recovery period - what aren't they telling??? It feels like a pull.

Seit zwei Jahren ist der Einholungsplan in Arbeit. Da passiert garnichts...doch, man bekommt alle drei Monate dieselbe Info. Der Einholungsplan ist in Fertigstellung bzw. in Arbeit.

Three loans are still in recovery for more than 3 years. I hear nothing.

Eine Haufen Dilettanten, die sich verzockt haben und nun die Anleger aufs Übelste abzocken, z. B. 50 € Inaktivitätsgebühr. Finger weg!!!

DO NOT PUT YOUR MONEY HERE YOU WILL LOOSE IT. I have invested since 2019. I invested small sums into different loans. My total return after 6 years is -40%. It will not be different for you, at first it seems legit until you understand that you will loose 100% of the money if the loan defaults. I have loans that are 5 years and still not recovered. Almost no loans get recovered and default rate is around 40%, just google it. Please don't give these people another dime. Edit: they have replied and I will deconstruct how they try to fool you: "Since the platform's launch, only three loans have resulted in a full principal write-off". "write-off" is a term they created. In practice there are hundreds of loans that sit there for 5-6 years. Everyone knows there's no chance that they will get recovered. Out of that 100 loans they choose 3 to "write off" and then claim "only 3 loans resulted in write-off". Yes, all investments carry risk, but THERE'S NO WAY FOR THEM TO LEGALLY VALIDATE THE MORGAGE SECURITY!!! And this fact is hidden from you. So your loans are NOT secured in practice. Combine that with 50% default rate and you'll get my results: after 6 YEARS of investment I LOST 40% of the money.

3eur fee just to withdraw your own money. absolute joke. Update: no other platform charges their customers to access their own funds, yet EG throws up the answer below. Lol.

Default della maggior parte dei progetti... Evitare.

I really regret having invested in Estateguru. Too many delayed projects + crazy high rates + terrible customer service = worst nightmare! Unfortunately I have nothing good to say about them. I DO NOT RECOMMEND them to anyone. Worst thing ever. Run away!!!

Trotz breiter Streuung und angegeblicher "Absicherung" sind 40% der Kredite ausgefallen. Zudem wird eine "Inaktivitätsgebühr" berechnet, wenn nicht weiter investiert wird. Finger weg, da wird nur Geld verbrannt!

Worst it is scam

If anyone wanna complain about Estateguru them write info AT Fi.ee (Finance Inspection) I also sued them. I belive they really Are scammers. Also info AT politsei.ee (Police)

Can anyone help, please? I started investing with this company in 2022 and initially, everything worked OK, but for the last 12 months it has been a real disaster. 40% of my investments (over 160K Euros) has been in a "recovery" status now for over 18 months (the entire German portfolio, 90% of the Finnish portfolio, over 30% of the Lithuanian portfolio. It obviously should not take this long to recover a loan irrespective of which jurisdiction it is in. I now believe this company is a complete scam (sitting on 67K Euros of my money). I would appreciate anyone's help on how to go about reporting this company for fraud and also, if anyone knows, how to try and get my funds back (even if it is just the original amount with no interest gains)

Finger weg von dieser Plattform. Leider keine 0 Sterne möglich. Bekommen es nicht auf die Reihe überfällige Kredite einzuholen. Durch dieses "inaktive" Kapital geht viel an Zinseinnahmen verloren. Und dann ziehen sie 10 Euro Inaktivitätsgebühr ein. Sehr dreist. Nie wieder, gibt viel bessere Plattformen die zuverlässig sind.

An online company that became a pirate financial crowdfunding company, with poor administrative management and no emergency fund to reimburse repayments to a multitude of clients, small investors, to ensure payment to large investors. What they owe you goes into the pocket of a large investor. They justify this by sending you messages with extensions, and you don't know if the project was actually executed or not so you can get your investment back, since you can only trust this company's word because there's no way to obtain reliable information on the progress of the projects. My final advice: report them; you can do so online, to the Estonian government, and future investors shouldn't even think of putting their money there. Estateguru are professional scammers.

It is a scam company. Impossible to withdraw (submitted three times the documents to review, different set of papers as my IBAN proof does not seem official enough to them and the second IBAN has a title in front of my name and they can not match it…). They continue to charge me for not continuing to lock even more money with them. You will not earn with them, they will rip you off.

After an endless circus of back-and-forth with this company, closing my account remains as achievable as finding logic in their customer service. Their 'procedure'? A masterclass in absurdity: demand redundant actions, pretend to process them, then loop back to step one like a broken record. Is their system glitched, or is this intentional sabotage? At this point, it’s a valid question. Either way, they’ve earned the gold medal in bureaucratic clownery. Pro tip: avoid this joke of a company unless you enjoy self-inflicted headaches."

EG is officially "dead site", they only try lure new investors to never ending trap and pretend that high amount of defaulted loans never happen. Some of my money (thousands of euro) are here stuck in default more than 4 years without progress, EG cheerfully post new articles and teach investors "how investing in estate work". A mockery for all investors. I think that just find a EG "legally" way how to scam investors by offering unverified and dubious products, now it is additionally covered by a number of new terms and conditions that are intended to limit the possibility of enforcement by investors. So they literally want say investors "say goodbye to your invested money". Fees and other things probably don't need to be mentioned. AVOID THEM AT ALL COST and i hope EG will be will be investigated soon and all investors will get back the money that is due to them..

Estatuguru war in der Vergangenheit für viele Jahre eine tolle Plattform und mit attraktiver Rendite jedoch hat sich Performance und Kosten seit ca. 2023 erheblich verschlechtert. Kernprobleme sind die relativ hohe Abhebegebühr von 3€ pro Abhebung, und die Einführung einer Inaktivitätsgebühr von 50€ PRO MONAT welche greift wenn keine neuen Investitionen getätigt werden aber alte Investitionen "entspart" oder in Rückholung sind. Die Plattform zwingt somit Kunden indirekt die ihr Geld abziehen wollen kontinuierlich Geld nachzuschießen um die Gebühr zu vermeiden. Ansonsten bleibt gerade bei kleineren Beträgen nicht mehr viel vom Ertrag oder vom noch übrig bleibenden Investment.

Non si può dare 0 stelle? Nel 2022 ho investito 5000€ nei loro 'progetti', progetti che dovevano darmi cedole e terminare entro 12 o 18 mesi. Ad Aprile 2025 ho rivisto circa 1300€ di quei 5000€ con la maggior parte di quei progetti andati in default! E questo non è tutto.. ultimamente più di una volta mi hanno levato tutti i soldi dal mio portafoglio dove si erano accumulati qualche decina di euro per le cedole maturate perché ti dicono che se per un tot di tempo non investi più nei loro progetti loro ti levano soldi dal conto!! Incredibile!! Tra l'altro soldi che non avevo girato nel mio conto perché ti facevano pagare 3€/bonifico, e su importi di 10/20€ mi sembrava ridicolo spenderli, ma ci si rende conto? Comunque ora è tutto in mano al mio avvocato! Statene altamente alla larga

Never make any further payments o͏r͏ e͏l͏s͏e͏ t͏h͏e͏y͏ w͏i͏l͏l͏ t͏a͏k͏e͏ y͏o͏u͏r͏ m͏o͏n͏e͏y͏ f͏o͏r͏ v͏a͏n͏i͏s͏h͏i͏n͏g͏ a͏n͏d͏ o͏n͏ t͏o͏p͏ o͏f͏ i͏t͏ d͏e͏n͏y͏ y͏o͏u͏ a͏ w͏i͏t͏h͏d͏r͏a͏w͏a͏l͏ o͏p͏t͏i͏o͏n͏. I͏ w͏o͏u͏l͏d͏ n͏e͏v͏e͏r͏ h͏a͏v͏e͏ g͏o͏t͏t͏e͏n͏ m͏y͏ m͏o͏n͏e͏y͏ o͏u͏t͏ i͏f͏ n͏o͏t͏ f͏o͏r͏ s͏o͏te͏r͏ig͏u͏a͏r͏d͏ i͏n͏ t͏h͏e͏ p͏i͏c͏t͏u͏r͏e͏.

Thousands of dollars to recover after years and when they finally recover 150 euros they charge me 50 of those euros as fee. This scam must be exposed.

Tasso di default molto alto e non correttamente comunicato all'inizio (investo dal 2022). La situazione sembra essere migliorata ultimamente a livello di chiarezza, quindi due stelle. Purtroppo il 30% dei miei investimenti è in default, alcuni sono senza aggiornamento da due anni. Hanno introdotto una fee di tre euro per i prelievi e una fee di inattività che si può evitare se si investe anche nel mercato secondario almeno una volta l'anno. È comunque possibile prelevare gratuitamente previa email nel caso di fee di inattività imminente (da verificare, io ho preferito piuttosto investire in mercato secondario qualche mese fa). Da valutare evoluzione ma ad oggi sconsigliato

Esperienza profondamente deludente: gran parte dei miei investimenti è in default da anni, nonostante abbia scelto solo progetti considerati prudenti. Nessuna trasparenza, aggiornamenti inesistenti e commissioni assurde anche su conti inattivi.

Horrible, they dont return my money back and aditional they are taking 50 euro per month because I am not investing... Of course not! you are one of my worst decision to invest...

Scam platform - stay away, stay away, they put your money in defaulted loans and in case anything is recovered they charge you 50 euros inactivity fee, essentially all invested money is gone.

I have worked more than 4 months on having my IPAN approved for returning my uninvested funds. I submitted documentation for 4 different accounts, some repeated, but after some days my documentation is just deleted without any reason.

Abzocke Firma

they will lock you money into a defalted loan and as soon as a partial repayment is made they will steal it from you as a forced inactivity fee. stay away. SCAM You lied in your answer. The account is inactive because I do not want to make new investments and I have money locked up in defaulted loans. So yes, it is still a SCAM

Most of the German portfolio of the platform went into default. I have long stopped investing but the platform still trying to keeps ripping me off on partial recoveries of defaulted loans by (a) charging me up to 50 EUR/month for idle balances on the platform and (b) continually increasing the withdrawal fees (which are unavoidable)

Unfortunately many investments defaulted and the company charges inactive fees of 100EUR+ per year when you are just waiting for money being refunded. Avoid this company, never start here.

They kept adding fees to it, and now I have been trying to leave the platform for almost year but I can't since I have a loan defaulted since April 2024.

La majeure partie des parties des projets en défaut, et la plateforme prélève des frais d'inactivité sur le peu qui versé sur le compte !! Statistiques bidons ! A fuir absolument !

95% pożyczek to jakieś fraudy, które nie są spłacane. Nikt nie informuje na bieżąco o postępie egzekucji nalezności z nieruchomości, większośc z tych niespłacanych pożyczek jest w statusie "odzyskiwanie" całe lata. Dawno powinny zostać sprzedane i przy deklarowanym LTV na poziomie 65% całośc pieniędzy powinna trafić z powrotem do inwestorów, jednak nic takiego się nie dzieje. Teraz wprowadzili opłate 50 EUR/miesiąc za tzw. nieaktywność i 3EUR za wypłatę środków !!! Jak można być aktywnym na platformie, która nie oddaje pieniędzy nie mówiąc o wypłacie jakichkolwiek odsetek ? Miesięcznie odzyskują 10-15 EUR i jeszcze żadają 3 EUR za wypłatę ??? + 50 EUR za brak inwestowania. Nie inwestujcie tam i trzymajcie się z daleka od tego scamu.

I invested a small amount a few years ago, but since then, I haven't seen any interest or even the principal—just promises. Now they don't even pick up the phone anymore. I don't recommend it.

The site is totally dead (France 8 March 2025, 07:30) one week after the 'upgrade' to new 'pretty' web pages. No response to the email I sent last week requesting help finding pages with the new website. This is very worrying for a financial website; be very carefull.

Remboursements en défaut depuis 2 ans + prélèvement de frais pour compte inactif (pour cause)

Absolute scam. Again, being charged a 50 EURO inactivity fee since I haven't invested with this bs platform for over 24 months. DESPITE all my loans on there being defaulted. Then they take a 3 euro withdrawal fee for any withdrawal, even though it's barely worth a few euro. So on this month, for example, I got paid back 5 euro and I either lose all 5 due to the inactivity fee, or I lose 60% of it due to the withdrawal fee. Complete scam.

Estateguru is a robbery, run away from them. Most loans are in recovery, particularly German loans, and for a very long time (think years). On top of that, they charge you 3€ for withdrawals and if you do not withdraw everything or invest, then they charge you 10€ per month for inactivity!! Neither of those charges existed when I invested my money. So tomorrow they could be even higher, if they feel like!! Wonderful business... for them!!!

Bin seit mehreren Jahren bei Estateguru Kunde. P2p mit Immobilien versichert. Eine relativ sichere Sache sollte man meinen. Allerdings hat in vielen Fällen Estateguru nachlässig recherchiert und so können die Kredite nicht mehr bedient werden, teilweusewerden sie auch über jahre in die Länge gezogen. Die KundInnen bleiben über. Was das Fass zumüberlaufen bringt, ist die Tatsache, dass Estateguru dafür die Gebühren saftig erhöht hat. Man bekommt also kein Geld zurück und darf dafür noch extra zahlen. Man (ich) fühlt sich abgezockt. Aus meiner persönlichen Erfahrung kann ich nur abraten bei Estateguru zu investieren.

By submitting a complaint through the profile picture name tag feature.. I succeeded in getting back my stolen funds.

AVOID putting your money there. They recently introduced 2 abusive fees: 1. They charge you 3€ every time you withdraw your available cash. 2. If you don't withdraw it, they charge you 10€ per month, as an inactive account penalty.

Large amount of money (loans) defaulted. The worse part they are not recovered for almost 2 years now and THE WORST part, they are introducing higher and higher fees for not investing in their platform. Want to withdraw your 50 recovered euros? Pay 3 eur. And because I havent invested for 24 months now, they are charging me 50 eur per month!!!! Please avoid this company.

Bekommen leider mein Geld seit Jahren nicht zurück

Achtung ! Betrugsverdacht. 100% Ausfall angeblich 1.rangig besicherter Kredite. Keine Informationen zum Verfahren und keine Reaktion zur Abwicklung.

Sleazy. Watch out for a ‘50 euro monthly inactivity fee’.

Ich möchte gerne NULL Sterne geben, aber das geht leider nicht. PURER SCAM! MÜLL! FINGER WEG! 10 meiner Investments sind seit Jahren "in Einholung". Es werden ab und an die gleichen Statusmeldungen neu angegeben: Sind in Abklärung, sobald der Kreditnehmer usw. Wenn man dann nachfragt bekommt man unhöfliche Rückmeldungen! Eine einzige Frechheit! MINTOS ist der selbe Lalala, nur bin ich da besser raus gekommen. Und was haben die lustigen Firmen alle gemeinsam? Den Firmensitz in Osteuropa!

Betrüger! Ich kann noch nachvollziehen, dass Kredite, die in Verzug sind, nur noch tröpfchenweise zurück geholt werden können und das Jahre dauert. Aber wenn man diese Tröpfchen auch nicht mal ansammeln und später mal auszahlen lassen kann, weil Estateguru verlangt, dass neue Investitionen getätigt werden sollen, sonst wird das Konto für Inaktivität belastet - das ist ein Betrug. Ich investiere doch nicht noch mehr, wenn Ihr mir ca. 1000€ noch schuldet, die ich auf diese Weise wohl nie mehr sehen werde. Gibt es eigentlich schon mal eine Sammelklage? Ich würd mich anschliessen.

So you have all my "safe" loans (i've only invested in the safest loans you offer) defaulting and therefore never enough profit to invest in the primary market (minimum is 50 euros). All offers on your secondary market are defaulted loans, so basically you are stealing 10 euros every month from the tiny amount of profit that trickles in from the 18 percent of non-defaulted loans I've invested in, unless I "entrust" you with more of my hard-earned money???!!!!

Since years, my balance keeps at €2.600 "In Einholung", without any penny paid out. Even though i spread to "save" countries and so on. How can you fraud that hard - and no one gets arrested at this company?!

Wenn du dein investiertes Geld zurück haben willst hast du Probleme mir ist es noch nicht gelungen mein Kapital zurückzuführen. Finger weg von solch einer Anlage. Es gibt bessere Anlagen und vor allen Dingen seriösere.