{"id":15020,"date":"2020-10-13T06:00:00","date_gmt":"2020-10-13T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/estateguru-experience-2023-360-degree-analysis-and-valuation\/"},"modified":"2026-09-28T17:50:02","modified_gmt":"2026-09-28T15:50:02","slug":"estateguru-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/","title":{"rendered":"Estateguru Review 2026"},"content":{"rendered":"<span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Estateguru is an Estonian crowdfunding platform regulated at EU level, on which investors can invest in real estate-secured loans and earn a return of up to 12%.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">With market experience dating back to 2013, Estateguru is one of the most established platforms in the P2P space. The company&#8217;s vision is to become the leading marketplace for short-term real estate-secured loans in Europe.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The aggressive expansion into new markets, particularly in Germany, has significantly deteriorated the loan portfolio performance and led to a notable increase in defaults.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform&#8217;s fee policy reflects a lack of respect towards retail investors and further highlights the company&#8217;s challenging financial situation.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#fdf5f5;border:1px solid #d64545;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am currently winding down my investment in EstateGuru, which I started in November 2018. My outstanding portfolio on the platform stands at 1.687 \u20ac. The total return (XIRR) to date is at -1,69%. Based on the platform&#039;s current risk profile, I advise against investing. This article is therefore deliberately not promoted through affiliate links.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><strong>Estateguru?<\/strong><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-estateguru\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10990 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/03\/EstateGuru-Bonus-P2P-Kredite.jpg\" alt=\"estateguru-bonus\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10990 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/03\/EstateGuru-Bonus-P2P-Kredite.jpg\" alt=\"estateguru-bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Estateguru is an Estonian P2P platform, launched in October 2013, where investors can invest in property and development loans from Europe with a minimum amount of EUR 50. The interest rate is often around 10%.<\/p>\r\n<p>The crowdfunding platform, which has been regulated at EU level since May 2023, pursued a sustainable and conservative growth strategy up until the coronavirus pandemic, making Estateguru a solid investment in volatile times.<\/p>\r\n<p>The aggressive growth trajectory from 2021 onwards, particularly with the expansion in Germany, has led to a massive deterioration in the performance of the loan portfolio. At its peak, more than EUR 135+ million of loans were in debt collection, which at times affected more than 60% of the managed loan portfolio.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Estateguru at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Estateguru at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>October 2013 \/ December 2014<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>EstateGuru O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/est\/company\/12558919\/EstateGuru-O%C3%9C?search_id=7e5b7b7&amp;pos=1\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Tallinn, Estonia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (ECSP License)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/aaldaniil\/\" target=\"_blank\" rel=\"noopener\"><strong>Daniil Aal<\/strong><\/a> (September 2025)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 188.6+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>160,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>10.1%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>3.8 \/ 10 (Rank 26 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Real Estate<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Mortgage<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><strong>The Origin Story<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22152 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story.png\" alt=\"\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22152 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Grundung-Estateguru-Review-Origin-Story-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/p>\r\n<p><a href=\"https:\/\/www.linkedin.com\/in\/marek-p%C3%A4rtel-02a2bb65\/\" target=\"_blank\" rel=\"noopener\"><strong>Marek P\u00e4rtel<\/strong><\/a> is an Estonian businessman who has extensive knowledge of the property sector, both as an investor and as a project developer.<\/p>\r\n<p>After experiencing first-hand that property financing from banks was progressing very slowly and was sometimes not even approved despite sufficient collateral, he came up with the idea of founding an alternative marketplace for property financing.<\/p>\r\n<p>Together with his two partners, Kaspar Kaljuvee (now CRO) and Marko Arro (now CFO), he then founded the Estateguru platform.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Estateguru is an Estonian P2P platform that specializes in financing real-estate-secured loans across Europe. The company primarily brokers short- to medium-term loans to property developers and small to medium-sized enterprises, which provide a first-rank mortgage on a property as collateral. Investors can participate in these projects with small amounts and, in return, receive interest payments made by the borrowers.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Monetarisierung-2025-Estateguru-Review-Monetization-Estateguru-Opiniones.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-25193 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Monetarisierung-2025-Estateguru-Review-Monetization-Estateguru-Opiniones.png\" alt=\"Estateguru-Review-2025-Monetization\" width=\"500\" height=\"239\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Monetarisierung-2025-Estateguru-Review-Monetization-Estateguru-Opiniones.png 654w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Monetarisierung-2025-Estateguru-Review-Monetization-Estateguru-Opiniones-300x143.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/239;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-25193\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Monetarisierung-2025-Estateguru-Review-Monetization-Estateguru-Opiniones.png\" alt=\"Estateguru-Review-2025-Monetization\" width=\"500\" height=\"239\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Monetarisierung-2025-Estateguru-Review-Monetization-Estateguru-Opiniones.png 654w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Monetarisierung-2025-Estateguru-Review-Monetization-Estateguru-Opiniones-300x143.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>A look at the latest annual report shows that Estateguru most recently generated revenue of EUR 8.3 million with its business model. The largest share comes from brokerage and commission fees charged to borrowers, which range between 2.5% and 4% of the loan amount. The fact that this position recently fell from 65% to just 34% of the total revenue clearly reflects the decline in new financings.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">A growing portion of the revenue is now directly linked to the poor performance of the loan portfolio. Due to the numerous delayed or defaulted loan projects, revenue from extension fees, penalty fees, as well as from debt management and debt recovery has risen sharply.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Since 2020, Estateguru increasingly monetizes itself through its investor base. This includes a 1% transaction fee for the sale of projects on the secondary market, an inactivity fee of EUR 10 per month (charged after 12 months of inactivity), an asset management fee of up to 0.96% p.a., and a withdrawal fee of EUR 3.<\/p>\r\n<h3>Estateguru On-Site Visit<\/h3>\r\n<p>There have been three in-person meetings with the Estateguru team in Tallinn: In October 2018, in September 2022 and most recently in May 2024 as part of my P2P Lending Trip through the Baltic States.<\/p>\r\n<p>The most recent conversation took place with then-CEO Mihkel Stamm and was particularly informative. The discussion focused on the recovery process for the German loan portfolio, the development of the platform following its aggressive expansion and the financial figures for 2023. Especially insightful were the details surrounding the German market, including the ongoing recovery proceedings, the expected capital losses and the internal investigations into former employees.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Estateguru News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Estateguru on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">18. September 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/estateguru-59-of-portfolio-in-recovery\/\" onclick=\"event.stopPropagation()\">Estateguru: 59% of Portfolio in Recovery<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Estateguru has published its figures for August. In the Baltic states, \u20ac4.82 million in new loans were financed, including \u20ac1.80 million in Estonia, \u20ac1.66 million in Lithuania, and \u20ac1.36 million in Latvia. At the same time, \u20ac6.82 million was repaid to investors. As a result, the portfolio shrank by around \u20ac2 million in August.<\/p>\n<p>The total outstanding portfolio now stands at \u20ac190.3 million, of which \u20ac112.9 million is currently in recovery. This corresponds to a share of 59.3%.<\/p>\n<\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind Estateguru? Let&#8217;s have a look!<\/p>\r\n<h3><strong>Estateguru <\/strong><span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Gesellschafter-Estateguru-Review-Ownership.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22157 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Gesellschafter-Estateguru-Review-Ownership.png\" alt=\"Estateguru-Review-Ownership\" width=\"500\" height=\"266\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Gesellschafter-Estateguru-Review-Ownership.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Gesellschafter-Estateguru-Review-Ownership-300x160.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/266;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22157 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Gesellschafter-Estateguru-Review-Ownership.png\" alt=\"Estateguru-Review-Ownership\" width=\"500\" height=\"266\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Gesellschafter-Estateguru-Review-Ownership.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-Gesellschafter-Estateguru-Review-Ownership-300x160.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Who owns Estateguru? The Baltic-based P2P platform is operated by the company &#8220;Estateguru O\u00dc&#8221;. This company in turn belongs to the parent company &#8220;Estateguru Holding O\u00dc&#8221;.<\/p>\r\n<p>If we look into the Estonian company register, we will find a large number of different shareholders for this company.<\/p>\r\n<p>The largest shareholders include:<\/p>\r\n<ul>\r\n<li>17.52% belong to &#8220;Meb Trust O\u00dc&#8221;, which is 100% owned by the Estonian &#8220;Kristjan-Thor V\u00e4hi&#8221;.<\/li>\r\n<li>17.23% belong to &#8220;Euro Holding O\u00dc&#8221;, which is 100% owned by the Estonian &#8220;Marek P\u00e4rtel&#8221;.<\/li>\r\n<li>11.09% belong to &#8220;Sparkle Holding O\u00dc&#8221;, 62.52% of which is owned by the Estonian &#8220;Marek P\u00e4rtel&#8221;.<\/li>\r\n<\/ul>\r\n<p>In accordance with IFRS standards, Marek P\u00e4rtel is the ultimate beneficial owner of Estateguru.<\/p>\r\n<h3><strong>Estateguru Management<\/strong><\/h3>\r\n<p data-start=\"48\" data-end=\"243\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-28880 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025.png\" alt=\"\" width=\"250\" height=\"250\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-768x768.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-70x70.png 70w\" data-sizes=\"(max-width: 250px) 100vw, 250px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/250;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-28880 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025.png\" alt=\"\" width=\"250\" height=\"250\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-768x768.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Management-Estateguru-Review-CEO-Estateguru-Opiniones-CEO-Estateguru-Avis-2025-70x70.png 70w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/noscript><\/a>In September 2025, <a href=\"https:\/\/www.linkedin.com\/in\/aaldaniil\/\" target=\"_blank\" rel=\"noopener\"><strong>Daniil Aal<\/strong><\/a> has been appointed as the new CEO of Estateguru. He thus follows <a href=\"https:\/\/www.linkedin.com\/in\/mihkelstamm\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Mihkel Stamm<\/strong><\/a>, who previously headed the operational leadership of the P2P platform for two and a half years.<\/p>\r\n<p data-start=\"245\" data-end=\"448\">A long training or settling-in period will probably not be necessary for Daniil Aal, as he had already been working for Estateguru in various positions for 10 years prior, most recently as COO.<\/p>\r\n<p data-start=\"450\" data-end=\"712\">Somewhat disappointing was <a href=\"https:\/\/t.me\/rethink_p2p\/169\" target=\"_blank\" rel=\"noopener\"><strong>his first publication in his new position on LinkedIn<\/strong><\/a>, where the improvement of debt collection processes and progress in the recoveries of the defaulted portfolio were not included among his four main points for further development.<\/p>\r\n<hr \/>\r\n<h2>Sign Up<\/h2>\r\n<p>On Estateguru, both natural and legal persons can register on the plaform. The only requirements are a minimum age of 18 and a European bank account. Funds are transferred directly to Lemonway, which is the platform&#8217;s partner bank that ensures a proper segregation of funds.<\/p>\r\n<p>The registration process at Estateguru is very simple and intuitive. After opening an account via email, the KYC and AML questionnaires must be filled out. This is followed by the verification of identity and the declaration of tax residence.<\/p>\r\n<hr \/>\r\n<h2>Investing on Estateguru<\/h2>\r\n<p>How does Estateguru work and what should investors know and consider when investing on the plaform? In the following sections of my Estateguru review you will find all the necessary information that you need.<\/p>\r\n<h3><strong>Loan Offering<\/strong><\/h3>\r\n<p>On Estateguru, investors can invest in three different types of loans:<\/p>\r\n<ul>\r\n<li><strong>Development loans: <\/strong>these are loans used to finance either the planning process of a property or the development\/construction of the property itself.<\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">Bridge loans: <\/strong>Also known as interim financing, these often short-term loans are used to bridge temporary liquidity bottlenecks. As a rule, these loans are usually redeemed by another loan after a short term.<\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">Business loans: <\/strong>these loans are used to support the day-to-day operations of a business, which may include, but are not limited to, business expansion, the purchase of equipment and goods, or to cover outstanding obligations.<\/li>\r\n<\/ul>\r\n<p>Currently, Estateguru offers loan financing in eight different countries. In addition to the Baltic countries, these include Finland, Germany, Spain, Portugal and Sweden.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19018 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite.png\" alt=\"Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite\" width=\"1000\" height=\"411\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite-300x123.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite-768x316.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/411;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19018\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite.png\" alt=\"Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite\" width=\"1000\" height=\"411\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite-300x123.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Erfahrungen-Kreditnehmer-P2P-Kredite-768x316.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The biggest funding sources for the loan portfolio are private retail investors, high net worth individuals and family offices. The proportion of financing from institutional investors, which has risen steadily in recent years and in some cases accounted for up to 30% of the total portfolio, has now fallen to 5%.<\/p>\r\n<h3>EG Grow<\/h3>\r\n<p>In June 2025, Estateguru launched \u201cEG Grow\u201d. Its new product is an automated investment option where the P2P platform selects the property-backed loans on behalf of the investor.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28100 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow.png\" alt=\"Estateguru-Review-EG-Grow\" width=\"1400\" height=\"525\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow.png 1400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow-300x113.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow-1024x384.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow-768x288.png 768w\" data-sizes=\"(max-width: 1400px) 100vw, 1400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1400px; --smush-placeholder-aspect-ratio: 1400\/525;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28100\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow.png\" alt=\"Estateguru-Review-EG-Grow\" width=\"1400\" height=\"525\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow.png 1400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow-300x113.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow-1024x384.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Estateguru-Erfahrungen-EG-Grow-Estateguru-Review-EG-Grow-Estateguru-Opiniones-EG-Grow-Estateguru-Avis-EG-Grow-768x288.png 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/noscript><\/a><\/p>\r\n<p>The clear similarity to the Estonian alternative <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a> is reflected not only in the name but also in EG Grow\u2019s main features: simplicity, a fixed interest rate, and broad diversification.<\/p>\r\n<p>Investors who choose EG Grow are offered a net return of 7%, with interest paid out monthly. The principal, however, is repaid according to the individual loan terms. An early exit \u2013 unlike with Bondora Go &amp; Grow \u2013 is therefore not possible. The minimum investment amount is EUR 100.<\/p>\r\n<h3><strong>Costs and Fees<\/strong><\/h3>\r\n<p>There are many fees that have been added in recent years for Estateguru investors. Here is an overview:<\/p>\r\n<ul>\r\n<li>1% Transaction fee for selling on the secondary market<\/li>\r\n<li>EUR 3 Withdrawal fee<\/li>\r\n<li>EUR 10 Inactivity fee (per month)<\/li>\r\n<li>0.96% p.a. assets under management fee<\/li>\r\n<\/ul>\r\n<p>Especially the introduction of the assets under management fee, in October 2023, has caused dissatisfaction among many investors. As a result, investors have to give up up to 0.6% (now 0.96%) in annual returns on a properly performing portfolio. Considering the poor performance of the loan portfolio, which has already forced investors to adjust their return expectations downwards, the timing of this introduction could hardly be worse.<\/p>\r\n<p>In addition, the withdrawal fee has also increased to EUR 3 from 1 June 2024. This is a clear indication that Estateguru wants to earn extra money from the exit of many investors. However, it should be questioned whether the additional income is in proportion to the reputational damage (<a href=\"https:\/\/de.trustpilot.com\/review\/estateguru.co\" target=\"_blank\" rel=\"noopener\"><strong>see Trustpilot<\/strong><\/a>) and that this will probably scare away the last and undecided 50-50 investors who initially wanted to wait for the performance of the recoveries.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18007 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees.png\" alt=\"Estateguru-Review-Fees\" width=\"1000\" height=\"175\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees-300x53.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees-768x134.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/175;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18007\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees.png\" alt=\"Estateguru-Review-Fees\" width=\"1000\" height=\"175\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees-300x53.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Estateguru-Review-Fees-768x134.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The full price list can be reviewed on <a href=\"https:\/\/estateguru.co\/price-list\/\" target=\"_blank\" rel=\"noopener\"><strong>this page<\/strong><\/a>.<\/p>\r\n<h3><strong>Expected Returns<\/strong><\/h3>\r\n<p data-start=\"50\" data-end=\"142\">According to the platform, the average return achieved on Estateguru is said to be 10.07%.<\/p>\r\n<p data-start=\"144\" data-end=\"487\">My personal investment experience goes back to November 2018. During this time, I was able to achieve a total return of 5.08%, with the lack of recoveries indicating that the return will deteriorate even further. To visualize the impact of increasing defaults, here is an overview of my personal annual return on Estateguru and how it has developed over the years.<\/p>\r\n<p data-start=\"144\" data-end=\"487\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28884 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements.png\" alt=\"\" width=\"2000\" height=\"773\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-300x116.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-1024x396.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-768x297.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-1536x594.png 1536w\" data-sizes=\"(max-width: 2000px) 100vw, 2000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/773;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28884\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements.png\" alt=\"\" width=\"2000\" height=\"773\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-300x116.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-1024x396.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-768x297.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Rendite-Estateguru-Review-Return-Estateguru-Opiniones-Rentabilidad-Estateguru-Avis-Rendements-1536x594.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/noscript><\/a><\/p>\r\n<h3><strong>Auto Invest<\/strong><\/h3>\r\n<p>Investors have three different ways on how to invest on the platform:<\/p>\r\n<ul>\r\n<li>Manual loan selection on the primary market<\/li>\r\n<li>Manual loan selection on the secondary market<\/li>\r\n<li>Automated investing on the primary market<\/li>\r\n<\/ul>\r\n<p>With the Estateguru Auto Invest feature, investors have the option to set predefined criteria for their loan selection, thus passively managing the investment. Possible configuration criteria include:<\/p>\r\n<ul>\r\n<li><strong>Investment amount:<\/strong> From EUR 50 (but with limited filtering options)<\/li>\r\n<li><strong>Interest rate:<\/strong> 8% to +11%<\/li>\r\n<li><strong>Loan period:<\/strong> Up to 60 months<\/li>\r\n<li><strong>Loan-to-value:<\/strong> Up to 75%<\/li>\r\n<li><strong>Collateralization:<\/strong> First-rank or second-rank mortgage<\/li>\r\n<li><strong>Borrower country<\/strong>: Estonia, Latvia, Lithuania, Finland, Germany, Spain, Portugal, Sweden<\/li>\r\n<\/ul>\r\n<p>The full Auto Invest selection options can only be used with a minimum investment amount of \u20ac250 per loan. For those who have less money available on Estateguru, it is recommended to select loans manually first to achieve better diversification.<\/p>\r\n<h3>Liquidity<\/h3>\r\n<p>The average loan term is around 12 months, which is an average length for this loan segment. Those who need more liquidity can use the secondary market on Estateguru (3% transaction fee) or the instant exit option (for 35% discount). If this doesn&#8217;t offer enough liquidity for you, then you should look for other P2P platforms.<\/p>\r\n<hr \/>\r\n<h2><strong>Estateguru Taxes<\/strong><\/h2>\r\n<p>In general, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration. Unlike other P2P platforms, Estateguru does not withhold taxes on interest income.<\/p>\r\n<p>Through the dashboard, investors can download an extract of the tax report for the given year, where the corresponding income is listed.<\/p>\r\n<hr \/>\r\n<h2><strong>Estateguru Risks<\/strong><\/h2>\r\n<p>Investors should take a very close look at the existing risk when evaluating a P2P platform, and assess it before a possible investment. What should one pay attention to with Estateguru? Where do the risks lie and how should these be assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>The Estateguru platform, operated by the Estonian company &#8220;Estateguru O\u00dc&#8221;, launched its operations in October 2013. In its dometsic market, the platform is supervised and monitored by the Estonian financial supervisory authority (Finantsinspektsioon).<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 26 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#E24B4A\">3.8<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--high\">High Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:60%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">12 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:52%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">13 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--bad\">-17<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <div class=\"ss-rf-cluster\">\n        <div class=\"ss-rf-cluster-title\">Cluster A: Governance Issues <span class=\"ss-rf-cluster-pts\">(-10)<\/span><\/div>\n        <div class=\"ss-rf-item\">Governance failure in the German management team <span class=\"ss-rf-pts\">-10<\/span><\/div>\n      <\/div>\n      <div class=\"ss-rf-cluster\">\n        <div class=\"ss-rf-cluster-title\">Cluster B: Misrepresentation &amp; Lack of Transparency <span class=\"ss-rf-cluster-pts\">(-7)<\/span><\/div>\n        <div class=\"ss-rf-item\">Misleading performance reporting of the loan portfolio <span class=\"ss-rf-pts\">-7<\/span><\/div>\n      <\/div>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>Regulation and Licence<\/h4>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-6141 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona.jpg\" alt=\"estateguru-avis-risques\" width=\"500\" height=\"333\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona.jpg 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona-300x200.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona-768x512.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona-120x80.jpg 120w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/333;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-6141 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona.jpg\" alt=\"estateguru-avis-risques\" width=\"500\" height=\"333\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona.jpg 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona-300x200.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona-768x512.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2020\/03\/EstateGuru-Krise-Corona-120x80.jpg 120w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>In May 2023, the Estonian financial supervisory authority (Finantsinspektsioon) approved the licence allowing Estateguru to operate as a service provider under the European Crowdfunding Regulation (ECSP). This enables the platform to offer its services across the EU under a unified regulatory framework, without requiring a separate authorisation in each member state.<\/p>\r\n<p>Unlike MiFID II-regulated platforms, investors have no entitlement to compensation through an investor compensation scheme. Loan defaults or a potential insolvency of borrowers are also not covered by the regulation.<\/p>\r\n<p>The ECSP regulation does, however, prohibit platforms from listing projects connected to affiliated companies or insiders. Through its regulatory status, Estateguru is also required to meet a high standard of compliance and transparency, including the publication of audited financial reports.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>The ECSP licence requires Estateguru to maintain a strict separation between investor funds and the company&#8217;s own operating funds. For this purpose, the platform works with Lemonway. This means that in the event of Estateguru ceasing operations, investors retain access to their funds and loan repayments can continue in an orderly manner.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28888 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque.png\" alt=\"\" width=\"1000\" height=\"245\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque-300x74.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque-768x188.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/245;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28888\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque.png\" alt=\"\" width=\"1000\" height=\"245\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque-300x74.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Risiko-Estateguru-Review-Risk-Estateguru-Opiniones-Riesgo-Estateguru-Avis-Risque-768x188.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Investments offered through Estateguru are not covered by a national or European deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Estateguru able to operate profitably? And what conclusions can be drawn from the balance sheet?<\/p>\r\n<h4>Profitability<\/h4>\r\n<p>Is Estateguru profitable? No, Estateguru is not. According to last year&#8217;s annual report, the company recorded a negative result of EUR 2.33 million. This means Estateguru has been unprofitable for the past five years in a row.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-25190 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad.png\" alt=\"Estateguru-Review-2025-Profitability\" width=\"1000\" height=\"444\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad-300x133.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad-768x341.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/444;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-25190\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad.png\" alt=\"Estateguru-Review-2025-Profitability\" width=\"1000\" height=\"444\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad-300x133.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-Profitabilitat-2025-Estateguru-Review-Profitability-Estateguru-Opiniones-Rentabilidad-768x341.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Estateguru has attempted to reduce costs compared to the previous year. For instance, the company cut over EUR 2 million in labour expenses. However, expenditures remained too high to be offset by the slight increase in turnover.<\/p>\r\n<div>\r\n<h4><strong>Balance Sheet<\/strong><\/h4>\r\n<p>Estateguru&#8217;s balance sheet has significantly deteriorated due to the latest key financial figures. The total assets have declined further, and negative equity has risen to nearly EUR 2 million. Additionally, the liquidity ratio has dropped below 1, indicating that current liabilities now exceed current assets.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-25196 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones.png\" alt=\"Estateguru-Review-2025-Balance-Sheet\" width=\"1000\" height=\"366\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones-300x110.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones-768x281.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/366;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-25196 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones.png\" alt=\"Estateguru-Review-2025-Balance-Sheet\" width=\"1000\" height=\"366\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones-300x110.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Estateguru-Erfahrungen-2025-Bilanz-Estateguru-Review-Balance-Sheet-Estateguru-Opiniones-768x281.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The company urgently requires support from its shareholders or an external financing round to service its liabilities and avoid the worst-case scenario of potential insolvency. While Estateguru began an economic consolidation process in 2023, it remains uncertain whether this alone will be sufficient.<\/p>\r\n<hr \/><\/div>\r\n<h3 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">Loan Originator Defaults<\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Review-Default-Loans.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19028 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Review-Default-Loans.png\" alt=\"estateguru-opiniones-Default-Loans\" width=\"400\" height=\"303\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Review-Default-Loans.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Review-Default-Loans-300x228.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/303;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19028\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Review-Default-Loans.png\" alt=\"estateguru-opiniones-Default-Loans\" width=\"400\" height=\"303\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Review-Default-Loans.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Estateguru-Review-Default-Loans-300x228.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>Since 2022, Estateguru has been increasingly struggling with loan defaults, particularly in Germany and Finland. As of August 2025, EUR 133.6 million was in recovery, representing a default rate of more than 60% of the platform&#8217;s managed loan portfolio.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">Of the EUR 38 million in recoveries announced for 2024, only EUR 13 million was actually realised, while a similar volume of new defaults occurred during the same period.<\/p>\r\n<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">Germany<\/h4>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">With more than EUR 78 million in recovery (August 2025), Germany is by far the most problematic market for Estateguru. In <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/estateguru.co\/blog\/de\/36003\/\">January 2023<\/a><\/strong>, the platform announced an internal investigation into its German employees over possible violations of internal guidelines. Following the conclusion of the investigation, the CEO only stated that external irregularities had been identified. Notably, Estateguru had communicated as recently as September 2022 <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/rethink-p2p.de\/en\/estateguru-defaults-2022\/\">that lending decisions could not be made exclusively by the German team<\/a><\/strong>.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28892 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne.png\" alt=\"\" width=\"1000\" height=\"256\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne-300x77.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne-768x197.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/256;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28892\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne.png\" alt=\"\" width=\"1000\" height=\"256\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne-300x77.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Estateguru-Erfahrungen-Deutschland-Estateguru-Review-Germany-Estateguru-Opiniones-Alemania-Estateguru-Avis-Allemagne-768x197.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">To recover the defaulted loans, Estateguru has been working with <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/steinberg.management\/\">Steinberger<\/a><\/strong> since 2023, alongside with an in-house team of lawyers and risk managers. Annual costs for this effort amounted to approximately EUR 1 million in 2023. As each defaulted loan is being handled individually, the recovery timeline is now estimated at between 3 and 5 years.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">In an <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/rethink-p2p.de\/en\/estateguru-ceo-interview-2024\/\">interview in June 2024<\/a><\/strong>, then-CEO Mihkel Stamm estimated potential losses at between 10% and 20%, while noting that a full capital recovery remained possible in an optimistic scenario.<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Estateguru.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2013<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> License holder under the EU Crowdfunding Regulation (ECSP)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Investor Funds:<\/strong> Legally supervised separation of investor and company funds<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> Audited financial statements are published on a regular basis<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Automated investment option available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Secondary market, short maturities or early exit possible<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Market Size:<\/strong> More than EUR 100 million in assets under management<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> Investors have already incurred capital losses on the platform<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Profitability:<\/strong> Platform is currently not operating on a profitable level<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> Fees or costs applicable for investors<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Portfolio Quality:<\/strong> Exceptionally high default rate (&gt; 25%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Collections:<\/strong> Limited recoveries of defaulted loans<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Policy Violations:<\/strong> Investigations against German team members<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Conflicts of Interest:<\/strong> In the past, loans have not been fully repaid in which persons from the Estateguru management were involved<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>Summary Estateguru Review<\/strong><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-2024-Estateguru-Review-2024-CEO-Mihkel-Stamm-Ausfalle.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-21457 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-2024-Estateguru-Review-2024-CEO-Mihkel-Stamm-Ausfalle.jpg\" alt=\"Estateguru-Review-2024-Defaults\" width=\"500\" height=\"540\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-2024-Estateguru-Review-2024-CEO-Mihkel-Stamm-Ausfalle.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-2024-Estateguru-Review-2024-CEO-Mihkel-Stamm-Ausfalle-278x300.jpg 278w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/540;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-21457 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-2024-Estateguru-Review-2024-CEO-Mihkel-Stamm-Ausfalle.jpg\" alt=\"Estateguru-Review-2024-Defaults\" width=\"500\" height=\"540\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-2024-Estateguru-Review-2024-CEO-Mihkel-Stamm-Ausfalle.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Estateguru-Erfahrungen-2024-Estateguru-Review-2024-CEO-Mihkel-Stamm-Ausfalle-278x300.jpg 278w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>What is the final verdict of my Estateguru review?<\/p>\r\n<p>For years, Estateguru has been an attractive option to diversify its loan portfolio with property projects. The platform was established, pursued a conservative risk management approach and delivered stable returns.<\/p>\r\n<p>Due to the platform&#8217;s aggressive expansion strategy from 2021 onwards, Estateguru may have jeopardized its own future. At times, defaults have reached a level of more than EUR 135 million, while there was hardly any noticeable progress on the recovery side as well. Looking at these conditions, coupled with the investor-unfriendly fee structure, the expected returns on the platform are hardly competitive.<\/p>\r\n<p>As long as there is no recognisable progress in recoveries, it is advisable to watch Estateguru from the sidelines for the time being.<\/p>\r\n<p>If investors still want to diversify their portfolio with property-backed loans, platforms such as <a href=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Crowdpear<\/strong><\/a> or <a href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Profitus<\/strong><\/a> are worth a closer look. The reviews for both Estateguru alternatives can be found on the blog.<\/p>\r\n<hr \/>\r\n<h3><strong>Estateguru Alternatives<\/strong><\/h3>\r\n<p>Already invested in Estateguru? Or looking for similar platforms? Here are three Estateguru alternatives from the P2P market.<\/p>\r\n<p><strong>Crowdpear:<\/strong> A regulated crowdfunding marketplace based in Lithuania. Focus on mortgage-secured real estate loans from the Baltic region. Crowdpear was built by the same team behind the P2P marketplace PeerBerry and stands out through a strong loan portfolio performance and a high level of transparency. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Crowdpear review<\/strong><\/a>.<\/p>\r\n<p><strong>Profitus:<\/strong> A regulated P2P marketplace that is based in Lithuania. Focus on mortgage-secured business loans. Similar to Estateguru, Profitus concentrates on the real estate-backed lending segment, with the difference of a more geographically focused borrower market and a notably strong loan portfolio performance to date. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Profitus review<\/strong><\/a>.<\/p>\r\n<p><strong>LANDE:<\/strong> A regulated crowdfunding marketplace based in Latvia. Focus on secured agricultural loans. Compared to Estateguru, LANDE offers an interesting diversification opportunity outside of classical real estate lending, with a stable loan portfolio performance and solid financial figures. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/lande-review\/\" target=\"_blank\" rel=\"noopener\"><strong>LANDE review<\/strong><\/a>.<\/p>\r\n<p>Other Estateguru alternatives can be found in the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans are subject to risks and can lead to a total loss of capital. Past performance is not an indicator of future results. All content is for informational purposes only and does not constitute investment advice. No liability is assumed for the accuracy of the following information, nor for any investment decisions that may be derived from it. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2>FAQ Estateguru Review<\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1602603005977\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Estateguru?<\/strong>\r\n<p class=\"schema-faq-answer\">Estateguru is an Estonian P2P platform regulated under the EU Crowdfunding Regulation (ECSP), where investors have been able to invest in real estate secured loans since 2013. Interest rates typically range between 7% and 12% depending on the project and product.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1615568104572\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I expect from Estateguru?<\/strong>\r\n<p class=\"schema-faq-answer\">The platform states an average return of 10.07%. My personal total return since 2018 stands at 5.08% and is likely to deteriorate further due to outstanding recoveries. The massive loan default rate makes realistic return expectations very difficult to calculate.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1602603048663\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What are the biggest risks at Estateguru?<\/strong>\r\n<p class=\"schema-faq-answer\">The main issue is the catastrophic portfolio quality. In August 2025, \u20ac133.6 million was in recovery, representing more than 60% of the managed loan portfolio. Germany alone accounts for over \u20ac78 million in defaults. Recovery progress has been very limited.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1602603153767\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Estateguru profitable?<\/strong>\r\n<p class=\"schema-faq-answer\">No. Estateguru has not been profitable for years. The most recent financial report showed a loss of \u20ac2.33 million. Negative equity has risen to nearly \u20ac2 million and the liquidity ratio has fallen below the critical threshold of 1.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1773819503361\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Is investing on Estateguru worthwhile?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Not at the moment. Due to the high default rate, limited recovery progress, an investor unfriendly fee structure, and the company&#8217;s difficult financial situation, I recommend watching Estateguru from the sidelines for now. For real estate secured investments, I recommend Crowdpear or Profitus as alternatives.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36680,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Estateguru Review 2026: Disaster! (What Happened?)<\/title>\n<meta name=\"description\" content=\"Estateguru Review 2026: Disaster! 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The massive loan default rate makes realistic return expectations very difficult to calculate.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603048663\",\"position\":3,\"url\":\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603048663\",\"name\":\"\u2705 What are the biggest risks at Estateguru?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main issue is the catastrophic portfolio quality. In August 2025, \u20ac133.6 million was in recovery, representing more than 60% of the managed loan portfolio. Germany alone accounts for over \u20ac78 million in defaults. Recovery progress has been very limited.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603153767\",\"position\":4,\"url\":\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603153767\",\"name\":\"\u2705 Is Estateguru profitable?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Estateguru has not been profitable for years. The most recent financial report showed a loss of \u20ac2.33 million. Negative equity has risen to nearly \u20ac2 million and the liquidity ratio has fallen below the critical threshold of 1.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1773819503361\",\"position\":5,\"url\":\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1773819503361\",\"name\":\"\u2705 Is investing on Estateguru worthwhile?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not at the moment. Due to the high default rate, limited recovery progress, an investor unfriendly fee structure, and the company's difficult financial situation, I recommend watching Estateguru from the sidelines for now. For real estate secured investments, I recommend Crowdpear or Profitus as alternatives.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Estateguru Review 2026: Disaster! 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Interest rates typically range between 7% and 12% depending on the project and product.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1615568104572","position":2,"url":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1615568104572","name":"\u2705 What returns can I expect from Estateguru?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The platform states an average return of 10.07%. My personal total return since 2018 stands at 5.08% and is likely to deteriorate further due to outstanding recoveries. The massive loan default rate makes realistic return expectations very difficult to calculate.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603048663","position":3,"url":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603048663","name":"\u2705 What are the biggest risks at Estateguru?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The main issue is the catastrophic portfolio quality. In August 2025, \u20ac133.6 million was in recovery, representing more than 60% of the managed loan portfolio. Germany alone accounts for over \u20ac78 million in defaults. Recovery progress has been very limited.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603153767","position":4,"url":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1602603153767","name":"\u2705 Is Estateguru profitable?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Estateguru has not been profitable for years. The most recent financial report showed a loss of \u20ac2.33 million. Negative equity has risen to nearly \u20ac2 million and the liquidity ratio has fallen below the critical threshold of 1.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1773819503361","position":5,"url":"https:\/\/rethink-p2p.de\/en\/estateguru-review\/#faq-question-1773819503361","name":"\u2705 Is investing on Estateguru worthwhile?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Not at the moment. Due to the high default rate, limited recovery progress, an investor unfriendly fee structure, and the company's difficult financial situation, I recommend watching Estateguru from the sidelines for now. For real estate secured investments, I recommend Crowdpear or Profitus as alternatives.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15020"}],"collection":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/comments?post=15020"}],"version-history":[{"count":122,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15020\/revisions"}],"predecessor-version":[{"id":37094,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15020\/revisions\/37094"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media\/36680"}],"wp:attachment":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media?parent=15020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}