Investing in real estate with €50? Today you can: discover the EvoEstate portal and start investing in the brick with minimum sums
Today it is possible to invest in real estate projects even having smaller sums thanks to EvoEstate, the real estate investment marketplace that collects the projects of over 19 partner platforms located in 15 countries in a single dashboard.
One of the advantages offered by this platform is that, in the event of an emergency that causes the need for immediate liquidation of your investments, you can immediately sell the projects you have invested in by taking advantage of a secondary market.
So let’s discover together everything there is to know about the EvoEstate crowdfunding.
What is EvoEstate
EvoEstate it is a platform of Real estate crowdfunding internationally recognized that allows you to view, evaluate and invest in real estate transactions belonging to three different types:
- Rent for a rental
- Lots at a fixed rate
- Equity
Investing in rent is, in fact, the property to own a small part of a property. This type of investment naturally enjoys a lower risk and you can expect an annual return of 3-6%.
Investing, instead, in fixed-rate loans, you become in effect as a bank, which provides financing to real estate development companies. This type of investment has a greater degree of risk than the previous one, but still has real estate guarantees that in case of non-compliance can protect your investment.
With fixed rate loans you can expect to earn even 8-13% annual return.
Finally, we have equity investing which is the highest risk but also the highest return one. It allows you to become a co-owner of a company, so you can expect to earn even between 14-30% a year. However, as an entrepreneur he does not only participate in gains but also in losses, so you have to pay the utmost attention because there is always the risk that you will lose your capital.
As you will have understood, EvoEstate, unlike other platforms that deal with investment and real estate financing, is a platform that offers real estate investment opportunities that fall both in the lending crowdfunding category (i.e. the loan from the bottom or peer-to-peer loan in real estate projects) and in the Equity one.
How does EvoEstate work
In the case of lending crowfunding, the investor effectively lends his money to a company that in turn is carrying out a real estate investment project. The gain is, therefore, constituted by the invested capital plus the interest accrued on the amount lent.
Equity crowdfunding In real estate, on the other hand, it is nothing more than a way of raising risk capital used to finance real estate projects through investments made by private individuals using an online platform such as EvoEstate.
Specifically, those who intend to raise funds, i.e. the bidder company, propose through the portal their project to users, i.e. investors. The return on investment is not represented, as in the case of real estate crowlending, the capital and the accrued interest, but by the possibility of subscribing to shares/shares through the capital increase mechanism.
Investing, therefore, on EvoEstate with the Equity Crowdfunding mode, investors subscribe to the shares of the bidder company, becoming in all respects members of the latter.
It must be said, however, that at the moment most of the investments proposed by this portal fall into the category of peer-to-peer Lending Crowdfunding.
Let’s see how it works in detail.
How to invest with EvoEstate
In EvoEstate, investors can then invest in different types of projects originating from many types of organizations and companies.
There are no commissions for the use of the platform and those who want to invest can start from only 50€.
The peer-to-peer (p2p) investment process with EvoEstate platform consists, in detail, of the following steps:
- The borrowers require a loan to the originator of the project.
- The project author evaluates the demand, sets an interest rate and initiates the crowdfunding process.
- Only the carefully selected offers are listed on the EvoEstate market, where you can select the projects on which to invest, subsequently receiving monthly payments and interest.
All this allows investors to access a wide variety of real estate investments with a relatively small amount of capital.
Who can invest
Anyone over the age of 18 and is the headliner of a current account can invest in the real estate projects on EvoEstate.
Auto Invest
Auto Invest, or automatic investment, is a feature of EvoEstate real estate crowdfunding that allows you to automatically invest your funds.
Your money will be distributed based on the amount of the investment you have placed on the Auto Invest activation page. Your investments will therefore be included in the loans according to the same sequence in which they appear on the platform.
However, keep in mind that, if you are not convinced of one or more investments made automatically by the platform with this system, you still have the right to cancel them within 24 hours from the moment they were inserted, without paying any commission.
What projects EvoEstate proposes
The projects proposed on EvoEstate belong to real estate and financial companies based in 15 countries.
In addition, when the investor decides to invest in a particular project on the site, he will find in the platform by accessing all the information related to the company that published it.
Finally, it should be noted that EvoEstate to protect the safety of its investors always carefully selects projects and borrowing companies, accepting only proposals for solid and referenced realities.
What is the minimum and maximum capital to invest?
The minimum investment amount is 50 €.
The platform does not set a maximum investment amount, but this is typically defined by the borrowing companies that present the project.
What happens if you don’t reach the collection goal
In the event that a project does not reach the minimum collection objective established by the tendering company when publishing the project, all invested capital will be returned to investors automatically and at no additional cost.
What are the costs of investing in EvoEstate
Subscription to the Concrete platform is free of charge. There is also no commission on investment and earnings, but all expenses are only borne by those who publish projects.
How to register on EvoEstate
Once you have created your account and enter all the required data, you must complete your subscription as an investor of the platform confirming a link that will have been sent to you by email.
In addition, before you can start investing, you will need to send a copy of your ID, after which you will have to make a deposit to your virtual EvoEstate account using a simple bank transfer (refilling with a credit card is not allowed).
The platform does not charge any type of costs or commissions on payments and withdrawals from your virtual account, but remember that, in general, at least one day or two is required for crediting the sums.
Is EvoEstate safe?
All money paid by investors on their virtual accounts is held in a separate bank account referring to the company Paysera. . The account, in this way, is also protected in the unlikely event of a financial meltdown of the company that manages the platform.
In addition, the user who invests in EvoEstate who needs to suddenly liquidate their investments, can do so by turning to the platform’s created secondary market. It is, in fact, a place where you can sell your investments to other investors or buy investments made available by other investors to increase or liquidate your investment portfolio.
Also with regard to the secondary market, the portal does not charge any commission on transactions.
However, in some cases to sell your investment faster, you may need to apply a discount on the initial price of the project. In this way, you will end up receiving less money for credit than you had anticipated at the beginning.
What are the opinions on EvoEstate?
Now you will want to know if it’s worth investing in EvoEstate or if it’s better to turn to other platforms.
I start immediately saying that the team behind this portal has more than 6 years of experience in this sector and, in recent years, both the number of projects and the amounts collected through the real estate crowling mechanism on this site have only grown.
Another aspect that is certainly worth pointing out is that, since in most cases projects that belong to the category of peer-to-peer lending loans, the degree of risk is much lower than for example Equity projects, but at the same time the return that can be obtained is also at around 9/10%).
Moreover, observing the duration of investments, this is on average around 18 months, but there are also projects lasting 40 or even 60 months longer. I therefore advise you to keep in mind this aspect if you need to get a return on investment in a shorter time.
All this leads me to conclude that EvoEstate is certainly a valid tool to invest in the real estate sector safely and with (relatively) few risks, having minimum figures such as 50/ 100 € and not need to return to the investment very quickly.
