Frequently asked questions

A total period of how many days there are between the investment’s start date and the final (closing) date is taken into calculation. The total investment days number is calculated using the ‘DAYS360’ function, which may be found here.

Interest is calculated for investments that have a duration of more than 24 hours.

LTV (Loan-To-Value) indicator is used to express the ratio of a loan to the value of an asset. An LTV ratio is calculated by dividing the amount borrowed by the asset value x 100. For example, the asset is worth 10 000 Eur, the amount borrowed is 7 000 Eur, the LTV is 70%.

A lower LTV indicator means that a greater part of assets is pledged.

Please note that no project on the Crowdpear platform will have an LTV ratio higher than 80%.

Depending on the loan schedule, investments are repaid monthly or quarterly. With every repayment, a part of the calculated interest is repaid, the principal amount is paid after the loan is closed.

You can see it in the ‘Overview’ -> ‘Profit status’ -> ‘All time profit’ section and in the ‘Statement’ -> ‘Interest income’ section.