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.

Yes, you can sell your current (not finished) investments on the secondary market. A 2% selling fee of the selling amount is applied by the platform and will be deducted at the moment of sale. Read more about the secondary market here.

If you are classified as an inexperienced (non-sophisticated) investor, you have the option to cancel your investment within 4 (four) calendar days from the investment day (please refer to paragraph 4.7 of the Usage Agreement). To cancel your investment, kindly contact Crowdpear Customer Support.

If the required loan amount is not reached, the collection of investments for the project is canceled. Full principal amount + interest earned from the start of the investment until the cancelation of the project date is returned to investors.

Yes, a loan can be fully or partially repaid by the borrower earlier. If a loan would be fully repaid earlier, the full investment amount + interest earned until the closing date is paid to investors. In case a loan is partially repaid, the received repayment amount from the borrower would be divided proportionally among investors, proportionally covering the investment amounts depending on the size of the investment. The same interest rate would continue to be applied to the remaining investment amount.

Annual return measures the actual rate of return of all your investments for the current year. It includes anything that affects your returns, such as delays, bonuses, and purchases/sellings on the secondary market.

At the beginning (if you have started investing recently) Annual return is displayed higher or lower (depends on the invested amount), as we include in the calculation counted but not paid yet interest value. Within a couple of months, the annual return reaches the normal level/is displayed correctly.

Annual Return is calculated using the XIRR (extended internal rate of return) calculation methodology. More information about the XIRR and calculation formula can be found here.