Meie üle teostab järelevalvet
Oleme reguleeritud
Alates Nordstreet asutamisest 2018. aasta veebruaris, oleme finantseerinud 1178 ärilaenu. Tänu Nordstreet on kinnisvaraarendajad ja ettevõtted saanud hõlpsalt ja kiiresti koguda vahendeid kinnisvaraprojektide elluviimiseks, alustavad ettevõtted tegevuse alustamiseks või selle arendamiseks.
Keskmine AROI
Intressid ja tasutud intressid
Laenatud raha kokku
Rahastatud laenude arv
Edukalt tagasimakstud laenude arv
Investorit
Investeeringu keskmine suurus: RE loans
Keskmine laenu suurus: RE loans
Keskmine LTV (laenu ja tagatisvara väärtuse suhe): RE loans
Keskmine investorite arv projekti kohta: RE loans
Investeeringu keskmine suurus: Business loans
Keskmine laenu suurus: Business loans
Keskmine investorite arv projekti kohta: Business loans
| Risk category | Actual default rate (by number of loans) | Actual default rate (by loan amount)1 | Loans observed | Of which defaulted | Expected default rate (12 months) | Of which fully recovered after termination (%)2 | Average recovery period (days)2 | Risk category description |
|---|---|---|---|---|---|---|---|---|
| A | 3.03% | 4.38% | 13 | 1 | 23.75%3 | 0.00% (0 of 1) | – | low |
| B | 27.44% | 26.37% | 51 | 15 | 27.44% | 33.33% (5 of 15) | 123 | medium |
| C | 23.61% | 29.53% | 45 | 13 | 23.61% | 0.00% (0 of 13) | – | higher |
| D | – | – | – | – | 23.75%3 | – | – | high |
| Risk category | Actual default rate (by number of loans) | Actual default rate (by loan amount)1 | Loans observed | Of which defaulted | Expected default rate (12 months) | Of which fully recovered after termination (%)2 | Average recovery period (days)2 | Risk category description |
|---|---|---|---|---|---|---|---|---|
| A | 34.26% | 23.62% | 16 | 4 | 34.26% | 25.00% (1 of 4) | 778 | low |
| B | 19.79% | 20.38% | 136 | 27 | 19.79% | 14.81% (4 of 27) | 271 | medium |
| C | 26.45% | 22.46% | 110 | 30 | 26.45% | 16.67% (5 of 30) | 90 | higher |
| D | – | – | – | – | 23.17%3 | – | – | high |
Basis of calculation. Expected default rates are based on the actual default rates of the same risk category — the arithmetic average of three non-overlapping 12-month observation windows over the past 36 months. No trend extrapolation or forecasting model is used.
Minimum values. Where a risk category had no observed loans, or its actual rate is below the value stated below, a conservative minimum assumption is applied: for real estate secured loans A – 1%, B – 3%, C – 5%, D – 8%; for business loans A – 2%, B – 4%, C – 5%, D – 8%. The expected rate equals the higher of the two values: the actual rate or the minimum value. These values are set by Nordstreet and are not prescribed by law.
No adjustments. Rates are not smoothed across risk categories. Where a lower-risk category shows a higher rate than a higher-risk one, it is presented as such — this reflects the actual data, not a calculation error.
Risk categories. A loan is assigned to a risk category under Nordstreet's risk management framework. The category in force on the first day of the observation window is used.
Unit of calculation. The rate is calculated at loan level, not project level. A loan financed in stages is treated as one loan, with the funding date of the first stage as the reference date.
Data limitations. A 36-month observation period is used. In some risk categories the number of observed loans is small, so a single default event can materially change the rate. Where a category had no observed loans, no actual rate is presented.
Recovery figures. The share fully recovered and the average recovery period are calculated only from the loans included in the number of defaulted loans. Recently terminated loans have not yet had time to be recovered, therefore these figures are conservative.
Õnnestus
Hoiatus