Pricing
User account | |
| General services | Price |
|---|---|
| Deposit fee1 | 0 € |
| Withdrawal fee2 | – |
Investing | |
| Primary market | Price |
| Making an investment | 0€ |
| Secondary market | Price |
| Service fee for seller | 2% of the transaction amount |
| Buyer fee | 0€ |
Borrowing | |
| Loan application | Price |
| New loans | Not issued. Reinvest24 is in a wind-down phase |
| Existing loans | Price |
| Extending loan period | Up to 16% of the amount extended |
| Notary fees (amending or deleting the mortgage) | According to the local notary services price list |
Overdue payments and debt recovery3 | |
| Overdue payments | Price |
| Late payment interest | As set in the loan agreement |
| Compensation for collection costs4 | 40 € per overdue claim |
| Debt management fee5 | Up to 12% of the overdue amounts under the loan agreement |
| Enforcement and realisation of collateral | Price |
| Realisation fee | Up to 15% of the principal loan amount |
| Security agent fee | According to local service provider pricing |
| Bailiff fee6 | According to local service provider pricing |
| Legal and court costs | Actual costs incurred |
1 There can be additional fees of up to 1% depending on the zone the transaction is made from, based on the price list of the payment service provider.
2 Withdrawals are temporarily unavailable.
3 Fees in this section are charged to the borrower under the loan agreement and Estonian law. If the borrower does not pay them, they are deducted from the recovered amount before it is distributed to investors (Terms of Service, Section 12.3).
4 Fixed compensation under § 113¹ of the Estonian Law of Obligations Act. Recovery costs above this amount may be claimed as damages.
5 A contractual penalty charged to the borrower for handling an overdue loan: monitoring the debt, sending notices, negotiating with the borrower and preparing recovery steps. It applies where the loan agreement provides for it.
6 In Estonia, bailiff fees are set by the Bailiffs Act (Kohtutäituri seadus).
VAT is added to the fees where applicable.