MINTOS REAL STATE

When talking about Mintos, most people associate it with personal, business, or consumer loans, but the platform also offers opportunities linked to the real estate sector.

This model allows investors to participate in the financing of real estate projects through loans originated by specialized companies, earning fixed interest and defined terms.

In this guide we will see what Mintos is, how its real estate section works, what its features are, advantages and disadvantages, and for which investor profile it may be interesting.

📌 What is Mintos?

Mintos is a loan investment platform founded in 2015 in Latvia with international reach. It acts as a marketplace where lending companies (originators) offer their loans to individual investors.

Although most of its catalog consists of personal, consumer, or business loans, it also has a real estate category that connects investors with developers or companies financing real estate projects.

🏗 How does real estate investment in Mintos work?

Real estate investment in Mintos follows the model of asset-backed loans. This means that the loaned capital is tied to a property as collateral.

The process is as follows:

1. Loan originator
   • A specialized company grants a loan to a real estate developer.
2. Publication on Mintos
   • The loan appears on the platform with details such as: interest rate, term, type of collateral, and LTV (Loan-to-Value).
3. User investment
   • The investor buys a fraction of the loan, starting from small amounts (usually from €10).
4. Interest collection
• The investor receives periodic interest payments and, at the end of the term, the return of principal.

🔍 Key features of real estate investment in Mintos

• Minimum investment: From €10.
• Expected return: Between 7% and 12% annually (depending on the originator and risk).
• Terms: Generally between 6 and 36 months.
• Guarantees: Loans backed by real estate assets (land, buildings under construction, etc.).
• LTV (Loan-to-Value): Financing percentage relative to the property value, key to measuring risk.
• Secondary market: Possibility to sell your participation before maturity.

✅ Advantages of real estate investment in Mintos

• Low minimum amount that allows diversification across many projects.
• Fixed and predictable interest.
• Access to international projects without leaving home.
• Backed by assets serving as collateral.
• Secondary market for early liquidity.
• Automation via Auto Invest or predefined strategies.

⚠️ Drawbacks and risks

• Originator risk: If the lending company goes bankrupt, recovering funds may be difficult.
• Borrower default risk: Even with real estate collateral, recovery may be slow.
• Real estate market fluctuations: A drop in property prices may affect collateral value.
• Complexity in project selection: It is necessary to carefully analyze each originator and its track record.

📊 Ideal investor profile in Mintos (real estate section)

• Investors seeking international exposure to the real estate market.
• Those who prefer fixed interest and defined terms over uncertain capital gains.
• People who want to diversify with very small amounts across many projects.
• Investors with moderate risk tolerance who dedicate time to evaluating originators.

🏁 Conclusion

The real estate section of Mintos is an easy and flexible entry point to invest in asset-backed projects without needing large capital.

Its combination of a low minimum amount, fixed interest, and global diversification potential makes it attractive, especially as a complement to more traditional or national real estate strategies.

However, it is essential to analyze each originator, check the LTV, and avoid concentrating too much capital in a single loan or company.

💡 Final tip: Use Auto Invest to automatically diversify across multiple real estate loans, thereby reducing the risk of individual defaults.