AndStone.one - Crowdfunding platform for real estate projects in Andorra

Risk Assessment and Management

AndStone conducts a thorough analysis of real estate projects before offering them for crowdfunding, in order to assess their credit risks. This analysis focuses on three key aspects:

The project itself

AndStone ensures the coherence and seriousness of the projects by examining criteria such as urban planning, geographical location, pre-commercialization level, and sale price compared to the market.

The project owner and the project company

AndStone analyzes the profile of the owner, their experience, social mandates, financial situation, and crowdfunding history.

The project financing

AndStone assesses the financial solidity of the project, including equity contribution, guarantees, and the presence of bank financing.

AndStone controls each part of the project, thus reducing the risk.

Projects are only opened once legal and technical procedures have been validated.

Determination of interest rates

The interest rate of loans offered on the platform is determined based on the analysis and ranking of the project, as well as the expert opinion of the Investment Committee. The main criteria considered are:

Loan amount: the rate aims to offer an attractive return to investors while preserving a sufficient margin for the project owner.
Loan maturity: it allows assessing the risk horizon of the operation.
Presence of guarantees: they secure repayment in case of default.
Operation margin: it must ensure profitability despite potential cost overruns.
Specific risks of the real estate market (permits, construction, location, etc.).

The higher the risk, the higher the interest rate will be. AndStone's commission does not impact the rate offered to investors.