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You can minimize your default rate by investing in loans from Estonia, Lithuania, and Latvia with a low LTV.
Loans with a higher LTV originating in Finland and Germany come with a higher risk.
EstateGuru has a dedicated team that is in charge of debt collection. It takes, on average, nine months to recover a loan. The debt recovery procedure may take up to 18 months. Defaulted loans limit your liquidity on EstateGuru.