🎁 invest at least 50€ in one go to receive a 25€ bonus by using our link.
A regulated platform offering a high-risk, high-reward niche in secured discounted debt, perfect for long-term diversification.
* This is an affiliate link. We may earn a commission at no extra cost to you.
€10.00
€100,000.00
Lower risk, more stable returns
22.8%
0 reviews
Community total (base currency)
Without bonuses
Community members
4.1/5
Indemo successfully opens up the complex NPL market to retail investors, backed by real estate collateral and regulatory oversight. While returns are high and fees are non-existent, investors must be prepared for long investment terms and irregular payouts. The lack of a secondary market is the primary drawback.
Specialized P2P platform offering high-yield investments in Spanish Real Estate Non-Performing Loans (NPLs).
Looking for high potential returns uncorrelated with traditional markets? Indemo offers a unique niche: investing in Notes linked to Spanish real estate-backed discounted debts (NPLs). Start diversifying your portfolio with institutional-grade assets and target returns up to 15.1% per annum, all while being regulated by the Central Bank of Latvia.
Indemo is an investment firm licensed and supervised by Latvijas Banka (the Central Bank of Latvia, license 06.06.08.824/547). Established to provide retail investors access to complex assets—specifically Non-Performing Loans (NPLs) secured by Spanish residential property—which are typically reserved for institutional investors. Indemo operates using a Notes structure linked to the workout results of these discounted debts.
Investors benefit from high targeted returns (around 15.1%) and the security of real estate collateral. Indemo features zero platform fees, making returns highly efficient. The platform also offers Autoinvest and detailed transparency on the foreclosure process, providing a unique diversification tool in the P2P space.
Investment in Notes linked to Non-Performing Mortgage Loans (NPLs) secured by residential property in Spain. These loans are acquired at a significant discount, targeting high returns upon successful foreclosure or settlement.
No reviews yet. Be the first to review this platform!
The underlying asset for all investments is Spanish residential real estate, providing a tangible collateral base and security for the investment.
Loan Types: Real Estate (Residential), Non-Performing Loans (NPLs), Mortgage Debt
Liquidity: Long-term investments, typically 12–36 months, as returns are dependent on legal foreclosure/workout timelines.
Fees:
Risk Level: Medium
Risk Factors:
Risk Mitigation:
Ideal for investors targeting high double-digit returns (15%+) who are comfortable with the longer, less predictable timelines associated with NPL recovery and foreclosure processes.
Suitable for investors looking to diversify beyond standard consumer or business P2P loans into the unique niche of distressed real estate debt, which has low correlation with stock markets.
The minimum investment is very low, starting at just €10 per Note. This allows investors to diversify easily across multiple discounted debt opportunities.
Investor protection primarily comes from the underlying asset: Spanish residential real estate collateral. Additionally, Indemo is a regulated investment firm supervised by Latvijas Banka (the Central Bank of Latvia), ensuring adherence to EU financial regulations.
No. Indemo operates with zero platform fees. There are no charges for investing, holding assets, making deposits, or withdrawing funds. However, Indemo withholds income tax on interest payments (5% or 25.5% depending on tax residency).
Indemo targets high annual returns, typically around 15.1% per annum. However, returns are irregular and depend on the successful recovery of the discounted debt (sale of the property or settlement).
Currently, no. Indemo does not yet have a secondary market, meaning investments are illiquid and must be held until the underlying debt is recovered, which can take 12 to 36 months or longer.
The primary risks are liquidity risk (long lock-up period) and timeline risk. The recovery process relies on the Spanish legal system, which can cause significant and unpredictable delays, potentially extending the investment term and affecting the annualized return.