Frequently Asked Questions
At Equidem, we offer investors the opportunity to earn higher returns compared to traditional assets.
Our platform allows you to invest safely and securely from the comfort of your home in secured loans, called property-backed loans in the United States.
By investing in secured loans, your money will be backed by real estate assets, providing greater stability and protection for your investments.
To start investing with us, you simply need to meet the minimum amount of 30,000 USD and contact us. One of our advisors will be happy to guide you through the entire process.
To start your investment, a minimum amount of $30,000 USD is required.
To start your investment, we only require a copy of your identification document. In addition, we will provide you with a client profile form that you will need to fill out. With this information, we will be ready for you to start investing with us.
Investing in secured loans involves putting your capital into loans backed by tangible assets, such as real estate. In this type of investment, your money is used to fund loans to borrowers who offer collateral, such as a mortgage on a property.
By becoming a lender, you will receive interest on the principal amount borrowed. In the event that the borrower defaults on his payment obligations, the underlying collateral (the property) will be used to recover the borrowed funds.
This form of investment provides greater security, since the backing of tangible assets reduces the risk of loss compared to other more speculative forms of investment.
Although all investments carry a certain degree of risk, investment in secured loans is considered low risk because it is backed by Real Estate.
In the event of a default, the property will undergo a legal process to recover payments and reimburse your investment, which means you will not lose your money.
Yes, we provide you with a title deed and a legal document that supports your investment, where the applicable terms and conditions are stated. These documents offer additional protection by providing you with the necessary security and transparency in your investment.
Title deeds are legal documents that serve as proof of ownership or rights to a property. These documents are used to prove the cause and quality of a property, as well as the intangible rights held over it.
A title deed legally confirms that a person has acquired or inherited a property and is therefore the rightful owner of the property. These titles are essential to establish and protect property rights and provide legal certainty to owners.
As an investor, you will receive periodic reports that will provide you with details on the current status of your investment. These reports are usually monthly and are in the form of account statements. In them, you will find relevant information about your investment, such as the current balance, interest earned, payments received and any other related transactions.
In addition to paper reports, it is common for you to be provided with online access through a personalized username and password. This will allow you to inquire about your investment at any time and access up-to-date information in a convenient manner.
These reports and online tools will provide you with a clear and transparent view of your investment, which is essential to effectively monitor and make informed decisions about your future investments.
If the person to whom you lent money does not pay, legal action will be taken. Notices and payment reminders will be sent, and if the situation persists, the legal area will be involved. A legal process will be initiated to recover the funds owed, and in the case of secured loans, the property may be sold to recover the value of the loan.
Yes, the legal document provided when the loan is made will include the details of the person who applied for the loan. This data may include his or her name, address, identification number or other relevant details according to applicable regulations and legal requirements. This data is important for purposes of follow-up, communication and, if necessary, legal actions related to the loan.
Equidem does not charge any commissions. There are no additional charges for making investments through our platform. Our goal is to provide a transparent service with no hidden costs for our clients.
You cannot withdraw the money at any time, as it is subject to the term of the loan and the borrower's repayment behavior. In other words, the money you have lent will be committed until the agreed term is met and the borrower makes the corresponding payments.
However, the borrower may make principal repayments during the term of the loan. These repayments can reduce the amount outstanding and, in some cases, may allow you to recover some of the money borrowed before the end of the agreed term.
It's important to keep in mind that the specific conditions regarding the availability of the borrowed money may vary depending on the contract and the terms agreed upon by the parties involved. Therefore, it is advisable to carefully review the loan contract to understand the conditions of availability and the possible scenarios related to payments and principal repayments.