indemo.eu FAQ

Indemo.eu is an online investment platform that allows retail investors to invest in real estate-backed loan opportunities, specifically “Mortgage Loan Investments” and “Discounted Debt Investments,” primarily in Spain.

Read more about indemo.eu:
indemo.eu Review & First Look
Indemo.eu Features (Ethical Considerations)
Indemo.eu Pros & Cons (Focus on Cons for Ethical Investing)
Indemo.eu Alternatives
Does Indemo.eu Work? (From a Sharia Perspective: No)
Is Indemo.eu Legit? (From a Sharia Perspective: No, Due to Impermissibility)
Is Indemo.eu a Scam? (Not a Scam, but Ethically Problematic)
Indemo.eu Pricing (Implied by Returns, but Ethical Cost is High)
How to Avoid Indemo.eu (and Similar Impermissible Platforms)

Is Indemo.eu a Sharia-compliant investment platform?

No, Indemo.eu is not a Sharia-compliant investment platform.

Its core investment products are based on interest (Riba) and the trading of discounted debt, both of which are impermissible in Islamic finance.

What are “Mortgage Loan Investments” on Indemo.eu?

Mortgage Loan Investments on Indemo.eu involve investing in bank-type mortgage loans issued in Spain, with investors earning a stated “Interest — 10.0% per annum.”

What are “Discounted Debt Investments (DDIs)” on Indemo.eu?

Discounted Debt Investments are created from loans where the borrower has failed to make payments.

Indemo.eu allows investors to buy these “bad debts” at a discounted rate, with profit generated when the attached real estate is sold at its market value. The expected return is 15.1% per annum. How to Avoid Indemo.eu (and Similar Impermissible Platforms)

Why are interest-based investments (like those on Indemo.eu) not permissible in Islam?

Interest (Riba) is prohibited in Islam because it is considered an unjust gain from lending money without sharing in the real economic risk or productive activity.

Islamic finance promotes risk-sharing, equity, and justice in financial transactions.

Is profiting from “Discounted Debt Investments” permissible in Islam?

Generally, no.

Profiting from the trading of debt, especially when it originated from interest-bearing loans or involves excessive speculation (Gharar), is usually not permissible in Islamic finance.

Debt is not considered a commodity for speculative trading. Indemo.eu Pricing (Implied by Returns, but Ethical Cost is High)

Is Indemo.eu regulated?

Yes, Indemo.eu states on its website that it is “Fully licensed and regulated in the EU,” implying adherence to European financial laws and regulations.

Are investor funds protected on Indemo.eu?

Indemo.eu claims that “Your cash and securities up to €20,000 are protected under the EU Investor Compensation Scheme” in case of platform insolvency.

What is the minimum investment amount on Indemo.eu?

The minimum investment required to start investing on Indemo.eu is €10.

Does Indemo.eu charge fees for investments?

Indemo.eu states it offers “Investments with no fees attached” for its peer-to-peer loan opportunities, suggesting their revenue model is embedded within the loan margins or debt acquisition.

What alternatives to Indemo.eu are available for Sharia-compliant investments?

Ethical alternatives include Sharia-compliant robo-advisors (e.g., Wahed Invest), Islamic mutual funds (e.g., Amana Mutual Funds), direct investment in physical gold and silver, equity crowdfunding for ethical businesses, and direct real estate investment (using halal financing). Is Indemo.eu a Scam? (Not a Scam, but Ethically Problematic)

How does Indemo.eu ensure the quality of its underlying assets?

Indemo.eu mentions a “Low LTV Ratio” (loan-to-value ratio) and “Independent Valuation” of mortgaged properties by top appraisers like Tinsa and Idealista to ensure asset quality and mitigate risk.

Does Indemo.eu have a track record?

The website mentions that their loans servicing company, licensed and supervised by the Central Bank of Spain, has “8 years of track record” and manages a portfolio above €65M.

Can I withdraw my money from Indemo.eu at any time?

The website states that you can “request Indemo to withdraw the money that is not invested from your platform account to your bank account at any time.”

How long does it take for deposits to be processed on Indemo.eu?

It may take up to three business days for deposits to be processed and reflected in your Indemo.eu account.

How does Indemo.eu handle taxes on investments?

Indemo.eu acts as a tax agent and withholds tax from interest payable at a rate of 5% for EU/EEA tax residents and 25.5% for Latvian or non-EU/EEA tax residents. Is Indemo.eu Legit? (From a Sharia Perspective: No, Due to Impermissibility)

They advise consulting a tax advisor for specific home country rules.

What kind of returns can I expect on Indemo.eu?

Indemo.eu states an “Average Annual Return” of 25.3% overall.

Specifically, Mortgage Loan Investments have an interest of 10.0% per annum, and Discounted Debt Investments have an expected return of 15.1% per annum.

Does Indemo.eu offer an autoinvest feature?

Yes, Indemo.eu lists “Autoinvest” as one of its exclusive features for investors, likely allowing for automated investment based on set criteria.

Where are investor funds held on Indemo.eu?

All money transferred to Indemo.eu investor accounts is held in a “secure separate Indemo investor omnibus bank account,” which is legally separate from Indemo’s own operational accounts. Does Indemo.eu Work? (From a Sharia Perspective: No)

How can I learn more about Indemo.eu’s investment products?

Indemo.eu provides “Learn more” links for both Mortgage Loan Investments and Discounted Debt Investments on its homepage, leading to more detailed information about each product.