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  1. Blog
  2. Investor Academy

Investor Academy

Before the Flow: How Mortgage NPLs Are Evaluated, Part 1

Before the Flow: How Mortgage NPLs Are Evaluated, Part 1

02 Sep 2026
NPL Guide 3: How the NPL Market Works — and Why Spain Matters

NPL Guide 3: How the NPL Market Works — and Why Spain Matters

28 Aug 2026
NPL Guide 2: Understanding Non-Performing Loans and Why They Exist

NPL Guide 2: Understanding Non-Performing Loans and Why They Exist

21 Aug 2026
NPL Guide 1: Understanding Debt Investing and Real Estate–Backed Opportunities

NPL Guide 1: Understanding Debt Investing and Real Estate–Backed Opportunities

14 Aug 2026
Flow Stages Step-by-Step Guide with Tamarindo

Flow Stages Step-by-Step Guide with Tamarindo

19 Jun 2026
Understanding NPLs and the Social Responsibility Behind Debt Resolution

Understanding NPLs and the Social Responsibility Behind Debt Resolution

18 Jun 2026
Indemo 101: Welcome to Indemo

Indemo 101: Welcome to Indemo

15 May 2026
Discounted Debts: Behind the Flow — Chapter 2
Flow Stages Updates

Discounted Debts: Behind the Flow — Chapter 2

15 Apr 2026
Investor Academy Part 7: Why Legal Processes Take Time and Can Benefit Investors

Investor Academy Part 7: Why Legal Processes Take Time and Can Benefit Investors

25 Mar 2026
Inside the Indemo Approach: Making Non-Performing Mortgage Debt Investable

Inside the Indemo Approach: Making Non-Performing Mortgage Debt Investable

10 Mar 2026
Discounted Debts: Behind the Flow – Chapter 1
Flow Stages Updates

Discounted Debts: Behind the Flow – Chapter 1

16 Feb 2026
Why do people invest in debt?

Why do people invest in debt?

12 Dec 2025
Spanish Real Estate: Solid Collateral Behind Discounted Debts

Spanish Real Estate: Solid Collateral Behind Discounted Debts

15 Oct 2025
Investor Academy Part 6: Understanding Compliance

Investor Academy Part 6: Understanding Compliance

25 Aug 2025
Investor Academy Part 5: Understanding PTV Dynamics, Valuation, and Return Drivers

Investor Academy Part 5: Understanding PTV Dynamics, Valuation, and Return Drivers

01 Jul 2025
How to Start Investing with Indemo

How to Start Investing with Indemo

30 Jun 2025
How to Deposit Funds into Your Indemo Account

How to Deposit Funds into Your Indemo Account

30 Jun 2025
How to Create an account on Indemo

How to Create an account on Indemo

30 Jun 2025
Investor Academy Part 4: Three ways Debts can be recovered

Investor Academy Part 4: Three ways Debts can be recovered

30 May 2025
Investor Academy Part 3: Understanding the Recovery Process.

Investor Academy Part 3: Understanding the Recovery Process.

16 Dec 2024

© 2026 All rights reserved.

Indemo SIA — (registration no. 40203401432, legal address: Skanstes iela 50, Rīga, LV-1013, Latvia) is an investment firm licensed and supervised by Latvijas Banka (Central Bank of Latvia). License number 06.06.08.824/547.

Indemo SIA is a member of the national investor compensation scheme established under EU Directive 97/9/EC. The scheme protects investors by providing compensation if Indemo SIA fails to return financial instruments or cash to investors. The compensation is limited to the outstanding liabilities, up to €20 000.

* Indemo authorized and approved to operate in 29 EU Member States: Germany (Bundesanstalt für Finanzdienstleistungsaufsicht), Spain (Comisión Nacional del Mercado de Valores), Portugal (Comissão do Mercado de Valores Mobiliários), France (L’Autorité des marchés financiers), Lithuania (Lietuvos centrinis bankas), Austria (Austrian Financial Market Authority), Malta (Malta Financial Services Authority (MSFA)), Netherlands (De Nederlandsche Bank (DNB)), Iceland (Central Bank of Iceland Seðlabanki Íslands), Sweden (Finansinspektionen (FI)), Italy (Commissione Nazionale per le Società e la Borsa), Ireland (Banc Ceannais na hÉireann (Central Bank of Ireland)), Luxembourg (Commission de Surveillance du Secteur Financier), Romania (Autoritatea de Supraveghere Financiară (ASF)), Norway (Finanstilsynet), Hungary (Magyar Nemzeti Bank (MNB)), Greece (The Hellenic Capital Market Commission (HCMC)), Slovenia (Agencija za trg vrednostnih papirjev), Slovakia (Národná banka Slovenska), Cyprus (Cyprus Securities and Exchange Commission), Czech Republic (Česká národní banka), Finland (Finanssivalvonta FIN-SVA), Belgium (Autoriteit voor Financiële Diensten en Markten), Estonia (Estonian Financial Supervision and Resolution Authority), Latvia (Latvijas Banka), Liechtenstein (Finanzmarktaufsicht Liechtenstein (FMA)), Denmark (Finanstilsynet), Croatia (Hrvatska agencija za nadzor financijskih usluga).

** 15.1% is expected annual return rate based on the moderate scenario for Discounted Debt Investment products, when 90% of the outstanding mortgage debt is settled within 18 months of the investment date (for more info, please see KID available in the Legal Documents section).

Investing in financial instruments involves risk, and there’s no guarantee that investors will get back invested capital. Moreover, past performance does not guarantee future returns.

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