The real estate crowdfunding, or micro financing, is a business opportunity to invest in the real estate sector.
From Gumper, we want to explain to you what it consists of, so you can understand in detail the business opportunities that this investment method can offer you.
Real estate crowdfunding: An alternative to the traditional market
This 2021 has clearly started with a continuing trend regarding real estate transactions and their traditional buying and selling formats.
In a year 2020 marked by irregularity and perhaps uncertainty in the early phases of the health alert situation, the real estate market has seen its stability affected.
We must not forget that buying a property is a significant operation for most people and that a calm market is usually the chosen time to start purchases that will entail a long period of payment obligations.
It is in this scenario where a tool that is not new but is increasingly penetrating the Spanish market returns. Real estate crowdfunding has come to stay as an attractive investment alternative with moderate risk.
How does real estate crowdfunding work?
As we mentioned earlier, it is a financial system that allows investment in the real estate sector without using large amounts of money; this is because the purchase of properties, whether they are homes, commercial premises, developments, etc., is done jointly with other investors. This provides a reduction in risk since the capital contributed is less than if an individual decides to invest in a specific property.
There are many companies that work with this investment system, and the way it operates is practically the same in all of them.
A real estate market analysis is conducted by the crowdfunding company, and the viability of the projects is established. Once a project is defined, it is the company itself that continues the management with the property, for example, rehabilitating the building or collaborating in some phase of the construction. Once the property is in optimal condition, it proceeds to commercialization.
Projects are usually located in strategic places where the buying and selling of properties have less market tension and are carried out with relative agility. We must take into consideration that while that sale is not executed, we cannot recover our profits.
Crowdfunding companies provide information on their website about the different open projects, as well as the investment conditions for each of them, the estimated profitability, deadlines, and other considerations that investors may require for making the right decisions.
If you want to participate as an investor, it is simple, as you just need to choose the property and make the investment; the companies themselves will take care of the rest of the process, from market analysis, marketing, or the administrative procedures required by the property and its operation.
How can I invest in real estate crowdfunding?
Real estate crowdfunding platforms allow non-professional investors to invest, which means that their investment capacity is limited. As we can see regulated in Law 5/2015 on Business Financing, which proposes a maximum limit according to our profile, which can be accredited investor or non-accredited investment.
What is the difference between an accredited investor and a non-accredited investor?
When positioning ourselves as a non-accredited investor, we accept a limitation where we cannot make an investment of more than 3,000 euros per project or more than 10,000 euros per year across all collaborative investment platforms. This provides stability to non-accredited investors, as, being non-professional investors, they need a guaranteed investment limit to safeguard their economic position.
An accredited investor has greater financial freedom, as they will not have a limit, but they must meet certain economic conditions such as, for example: being legal entities with assets worth one million euros, businesses of at least two million euros, and a minimum value of 300,000 euros in own resources. Individuals can also be accredited investors, but they must have a minimum net worth of 100,000 euros and a minimum annual income of 50,000 euros.
If you want to become accredited as an investor, you can do so, but you must be accredited by companies affiliated with the National Securities Market Commission (CNMV).
Are investments safe?
Absolutely yes. Unfortunately, when we talk about safety, we cannot ignore that, like any investment, there is a risk.
The platforms and companies that manage this type of operations offer a secure way to invest that guarantees the transparency of the process; however, like any type of investment, there is a risk that can have different considerations and is related to the property, its condition, and the social moment of commercialization. An investment can improve our profitability through external agents, but it can also be worsened by them.
When we access a project of this type, many platforms offer different investment lines. For example, if we look at Housers, we can see that it proposes projects segmented into three lines of action.
- Fixed-type projects: An investment is made on new construction, and you receive monthly income. You recover the capital of the investment once the activity period has ended, which can range from 12 to 36 months. The average profitability is estimated between 9% and 10%.
- Investment projects: They focus on working on products to rehabilitate or build for sale. These are shorter investment periods between 12 and 24 months, and you receive your profit at the end of the investment, with an average profitability of 7.75%.
- Savings project: The investment is made in real estate projects that are put on the rental market. You receive monthly the proportional part of your investment. In this case, investments are usually long-term, between 5 and 10 years. The average profitability is 4 to 5%.
In most products, such as the savings project, you can cancel your participation by selling your shares in a secondary market called CCD (Direct Communication Channel), which will allow you to exit the project.
As we have seen throughout the article, there are many ways to invest, and it is a simple and agile way to make our savings profitable.
The majority of companies that work with this type of products will provide you with different ways to invest.
At Gumper, we want to recommend that beyond choosing the financial product that best suits your investment capacity, your need for investment recovery, etc., consider the entity with which you carry it out, as it may offer advantages that make your investment a calm and simple process.
For example:
- Acceptance of minimum investments (From €50)
- Entities registered with the CNMV.
- That they have a secondary market for selling shares (CCD)
- Avoid commissions for depositing, investing, or withdrawing money.
At Gumper, as expert real estate advisors, we can advise you on advantageous investments and study your financial situation to carry them out.
If you have had any experience you would like to share with us, you can leave us a comment on our blog or social media.
- Understand the essence: what a real estate agency does, key functions, and its meaning. - 9 de July de 2026
- Luxury penthouse in Barcelona: prime areas, real prices, and what differentiates a penthouse from a simple upper floor. - 10 de June de 2026
- Luxury safe houses: privacy, technology, and premium protection in exclusive homes - 8 de June de 2026
