- El crowdfunding de bienes raíces está abriendo las puertas del mercado inmobiliario a inversores de todos los bolsillos.
- Con tan solo 500 euros ahora puedes ser parte de proyectos inmobiliarios millonarios y obtener retornos de hasta el 15%.
- La inversión colectiva en propiedades mueve 53.000 millones de euros a nivel global, democratizando el acceso a grandes desarrollos.
El crowdfunding inmobiliario está revolucionando la forma en que invertimos en propiedades. Ya no hace falta ser millonario para participar en grandes proyectos inmobiliarios. Esta modalidad de inversión colectiva permite que cualquiera pueda participar en el mercado de bienes raíces.
Veamos los números. A finales de 2023, el sector alcanzó una recaudación global acumulada de 53.000 millones de euros. Algo asombroso, porque estamos hablando de un crecimiento exponencial en pocos años. Así que, si estás pensando en diversificar tu cartera, esta opción parece ser una de las mejores.
Crowdfunding inmobiliario: inversión accesible para todos
Antes, solo los grandes inversores podían permitirse entrar en proyectos inmobiliarios de envergadura. Ahora, con tan solo 500 euros, puedes ser parte de desarrollos que antes estaban fuera de tu alcance.
¿Te imaginas ser copropietario de un edificio de lujo valorado en millones de euros? Pues ya no es un sueño inalcanzable. Esta democratización del mercado inmobiliario permite que pequeños inversores puedan participar en grandes proyectos. Y lo mejor es que puedes empezar con poco y aumentar tu inversión a medida que ganas confianza y experiencia.
Crecimiento global y panorama europeo del sector
El crowdfunding inmobiliario no es un fenómeno aislado, sino una tendencia global que está pisando fuerte. A nivel mundial, el sector ha alcanzado los 53.000 millones de euros en recaudación acumulada.
Lo más interesante es que no se trata de un fenómeno pasajero. A pesar de los vaivenes económicos y las incertidumbres geopolíticas, este tipo de inversiones ha demostrado ser resistente. El Banco Mundial estima que este mercado puede alcanzar los 93 mil millones de dólares para el 2025.
En 2023, solo en la Unión Europea se movieron 2.600 millones de euros en este tipo de inversiones. Además, tuvo un crecimiento de un 30% con respecto al 2022. Francia lidera la carrera, seguida de cerca por Alemania e Italia.
Y no son solo los países los que compiten; las plataformas de crowdfunding inmobiliario también se están posicionando. Las cinco principales ya controlan el 38% del mercado. Brickstarter, Housers y Crowdestate son ejemplos de grandes plataformas de crowdfunding de bienes raíces en España.
Rentabilidad y riesgos: análisis de los retornos
Los proyectos de tipo préstamo están ofreciendo rendimientos netos anualizados de alrededor del 10%. Y algunas plataformas incluso superan el 12%. No está nada mal, considerando las tasas de interés actuales.
Pero si eres de los que les gusta el riesgo, los proyectos de capital son tu mejor opción. Aquí es donde se ven los retornos más jugosos, con algunas inversiones superando el 15% anual. Claro, a mayor rendimiento, mayor riesgo. Tú decides.
Preferencias de inversores y tipos de proyectos
Parece que los europeos tenemos debilidad por lo rústico y el turismo. El 47% de las campañas financiadas se centran en proyectos residenciales en zonas rurales o relacionadas con el turismo.
Pero ojo, que no todo es rehabilitar cortijos o construir resorts. El 64% de los proyectos son nuevas construcciones. Esto indica que hay una fuerte demanda de desarrollos desde cero. Los inversores no solo quieren rehabilitar, sino crear algo completamente nuevo.
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