Frequently Asked Questions about Urbanitae

You may have heard of us. We are the leading real estate investment solution in Spain and Portugal. But since we're talking about investment, it’s normal to have questions about our platform or how real estate crowdfunding works. Here we answer some of the most frequently asked questions about Urbanitae.

What is Urbanitae?

Urbanitae is a real estate crowdfunding platform that allows individual investors to participate in real estate investment projects. It serves as a meeting point where those seeking profitable investment opportunities can access high-potential real estate projects, diversify their capital, and benefit from the capital gains generated by development or renovation projects.

How to invest in real estate with Urbanitae?

Investing in real estate with Urbanitae is simple and comes at no cost to the investor. Interested individuals can register for free on the platform, explore investment opportunities, and choose real estate projects that match their goals and preferences. The platform allows investors to view detailed information about each project, including profitability forecasts, timelines, and risks. Once an investment is selected, the funding process is completed, and Urbanitae manages the entire project. Upon completion, investors receive their share of the generated returns.

How does Urbanitae work?

Urbanitae operates through the crowdfunding model, allowing multiple investors to contribute funds to finance real estate projects. Once a project obtains the necessary funding, the funds are allocated to the acquisition, development, or renovation of properties. Upon project completion, investors receive returns based on the project's performance and proportional to their contribution. Urbanitae manages and oversees each project, ensuring transparency and clarity at every step of the process.

What is real estate crowdfunding and how does it work?

Real estate crowdfunding is an investment model where a group of people collectively finance real estate projects, lowering the entry barrier and democratizing access to real estate investment. On platforms like Urbanitae, investors can choose from various carefully selected projects according to their preferences and invest starting from €500. This method provides access to investments that would otherwise require substantial initial capital.

Answers to common questions

Urbanitae is regulated in Spain by the National Securities Market Commission (CNMV) and subject to European regulations under Law 18/2022, aimed at ensuring adequate protection for various investor categories. Additionally, each project undergoes a rigorous review before being published on the platform. While all investments carry risks, real estate crowdfunding offers a diversified option and allows access to high-potential projects with a fraction of the capital required for traditional real estate investment.

The profitability of investments on Urbanitae depends on each specific project, but the platform typically offers annual return projections ranging from 8% to 15%. To date, all completed projects have achieved positive returns on Urbanitae, with an average of over 13% IRR. Final profitability varies depending on factors such as project type, execution, and macroeconomic conditions. Each project includes a detailed technical, commercial, and legal analysis that helps estimate potential capital gains for investors.

Equity in Urbanitae refers to ownership participation in a project. When an investor contributes funds to an equity project, they acquire a proportional share of the property and the benefits generated from its sale or operation. This type of investment allows the user to gain capital appreciation in line with their contribution and the total profitability of the project, always at the end of the project.

Urbanitae allows investments starting from €500, enabling both small and large investors to access high-value projects. There is no maximum investment limit, although the law requires that non-professional investors intending to invest €1,000 or 5% of their wealth – whichever is higher – receive a risk warning. This helps users choose investment amounts that align with their financial goals and risk tolerance.

Investing in Urbanitae is very straightforward and 100% digital. After registering on the platform, users can browse available real estate projects, with all the information needed to assess each opportunity. Once an investment is chosen, the user contributes their desired amount, and from there, Urbanitae manages the entire process, including regular updates on project progress. Profits are distributed automatically upon project completion.

Other key aspects about Urbanitae

Urbanitae and profitability

Through a diversified real estate investment strategy, Urbanitae offers an attractive investment option compared to traditional products. The projects typically have clear investment timelines and precise data that help estimate expected profitability, assisting investors in planning and maximizing their capital.

Reviews of Urbanitae

Users appreciate Urbanitae for its transparency, ease of use, and access to high-quality real estate projects. Generally, the platform receives positive feedback, highlighting the professionalism in selecting and managing investment opportunities. Today, it has nearly 1,500 verified reviews on Trustpilot.

With Urbanitae, investing in the Spanish real estate sector is accessible, simple, and secure. The platform enables investors to make informed decisions and enjoy investment opportunities that were traditionally reserved for large portfolios, opening up a range of possibilities to multiply capital in a diversified manner and with a moderate level of risk.