How are investments in Urbanitae taxed?

You are not taxed when investing, only when returns or gains are generated

Profits are integrated into the savings base of the personal income tax (IRPF)

In most cases, a 19% withholding tax applies

Annual tax certificate to facilitate your tax return

Investing with tax knowledge allows you to understand your real profitability and make decisions with greater security.

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When is it taxed?

The mere investment in an Urbanitae project does not generate taxation. The taxable event occurs only when returns or gains are obtained.

Loan interest (debt / crowdlending)
Profits in equity projects
Return of capital without profit
Is it taxed?
Yes
Yes
No
How?
Return on movable capital
Capital gain (or dividend)
No taxation
Loan interest (debt / crowdlending)
Is it taxed?
Yes
How?
Return on movable capital
Profits in equity projects
Is it taxed?
Yes
How?
Capital gain (or dividend)
Return of capital without profit
Is it taxed?
No
How?
No taxation

In most cases, the developer applies a 19% withholding tax on the distributed profits, which is paid directly to the Tax Agency as an advance payment of your IRPF.

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How each type of project is taxed

Debt projects
(crowdlending)
Interest is taxed as returns on movable capital.
They are integrated into the savings base of the IRPF.
A 19% withholding tax is applied at the time of payment.
Exception in some equity projects
In certain cases, the profit may be distributed...
No prior withholding tax is applied.
The investor must declare the full gain in their IRPF, recording the acquisition value and the transfer value.
Return of capital
The return of the invested capital, when there is no profit, is not taxed.
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Which taxes apply and how much is paid?

Returns and gains are integrated into the savings base of the IRPF and are taxed according to the rates in force in each financial year (progressive brackets).

Savings returns
Tax rate (2026)
Up to €6,000
19%
€6,000 - €50,000
21%
€50,000 - €200,000
23%
€200,000 - €300,000
27%
Over €300,000
30%

The income is added to other savings returns (dividends, bank interest, etc.).

For companies: if you invest through a company, profits are taxed by Corporate Tax (general 25%).

If you invest through a company:

  • Returns are taxed by corporate tax (general rate 25%).
  • A 19% withholding tax is also applied to payments.

In equity projects, companies holding at least 5% of the capital can apply the double taxation exemption (95% of the profit exempt), in accordance with current regulations.

If you are subject to wealth tax, you must include your holdings as part of your total wealth, generally at their nominal value until the liquidation of the project.

Taxation may vary depending on the country of residence and the double taxation agreement applicable between Spain and that country.
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How do I prepare my tax return correctly?

From €500...

Urbanitae provides an annual tax certificate with:

Profits are integrated into the savings base of the IRPF.

In most cases, a 19% withholding tax applies.

Annual tax certificate to facilitate your tax return.

In most cases, this information will already appear incorporated in the draft tax return.

Bear in mind

  • Interest → return on movable capital.

  • Gains in equity → capital gain or dividend depending on the case.

  • If there was no withholding tax (liquidation quota), you must manually declare the gain.

Compensation of losses

Capital losses can be offset against gains from the same financial year and, if applicable, carried forward to subsequent years in accordance with current regulations.

Consult a tax advisor to optimise your tax return and avoid errors.

Invest with tax clarity

Understanding how your investments are taxed is not just a legal matter: it is part of responsible investing.

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