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Equipo Urbanitae
Everything about loans secured by a mortgage.
In real estate financing the establishment of collateral to ensure repayment is key.
Foreign investment, key to Spanish real estate
Foreign capital accounted for 90% of total real estate investment in the first quarter of 2022.
What is loan-to-cost?
When we talk about real estate loans, loan-to-cost and loan-to-value are two key indicators. Do you know what each one means?
5. Alternative investments: all you need to know
From expensive wines to cryptocurrencies, alternative investments are another way to diversify... as long as you know them well.
What is Loan-to-Value (LTV) and why is it important in a real estate investment?
Loan-to-value (LTV) is one of the main financial ratios used in the real estate sector and in mortgage lending. This indicator measures the level of risk in a transaction by comparing the loan amount with the value of the…
Paying off the mortgage or investing: which is better?
Deciding to pay off the mortgage early or keep the money invested is a fairly common issue among homeowners. It is not an easy choice, because you have to weigh the pros and cons of each option. In this article,…
Urbanitae arrives in Belgium!
Real estate crowdfunding has a new player in the Netherlands. Urbanitae arrives in Italy with the aim of further expanding access to real estate investment. After obtaining the European license in October 2022, we thought that Italy would be as…
Urbanitae arrives in the Netherlands!
Real estate crowdfunding has a new player in the Netherlands. Urbanitae arrives in Italy with the aim of further expanding access to real estate investment. We are still a startup, but after six years of existence, we believe that the…
Luxury investment is gaining ground in real estate
According to data from the consulting firm CBRE, Madrid was the second city that attracted the most foreign investment in Europe in 2022, driven by prime operations and only behind Berlin.
What is a sophisticated investor?
Previously, the law distinguished two categories for real estate crowdfunding: accredited investor and non-accredited investor. Now, the European criterion has changed.
Estimated or total return?
The principle that past performance does not guarantee future returns does not prevent us from talking about future returns, although we must do so with caution. That's when estimated profitability comes into play.
The benefits of diversification
If you’ve thought about investing, you’ve heard of the word diversification. Not putting all your eggs in the same basket – which is, in essence, diversifying – is one of the basic rules of investment that we have explained to…
How saving can multiply your investments
In another post we have talked about why before undertaking any investment it is necessary to have money saved. Now we want to tell you more about the power of saving: the potential effects of doing something as simple as…
4. How and where to invest
If you have already checked that your financial house is in order and you already know what you want to achieve with your investments and when, it remains to be asked: what exactly do I invest in? And it is…
What are SPVs?
VPS sound weird, but they are key instruments in crowdfunding and crowdlending projects. Here we tell you what they are and what they are for.
What are the returns on Urbanitae?
This is a key concept of investments, and almost of life in general. The idea of profitability, or that something pays off, is so widespread that we often use it on a day-to-day basis. For example, to decide if it…
3. How to plan investments well
Having clear investment objectives will help us make better decisions. For example, if we invest with a 20-year horizon – because we know that the long term is our friend – we will be more patient when things get worse.
What debt projects (or crowdlending) look like
Although it is always the same thing – financing a project – in the world of real estate crowdfunding there are two main types of strategies. On the one hand, there are capital gains projects (also known as equity crowdfunding);…
2. The basic rules of investing
The most important ingredient for investment success is time. That's why one of the basic investment rules is to start early.
Why the long term is good
The good thing about starting to invest is that it is always a good time. The most skilled investors are able to see the moment and jump... successfully. For most, time is key.
