{"id":35363,"date":"2024-01-17T16:30:13","date_gmt":"2024-01-17T15:30:13","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?page_id=35363"},"modified":"2024-02-05T00:13:48","modified_gmt":"2024-02-04T23:13:48","slug":"learn-intermediate-level","status":"publish","type":"page","link":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/","title":{"rendered":"Learn &#8211; Intermediate Level"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"35363\" class=\"elementor elementor-35363 elementor-35362\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e9a6165 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9a6165\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6a5bbc4\" data-id=\"6a5bbc4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e516d96 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e516d96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"tit-aprende\"><span style=\"color: #ffffff;\">Intermediate Level<\/span><span style=\"font-family: 'Roboto Condensed', sans-serif; font-size: 38px; font-weight: 400; letter-spacing: -0.3px;\"> <\/span><\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc5b30 elementor-widget elementor-widget-text-editor\" data-id=\"1fc5b30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong class=\"subtit-aprende\">Here you&#8217;ll find more advanced concepts, risk management tips, and information on various asset classes.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ad01537\" data-id=\"ad01537\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a72eb03 elementor-widget__width-initial elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"a72eb03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/elementor\/thumbs\/n-medio-1-qxc2rc995p11m18nmn2kndvh9vozj6ldd55ypssz70.webp\" title=\"n-medio.webp\" alt=\"n-medio.webp\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-abec67f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abec67f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-12dce2a\" data-id=\"12dce2a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4ef48b elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"e4ef48b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;pagination_type&quot;:&quot;numbers_and_prev_next&quot;,&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-87149 post type-post status-publish format-standard has-post-thumbnail hentry category-projects category-urbanitae-en tag-equity-crowdfunding-en tag-inversion-inmobiliaria tag-real-estate-crowdfunding tag-urbanitae-en\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/14\/allonbay-aura-an-equity-exit-that-helps-explain-where-returns-come-from\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1400\" height=\"735\" src=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/rentabilidad-equity-inmobiliario.webp\" class=\"attachment-full size-full wp-image-87148\" alt=\"Rentabilidad en equity inmobiliario: el caso Allonbay Aura. Real estate equity returns: the Allonbay Aura case. Rendement en equity immobilier : le cas Allonbay Aura. Redditivit\u00e0 nell\u2019equity immobiliare: il caso Allonbay Aura. Rentabilidade no equity imobili\u00e1rio: o caso Allonbay Aura. Rendite von Immobilien-Equity: der Fall Allonbay Aura.\" srcset=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/rentabilidad-equity-inmobiliario.webp 1400w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/rentabilidad-equity-inmobiliario-300x158.webp 300w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/rentabilidad-equity-inmobiliario-1024x538.webp 1024w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/rentabilidad-equity-inmobiliario-768x403.webp 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Projects<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/14\/allonbay-aura-an-equity-exit-that-helps-explain-where-returns-come-from\/\" >\n\t\t\t\tAllonbay Aura: An Equity Exit That Helps Explain Where Returns Come From\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/14\/allonbay-aura-an-equity-exit-that-helps-explain-where-returns-come-from\/\" aria-label=\"Read more about Allonbay Aura: An Equity Exit That Helps Explain Where Returns Come From\" tabindex=\"-1\" >\n\t\t\tRead more \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-87113 post type-post status-publish format-standard has-post-thumbnail hentry category-learn-to-invest tag-financial-education tag-investment tag-save tag-taxation\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/12\/what-to-do-with-your-tax-refund-how-to-use-it-to-improve-your-savings-or-start-investing\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"735\" src=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/que-hacer-con-la-devolucion-de-la-renta.webp\" class=\"attachment-full size-full wp-image-87112\" alt=\"Qu\u00e9 hacer con la devoluci\u00f3n de la renta: ahorrar o invertir. What to do with a tax refund: save or invest. Que faire avec un remboursement d\u2019imp\u00f4t : \u00e9pargner ou investir. Cosa fare con il rimborso fiscale: risparmiare o investire. O que fazer com o reembolso do IRS: poupar ou investir. Was tun mit einer Steuererstattung: sparen oder investieren.\" srcset=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/que-hacer-con-la-devolucion-de-la-renta.webp 1400w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/que-hacer-con-la-devolucion-de-la-renta-300x158.webp 300w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/que-hacer-con-la-devolucion-de-la-renta-1024x538.webp 1024w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/que-hacer-con-la-devolucion-de-la-renta-768x403.webp 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Learn to invest<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/12\/what-to-do-with-your-tax-refund-how-to-use-it-to-improve-your-savings-or-start-investing\/\" >\n\t\t\t\tWhat to Do with Your Tax Refund: How to Use It to Improve Your Savings or Start Investing\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/12\/what-to-do-with-your-tax-refund-how-to-use-it-to-improve-your-savings-or-start-investing\/\" aria-label=\"Read more about What to Do with Your Tax Refund: How to Use It to Improve Your Savings or Start Investing\" tabindex=\"-1\" >\n\t\t\tRead more \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-87073 post type-post status-publish format-standard has-post-thumbnail hentry category-real-estate-investment-en tag-inversion-inmobiliaria tag-prime-assets tag-prime-residential tag-urbanitae-en\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/11\/prime-residential-in-spain-less-volume-more-quality\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"735\" src=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/residencial-prime-Espana.webp\" class=\"attachment-full size-full wp-image-87072\" alt=\"Residencial prime en Espa\u00f1a: menos volumen y m\u00e1s calidad. Prime residential in Spain: less volume, more quality. R\u00e9sidentiel prime en Espagne : moins de volume, plus de qualit\u00e9. Residenziale prime in Spagna: meno volume, pi\u00f9 qualit\u00e0. Residencial prime em Espanha: menos volume, mais qualidade. Prime-Wohnimmobilien in Spanien: weniger Volumen, mehr Qualit\u00e4t.\" srcset=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/residencial-prime-Espana.webp 1400w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/residencial-prime-Espana-300x158.webp 300w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/residencial-prime-Espana-1024x538.webp 1024w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/residencial-prime-Espana-768x403.webp 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Real estate investment<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/11\/prime-residential-in-spain-less-volume-more-quality\/\" >\n\t\t\t\tPrime Residential in Spain: Less Volume, More Quality\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/11\/prime-residential-in-spain-less-volume-more-quality\/\" aria-label=\"Read more about Prime Residential in Spain: Less Volume, More Quality\" tabindex=\"-1\" >\n\t\t\tRead more \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-87062 post type-post status-publish format-standard has-post-thumbnail hentry category-debt category-projects tag-inversion-inmobiliaria tag-real-estate-crowdfunding\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/10\/torrinha-gardens-ii-new-10-annual-debt-tranche-for-tourist-apartments-in-porto\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"735\" src=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/deuda-inmobiliaria-oporto.webp\" class=\"attachment-full size-full wp-image-87061\" alt=\"Deuda inmobiliaria en Oporto al 10% anual. Real estate debt in Porto at 10% annual return. Dette immobili\u00e8re \u00e0 Porto \u00e0 10 % annuel. Debito immobiliare a Porto al 10% annuo. D\u00edvida imobili\u00e1ria no Porto a 10% ao ano. Immobilienkredit in Porto mit 10 % j\u00e4hrlicher Rendite.\" srcset=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/deuda-inmobiliaria-oporto.webp 1400w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/deuda-inmobiliaria-oporto-300x158.webp 300w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/deuda-inmobiliaria-oporto-1024x538.webp 1024w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/deuda-inmobiliaria-oporto-768x403.webp 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Debt<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/10\/torrinha-gardens-ii-new-10-annual-debt-tranche-for-tourist-apartments-in-porto\/\" >\n\t\t\t\tTorrinha Gardens II: New 10% Annual Debt Tranche for Tourist Apartments in Porto\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/10\/torrinha-gardens-ii-new-10-annual-debt-tranche-for-tourist-apartments-in-porto\/\" aria-label=\"Read more about Torrinha Gardens II: New 10% Annual Debt Tranche for Tourist Apartments in Porto\" tabindex=\"-1\" >\n\t\t\tRead more \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-86988 post type-post status-publish format-standard has-post-thumbnail hentry category-equity-en category-projects tag-equity-crowdfunding-en tag-real-estate-crowdfunding tag-sector-comercial-en\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/10\/lavapies-50-value-add-opportunity-in-a-residential-building-in-central-madrid\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"735\" src=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/plusvalia-inmobiliaria-Madrid-Centro.webp\" class=\"attachment-full size-full wp-image-86987\" alt=\"Plusval\u00eda inmobiliaria en Madrid Centro: Lavapi\u00e9s 50. Real estate capital gains in Madrid city centre: Lavapi\u00e9s 50. Plus-value immobili\u00e8re dans le centre de Madrid : Lavapi\u00e9s 50. Plusvalenza immobiliare nel centro di Madrid: Lavapi\u00e9s 50. Mais-valia imobili\u00e1ria no centro de Madrid: Lavapi\u00e9s 50. Immobilienwertsteigerung im Zentrum von Madrid: Lavapi\u00e9s 50.\" srcset=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/plusvalia-inmobiliaria-Madrid-Centro.webp 1400w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/plusvalia-inmobiliaria-Madrid-Centro-300x158.webp 300w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/plusvalia-inmobiliaria-Madrid-Centro-1024x538.webp 1024w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/plusvalia-inmobiliaria-Madrid-Centro-768x403.webp 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Equity<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/10\/lavapies-50-value-add-opportunity-in-a-residential-building-in-central-madrid\/\" >\n\t\t\t\tLavapi\u00e9s 50: Value-Add Opportunity in a Residential Building in Central Madrid\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/10\/lavapies-50-value-add-opportunity-in-a-residential-building-in-central-madrid\/\" aria-label=\"Read more about Lavapi\u00e9s 50: Value-Add Opportunity in a Residential Building in Central Madrid\" tabindex=\"-1\" >\n\t\t\tRead more \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-86946 post type-post status-publish format-standard has-post-thumbnail hentry category-learn-to-invest category-real-estate-crowdfunding-en tag-diversificacao tag-equity-crowdfunding-en tag-real-estate-crowdfunding tag-real-estate-crowdlending tag-sector-comercial-en tag-urbanitae-en\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/08\/real-estate-crowdfunding-how-to-combine-equity-debt-and-cre-based-on-your-goals\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"735\" src=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/combinar-crowdfunding-inmobiliario.webp\" class=\"attachment-full size-full wp-image-86945\" alt=\"C\u00f3mo combinar crowdfunding inmobiliario: plusval\u00eda, deuda y CRE. How to combine real estate crowdfunding: value-add, debt and CRE. Comment combiner crowdfunding immobilier : value-add, dette et CRE. Come combinare crowdfunding immobiliare: value-add, debito e CRE. Como combinar crowdfunding imobili\u00e1rio: mais-valia, d\u00edvida e CRE. Wie man Immobilien-Crowdfunding kombiniert: Value-Add, Debt und CRE.\" srcset=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/combinar-crowdfunding-inmobiliario.webp 1400w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/combinar-crowdfunding-inmobiliario-300x158.webp 300w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/combinar-crowdfunding-inmobiliario-1024x538.webp 1024w, https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/06\/combinar-crowdfunding-inmobiliario-768x403.webp 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Learn to invest<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/08\/real-estate-crowdfunding-how-to-combine-equity-debt-and-cre-based-on-your-goals\/\" >\n\t\t\t\tReal Estate Crowdfunding: How to Combine Equity, Debt and CRE Based on Your Goals\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/06\/08\/real-estate-crowdfunding-how-to-combine-equity-debt-and-cre-based-on-your-goals\/\" aria-label=\"Read more about Real Estate Crowdfunding: How to Combine Equity, Debt and CRE Based on Your Goals\" tabindex=\"-1\" >\n\t\t\tRead more \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"144\" data-next-page=\"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/35363\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span class=\"page-numbers prev\">\u00ab Previous<\/span>\n<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/35363\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/35363\/page\/3\/\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<span class=\"page-numbers dots\">&hellip;<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/35363\/page\/10\/\"><span class=\"elementor-screen-only\">Page<\/span>10<\/a>\n<a class=\"page-numbers next\" href=\"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/35363\/page\/2\/\">Next \u00bb<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4c04768 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4c04768\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-615f37c\" data-id=\"615f37c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Intermediate Level Here you&#8217;ll find more advanced concepts, risk management tips, and information on various asset classes. Subscribe to our Newsletter<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":21123,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_theme","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-35363","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Learn - Intermediate Level - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Here you&#039;ll find more advanced concepts of investment, risk management tips, and information on various asset classes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Learn - Intermediate Level\" \/>\n<meta property=\"og:description\" content=\"Here you&#039;ll find more advanced concepts, risk management tips, and information on various asset classes.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/\" \/>\n<meta property=\"og:site_name\" content=\"Urbanitae Blog | The best real estate investment news\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/urbanitae\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-04T23:13:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/elementor\/thumbs\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@urbanitae\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"ScholarlyArticle\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/\"},\"author\":{\"name\":\"Nacho Oncina\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#\\\/schema\\\/person\\\/8a1f68d412ffaf85548d0cce3859fd7a\"},\"headline\":\"Learn &#8211; Intermediate Level\",\"datePublished\":\"2024-01-17T15:30:13+00:00\",\"dateModified\":\"2024-02-04T23:13:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/\"},\"wordCount\":26,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp\",\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/\",\"name\":\"Learn - Intermediate Level - Urbanitae Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp\",\"datePublished\":\"2024-01-17T15:30:13+00:00\",\"dateModified\":\"2024-02-04T23:13:48+00:00\",\"description\":\"Here you'll find more advanced concepts of investment, risk management tips, and information on various asset classes.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp\",\"contentUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/learn\\\/learn-intermediate-level\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Learn\",\"item\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/aprende\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Learn &#8211; Intermediate Level\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/\",\"name\":\"Urbanitae Blog | Las mejores noticias sobre inversi\u00f3n inmobiliaria\",\"description\":\"Real estate investment for everyone\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#organization\",\"name\":\"Urbanitae\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2020\\\/04\\\/logo-verde_350x100.svg\",\"contentUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2020\\\/04\\\/logo-verde_350x100.svg\",\"width\":350,\"height\":100,\"caption\":\"Urbanitae\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/urbanitae\",\"https:\\\/\\\/x.com\\\/urbanitae\",\"https:\\\/\\\/www.instagram.com\\\/urbanitae\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/urbanitae\",\"https:\\\/\\\/www.pinterest.es\\\/UrbanitaeSL\\\/_created\\\/\",\"https:\\\/\\\/www.youtube.com\\\/c\\\/Urbanitae_RE\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/#\\\/schema\\\/person\\\/8a1f68d412ffaf85548d0cce3859fd7a\",\"name\":\"Nacho Oncina\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/65b5ebaf01d4f8730f607ea4e38bbbb6bdd23ff5088bd901b0d26055b4f9a44d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/65b5ebaf01d4f8730f607ea4e38bbbb6bdd23ff5088bd901b0d26055b4f9a44d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/65b5ebaf01d4f8730f607ea4e38bbbb6bdd23ff5088bd901b0d26055b4f9a44d?s=96&d=mm&r=g\",\"caption\":\"Nacho Oncina\"},\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/author\\\/nacho-oncinaurbanitae-com\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Learn - Intermediate Level - Urbanitae Blog","description":"Here you'll find more advanced concepts of investment, risk management tips, and information on various asset classes.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/","og_locale":"en_GB","og_type":"article","og_title":"Learn - Intermediate Level","og_description":"Here you'll find more advanced concepts, risk management tips, and information on various asset classes.","og_url":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/","og_site_name":"Urbanitae Blog | The best real estate investment news","article_publisher":"https:\/\/www.facebook.com\/urbanitae","article_modified_time":"2024-02-04T23:13:48+00:00","og_image":[{"url":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/elementor\/thumbs\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_site":"@urbanitae","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"ScholarlyArticle","@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/#article","isPartOf":{"@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/"},"author":{"name":"Nacho Oncina","@id":"https:\/\/blog.urbanitae.com\/en\/#\/schema\/person\/8a1f68d412ffaf85548d0cce3859fd7a"},"headline":"Learn &#8211; Intermediate Level","datePublished":"2024-01-17T15:30:13+00:00","dateModified":"2024-02-04T23:13:48+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/"},"wordCount":26,"publisher":{"@id":"https:\/\/blog.urbanitae.com\/en\/#organization"},"image":{"@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/elementor\/thumbs\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp","inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/","url":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/","name":"Learn - Intermediate Level - Urbanitae Blog","isPartOf":{"@id":"https:\/\/blog.urbanitae.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/#primaryimage"},"image":{"@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/elementor\/thumbs\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp","datePublished":"2024-01-17T15:30:13+00:00","dateModified":"2024-02-04T23:13:48+00:00","description":"Here you'll find more advanced concepts of investment, risk management tips, and information on various asset classes.","breadcrumb":{"@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/#primaryimage","url":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/elementor\/thumbs\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp","contentUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/elementor\/thumbs\/n-medio-1-qjc2zjta02m3jhiohb8fhir1ym0veuzed58a08od1c.webp"},{"@type":"BreadcrumbList","@id":"https:\/\/blog.urbanitae.com\/en\/learn\/learn-intermediate-level\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/blog.urbanitae.com\/en\/"},{"@type":"ListItem","position":2,"name":"Learn","item":"https:\/\/blog.urbanitae.com\/en\/aprende\/"},{"@type":"ListItem","position":3,"name":"Learn &#8211; Intermediate Level"}]},{"@type":"WebSite","@id":"https:\/\/blog.urbanitae.com\/en\/#website","url":"https:\/\/blog.urbanitae.com\/en\/","name":"Urbanitae Blog | Las mejores noticias sobre inversi\u00f3n inmobiliaria","description":"Real estate investment for everyone","publisher":{"@id":"https:\/\/blog.urbanitae.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.urbanitae.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/blog.urbanitae.com\/en\/#organization","name":"Urbanitae","url":"https:\/\/blog.urbanitae.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/blog.urbanitae.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2020\/04\/logo-verde_350x100.svg","contentUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2020\/04\/logo-verde_350x100.svg","width":350,"height":100,"caption":"Urbanitae"},"image":{"@id":"https:\/\/blog.urbanitae.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/urbanitae","https:\/\/x.com\/urbanitae","https:\/\/www.instagram.com\/urbanitae","https:\/\/www.linkedin.com\/company\/urbanitae","https:\/\/www.pinterest.es\/UrbanitaeSL\/_created\/","https:\/\/www.youtube.com\/c\/Urbanitae_RE"]},{"@type":"Person","@id":"https:\/\/blog.urbanitae.com\/en\/#\/schema\/person\/8a1f68d412ffaf85548d0cce3859fd7a","name":"Nacho Oncina","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/65b5ebaf01d4f8730f607ea4e38bbbb6bdd23ff5088bd901b0d26055b4f9a44d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65b5ebaf01d4f8730f607ea4e38bbbb6bdd23ff5088bd901b0d26055b4f9a44d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/65b5ebaf01d4f8730f607ea4e38bbbb6bdd23ff5088bd901b0d26055b4f9a44d?s=96&d=mm&r=g","caption":"Nacho Oncina"},"url":"https:\/\/blog.urbanitae.com\/en\/author\/nacho-oncinaurbanitae-com\/"}]}},"_links":{"self":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/35363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/comments?post=35363"}],"version-history":[{"count":0,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/35363\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/pages\/21123"}],"wp:attachment":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/media?parent=35363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}