{"id":85662,"date":"2026-05-08T12:10:35","date_gmt":"2026-05-08T10:10:35","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=85662"},"modified":"2026-05-08T12:16:40","modified_gmt":"2026-05-08T10:16:40","slug":"flexible-financing-for-a-residential-market-that-needs-more-supply-and-new-models","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/en\/2026\/05\/08\/flexible-financing-for-a-residential-market-that-needs-more-supply-and-new-models\/","title":{"rendered":"Flexible financing for a residential market that needs more supply and new models"},"content":{"rendered":"\n

The Spanish residential market is facing an increasingly evident paradox: demand is growing, becoming more diverse and more demanding, while supply still fails to advance at the pace required. The lack of shovel-ready land, slow administrative processes, rising construction costs, and regulatory rigidity are limiting the sector\u2019s ability to respond to a major social and economic need: producing more housing<\/a>.<\/p>\n\n\n\n

This was one of the main conclusions of the editorial breakfast organized by Observatorio Inmobiliario<\/strong>, where various industry representatives analyzed the new residential cycle. Urbanitae was represented by Juan M\u00ednguez, Head of Debt<\/a><\/strong>, who shared our perspective on the role of alternative financing in a market that requires new formulas to drive viable projects forward.<\/p>\n\n\n\n

The event brought together professionals linked to development, consulting, architecture, asset management, sustainability, technology, and financing. Participants included \u00c1lvaro Alonso, Head of Living at Cushman & Wakefield; Daniel Toribio, CEO of Vivia; Miguel Silmi, Managing Director of Homes by Gestilar; Ana Mart\u00ednez de Lizarrondo, Spain Director at Urban Campus; Ang\u00e9lica Tarrasa, Segment Buildings Marketing Manager at Schneider Electric; Patricia Rodr\u00edguez, Certification Manager at BREEAM Spain; Aurelio Rodr\u00edguez, Business Director at Argis; Diego Escario, architect at Cano y Escario Arquitectura; and Jorge Gin\u00e9s, Managing Director of Asprima.<\/p>\n\n\n\n

Demand no longer responds to traditional models<\/h2>\n\n\n\n

The starting point was clear: Spain is building fewer homes than it needs. While annual housing production stands at around 80,000\u201390,000 units, the creation of new households is progressing at a much faster pace, generating an accumulated deficit<\/a> that several analyses estimate at hundreds of thousands of homes.<\/p>\n\n\n\n

But the problem is not only quantitative. The nature of demand has also changed. Households are smaller, labor mobility has increased, remote work has transformed residential habits, and many users are seeking more flexible solutions, especially in major cities<\/a> such as Madrid, Barcelona, Valencia, and M\u00e1laga.<\/p>\n\n\n\n

In this context, formats such as flex living<\/a>, coliving, student housing, and senior living are no longer viewed as niche products<\/strong>, but as concrete responses to new social needs. They offer more compact units, shared services, professional management, and a residential experience better adapted to users who increasingly behave like customers.<\/p>\n\n\n\n

The regulatory bottleneck<\/h2>\n\n\n\n

One of the most repeated points during the breakfast was the difficulty of adapting urban planning regulations to this new reality. Many master plans were designed decades ago, in a social and economic context very different from today\u2019s. Rigidity in changing permitted uses, differences between municipalities, and the discretionary interpretation of certain urban planning criteria<\/a> create uncertainty for developers, operators, and investors.<\/p>\n\n\n\n

Jorge Gin\u00e9s, Managing Director of Asprima, summarized it with a particularly illustrative statement: \u201cWe need urban planning to be liquid and flexible. It cannot be deterministic, and structural changes cannot become a burden.\u201d<\/p>\n\n\n\n

As highlighted during the discussion, the result is a market in which each project tends to become a unique case<\/strong>. This makes scalability more difficult, increases costs, and reduces the sector\u2019s ability to industrialize solutions. At a time when housing requires scale, agility, and efficiency, the lack of regulatory consistency becomes a major barrier.<\/p>\n\n\n\n

The role of local administrations was also emphasized. Many municipalities lack the technical, human, and technological resources needed to process permits and changes of use at the speed demanded by the market. This directly affects project viability and, ultimately, housing availability.<\/p>\n\n\n\n

Profitability: less price growth, more efficiency<\/h2>\n\n\n\n

The profitability of new residential models was another major topic of discussion. In a context of elevated costs and rents that are beginning to hit affordability limits in certain markets, the sector can no longer rely solely on rising prices.<\/p>\n\n\n\n

Juan M\u00ednguez emphasized this point, noting that \u201cthe secret to profitability<\/a> lies more in scale, in managing a volume of units that allows for efficiency, than in continuing to raise rents.\u201d In his view, there is still some room for rent growth in certain markets, but it is becoming increasingly limited: \u201cIn terms of rents, it is difficult to continue increasing them; the key lies in the cost base, in acquiring assets well and repositioning them efficiently.\u201d<\/p>\n\n\n\n

This perspective connects with a broader transformation in the sector. Operators are gaining importance, technology is becoming essential for controlling costs, sustainability is no longer a secondary element, and professional management is making the difference between viable projects and projects that fail to meet their objectives.<\/p>\n\n\n\n

As M\u00ednguez summarized, profitability increasingly depends on \u201coperational models at scale that allow efficiencies to be generated.\u201d Buying well, managing well, and knowing how to reposition assets<\/strong> are now just as important as location.<\/p>\n\n\n\n

\"Juan<\/figure>\n\n\n\n

Alternative financing as a complement to banks<\/h2>\n\n\n\n

In this context, financing is also evolving. Real estate is a capital-intensive activity with long timelines and different financial needs at each phase of a project. Traditionally, banks have played a central role, but in recent years complementary financing formulas capable of assuming different risk profiles and providing greater flexibility have gained relevance.<\/p>\n\n\n\n

\u201cUrbanitae is part of an alternative financing<\/a> ecosystem that complements the banking sector,\u201d M\u00ednguez explained during the event. \u201cIt operates at moments and with risk profiles that are different.\u201d<\/p>\n\n\n\n

This complementarity is especially relevant in phases where developers need capital before bank financing becomes available, or in structures that require greater flexibility. However, this capacity also requires analysis and discipline. As M\u00ednguez reminded attendees, \u201ceach transaction<\/a> must be analyzed on its own merits<\/strong>.\u201d<\/p>\n\n\n\n

From our perspective, this is one of the keys to the new cycle. It is not about financing any project, but about identifying transactions with solid real estate fundamentals, adequate guarantees, solvent developers, and balanced risk structures. In debt financing, this means analyzing the location, the asset, the urban planning situation, costs, timelines, exit strategy, and the quality of guarantees.<\/p>\n\n\n\n

M\u00ednguez also highlighted an important distinction: an alternative lender may assume certain risks that banks do not always take, but not every type of risk. \u201cI can take timing risk,\u201d he noted, \u201cbut not binary risk, a one-or-zero risk.\u201d<\/p>\n\n\n\n

A challenge that requires collaboration<\/h2>\n\n\n\n

The breakfast left one clear conclusion: the Spanish residential market has demand, capital, and investor interest, but it needs to resolve structural bottlenecks in order to transform that potential into actual housing supply.<\/p>\n\n\n\n

The lack of land<\/a>, labor shortages, regulatory rigidity, construction costs, and slow administrative processes are limiting housing production. At the same time, changing demand requires the development of new residential models that are more flexible, efficient, and professionally managed<\/strong>.<\/p>\n\n\n\n

At Urbanitae, we believe that alternative financing can play a relevant role in this scenario. Not as a substitute for banks or as a single solution to the housing problem, but as another tool to channel capital toward viable projects, accelerate certain development phases, and help more operations move forward.<\/p>\n","protected":false},"excerpt":{"rendered":"

The residential market needs more supply, new models and more flexible financing structures to respond to changing demand.<\/p>\n","protected":false},"author":5,"featured_media":85667,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1027,1085],"tags":[2104,888],"class_list":["post-85662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-investment-en","category-urbanitae-en","tag-inversion-inmobiliaria","tag-residential-sector"],"blocksy_meta":[],"yoast_head":"\nAlternative financing for a residential market that needs more supply<\/title>\n<meta name=\"description\" content=\"Spain\u2019s residential market faces a housing supply deficit and new demand models. 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Alternative Finanzierung f\u00fcr einen Wohnungsmarkt mit zu wenig Angebot."},{"@type":"BreadcrumbList","@id":"https:\/\/blog.urbanitae.com\/en\/2026\/05\/08\/flexible-financing-for-a-residential-market-that-needs-more-supply-and-new-models\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/blog.urbanitae.com\/en\/"},{"@type":"ListItem","position":2,"name":"Flexible financing for a residential market that needs more supply and new models"}]},{"@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\/e5bb9e2631cb466e117860587a0330ff","name":"Gonzalo Urdiales","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/f66470e77a86d44a1c46034ac7c9f2dc7d5a5286d039025b4b4404c6c02a7cdc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f66470e77a86d44a1c46034ac7c9f2dc7d5a5286d039025b4b4404c6c02a7cdc?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f66470e77a86d44a1c46034ac7c9f2dc7d5a5286d039025b4b4404c6c02a7cdc?s=96&d=mm&r=g","caption":"Gonzalo Urdiales"},"url":"https:\/\/blog.urbanitae.com\/en\/author\/gonzalo\/"}]}},"_links":{"self":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/posts\/85662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/comments?post=85662"}],"version-history":[{"count":3,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/posts\/85662\/revisions"}],"predecessor-version":[{"id":85675,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/posts\/85662\/revisions\/85675"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/media\/85667"}],"wp:attachment":[{"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/media?parent=85662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/categories?post=85662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.urbanitae.com\/en\/wp-json\/wp\/v2\/tags?post=85662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}