{"id":21470,"date":"2023-01-20T13:20:35","date_gmt":"2023-01-20T12:20:35","guid":{"rendered":"https:\/\/blog.urbanitae.com\/2023\/01\/20\/8-come-sono-i-progetti-di-debito-crowdlending\/"},"modified":"2024-07-03T17:18:04","modified_gmt":"2024-07-03T15:18:04","slug":"8-come-sono-i-progetti-di-debito-crowdlending","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/it\/2023\/01\/20\/8-come-sono-i-progetti-di-debito-crowdlending\/","title":{"rendered":"Come sono i progetti di debito (crowdlending)?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"21470\" class=\"elementor elementor-21470 elementor-13730\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b2850a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"7b2850a9\" 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-49d64c9b\" data-id=\"49d64c9b\" 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-7f4f2b5d elementor-widget elementor-widget-text-editor\" data-id=\"7f4f2b5d\" 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>Anche se \u00e8 sempre la stessa cosa \u2013 finanziare un progetto \u2013 nel mondo del crowdfunding immobiliare ci sono due tipi principali di strategie. Da un lato, ci sono progetti di <em>plusvalenze<\/em> (noto anche come <em>equity crowdfunding);<\/em> dall&#8217;altro, progetti di prestito o di debito (chiamato anche <em>crowdlending<\/em> o <em>crowdfunding basato sul debito).<\/em> Non siamo tanto interessati ai nomi quanto alle differenze.<\/p><p>La differenza pi\u00f9 importante \u00e8 il grado di associazione degli investitori con il progetto. Mentre nelle plusvalenze, gli investitori con partner di progetto, nei progetti di debito <em>prestano solo <\/em>i soldi allo sviluppatore. Nel primo caso, gli investitori di solito entrano in una fase precedente del progetto. Ottengono i loro soldi indietro solo una volta che tutte le case nello sviluppo sono state costruite e vendute. <strong>Nei progetti di prestito, lo recuperano alla scadenza del termine e con gli interessi precedentemente fissati.<\/strong><\/p>\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 class=\"elementor-section elementor-top-section elementor-element elementor-element-b8aa0df elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"b8aa0df\" 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-aeaff7b\" data-id=\"aeaff7b\" 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-dc3ec1e elementor-widget elementor-widget-video\" data-id=\"dc3ec1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/3uP80V5ePjg&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\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 class=\"elementor-section elementor-top-section elementor-element elementor-element-efb1327 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"efb1327\" 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-2f7005e\" data-id=\"2f7005e\" 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-8113a38 elementor-widget elementor-widget-text-editor\" data-id=\"8113a38\" 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>Ecco perch\u00e9 i progetti di\u00a0<em>equity<\/em> tendono ad avere scadenze pi\u00f9 lunghe. Condividendo i rischi tra investitore e promotore, i rendimenti sono pi\u00f9 elevati. Nei prestiti, tuttavia,\u00a0<strong>La chiave \u00e8 garantire la capacit\u00e0 dello sviluppatore di rimborsare.<\/strong>\u00a0 Cio\u00e8, i rischi del progetto sono simili, dal momento che parliamo sempre di sviluppo immobiliare. Ma il rimborso del prestito non \u00e8 legato, ad esempio, alla vendita di tutte le quote. Una volta trascorso il termine, il promotore deve restituire il denaro. Se hai cosa, nessun problema.<\/p><p>\u00c8 qui che entrano in gioco le garanzie. Un chiaro esempio \u00e8 un mutuo. Se il prestito \u00e8 accompagnato da una garanzia ipotecaria, ci\u00f2 significa che il mutuatario del denaro risponde, in caso di inadempienza, con l&#8217;immobile ipotecato, ad esempio l&#8217;azienda agricola in cui si trova il progetto. Se lo sviluppatore non pu\u00f2 restituire il denaro alla scadenza, l&#8217;ipoteca viene pignorata e la propriet\u00e0, in questo caso la propriet\u00e0, passa nelle mani del creditore.<\/p><p>Tuttavia, la garanzia deve avere un valore sufficiente. Pertanto, un criterio utile quando si concede un prestito \u00e8\u00a0<strong><em> guarda <em>il loan-to-value\u00a0<\/em> (LTV).\u00a0<\/em>\u00a0 In altre parole, stiamo parlando della percentuale che il prestito rappresenta sul valore totale della garanzia.<\/strong> Pi\u00f9 basso \u00e8 l&#8217;LTV, pi\u00f9 sicuro \u00e8 considerato il prestito. \u00c8 logico. Se l&#8217;LTV \u00e8 del 40%, significa che ho prestato l&#8217;equivalente del 40% del valore della garanzia. Se eseguita, la garanzia coprirebbe pi\u00f9 che la mia esposizione.<\/p><h2>Debito in Urbanitae<\/h2><p>In Urbanitae, otto dei dieci progetti che finanziamo provengono da\u00a0<em>Giustizia<\/em>\u00a0 o plusvalenze. Tra\u00a0la <a href=\"https:\/\/www.youtube.com\/watch?v=bLPHbj-RIQU&amp;utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0123&amp;utm_term=crowdfunding_inmobiliario&amp;utm_content=matias_como_son_los_proyectos_de_deuda_crowdlending\">ragione<\/a>, come spiega Diego Bestard, \u00e8 la difficolt\u00e0 dei promotori nel trovare partner capitalisti in progetti di piccole e medie dimensioni. Ciononostante\u00a0<strong>Abbiamo finanziato pi\u00f9 di 18 milioni di euro in\u00a0<em>crowdlending.<\/em><\/strong>\u00a0 Un totale di 19 progetti che vanno da 300.000 euro a 3 milioni, come\u00a0<a href=\"https:\/\/urbanitae.com\/proyecto\/P000162?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0123&amp;utm_term=urbanitae2&amp;utm_content=matias_como_son_los_proyectos_de_deuda_crowdlending\">Casa della Cascata<\/a>.<\/p><p>Si tratta di cifre che ci aspettiamo aumentino rapidamente con il lancio del nostro\u00a0<a href=\"https:\/\/blog.urbanitae.com\/2022\/10\/27\/lanzamos-nuestro-prestamo-promotor-con-respuesta-en-7-dias\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0123&amp;utm_term=crowdlending&amp;utm_content=matias_como_son_los_proyectos_de_deuda_crowdlending\" target=\"_blank\" rel=\"noreferrer noopener\">Prestito promotore<\/a>. Questo prodotto \u00e8 focalizzato sugli sviluppatori che non ottengono finanziamenti per iniziare i lavori nonostante soddisfino requisiti come la propriet\u00e0 del terreno su cui verr\u00e0 promosso, la licenza edilizia concessa e una commercializzazione compresa tra il 40 e il 60%.<\/p>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Anche se \u00e8 sempre la stessa cosa \u2013 finanziare un progetto \u2013 nel mondo del crowdfunding immobiliare ci sono due tipi principali di strategie. Da un lato, ci sono progetti di plusvalenze (noto anche come equity crowdfunding); dall&#8217;altro, progetti di prestito o di debito (chiamato&#8230;<\/p>\n","protected":false},"author":1,"featured_media":37559,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[723,846,822],"tags":[1507,1000,1012,969,1917,971,1955,1013,1011],"class_list":["post-21470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprende-a-invertir","category-impara-a-investire","category-learn-to-invest","tag-aprende","tag-crowdlending-it","tag-debito-immobiliare","tag-giustizia","tag-impara","tag-plusvalenza","tag-prestito-collettivo-immobiliare","tag-prestito-per-sviluppatori","tag-urbanitae-it"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Come sono i progetti di debito (crowdlending)? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"In che modo un progetto azionario \u00e8 diverso da un progetto di debito? 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