{"id":29610,"date":"2023-09-24T12:39:02","date_gmt":"2023-09-24T10:39:02","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=29610"},"modified":"2024-07-18T18:31:19","modified_gmt":"2024-07-18T16:31:19","slug":"17-crowdfunding-imobiliario-o-que-e-e-por-que-investir","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/09\/24\/17-crowdfunding-imobiliario-o-que-e-e-por-que-investir\/","title":{"rendered":"8. Crowdfunding imobili\u00e1rio: o que \u00e9 e por que investir"},"content":{"rendered":"\t\t
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Em Urbanitae, nos dedicamos a isso, por isso parece apropriado explicar neste blog o que \u00e9 o crowdfunding imobili\u00e1rio e por que \u00e9 uma alternativa de investimento interessante.<\/p>

O que \u00e9 crowdfunding imobili\u00e1rio<\/h2>

A ideia b\u00e1sica por tr\u00e1s do crowdfunding n\u00e3o poderia ser mais simples: muitas pessoas colaboram para levar adiante um projeto. Esse conceito \u00e9 t\u00e3o antigo quanto o ditado “A uni\u00e3o faz a for\u00e7a”<\/em> e, na verdade, um dos precedentes mais claros do crowdfunding remonta ao final do s\u00e9culo XIX. Voc\u00ea se lembra da Est\u00e1tua da Liberdade? Pois para ergu\u00ea-la, foi necess\u00e1ria uma coleta em que mais de 100.000 pessoas participaram. Puro crowdfunding.<\/p>

Portanto, podemos definir o crowdfunding imobili\u00e1rio como um modelo de financiamento coletivo que permite a um grupo diversificado de pessoas (os investidores) financiar projetos imobili\u00e1rios por meio de plataformas digitais, como o Urbanitae. Essas plataformas conectam promotores imobili\u00e1rios em busca de financiamento para seus projetos com investidores que desejam diversificar suas carteiras sem comprometer grandes somas de dinheiro.<\/p>

O crowdfunding imobili\u00e1rio, tamb\u00e9m conhecido como crowdfundiza\u00e7\u00e3o imobili\u00e1ria ou crowdfunding de im\u00f3veis, \u00e9 um modelo de financiamento coletivo que permite a um grupo diversificado de investidores financiar projetos imobili\u00e1rios por meio de plataformas digitais<\/strong>. Essas plataformas re\u00fanem promotores imobili\u00e1rios em busca de financiamento e investidores que desejam diversificar suas carteiras sem a necessidade de grandes somas de dinheiro.<\/p>

Como funciona<\/h2>

\u00c9 cada vez mais comum que os promotores imobili\u00e1rios recorram a fontes de financiamento alternativas aos bancos. Isso ocorre por v\u00e1rias raz\u00f5es. Desde a crise de 2008, os bancos tiveram sua exposi\u00e7\u00e3o ao setor imobili\u00e1rio<\/strong> limitada e a financiamento de terrenos praticamente vetado. Al\u00e9m disso, devido \u00e0 nova lei hipotec\u00e1ria de 2019, n\u00e3o \u00e9 t\u00e3o lucrativo para os bancos financiar habita\u00e7\u00f5es novas, uma vez que n\u00e3o ficam automaticamente com as hipotecas dos compradores.<\/p>

Portanto, as plataformas de crowdfunding imobili\u00e1rio representam uma alternativa eficiente e confi\u00e1vel para financiar projetos de at\u00e9 cinco milh\u00f5es de euros (o m\u00e1ximo permitido pela lei). No caso do Urbanitae<\/a>, o capital que levantamos geralmente \u00e9 destinado a financiar a compra do terreno em que o projeto ser\u00e1 desenvolvido ou o in\u00edcio das obras<\/strong> at\u00e9 a obten\u00e7\u00e3o do empr\u00e9stimo promotor. Tamb\u00e9m oferecemos nossa pr\u00f3pria modalidade de empr\u00e9stimo promotor.<\/p>

No caso do Urbanitae, a maioria dos projetos \u00e9 de natureza residencial – embora estejamos abertos a qualquer segmento com boas oportunidades. Escolhemos os projetos<\/a> com base em v\u00e1rios crit\u00e9rios, mas, principalmente, levamos em considera\u00e7\u00e3o a capacidade e a trajet\u00f3ria do promotor, o progresso comercial do projeto e o estado da licen\u00e7a de constru\u00e7\u00e3o. Al\u00e9m disso, submetemos a decis\u00e3o a um comit\u00ea de investimentos com especialistas externos.<\/p>

Existem dois grandes tipos de projetos: empr\u00e9stimo ou d\u00edvida (crowdlending imobili\u00e1rio)<\/a> e mais-valias (equity crowdfunding)<\/strong>. No primeiro caso, os investidores se unem para emprestar dinheiro ao promotor, geralmente na forma de um empr\u00e9stimo a taxa fixa. Ap\u00f3s o prazo, o promotor devolve o dinheiro e os investidores recuperam seu investimento com o devido retorno.<\/p>

Nos projetos de equity, os investidores entram em sociedade com o promotor, compartilhando assim os riscos do projeto e os lucros gerados, geralmente em torno de 15% ao ano. Aqui n\u00e3o h\u00e1 um prazo fixo, mas uma estimativa, uma vez que pode haver atrasos na comercializa\u00e7\u00e3o, na obten\u00e7\u00e3o da licen\u00e7a ou no aumento dos custos de constru\u00e7\u00e3o. No Urbanitae, a maioria dos projetos \u00e9 de mais-valias.<\/p>

Quem regula o crowdfunding imobili\u00e1rio<\/h2>

As plataformas de crowdfunding imobili\u00e1rio foram regulamentadas na Espanha desde 2015 pelo T\u00edtulo V da Lei 5\/2015. Em outubro de 2020, a Uni\u00e3o Europeia aprovou um regulamento para unificar a regulamenta\u00e7\u00e3o aplic\u00e1vel \u00e0s plataformas de financiamento participativo em toda a Europa, o Regulamento (UE) 2020\/1503. Este regulamento entrou em vigor na Espanha em 10 de novembro de 2021, embora as plataformas tenham at\u00e9 10 de novembro de 2023 para se adaptarem a ele. Na Espanha, a Lei 18\/2022 adapta a legisla\u00e7\u00e3o espanhola ao regime jur\u00eddico estabelecido a n\u00edvel europeu.<\/p>

Al\u00e9m disso, as plataformas de crowdfunding s\u00e3o supervisionadas pela Comiss\u00e3o Nacional do Mercado de Valores Mobili\u00e1rios e, a n\u00edvel europeu, pela Autoridade Europeia dos Valores Mobili\u00e1rios e dos Mercados (ESMA, na sigla em ingl\u00eas).<\/p>

Por que investir: vantagens e desvantagens<\/h2>

J\u00e1 falamos no blog sobre as vantagens de investir em crowdfunding imobili\u00e1rio<\/a>. A primeira \u00e9 que permite acessar oportunidades de investimento muito atraentes a partir de pequenas quantias, como 500 euros. Por isso, ajuda muitos investidores a diversificar suas carteiras incorporando um setor est\u00e1vel e resistente \u00e0 infla\u00e7\u00e3o, como o imobili\u00e1rio, sem se preocupar com aquisi\u00e7\u00f5es de propriedades ou gerenciamento. E, claro, a rentabilidade, muito superior \u00e0 de investir em habita\u00e7\u00e3o. No caso do Urbanitae, gira em torno de 17% ao ano<\/strong>, em m\u00e9dia.<\/p>

Entre as principais desvantagens, vale ressaltar que \u00e9 um investimento il\u00edquido, ou seja, voc\u00ea n\u00e3o pode se desfazer dele at\u00e9 que o projeto seja conclu\u00eddo. Outra poss\u00edvel desvantagem \u00e9 o prazo, que geralmente gira em torno de 24 meses. Tamb\u00e9m \u00e9 preciso mencionar que, como qualquer investimento, o crowdfunding imobili\u00e1rio n\u00e3o est\u00e1 isento de riscos<\/strong>: apesar de todas as precau\u00e7\u00f5es, o investidor pode perder capital.<\/p>

Resumindo, o crowdfunding imobili\u00e1rio revolucionou a maneira como as pessoas investem em im\u00f3veis, democratizando o acesso a oportunidades de investimento de qualidade. Embora tenha vantagens e desvantagens, seu crescimento cont\u00ednuo mostra que \u00e9 uma tend\u00eancia que veio para ficar e est\u00e1 em constante evolu\u00e7\u00e3o. E voc\u00ea?<\/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

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\n\n <\/i><\/span> \n Epis\u00f3dio anterior<\/span>\n\n <\/div>\n\t <\/a>\n <\/div>\n \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
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\u00c9 poss\u00edvel investir em im\u00f3veis a partir de 500 euros e com rendimentos de dois d\u00edgitos. Contamos como.<\/p>\n","protected":false},"author":1,"featured_media":68739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[853,1667],"tags":[1758,995,1983,957,1986,1014],"class_list":["post-29610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprenda-a-investir","category-guia-de-investimento-para-principiantes","tag-crowdfunding-pt-pt","tag-financiamento-coletivo","tag-inversion-inmobiliaria-pt-pt","tag-investimento-imobiliario","tag-prestito-collettivo-immobiliare-pt-pt","tag-urbanitae-pt"],"yoast_head":"\n8. 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