{"id":29610,"date":"2023-09-24T12:39:02","date_gmt":"2023-09-24T10:39:02","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=29610"},"modified":"2026-09-24T14:11:12","modified_gmt":"2026-09-24T12:11:12","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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O crowdfunding imobili\u00e1rio consolidou-se nos \u00faltimos anos como uma alternativa de investimento dentro do setor imobili\u00e1rio.<\/p>

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

A ideia b\u00e1sica por detr\u00e1s do crowdfunding n\u00e3o podia ser mais simples: permitir que muitas pessoas colaborem para levar adiante um projeto. O conceito baseia-se no financiamento coletivo, em que v\u00e1rios investidores aportam capital para um mesmo projeto.<\/p>

Assim, podemos definir o crowdfunding imobili\u00e1rio como um modelo de financiamento coletivo que permite a um grupo diverso de pessoas \u2014 os investidores \u2014 financiar projetos imobili\u00e1rios atrav\u00e9s de plataformas digitais, como a Urbanitae<\/a>. Estas plataformas p\u00f5em em contacto promotores imobili\u00e1rios que procuram financiamento para os seus projetos com investidores que querem diversificar a sua carteira sem comprometer grandes quantias de dinheiro.<\/p>

Como funciona<\/h2>

\u00c9 cada vez mais frequente que os promotores imobili\u00e1rios recorram a fontes de financiamento alternativas aos bancos. Isto acontece por v\u00e1rias raz\u00f5es. Desde a crise de 2008, os bancos limitaram a sua exposi\u00e7\u00e3o ao setor imobili\u00e1rio<\/strong> e t\u00eam praticamente vetado o financiamento de terrenos. Al\u00e9m disso, devido \u00e0 nova lei hipotec\u00e1ria de 2019, j\u00e1 n\u00e3o lhes \u00e9 t\u00e3o rent\u00e1vel financiar habita\u00e7\u00e3o de obra nova, uma vez que n\u00e3o ficam automaticamente com as hipotecas dos compradores.<\/p>

Assim, as plataformas de crowdfunding imobili\u00e1rio representam uma alternativa eficiente e fi\u00e1vel para financiar projetos at\u00e9 cinco milh\u00f5es de euros \u2014 o m\u00e1ximo autorizado por lei. No caso da Urbanitae<\/a>, o capital que levantamos costuma destinar-se a financiar a compra do terreno onde o projeto ser\u00e1 desenvolvido ou o arranque das obras<\/strong> at\u00e9 \u00e0 obten\u00e7\u00e3o do empr\u00e9stimo promotor. Tamb\u00e9m oferecemos a nossa pr\u00f3pria modalidade de empr\u00e9stimo promotor<\/a>.<\/p>

Em muitas plataformas de crowdfunding imobili\u00e1rio, a maior parte dos projetos \u00e9 de \u00e2mbito residencial \u2014 embora estejamos abertos a qualquer segmento com boas oportunidades. Escolhemos os projetos<\/a> em fun\u00e7\u00e3o de v\u00e1rios crit\u00e9rios, mas, acima de tudo, olhamos para a capacidade e o hist\u00f3rico do promotor, o avan\u00e7o comercial do projeto e o estado da licen\u00e7a de obras. Al\u00e9m disso, submetemos a decis\u00e3o a um comit\u00e9 de investimento com especialistas externos.<\/p>

Existem dois grandes tipos de projetos: de empr\u00e9stimo ou d\u00edvida \u2014 crowdlending<\/a> imobili\u00e1rio \u2014 e de mais-valias \u2014 equity crowdfunding.<\/strong> No primeiro caso, os investidores agrupam-se para emprestar dinheiro ao promotor, geralmente sob a forma de um empr\u00e9stimo a taxa fixa. Cumprido o prazo, o promotor devolve o dinheiro e os investidores recuperam o seu investimento com a rentabilidade correspondente.<\/p>

Nos projetos de equity, os investidores entram em sociedade com o promotor, de modo que partilham os riscos do projeto e tamb\u00e9m a rentabilidade gerada, habitualmente em torno de 15% ao ano. Aqui n\u00e3o existe um prazo predefinido, mas sim uma estimativa, uma vez que podem ocorrer atrasos na comercializa\u00e7\u00e3o, na obten\u00e7\u00e3o da licen\u00e7a ou aumentos nos custos de constru\u00e7\u00e3o. Na Urbanitae, a maioria dos projetos<\/a> \u00e9 de mais-valias.<\/p>

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

As plataformas de crowdfunding imobili\u00e1rio estavam reguladas em Espanha desde 2015 pelo t\u00edtulo V da Lei 5\/2015<\/strong><\/a>. Em outubro de 2020, a Uni\u00e3o Europeia aprovou um regulamento para unificar, a n\u00edvel europeu, a legisla\u00e7\u00e3o aplic\u00e1vel \u00e0s plataformas de financiamento participativo, o Regulamento (UE) 2020\/1503<\/strong><\/a>. Este regulamento aplica-se em Espanha desde 10 de novembro de 2021, embora as plataformas tenham tido at\u00e9 10 de novembro de 2023 para se adaptarem ao mesmo. Em Espanha, a Lei 18\/2022<\/strong><\/a> \u00e9 a que 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 e, a n\u00edvel europeu, pela Autoridade Europeia dos Valores Mobili\u00e1rios e dos Mercados \u2014 ESMA, pela sigla em ingl\u00eas.<\/p>

Porqu\u00ea investir: vantagens e inconvenientes<\/h2>

J\u00e1 fal\u00e1mos no blog sobre as vantagens de investir em crowdfunding imobili\u00e1rio<\/a>. A primeira \u00e9 que permite aceder a oportunidades de investimento muito atrativas a partir de pequenas quantias de dinheiro, como 500 euros. Por isso mesmo, contribui para que muitos investidores possam diversificar a sua carteira incorporando um setor est\u00e1vel e resistente \u00e0 infla\u00e7\u00e3o, como o imobili\u00e1rio, sem se preocuparem com gest\u00f5es nem comprarem propriedades. Em alguns casos, pode oferecer rentabilidades superiores a outras alternativas, embora estas dependam do tipo de projeto e do contexto de mercado. No caso da Urbanitae, pode variar em fun\u00e7\u00e3o do projeto, do prazo e do risco.<\/strong><\/p>

Entre as principais desvantagens, importa destacar que \u00e9 um investimento il\u00edquido, ou seja, n\u00e3o podemos desfazer-nos dele at\u00e9 que o projeto termine. Outra poss\u00edvel desvantagem \u00e9 o prazo, que costuma rondar, em m\u00e9dia, os 24 meses. Tamb\u00e9m \u00e9 importante 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 poderia perder capital. Por isso, \u00e9 importante analisar cada projeto e n\u00e3o assumir que todos oferecem o mesmo n\u00edvel de rentabilidade ou risco.<\/p>

Para quem \u00e9 o crowdfunding imobili\u00e1rio?<\/h2>

Este tipo de investimento costuma enquadrar-se em investidores que procuram diversificar a carteira e aceder ao setor imobili\u00e1rio sem necessidade de comprar um ativo completo, e que est\u00e3o dispostos a assumir uma menor liquidez em troca de uma rentabilidade potencial.<\/p>

Conclus\u00e3o<\/h2>

Em resumo, o crowdfunding imobili\u00e1rio revolucionou a forma como as pessoas investem em bens imobili\u00e1rios, democratizando o acesso a oportunidades de investimento de qualidade. Embora tenha vantagens e desvantagens, o seu crescimento cont\u00ednuo mostra que \u00e9 uma tend\u00eancia que veio para ficar \u2014 e para crescer. Antes de investir, conv\u00e9m analisar cada oportunidade, compreender os riscos e avaliar se se enquadra numa estrat\u00e9gia de investimento diversificada.<\/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,"_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"categories":[853,1667],"tags":[1758,1983,1986,1014],"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-investimento-imobiliario","tag-prestito-collettivo-immobiliare-pt-pt","tag-urbanitae-pt"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"yoast_head":"\n8. 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