{"id":37783,"date":"2024-02-08T08:45:00","date_gmt":"2024-02-08T07:45:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=37783"},"modified":"2024-02-07T23:38:15","modified_gmt":"2024-02-07T22:38:15","slug":"crowdfunding-vs-crowdlending-imobiliario-quais-sao-as-diferencas","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/02\/08\/crowdfunding-vs-crowdlending-imobiliario-quais-sao-as-diferencas\/","title":{"rendered":"Crowdfunding vs. crowdlending imobili\u00e1rio: quais s\u00e3o as diferen\u00e7as?"},"content":{"rendered":"\n

Em ambos os casos, o objetivo \u00e9 reunir muitos investidores para fornecer financiamento a um promotor imobili\u00e1rio, permitindo que ele desenvolva um projeto. Ambas as modalidades oferecem ao pequeno investidor a oportunidade de obter retornos no mercado imobili\u00e1rio, mas diferem em sua estrutura e benef\u00edcios<\/strong>. Neste artigo, ser\u00e3o destacadas as diferen\u00e7as fundamentais entre crowdfunding imobili\u00e1rio e crowdlending imobili\u00e1rio.<\/p>\n\n\n\n

Embora o crowdlending imobili\u00e1rio<\/a> seja uma modalidade do crowdfunding imobili\u00e1rio, aqui os separaremos. Ent\u00e3o, como funciona o crowdfunding?<\/p>\n\n\n\n

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

O crowdfunding imobili\u00e1rio \u00e9 uma forma de investimento participativo e, ao mesmo tempo, uma forma de financiamento. A ideia b\u00e1sica \u00e9 simples: muitas pessoas se juntam para reunir, todos juntos, o capital necess\u00e1rio para um projeto imobili\u00e1rio. O promotor recebe esse financiamento, enquanto os participantes se tornam tamb\u00e9m investidores imobili\u00e1rios<\/strong>. Sendo muitos, cada um pode contribuir com pouco dinheiro – na Urbanitae<\/a>, o investimento m\u00ednimo \u00e9 de 500 euros.<\/p>\n\n\n\n

Nas plataformas de crowdfunding imobili\u00e1rio, \u00e9 comum reservar o termo crowdfunding para os projetos de equity. Ou seja, para aqueles projetos em que os investidores entram no capital do projeto que est\u00e3o financiando.<\/p>\n\n\n\n

Exemplo de crowdfunding imobili\u00e1rio<\/h3>\n\n\n\n

Vamos ver com um exemplo. Imagine que um promotor queira construir um complexo residencial em uma \u00e1rea atraente onde j\u00e1 existe interesse comercial. Para as obras, o promotor solicitar\u00e1 financiamento aos bancos. Mas antes ele precisa concluir a compra do terreno e precisa de capital. Como os bancos geralmente n\u00e3o est\u00e3o envolvidos nessa fase do projeto, o promotor recorre a uma plataforma de crowdfunding imobili\u00e1rio<\/a>.<\/p>\n\n\n\n

Nesses projetos, investidores e promotor se tornam s\u00f3cios e acionistas da mesma sociedade (uma SPV<\/a> criada para esse fim). Como esses s\u00f3cios, eles assumem o mesmo risco e compartilham os lucros gerados uma vez conclu\u00eddo o projeto. Nos projetos de crowdfunding de equity<\/strong>, os retornos alvo s\u00e3o t\u00edpicos de investimentos imobili\u00e1rios, ou seja, entre 15% e 20% ao ano.<\/p>\n\n\n\n

O que \u00e9 crowdlending imobili\u00e1rio<\/h2>\n\n\n\n

No caso do crowdlending, as necessidades do promotor s\u00e3o um pouco diferentes. O promotor est\u00e1 procurando financiamento na forma de d\u00edvida, mas o banco n\u00e3o concedeu ou pode levar muito tempo para faz\u00ea-lo. Por qu\u00ea? Em empreendimentos de menor porte, o banco avalia cuidadosamente a opera\u00e7\u00e3o antes de conceder financiamento, pois pode n\u00e3o ser vantajoso para eles. Especialmente quando, ao contr\u00e1rio do que acontecia antes de 2019, o banco n\u00e3o adquire automaticamente as hipotecas dos compradores das resid\u00eancias do empreendimento.<\/p>\n\n\n\n

Como funciona o crowdlending imobili\u00e1rio?<\/h3>\n\n\n\n

Nesses projetos de d\u00edvida, os investidores se tornam credores do promotor: suas contribui\u00e7\u00f5es tamb\u00e9m s\u00e3o reunidas em uma SPV, que concede o empr\u00e9stimo, geralmente a uma taxa fixa. Ap\u00f3s o prazo estabelecido, o promotor devolve o capital aos investidores, mais os juros acumulados.<\/p>\n\n\n\n

Diferen\u00e7as entre crowdlending imobili\u00e1rio e crowdfunding imobili\u00e1rio<\/h2>\n\n\n\n

J\u00e1 vimos que tanto o crowdfunding quanto o crowdlending s\u00e3o formas de financiamento alternativo, neste caso para promotores imobili\u00e1rios com necessidades diferentes. Mas quais s\u00e3o as implica\u00e7\u00f5es para o investidor?<\/p>\n\n\n\n

Retorno<\/h3>\n\n\n\n

Ao entrar em uma fase mais precoce do projeto, os investidores no crowdfunding de equity assumem mais riscos do que no crowdlending. Portanto, os retornos s\u00e3o maiores, especificamente entre 50% e 100% a mais<\/strong>: este \u00e9 um dos benef\u00edcios mais claros do crowdfunding.<\/p>\n\n\n\n

Risco<\/h3>\n\n\n\n

Para obter retorno em um projeto de crowdfunding imobili\u00e1rio, \u00e9 necess\u00e1rio aguardar a conclus\u00e3o do mesmo: o empreendimento deve ser totalmente constru\u00eddo e vendido. Uma vez entregues as novas resid\u00eancias aos propriet\u00e1rios, \u00e9 hora de dissolver a sociedade criada especialmente para o projeto e distribuir os lucros entre os acionistas, sempre proporcionalmente \u00e0 sua contribui\u00e7\u00e3o<\/strong>.<\/p>\n\n\n\n

Existem v\u00e1rios riscos. Pode acontecer que os pre\u00e7os de venda estimados sejam muito altos e precisem ser reduzidos para vender as resid\u00eancias: um pre\u00e7o de venda mais baixo reduzir\u00e1 o retorno final. Um atraso nas vendas pode resultar em um atraso na concess\u00e3o do empr\u00e9stimo do promotor e, portanto, no prazo do projeto. Tamb\u00e9m pode acontecer que os custos de constru\u00e7\u00e3o aumentem e encare\u00e7am a obra, afetando o retorno.<\/p>\n\n\n\n

No entanto, nos projetos de d\u00edvida<\/a>, o risco \u00e9 menor porque o alcance do retorno n\u00e3o depende do sucesso do projeto<\/strong>: s\u00e3o as primeiras vendas que pagam o empr\u00e9stimo. No caso do equity, \u00e9 o oposto, as \u00faltimas vendas s\u00e3o as que geram o lucro.<\/p>\n\n\n\n

Garantias<\/h3>\n\n\n\n

Entre as desvantagens do crowdfunding imobili\u00e1rio est\u00e1 a falta de garantias espec\u00edficas. Nos projetos de crowdlending, o contrato de empr\u00e9stimo estabelece garantias para assegurar a devolu\u00e7\u00e3o do capital. Geralmente, o valor do empr\u00e9stimo (Loan-to-Value<\/a> ou LTV) nunca ultrapassa 65-70% do valor do ativo. \u00c9 comum ter uma hipoteca de primeiro grau sobre o ativo: em caso de inadimpl\u00eancia, os investidores ficam com o im\u00f3vel. E como o LTV \u00e9 baixo, sua venda geraria capital suficiente para devolver o principal e os juros.<\/p>\n\n\n\n

Tamb\u00e9m \u00e9 comum penhorar as a\u00e7\u00f5es da sociedade, para que, em caso de inadimpl\u00eancia, os investidores se tornem igualmente propriet\u00e1rios das a\u00e7\u00f5es<\/strong>.<\/p>\n\n\n\n

Prazo<\/h3>\n\n\n\n

Uma das vantagens do crowdlending imobili\u00e1rio \u00e9 que o prazo do projeto \u00e9 menor. Ou seja, \u00e9 necess\u00e1rio esperar menos para recuperar o investimento. Estamos falando de prazos entre 12 e 24 meses. Nos projetos de crowdfunding de equity,<\/p>\n\n\n\n

os prazos s\u00e3o mais longos – e sujeitos a mais varia\u00e7\u00f5es -: geralmente variam entre 18 e 36 meses.<\/p>\n\n\n\n

Agora que voc\u00ea conhece as principais diferen\u00e7as entre crowdlending e crowdfunding imobili\u00e1rio<\/a>, pode decidir se o seu perfil de investidor se ajusta mais a uma ou outra modalidade. Normalmente, as plataformas de crowdfunding se especializam em uma delas. Embora mais focada no equity, a Urbanitae permite que voc\u00ea invista em ambos os tipos de projetos<\/strong>, com bons resultados: retorno m\u00e9dio de 16% e 0% de projetos com perdas.<\/p>\n","protected":false},"excerpt":{"rendered":"

Prazos, riscos, garantias e retornos s\u00e3o algumas das principais diferen\u00e7as.<\/p>\n","protected":false},"author":1,"featured_media":37754,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1031],"tags":[1758,1003,1295],"class_list":["post-37783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crowdfunding-inmobiliario-pt-pt","tag-crowdfunding-pt-pt","tag-crowdlending-pt-pt","tag-crowdlending-inmobiliario"],"yoast_head":"\nCrowdfunding vs. crowdlending imobili\u00e1rio: quais s\u00e3o as diferen\u00e7as? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Quais s\u00e3o as diferen\u00e7as entre crowdfunding imobili\u00e1rio e crowdlending? 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