{"id":54410,"date":"2025-01-02T08:45:00","date_gmt":"2025-01-02T07:45:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=54410"},"modified":"2025-01-01T21:55:49","modified_gmt":"2025-01-01T20:55:49","slug":"financiamento-alternativo-chave-para-o-setor-imobiliario-nos-proximos-tres-anos","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2025\/01\/02\/financiamento-alternativo-chave-para-o-setor-imobiliario-nos-proximos-tres-anos\/","title":{"rendered":"Financiamento alternativo: chave para o setor imobili\u00e1rio nos pr\u00f3ximos tr\u00eas anos"},"content":{"rendered":"\n

72 mil milh\u00f5es de euros.<\/strong> Este \u00e9 o volume de financiamento<\/strong> que o setor imobili\u00e1rio necessitar\u00e1 nos pr\u00f3ximos tr\u00eas anos, de acordo com o relat\u00f3rio “The Lending Property Telescope”<\/strong>, elaborado pela consultora EY<\/a>. Deste montante, 56 mil milh\u00f5es de euros ser\u00e3o direcionados para projetos \u201cgeradores de rendimento\u201d, enquanto os 16 mil milh\u00f5es restantes ser\u00e3o destinados \u00e0 promo\u00e7\u00e3o de habita\u00e7\u00f5es para venda a retalho.<\/p>\n\n\n\n

As dificuldades no acesso ao capital num contexto de taxas de juro elevadas t\u00eam sido uma constante ao longo de 2024. Este contexto, segundo a an\u00e1lise, beneficiou os fundos de d\u00edvida, que agora representam 21% do volume (2,3 mil milh\u00f5es de euros).<\/p>\n\n\n\n

No entanto, os bancos espanh\u00f3is mantiveram um papel relevante na concess\u00e3o de cr\u00e9dito. Mais de 6,8 mil milh\u00f5es de euros (excluindo hipotecas para particulares e promotores) conferem-lhes uma quota de mercado de 63% e uma exposi\u00e7\u00e3o total de 35 mil milh\u00f5es de euros em d\u00edvida. A atividade da banca internacional manteve-se ao mesmo n\u00edvel do ano anterior, uma estabiliza\u00e7\u00e3o que se deve, em grande parte, \u00e0 aus\u00eancia de opera\u00e7\u00f5es \u201ccore\u201d.<\/p>\n\n\n\n

Em que diferem os empr\u00e9stimos dos fundos de d\u00edvida daqueles concedidos pelos bancos?<\/strong><\/h2>\n\n\n\n

O relat\u00f3rio da EY indica que o prazo m\u00e9dio dos empr\u00e9stimos banc\u00e1rios ronda os seis anos, enquanto os concedidos por fundos de d\u00edvida t\u00eam uma dura\u00e7\u00e3o inferior a tr\u00eas anos. Isto deve-se \u00e0 sua natureza \u201cValue Added\u201d<\/strong>, que consiste em apoiar os investidores nas fases iniciais do plano de neg\u00f3cios at\u00e9 alcan\u00e7ar a estabiliza\u00e7\u00e3o, com um fator de risco associado \u00e0 natureza do projeto. O contexto regulamentar, muito mais exigente para os bancos, tamb\u00e9m influencia esta diferen\u00e7a.<\/p>\n\n\n\n

Este prazo m\u00e9dio mais curto tem levado, nos \u00faltimos anos, a uma maior dinamiza\u00e7\u00e3o do cr\u00e9dito, aumentando a concorr\u00eancia e melhorando as condi\u00e7\u00f5es para os investidores. O desenvolvimento de produtos cada vez mais inovadores, bem como a colabora\u00e7\u00e3o entre financiadores tradicionais e alternativos, \u00e9 outra consequ\u00eancia deste novo cen\u00e1rio de financiamento.<\/p>\n\n\n\n

Financiamento alternativo: o crescimento do crowdfunding imobili\u00e1rio<\/strong><\/h2>\n\n\n\n

Neste cen\u00e1rio, o financiamento alternativo continua a ganhar terreno, a ponto de os especialistas preverem que ser\u00e1 fundamental nos pr\u00f3ximos tr\u00eas anos. Durante este per\u00edodo, a d\u00edvida necess\u00e1ria para o desenvolvimento ou renova\u00e7\u00e3o de projetos atingir\u00e1 20,7 mil milh\u00f5es de euros (37% do total estimado de 56 mil milh\u00f5es de euros).<\/p>\n\n\n\n

No \u00e2mbito do financiamento alternativo, o crowdfunding<\/strong> est\u00e1 cada vez mais consolidado e continua a crescer.<\/p>\n\n\n\n

De acordo com uma an\u00e1lise<\/a> realizada pela Urbanitae, com base em informa\u00e7\u00f5es p\u00fablicas das principais plataformas de financiamento coletivo que operam em Espanha, o volume financiado registou um crescimento de 71% em termos anuais<\/strong> entre janeiro e agosto de 2024. Esta tend\u00eancia positiva d\u00e1 continuidade \u00e0 evolu\u00e7\u00e3o do ano anterior, que registou um aumento de 84% em rela\u00e7\u00e3o a 2022.<\/p>\n\n\n\n

Esta tend\u00eancia tamb\u00e9m se verifica na Europa. Embora os dados finais de 2024 ainda n\u00e3o estejam dispon\u00edveis, o Relat\u00f3rio de Crowdfunding Imobili\u00e1rio 2023<\/a><\/em><\/strong>, elaborado pelo Polit\u00e9cnico de Mil\u00e3o e pela Walliance<\/strong>, indica que este setor atingiu, em 2023, um financiamento acumulado de 52,7 mil milh\u00f5es de euros a n\u00edvel global. Na Europa, as principais plataformas angariaram mais de 12,4 mil milh\u00f5es de euros, destacando-se mercados em forte crescimento como Fran\u00e7a, Alemanha e It\u00e1lia.<\/p>\n","protected":false},"excerpt":{"rendered":"

As principais plataformas de financiamento alternativo em Espanha registaram um crescimento anual de 71% em 2024.<\/p>\n","protected":false},"author":1,"featured_media":54519,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1031,1029],"tags":[1985,1962],"class_list":["post-54410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crowdfunding-inmobiliario-pt-pt","category-investimento-imobiliario-pt-pt","tag-crowdfunding-immobiliare-pt-pt","tag-crowdfunding-inmobiliario"],"yoast_head":"\nFinanciamento alternativo: chave para o setor imobili\u00e1rio nos pr\u00f3ximos tr\u00eas anos - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"No \u00e2mbito do financiamento alternativo, o crowdfunding est\u00e1 cada vez mais consolidado e, ao mesmo tempo, continua a crescer. 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