Innovative people, who integrate digital into all aspects of their lives, defenders of the collaborative economy and who seek to choose for themselves where to invest their money. These "crowdbelievers" have also reached the real estate realm.
After the emergence and consolidation of p2p (from person to person or from person to company, without going through banks) lending platforms of companies focused on mobility (car sharing) or collaborative tourism, the defenders of this new mode of understanding the economy, finances and savings, also join a sector- that of brick, until recently closed for most individuals. And is that thanks to crowdfunding? Is it possible to match the "muscle" of large traditional investors?
According to the data of the first report on a collaborative economy in Spain, recently presented by the Spanish Association of the Digital Economy (Adigital) and Sharing Spain, a group that brings together collaborative economy companies, 55% of the Spanish population used services from this economy type at least once in the last year.
From Inveslar, The Urban Investors, a pioneer in Spain within the proptech (activity sector composed of startups that combine a technological component with the contribution of value to the real estate world) have coined the term "crowdbelievers" to define the new profile of urban rescuer. Real estate Carles Serradell, its founding partner, points out that these are people "who know that applying technology to investment platforms can reduce commissions-less commissions, higher returns-that believe that unity is strength and that they know the importance of a diversified portfolio ".
The Urban Investors already bring together a community of rescuers of more than 2,000 members (around 60% of whom have diversified their savings participating in at least two of the projects financed through real estate crowdfunding) and has managed to close 9 operations. His latest project is a clear example of how individuals, united, can reach the strength of the traditional big investors: up to 144 people participated in the purchase of a property near the Camp Nou and the Real Club de Polo de Barcelona, whose profitability estimated annual exceeds 10%.
The profitability is precisely one of the great keys of "proptech", and its boom in recent years. Carles Serradell affirms that his clients "do not seek in any case a pitch; To democratize the real estate sector is to understand that crowdfunding operations within this area are focused on long-term savings ".
Profile of the "crowdbeliever", the new urban rescuer
The data points to a new urban rescuer, who lives in large cities, as a couple (both members with income) and who already has a home of their own. Urban investors have an average of 40 years, one (or no) child, an annual income between 40 thousand and 75 thousand euros and a liquidity between 30 thousand and 100 thousand euros.
Carles Serradell affirms that the main feature in common is that they are people who like to choose where, and to whom, to entrust their money. "They seek above all the transparency that they do not find in traditional environments, and most expect something more than a financial return. They want to be part of a community of like-minded people, share and interact with other rescuers who are open to new trends. "
Tenth project on the way
After successfully closing nine operations (three houses in Girona and six floors in Barcelona), Inveslar, The Urban Investors, makes a new call to the figure "crowdbeliever", that is, a new urban rescuers, to finance the purchase of what will be its tenth property acquired through crowdfunding. A flat located in the Sagrada Familia area (Barcelona) of 349,000 euros. After just a few weeks "hanging" on its website, Inveslar has already managed to finance more than 50% of the purchase value, with the participation of 62 people.