Immobilien-Crowdfunding aus Spanien — Equity- und Debt-Deals ab 500 €.
Urbanitae ist eine spanische Immobilien-Crowdfunding-Plattform unter Aufsicht der CNMV. Anleger finanzieren geprüfte Wohn- und Gewerbe-Entwicklungsprojekte in Spanien und ausgewählten europäischen Märkten, mit Due-Diligence pro Deal und Ziel-IRRs typischerweise im Bereich 12–17 % über 18–36 Monate.
Urbanitae is a real estate crowdfunding platform headquartered in Spain. Retail and accredited investors fund equity, debt opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.
Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at €500 and typical deal terms run 12–36 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.
Operations are supervised by CNMV (Spain). Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.
Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.
The platform advertises target gross yields in the 12–17% IRR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Spain macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Suited to risk-tolerant investors with a 5–10 year horizon who can afford the possibility of total capital loss on individual deals. Diversification across at least 15–20 positions is essential; minimum ticket from €500. Not appropriate for emergency-fund capital or income-replacement strategies.
Capital at risk. Investments on Urbanitae are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@urbanitae.com — confirm on the platform’s contact page before sending sensitive information.Urbanitae operates under supervision of CNMV (Spain). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €500. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 16% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Urbanitae’s own balance sheet, as required by the rules of CNMV (Spain). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12–36 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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Porque no pasaron ni dos minutos desde que envié el correo y ya me estaban llamando por teléfono para resolver el reintegro por un error de inversión mio
Buena información, trato muy agradable por el personal , que atiende telefónicamente.
La respuesta fue rápida y pude solucionar el problema
Es de mucha ayuda y muy valorado que en un momento de duda tengas ayuda personalizada.
Rápido y resolutivo! Muchas gracias!
Fácil uso , y explicaciones claras. Habrá que ver la rentabilidad y los tiempos.
Urbanitae es como un restaurante de lujo donde el servicio es excelente pero al relación calidad precio d e la comida no compensa. El dpto de comunicación de urbanitae me parece excepcional en las formas. Comunican mucho y muy bien el que y el por que de los retrasos en al devolución, que en el fondo es el problema principal que está teniendo . Tema distinto es cuanto hay de verdad y cuanto de adorno en las comunicaciones. Desconozco si inflaron las expectativas iniciales voluntariamente o la situación es coyuntural y les ha pillado a pie cambiado, pero en cualquier caso la realidad es la que es y la mayoría de proyectos acumulan retrasos. En mi caso he invertido en 15 proyectos, y a excepción de uno en todos ha habido o se espera retraso de media dos años respecto a lo esperado. Al final de TIR esperada de 14% baja al 7-8%. Con esos porcentajes de riesgo/beneficio creo no compensa invertir en urbanitae y hay otras opcione igual o más rentables con menor o igual riesgo respectivamente. Generalmente los retrasos son por inicio tardío de obras (que se le va a hacer) o porque la venta de las últimas 2-3 viviendas se retrasa. En este último caso el promotory dilata y dilata y dilata el proceso hasta la venta (lease 2 años o venta con rebaja del 10%) o ya con los inversores desesperados que absorbe las viviendas. Imagino que si el promotor fuera más ágil absorbiendo las últimas viviendas o rebajandolas el proceso se acortaría. Pero parece ser que firmamos ser partners in crime hasta la venta total. En conclusión, que las formas de urbanitae son excelentes pero el fondo es el que es, yo no aconsejo invertir con ellos
Llevo bastante años invirtiendo en esta plataforma pero noto mucha dejadez pues lo que era resolver proyectos con antelación y adecuada rentabilidad se ha convertido en todo lo contrario , amén de la escasa y retraso de información. No invertiré más y espero que algún año se resuelvan los que tengo pendientes
Por parte de Urbanitae, he encontrado cortesía, responsabilidad en la claridad de los proyectos y según cumplen los plazos de estos, los reembolsos del capital invertido más los intereses generados, según contrato con el promotor.De momento no tengo ninguna queja. Un saludo.
Inspira confianza. Personalmente creo que es una idea maravillosa para invertir. Enhorabuena
Servicio espectacular. Rentabilidad asegurada.
Buscaba calidad y confianza, aquí la encontré.