This article is only valid for investors with tax residence in Spain. When should we declare investments in crowdfunding and crowdlending?  Both the interest paid by a developer to an investor in a crowdlending project and the returns generated by the investment in an equity crowdfunding project, as well as the promotions paid by Housers to its investors, are taxed as income from movable capital, as said in Article 25 of the Personal Income Tax Law (IRPF). In Spain, the taxation of crowdfunding and crowdlending is declared jointly with other income from movable capital such as interest fr ..read more

In February 2022, Housers has once again set a record in the history of Spanish crowdfunding by exceeding 65 million euros returned by developers between capital repayments and interest payments. Developers have already returned 127 projects with an average IRR of 8.21%. In total, 96 projects have been returned in Spain, 22 in Italy and 8 in Portugal.  By 2022, the developers are expected to return a further 17.7 million euros to investors through the repayment of 67 projects. Best regards. The Housers team. The post RECORD: 65 million euros returned appeared first on Blog Housers Interna ..read more

We start this new year 2022 looking at a promising future thanks to the projects with the first-rank mortgage guarantee that Housers makes available to its investors. 2021 has been the year of consolidation of this new type of project, but also the year where we have achieved other important milestones that we will summarise below.  We have financed twenty-four (24) projects, eleven (11) of the projects with first-rank mortgage guarantees. Since September, all the projects we have published have secured by mortgages. The developers have returned more than thirteen (13) million euros to ..read more

Housers reaches in October the record of returns of crowdfunding projects in Spain: in total, the promoters of the platform have returned 3 million euros to investors, a figure never reached by any platform in Spain. The number of projects returned in the same month is also a record: 8 projects. Gran Canaria (the first project financed in Spain to be returned 4 months in advance), Convento Jerusalén, Rubí, Oasi Rimini, Génova Porto, Milán Metropolitano, Future Living, and Madeira Villas II have been returned. The average return that these projects have given to their investors has been 14.5 ..read more

Housers started its activity in 2015 offering investors equity-type projects framed within what is known as equity crowdfunding. We are talking about projects in which the initial developer of the opportunity was Housers, and the opportunities consisted of the purchase of properties for refurbishment, rental, and subsequent sale. Investors in these opportunities entered as partners in a company created specifically for each project (a vehicle) and did so employing a capital increase that was notarized. They, therefore, became co-developers and full partners in the company, with all the rights ..read more

Within the real estate sector, it is common for loans to the developer to be secured by the delivery of a mortgage guarantee. This guarantee is taken in the presence of a notary and registered in the land register. Advantages: Firstly, during the project, the owner of the property cannot transfer or re-mortgage it. If it is re-mortgaged, the next mortgage will be of the second or third degree, with priority always being given to those of a lower degree. Second, if the developer is unable to repay the loan at maturity, it is always possible to foreclose on the collateral, sell the property prov ..read more

The LTV, an acronym for Loan To Value Ratio, is a financial term used to express the ratio of a loan to the value of an asset. It is a parameter expressed as a percentage that measures the ratio between the amount of the loan granted and the value of the property provided by the borrower as security for repayment of the loan. It ranges from 0 to 100% (technically it could even be higher than 100), and the higher it is, the riskier the operation is. How is the LTV calculated? Let us suppose that a developer needs 100,000 euros to finance his project: renovation of a building in the centre of Ma ..read more

At Housers we continue to innovate, and we are pioneers once again! After the launch of the app, the projects with a first rank guarantee, the independent external Scoring, now you can invest in our projects with Bitcoin. Housers becomes again the reference in real estate crowdfunding in Europe. This new functionality is possible thanks to the agreement with Criptan, Spanish cryptocurrency exchange, which will manage the exchange of BTC to EUR in a secure and transparent way for the user. How to invest with Bitcoin? The process to invest with Bitcoin is simple! 1. Select the payment method To ..read more

From 29 March 2021 (included) the investments you make in projects published on the platform will no longer have any commission in favor of Housers for interest or profit-sharing. With this change we want our investors to get a higher return on the projects we publish. This commission, which was 10%, will be maintained in projects before the date as they were published and funded. Also, from today we create the Housers Premium account. For your Housers account to be Premium you only must have made at least one investment in a project published on the platform in the last 12 months. If you have ..read more

In May 2019 Housers pioneered the outsourcing of project risk analysis for the sake of greater neutrality and transparency. At that time the company chosen was Silva & Asociados, specialized in risk analysis. An exclusive methodology was created for the analysis of projects published on a participatory financing platform. Today we can say, after 87 projects published on our platform with their corresponding risk analysis, that this step has been a great innovation within the crowdlending sector: no platform offers this at present and it shows Housers’ commitment to its investors. Today we ..read more