{"id":58435,"date":"2020-04-17T10:17:47","date_gmt":"2020-04-17T09:17:47","guid":{"rendered":"https:\/\/inmocosta.com\/sector-immobiliari-en-temps-de-pandemia-refugi-segur\/"},"modified":"2020-04-17T10:23:02","modified_gmt":"2020-04-17T09:23:02","slug":"sector-immobiliari-en-temps-de-pandemia-refugi-segur","status":"publish","type":"post","link":"https:\/\/inmocosta.com\/en\/sector-immobiliari-en-temps-de-pandemia-refugi-segur\/","title":{"rendered":"El sector immobiliari com a valor refugi en temps de pand\u00e8mia"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Article escrit per Diego Bestard, CEO d’Urbanitae i vicepresident de l’Associaci\u00f3 Espanyola de fintech i Insurtech (AEFI)<\/p>\n\n\n\n

L’epid\u00e8mia de l’coronavirus traspassa el purament sanitari i el seu impacte sobre l’activitat econ\u00f2mica s’est\u00e0 estenent a tots els sectors. La caiguda dels mercats es generalitza i la inseguretat es propaga entre els inversors.<\/p>\n\n\n\n

Prova d’aix\u00f2 \u00e9s que el covid-19 est\u00e0 provocant les pitjors xifres de les \u00faltimes d\u00e8cades a les borses de tot el m\u00f3n. L’alarma col\u00b7lectiva s’expandeix vertiginosament i torna a sorgir, com ja va passar en anteriors crisi, la necessitat d’acudir als valors refugi o valors defensius, aquells que en moments d’incertesa tenen una alta probabilitat de mantenir els seus beneficis i fins i tot augmentar-los.<\/p>\n\n\n\n

Hist\u00f2ricament, el valor refugi per excel\u00b7l\u00e8ncia \u00e9s l’or, havent estat usat en anteriors crisis com una forma de preservar capital i fins i tot d’obtenir beneficis. Tamb\u00e9 ho s\u00f3n els valors d’empreses que pertanyen a el sector de l’alimentaci\u00f3 doncs, sigui quina sigui la situaci\u00f3 econ\u00f2mica, sempre s\u00f3n necess\u00e0ries. Les caigudes en aquests sectors solen ser moderades i fins i tot en molts escenaris econ\u00f2mics adversos dels beneficis han seguit augmentant.<\/p>\n\n\n\n

En aquest escenari d’agitaci\u00f3 i fins i tot p\u00e0nic, molts tenen la vista posada en el sector immobiliari i en el seu futur. Encara tenim molt recent l’\u00faltima crisi econ\u00f2mica en qu\u00e8 la bombolla credit\u00edcia i immobili\u00e0ria va arrossegar a milers de persones a situacions l\u00edmit i abocar a la desaparici\u00f3 de moltes empreses. Avui, el punt de partida \u00e9s molt diferent ja que l’origen no es troba en bombolles o sobreendeudamientos, sin\u00f3 en una epid\u00e8mia (ja pand\u00e8mia), els efectes poden ser devastadors per a l’economia si ens deixem portar per la por i el desconeixement.<\/p>\n\n\n\n

No \u00e9s d’estranyar que en circumst\u00e0ncies com aquestes, en qu\u00e8 la tend\u00e8ncia normal seria la de postergar qualsevol decisi\u00f3 de compra immobili\u00e0ria, molts experts vegin aquest mercat com una oportunitat d’inversi\u00f3 i en un valor refugi per als inversors a Espanya.<\/p>\n\n\n\n

De fet, molts professionals coincideixen que aquesta ser\u00e0 una etapa conjuntural i que l’activitat inversora tornar\u00e0 als volums habituals en el tercer trimestre d’aquest any. Algunes fonts ja parlen d’una recuperaci\u00f3 en el ‘real estate’ en forma de V, altres vaticinen un efecte rebot en la inversi\u00f3 internacional un cop superada la crisi. I hi ha un cert consens en qu\u00e8 \u00e9s previsible que s’inverteixi m\u00e9s en valors tangibles com l’immobiliari tenint en compte la gran volatilitat dels mercats i uns tipus d’inter\u00e8s en m\u00ednims hist\u00f2rics.<\/p>\n\n\n\n

En aquest context tenen cada vegada m\u00e9s rellev\u00e0ncia les plataformes de finan\u00e7ament participativa (PFPs) i, m\u00e9s en concret, a les anomenades plataformes de ‘crowdfunding’ immobiliari. Aquestes iniciatives permeten que, per primera vegada en la hist\u00f2ria, petits i mitjans estalviadors puguin invertir en grans projectes immobiliaris que fins fa poc estaven fora del seu abast per l’alt volum d’inversi\u00f3 requerit. Al seu torn, permeten que aquests inversors puguin diversificar el seu capital en diferents projectes, reduint d’aquesta manera el risc de la seva cartera d’inversi\u00f3.<\/p>\n\n\n\n

Aquestes plataformes que, com en el cas de Urbanitae, han de desenvolupar la seva activitat amb l’autoritzaci\u00f3 i supervisi\u00f3 de la CNMV, agrupen multitud de petits i mitjans inversors perqu\u00e8, entre tots, tinguin el suficient m\u00fascul financer per poder participar en projectes immobiliaris que normalment estan reservats per a un cercle d’inversors professionals o institucionals. Al seu torn, el petit inversor es beneficia de poder accedir a projectes que han estat analitzats i aprovats per un equip professional d’analistes i experts immobiliaris.<\/p>\n\n\n\n

Aquesta “democratitzaci\u00f3” de la inversi\u00f3 es veu impulsada tamb\u00e9 pel fet que les plataformes es recolzin en la tecnologia perqu\u00e8 tot el proc\u00e9s d’inversi\u00f3 sigui senzill i accessible. El sistema d’inversi\u00f3 sol ser 100% en l\u00ednia, sense paperassa, ni visites, ni tr\u00e0mits burocr\u00e0tics i tot el proc\u00e9s de compra i gesti\u00f3 de cada un dels projectes es delega en un promotor professional sota la supervisi\u00f3 de la PFP.<\/p>\n\n\n\n

El creixement de l’ ‘crowdfunding’ immobiliari \u00e9s imparable i les perspectives d’enlairament d’aquest nou model s\u00f3n molt optimistes. Es preveu que aquest mercat mogui en 2025 entre 90.000 milions i 100.000 milions de d\u00f2lars a nivell mundial.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

En el context actual de caigudes generalitzades dels mercats financers, el valor de la inversi\u00f3 immobili\u00e0ria com actiu descorrelacionado de les fluctuacions a curt i mig termini de l’mercat financer guanya rellev\u00e0ncia. En aquest sentit, les plataformes de ‘crowdfunding’ immobiliari es configuren com una de les millors opcions per accedir a aquest tipus d’inversions, amb quantitats petites, i gestionades de forma professional.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Article escrit per Diego Bestard, CEO d’Urbanitae i vicepresident de l’Associaci\u00f3 Espanyola de fintech i Insurtech (AEFI) L’epid\u00e8mia de l’coronavirus traspassa el purament sanitari i el seu impacte sobre l’activitat econ\u00f2mica s’est\u00e0 estenent a tots els sectors. La caiguda dels mercats es generalitza i la inseguretat es propaga entre els inversors. Prova d’aix\u00f2 \u00e9s que el covid-19 est\u00e0 provocant les pitjors xifres de les …<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,2783,421,300,315,264,309,299],"tags":[2793,2794,2804,2795,2805],"class_list":["post-58435","post","type-post","status-publish","format-standard","hentry","category-api","category-calendari-en","category-compra-vivendes-en","category-decoration","category-real-state-en","category-sales","category-surroundings","category-taxation","tag-covid-19-en","tag-pandemia-en","tag-rentabilidad-vivienda-en","tag-sector-immobiliari-en","tag-vivienda-rentable-en"],"yoast_head":"\nSector immobiliari en temps de pandemia.- Refugi segur.<\/title>\n<meta name=\"description\" content=\"Sector immobiliari en temps de pandemia.- Refugi segur.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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