Silvana Saldisuri
05/14/2021 6:01 AM
Clarín.com
Services
Updated 05/14/2021 6:01 AM
In the framework of a global economy in crisis as a consequence of the pandemic, the
Argentine saver
sees his money losing value every day.
In a country with permanent inflation, and with an excess limited to the purchase of
dollars
, the possibilities of safeguarding the treasured are limited, but not null.
Argentines have historically considered real estate as one of the
safest investments
to
earn money
and get US currency, occupying the space of guaranteed profitability.
However, today the high amounts necessary to access conventional real estate projects are a limitation.
Currently there is a new way of
investing in bricks
, used worldwide, it is entered with few pesos and profitability in dollars is obtained in the medium and long term.
It's called
crowdfunding
and it's a
collaborative investment
.
What is real estate crowdfunding?
It is a novel practice in which you invest in the real estate sector
without having to make a large investment
.
That is, interested persons may participate in specific real estate projects jointly with other investors.
In some platforms they do not put limits to start investing, so it makes it really accessible to the general public.
Photo: Reuters
"This
collaborative investment
, which is backed by assets from the real economy that are properties (land, houses, apartments, buildings), can be seen as an investment for large investors, or even as a time saving system for small savers. ", explained the architect and founder CEO of Sumar Inversión,
Víctor Zabala
, to
Clarín
.
How is it different from traditional brick investment?
The first difference is that it allows the investment of the small saver since in general there is no minimum amount.
The investment can be in pesos or dollars.
How and who can access?
A person or a company presents a project with the detail of what is the investment necessary to carry it out.
The project is presented in one of the
real estate crowdfunding
platforms
that operate in the country, and people can invest what they can / want to collectively finance the project.
"The
property of the asset
(a building, a house, any property)
is 'digitized'
and
divided proportionally to the contribution
made by each one. Therefore, the perceived profitability is also proportional to that division," said the CEO of SeSocio,
Guido Quaranta
,
"On the other hand, this form of collective financing is a way for Real Estate developers to get financing faster to carry out their project. Today
real estate crowdfunding
is very common
to build houses in countries, develop apartment complexes, acquire properties for rent, among other proposals, "he said.
In some platforms they do not put limits to start investing, so it makes it really accessible to the general public.
In the case of those that do, the minimum income is from US $ 100, or its equivalent in pesos.
What are the advantages of crowdfunding?
"The main advantage is that it
diversifies the investment
in different projects,
thus
minimizing
the
risks
for the investor", highlighted Zabala de Sumar Inversión.
For its part, Quaranta de Se Socio, stressed that "the most important thing this modality offers is to
democratize access to investments
that were previously reserved for large investors or companies."
For investments in residential building projects in the Federal Capital, a profit of up to 9% per year in dollars is calculated.
Photo: Clarín Archive
"Today in a context of depreciation of currencies in the world, accessing crowdfunding is a
quick and safe way to make savings profitable
, no matter how small," he said.
Meanwhile, he remarked that "the possibility of owning a part of a property with little capital is something that revolutionizes the way of handling money and personal savings, but also a new way to boost the economy."
What is the profit?
If you invest in homes in the
North zone
, the profitability can be between
10% and 12% per year in dollars
.
For
residential buildings in the Federal Capital, it
is calculated between
8% and 9% per year in dollars
, and they are planned in 36 months of total term.
A house in a gated community, within 24 months.
There are two types of returns:
Income Pool:
this option is for more conservative investors, with less aversion to risk.
Time is tied but it is projected from the day the person entered the investment.
If you enter today,
in a month you
can already be
collecting your proportional
.
In this sense, the CEO of Sumar Inversión, Víctor Zabala, explained that "it would be the equivalent of buying an apartment in the Federal Capital and putting it in a
traditional rental
."
"In our case, as we have products in very good locations, they yield in dollars much more than what a traditional rental in Capital is yielding today," he said.
If you invest in homes in the North zone, the profitability can be between 10% and 12% per year in dollars.
Photo: EFE
Variable Income:
It is when you wait until the good or property is sold to recover the profit.
There will be a
greater exposure to risk
depending on the project chosen and its progress.
To get an idea of the deadlines, Víctor Zabala said that "they currently have two projects open, one ends at the end of the year and the other is starting, which is 36 months away."
Finally, the CEO of SeSocio, Guido Quaranta, warned that "as
any investment carries risk
, it is always necessary
to understand
the project well, the economic proposal, the viability, the guarantees, the costs and the payment times. Before taking a crowdfunding investment decision or any other, it
is necessary to study the asset well
".
LN
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