{"id":11278,"date":"2024-03-27T18:01:47","date_gmt":"2024-03-27T17:01:47","guid":{"rendered":"https:\/\/grupodexter.com\/?p=11278"},"modified":"2024-04-29T18:42:47","modified_gmt":"2024-04-29T16:42:47","slug":"la-combinacion-de-financiacion-bancaria-y-alternativa-clave-en-el-sector-inmobiliario","status":"publish","type":"post","link":"https:\/\/grupodexter.com\/en\/la-combinacion-de-financiacion-bancaria-y-alternativa-clave-en-el-sector-inmobiliario\/","title":{"rendered":"The combination of bank and alternative financing is key in the real estate sector."},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t<\/i>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The combination of bank and alternative financing is key in the real estate sector.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

El panorama de la financiaci\u00f3n inmobiliaria est\u00e1 experimentando una notable diversificaci\u00f3n, alej\u00e1ndose de los modelos tradicionales hacia alternativas como las plataformas participativas y los fondos de deuda o \u2018equity\u2019. Es lo que constatan expertos del sector en toda Espa\u00f1a, que asimismo subrayan la estabilidad actual de este \u00e1mbito de la econom\u00eda y la gesti\u00f3n prudente en nuevas hipotecas y en la situaci\u00f3n financiera de las promotoras, algo que rubrica el diagn\u00f3stico del propio Banco de Espa\u00f1a. <\/p>

Pocas dudas caben de la resiliencia del sector residencial en 2023, con cerca de 590.000 transacciones registradas seg\u00fan el Instituto Nacional de Estad\u00edstica. Pero, aun as\u00ed, se llega a la conclusi\u00f3n en los tiempos que corren de que son necesarias soluciones innovadoras en la financiaci\u00f3n de la compra de suelo y en ayudas para los compradores, especialmente en comunidades como Madrid, donde existe un desaf\u00edo significativo debido al desequilibrio entre la demanda y la capacidad de producci\u00f3n de viviendas.<\/p>

DEXTER hace posible precisamente la financiaci\u00f3n para la compra de suelo, alcanzando hasta el 50% del precio de compra-venta. Suelo finalista con proyecto y licencia, preferentemente, listo para construir. Pero igualmente estudia la viabilidad de obras de urbanizaci\u00f3n. Es clave en este \u00faltimo modelo que el promotor, el propietario del suelo tenga clara la visibilidad de la amortizaci\u00f3n, a un m\u00e1ximo de 36 meses.<\/p>

Desde el Departamento de An\u00e1lisis de Riesgos, su director Jos\u00e9 Enrique Chasserot asegura que \u201clo que tenemos que garantizar es la capacidad de repago, como en toda operaci\u00f3n; por tanto, o bien hay un desarrollo comercial relativamente r\u00e1pido sobre el suelo o bien, en el caso de las parcelas que est\u00e1n urbaniz\u00e1ndose, hay una venta de algunas de ellas para amortizar el pr\u00e9stamo. \u00c9sta es siempre nuestra posici\u00f3n, trabajar inicialmente y luego ya los recursos propios del empresario o la hipoteca a largo plazo del banco tradicional har\u00e1n el resto\u201d, concluye Chasserot.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t\n\t\t\t\t\t\t\t
\n\t\t\t\t\t<\/i><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t<\/i>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The combination of bank and alternative financing is key in the real estate sector<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The real estate financing landscape is undergoing a notable diversification, moving away from traditional models towards alternatives such as participatory platforms and debt or equity funds. This is what experts in the sector all over Spain confirm, who also underline the current stability of this area of the economy and the prudent management of new mortgages and the financial situation of developers, something that is confirmed by the Bank of Spain’s own diagnosis.\u00a0<\/p>

There is little doubt about the resilience of the residential sector in 2023, with close to 590,000 transactions registered according to the National Statistics Institute. But even so, the conclusion is that innovative solutions are needed to finance the purchase of land and help buyers, especially in communities such as Madrid, where there is a significant challenge due to the imbalance between demand and housing production capacity.<\/p>

DEXTER makes possible precisely the financing for the purchase of land, reaching up to 50% of the purchase price. Finalist land with project and license, preferably ready to build. But it also studies the feasibility of urbanization works. The key in this last model is that the developer, the owner of the land, has clear visibility of the amortization, at a maximum of 36 months.<\/p>

From the Risk Analysis Department, its director Jos\u00e9 Enrique Chasserot assures that \u00abwhat we have to guarantee is the repayment capacity, as in any operation; therefore, either there is a relatively fast commercial development on the land or, in the case of the plots that are being urbanized, there is a sale of some of them to amortize the loan. This is always our position, to work initially and then the entrepreneur’s own resources or the long-term mortgage from the traditional bank will do the rest,\u00bb concludes Chasserot.<\/p>

<\/div>
<\/div>
<\/div>
<\/div>
<\/div>
<\/div>
<\/div>
<\/div>
<\/div>
<\/div>
<\/div>
<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

La combinaci\u00f3n de financiaci\u00f3n bancaria y alternativa, clave en el sector inmobiliario El panorama de la financiaci\u00f3n inmobiliaria est\u00e1 experimentando una notable diversificaci\u00f3n, alej\u00e1ndose de los modelos tradicionales hacia alternativas como las plataformas participativas y los fondos de deuda o \u2018equity\u2019. Es lo que constatan expertos del sector en toda […]<\/p>\n","protected":false},"author":1,"featured_media":11280,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-11278","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dexter-global-finance"],"_links":{"self":[{"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/posts\/11278","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/comments?post=11278"}],"version-history":[{"count":0,"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/posts\/11278\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/media\/11280"}],"wp:attachment":[{"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/media?parent=11278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/categories?post=11278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grupodexter.com\/en\/wp-json\/wp\/v2\/tags?post=11278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}