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Real estate crowdlending
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What is real estate crowdlending?
Real estate crowdlending is a collective financing model in which multiple individuals lend capital, through an authorised platform, to projects related to the development, refurbishment or acquisition of properties. In return, lenders receive agreed interest over a defined period.
In Spain this activity is regulated by Law 5/2015 on the promotion of business financing and, since 2026, by EU Regulation 2020/1503 on European Crowdfunding Service Providers (ECSP). Techvibesnb is a purely informational space: we explain concepts, terminology and characteristics of the sector, without offering financial services or investment advice.
Topics we cover
Organised data to better understand the real estate environment.

Up-to-date information to better understand the housing sector, its characteristics, types and key aspects of the residential market.

Digital information to better understand different types of properties. Residential blocks in urban and suburban areas across Spanish cities.

Property content about industrial land, logistics warehouses and productive spaces within the wider economy.

An informational space about real estate and housing. Offices, corporate headquarters and centres of economic activity.

Practical content about properties, neighbourhoods and characteristics of the environment. Residential information across different Spanish cities.

A simple way to get closer to the world of real estate through urban planning, public spaces and shared environments.
A clear glossary of terms such as IRR, LTV, default, term, mortgage security or subordination, explained without jargon.
Summary of the Spanish and European regulatory framework applicable to European Crowdfunding Service Providers (ECSP).
Differences between residential, commercial, logistics, hospitality and urban renewal projects.
Information about common risks: liquidity, default, construction delays, market fluctuations or regulatory changes.
Up-to-date information to better understand the housing sector.
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No. Techvibesnb is a purely informational project. It does not manage capital, broker transactions or provide regulated financial services. Its purpose is solely educational.
Property content presented in a clear and orderly manner: concepts, terminology, types of properties, urban features and basic notions about real estate crowdlending in Spain.
Yes. We review the content to reflect the regulatory framework in force in 2026, including EU Regulation 2020/1503 on crowdfunding.
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