Do you need assistance?

Select the investment stage your are in

I WANT TO JOIN HOUSERS

  • Why should I join Housers?
  • Do I commit to anything by joining Housers?
  • Who can register for Housers?
See more...

I WANT TO INVEST

  • I'm already registered, how do I access my private area?
  • Steps to follow once I have registered in Housers.
  • What is my Housers account?
See more...

I HAVE ALREADY INVESTED

  • Once I have invested, how can I know the progress of the project?
  • How can I check my investments?
  • What yields can I expect?
See more...

SALES PROCESS. MarketPlace.

  • What is the Marketplace?
  • How does the buying and selling of loan titles work?
  • How to sell your loan titles?
See more...

Definitions

  • Participative Loan
  • Buy-to-Let Opportunities
  • Buy-to-Sell Opportunities
See more...

Art

  • Who makes the selection of the art work to be financed?
  • Who do we purchase the art work from?
  • What does the price of a painting depend on?
See more...

Frequent questions

I WANT TO JOIN HOUSERS

Once you complete the registration process you will be able to access your private area to analyze all the documents of the different opportunities and you will also have access to our Quarterly Reports on the real estate market and more information related to Housers. 

Registration at Housers does not commit to anything and has no cost whatsoever.

1. Individuals, of legal age, with Spanish or foreign nationality.

2. Legal entities (companies).

Notes: There is a limitation for some countries from where LemonWay does not accept open accounts from where users can invest. Amongst others Afghanistan, Barbados, Belarus, Burma, Bosnia-Herzegovina, Bosnia, Burundi, Korea, Egipt, United Arab Emirates, Ethiopia, United States of America, Guatemala, Guinea, Guinea-Bissau, Iran, Iraq, Lebanon, Libia, Macau, Mali, Mongolia, Namibia, Panama, Central African Republic, Congo, Russia, Samoa, Somalia, Sudan, Sri Lanka, Syria, Ukraine, Venezuela or Yémen.

To register at Housers and to open your account you must:

Click on  "Register Now".

Select the "Individual" option, fill out a form with the "identification data" (your name and surname, phone, email, and password), accept the Housers and Lemonway Terms and Conditions and click " continue".

Then you go directly to the "My Data" tab of your user account where you must complete the following sections:

In "Identification data" you must fill in the fields that you have not filled in (country, sex and fiscal residence)

In "Documents" you must enclose:

- If you are resident in Spain you must enclose your DNI, in PDF format or similar, on both sides and in color. If you are a foreigner resident in Spain you will need, besides your identification document, the Foreigner Identity Number.

- If you are resident in any other country you must attach your ID or passport. Only in the case that you are a foreigner from outside the EU you must provide a second identity document.

• Once you have completed all the information you must activate your account by clicking on "accept and continue".


If you have problems uploading this documentation, you can send it to support@housers.com.


To register at Housers you must:

Click on "Sign up now".

Select the "Company" option, complete the form with the data of the legal representative of the company (name and surname, contact telephone number, email, password) as well as accept the "Terms and Conditions of Housers" and "Terms and conditions of Lemonway" and click "next ".

Then you go directly to the "My Data" window of your user account where you must complete the following sections:

o In "Identification data" you must fill in the fields that you have not filled in with the legal representative (Nationality, gender) and company details (company name, ID number and tax residency).

o In "Documents" the legal representative must enclose, in PDF or similar format, his/her ID or Passport in case of being a foreigner, attach the deed of incorporation of the company and, if necessary, the deed of actual ownership of the company, Document of activity of the company (any certificate of the Commercial Register, a tax certificate and any document of payment of taxes, of VAT - with a maximum seniority of 3 months) and other documents that you consider necessary are considered valid (such as ID of the partners that own more than 25% shares of the company).

Once you have completed the previous sections you must click on "Accept and continue".

If you have any issues uploading this documents, you can send it to support@housers.com.


The minimum amount to invest per opportunity is € 50.

We recommend that you complete all the information that we request.

If you do not remember your password, you have to click on "LOG IN" and click on recover password. Once you do, you will have to write your email with which you have registered and we will send you a new password to the provided email. 

Once inside your private area you can access the "change password" section and fill in the necessary form to change it.

The password must contain at least 8 characters and be composed of at least 1 capital letter, 1 lowercase letter, 1 number and 1 symbol.

Symbols allowed: @ , # , $ , ! , ¡ , ¿ , ? , * , ( , ) , % , ^ , & , + , =.


If you have any doubts, you can contact us at support@housers.com or at +44 (20) 38075972 and we will be more than happy to assist you. 

I WANT TO INVEST

Just go to our website (www.housers.com), click on "log in" and enter your email and password.

Once you have registered on the platform, you have filled in your identification data and attached your identity document:

You have to wait for 1 to 3 days for your account to be validated.

Once you have all the documents validated and your account has been created, you must make a funds transfer from your bank account in your name to your Housers account (account segregated in your name).

Once you have funds in your Housers account you can start making investments. 


Your Housers account is a segregated account in a payment entity (Lemonway) that you open when you register on the platform. This account segregated to your name enables you to operate in Housers and make safe investments 

This account implies for the investor that his/her funds are securely deposited in a segregated account of a specialized entity regulated by a Bank and authorized by the Bank of Spain. Thus the money of each of the investors is separated from other users and Housers money.  The collections and payments on the investors account are subject to an independent supervision by a regulated entity that is completely independent of Housers.


Your Housers account has no cost for you, nor for the transfers issued or received.

You can enter funds into your Housers account by bank transfer from a bank account in your name or by payment with a bank card as long as it is in your name.

We remind you that it is not possible to make cash deposit in the bank account provided in your private area.

No, however, Housers gives you the opportunity be able to invest directly into any opportunity and to make the payment of the investment through a bank card. That is, you can invest in any opportunity quickly, safely and without cost by selecting the bank card as payment and the amount you wish to invest will automatically be compromised to the selected opportunity.

In order to withdraw funds from your Housers account you only have to:

Access your private area at "bank details".

Click on the "withdraw funds" tab.

Complete the transfer request form (select bank account, concept and amount).

Click on "request transfer".


The Financial Department carries out an extensive analysis of all the risks associated with any of the opportunities that are published on the platform. After the analysis, those projects that truly constitute an investment opportunity are published along with a score. This way each investor can be informed from the first moment, about the rating of each of the opportunities published after a financial and real estate analysis. 

The risk scoring levels are: A, B, C, D, E, F, G.

The scoring levels are represented by letters that go from A (minor risk) up to G (major risk).

An opportunity with a score of A or B represents a minor risk but also a lower annual yield. 

Housers takes into account the following factors to score each opportunity:

50% of the risk score comes from the analysis done through the Real Estate point of view; location, project developer’s experience, sale price, construction, valuation price, big data price, etc. 

The remaining 50% of the risk score comes from the financial analysis of the opportunity: financial ratios, working capital, credit capacity models, and guarantees, etc. 


There are three types of opportunities:


Buy-to-sell opportunities. They are opportunities where you can find properties with or without rental where the project developer sets a target price of sale and when this is reached, proceeds to look for a buyer and sells the property. These projects do not generate monthly income, you will recover your investment once the property is sold.

Buy-to-let Opportunities. These are opportunities where the sale of the property is not considered in the short term. You get a monthly income from the proportional part of the rent that corresponds to you as well as the revaluation of the property as long as you keep your investment in your portfolio.

Development Loan Opportunities. Investments in project development loans where an interest is fixed at the start of the loan and have a window of 12-36 months. Interest is paid monthly and the principal is repaid with the last month's interest payment at the end of the term of the loan.


All opportunities include our Marketplace feature, where you can sell your titles if you wish to liquidate your investment. 

The different opportunities published on the platform have an estimated term of the loan as well as an estimated yield. But in all of them, it is you who decides when to enter and when to leave, buying and selling your loan fractions through the Marketplace. We remind you that the sale is not guaranteed. If you follow the investment through you will receive your investment back when the project is sold or the loan term ends. 


It's up to you whether you invest or not. Housers gives you the option to build a portfolio for you by placing a wide variety of assets at your disposal to invest. However, it is you who chooses the asset and the one who decides the amount that you wish to put into each investment. It's you who creates the investment strategy.

Within the "opportunities" tab you can find the different projects with all the documents and characteristics of the project.

Housers in its portfolio of opportunities publishes different types of projects giving investors different options. Our valuation and risk analysis department carries out a detailed study of each project, looking for a balance between reward and risk. This way we give the investor the possibility of making many small investments, different from each other, thus diversifying their risk.

Within "opportunities" you will be able to invest in all the opportunities that are in the investment phase or in those that, even if funded, have titles available through the marketplace.

Housers establishes a funding timeline for each opportunity; however, it depends on the investment activity whether or not the project will be funded in the allotted time. If the investment is not funded during the timeline, Housers has the possibility to extend it by 25% of the original designated time.

Choose which project you want to invest in.

Click on the mini-tab and within the project you must click on "invest".

Choose the amount you want to participate with (never exceed the amount available in your Housers account and take into account the limits if you are an unaccredited investor).

Accept the "Investment Contract" (this information is accessible for you, file and print by clicking on "see conditions document").

Once the conditions are accepted click on "Confirm investment". Automatically if your investment was successful you will see a screen confirming your investment in the project.


Once the money is committed into a project, it is blocked in your Housers account until the project is fully funded; otherwise, the money goes back into your account.

As a general rule it is necessary; however, if Housers believes that the project has enough potential for success and has been funded more than 90%, then the project might remain open for a few more days.

The project developer of each project constitutes a company (Ltd.) who is in charge of buying the property. The capital needed to carry out the project will be provided by the investors who lend the capital under the loan contract that determines the rights of the investors and stipulates that the yields of each opportunity will be entered into the Housers account of each investor as a variable interest.

I HAVE ALREADY INVESTED

Information on the progress of each project can be found in each project file, within the "timeline" where the updates on each opportunity are marked.

On your dashboard, under the "my investments" tab. and within "ongoing investments" the opportunities in which you have invested but have not completed 100% of the funding.

Each opportunity has a different yield. You have to check each opportunity you are investing in order to determine the estimated yield that you can get.

It is the estimated annual yield on investment. It is the estimated calculation that is made taking into account the future income of the asset and deducting all its possible operating costs. That is, the estimated annual percentage of investment income that the investor will receive in his/her Housers account. We use a very conservative analysis for the annual yield calculation.

It is the estimated total yield on the investment. It is calculated based on estimated income from the sale of the asset after deducting all operating expenses. It is the total yield of the opportunity after the determined term.


It is the estimated annual return of the investment. In these opportunities, the interest is previously agreed with the project developer after the evaluation of the whole project.

It is a feature for our buy-to-let opportunities of the platform where it is expressly indicated. Your investment begins to receive the estimated return begins to accrue from the time you invest and you receive between days 1 and 5 of the month following the closing of the financing.

That is, once you invest, you will start to receive every month the annual return estimated in the Business Plan of the buy-to-let opportunity in which you have invested, during the first six months or until the property is rented.

Once the property is rented you will receive the return for the corresponding rent that will be revisable quarterly.

By the time the first rental ends, InstanRent will no longer apply. In this case, the property will be re-marketed for the search of a new tenant.

For more information, you can consult the following link to our blog.

The benefits are received as interest and depend on the type of opportunities in which you have invested.

The benefits from all the opportunities are distributed between the 1st and 5th day of each month.

The interests payment in the buy-to-let opportunities that do not have InstantRent are distributed on the 5th day of each month, from the beginning of the lease of the project assets from the opportunity.

Keep in mind that the assets have to be leased for the opportunity to generate the corresponding interests. This means that during the stages of purchase, reform, and commercialization the property in these opportunities does not generate any kind of return. 


From the moment that you decide to invest you begin to accrue interests to your favor. In the first moment during the period that you invest up until the funding is closed, and in the second moment from when the funding is closed until the last day of the running month. The payment of the accrual of interests is done between the 1st and 5th day of the month. 

Except in the case where the financing date occurs after the 20th of the month. When interest accrued during that period, i.e. interest accrued from the time you invest until the financing is closed and from the close of the financing until the last day of the current month, will be added to the interests accrued the following month and will be charged both months between the 1st and 5th day of the following month. For example, if a project is closed on January 20, the first interest payment will be made between the 1st and 5th day of March. This payment will include interest accrued in January and accrued interest in February.

Remember that the type of interest in these opportunities varies and it is revised every 3 months.



In the development loan opportunities the interests that are accrued month to month are distributed between the 1st and 5th day of each month. Meaning that the first period of accrual of interests will be from the closing of the funding until the last day of the running month, with the payment distribution between the 1st and 5th day of the following month after the date of the funding closure. 

Except in the case that the date of the funding closure is after the 20th of the month. In which case the accrued interests in that period, in other words, the interests accrued from the moment of the funding closure until the last day in the running month, will be accumulated to the interest accrued from the following month and will both be distributed between the 1st and 5th day of the following month. For example, if a project closes on the 20th day of January, the first interest payment will be distributed between the 1st and 5th day of the month of March. This payment will consider the accrued interests from January as well as those from February. 

From this moment, the interests will accrue month to month until the completion of the timeframe and the payment is made between the 1st and 5th days of each month. 


The accrued interests from the sale of the opportunity assets will be distributed between the 1st and 5th day of the month following the date on which the sale is formalized.

The interests are received by the person in possession of the titles on the last day of the month, meaning the last day of accrual of interests. With payments made between the 1st and 5th day of each month. 

In the case of the first payment of interest, the part corresponding to the first interest accrual period that runs from the time you invest until the financing is closed, the payment is always made to the investor making the initial investment (at the financing stage of opportunity). The second interest accrual, which runs from the closing of the financing until the last day of the current month, the payment is made to the investor who holds the securities on the last day of the month.

Practical example: an investor invests in an opportunity on the 3rd of the month, closes the financing on the 15th of the current month and sells its securities on the 29th of the same month. The initial investor receives the payment corresponding to the interest accrued from the moment he invests until the financing is closed. The buyer of its securities receives the corresponding portion of interest accrued from the date of financing until the last day of the month. Both payments are made between the 1st and 5th of the following month.


Once your benefits are in your Housers account you can use them to invest in other projects, as long as you exceed the minimum amount of € 50 per project, or you can withdraw them to your provided bank account. 

At Housers we advise you consult your tax advisor, this information should be taken exclusively for informative purposes, but in general terms:

  1. If you are a natural person, you are taxed for the interest generated from the total capital invested under the taxable income tax base and according to the following scale (based on the total amount of interests received in the Fiscal Year):   

  • Up to 6.000€ at 19%
  • From 6.000€ to 50.000€ at 21% 
  • From 50.000€ and higher, at 23%   

2. If you are a legal entity, the interest received is included in the tax base of the Corporation Tax, and is taxed at the corresponding tax rate.

  • The payment of Interest will be subject to a withholding of 19% (payment on account of IRPF / IS).

In this case, the corresponding retention of the country of fiscal residence of the project developer will be applied. The investor may deduct in his declaration, the amount that according to the regulation of his country of fiscal residence corresponds to taxable income that appears as income obtained and taxed abroad.

This information should be taken exclusively for informative purposes, but in general terms:

Interest paid to non-resident investors in Spain will be taxed at the 19% rate in Spain. The investor may deduct in his declaration, the amount that according to the regulation of his country of fiscal residence corresponds to taxable income that appears as income obtained and taxed abroad.

 This information should be taken exclusively for informative purposes, but in general terms:

In this case, the corresponding retention of the country of fiscal residence of the project developer will be applied. The investor may deduct in his declaration, the amount that according to the regulation of his country of fiscal residence corresponds to taxable income that appears as income obtained and taxed abroad.

   Investor's Fiscal Residence
    Resident in Spain Resident in the EU Resident outside of the EU

Project Developer's Fiscal Residence
Fiscal Residence in Spain 19% 19% 19%
Fiscal Residence in Italy 26% 26% 26%
Fiscal Residence in Portugal 28% 28% 28%

Housers is responsible for practicing withholding of interests distributed to investors and liquidating the corresponding payments to the Tax Agency. In addition, Housers releases a fiscal report annually, of the interest paid and the retentions practiced. This tax information should be reflected in the draft of your personal income tax return. Nevertheless, Housers will annually file a tax certificate with the tax withholdings practiced as well as a report with all the data of your operations during the exercise so that you can prepare your personal income tax return.

Investments in Housers' property opportunities are not risk-free and have the possibility of a total loss in the worst case scenario. However, as there is an underlying asset behind the investment, the total loss of investment becomes almost impossible. 

At Housers, all the projects that are registered in our opportunities section have been meticulously analyzed. Each application is carefully examined by our financial and real estate experts. We publish all the project support information so you can analyze it and take the most appropriate investment option. For more information we recommend that you go to the "basic information" tab.

If you diversify your real estate portfolio and distribute your money in different projects you minimize the risk. You can choose, for example, between contributing  10,000€ in a single project or making small contributions of € 1,000 in 10 different projects. In the first case, if something happens to the project, you put at risk the total investment. In the second, all projects would have to fail to jeopardize the total investment. For more information we recommend that you go to the "basic information" tab.

In this type of investment you have no responsibility to third parties and the loss would always be limited to the capital contributed.

SALES PROCESS. MarketPlace.

Our Marketplace is an internal marketplace or means of communication between the project developer and the investors interested in buying and acquiring loans once the different opportunities have been financed.

This way, the investor who wishes to communicate their intention to sell to the developer and he publishes it in the system waiting for someone to be interested. At no time, the promoter secures the sale. The minimum amount is 50 €  and the maximum amount is your entire investment.

We remind you that this feature is available for buy-to-let, buy-to-sell and development loan opportunities.

To be able to buy titles of already financed projects you must access, within your profile, the opportunities "Marketplace" section or "Advanced Listing" and click on those opportunities that show that there are titles for sale.


To be able to sell titles you will have to access your profile, under "my investments" tab and click on sell within the opportunity you wish to sell.

To sell your investment you just have to enter your profile and access the "my investments" tab. You must access the opportunity you want to sell your loan titles. Once there you can make a single sales order for each opportunity by clicking "sell" or "edit order" if you already had an order to sell.

Next, you will have to fill in the field of the sale execution form with the number of titles you want to sell. Once you do this you will only have to confirm the contract and click on "publish sales order".

To be able to buy loan titles of already financed opportunities, you must access, within your profile area, the "Market Place" or "Advanced Listing" tab and select the opportunity in which you wish to participate and purchase loan titles.

The offered packages cannot be partially purchased. That is, if there are 1,000 € loan units offered, you can only buy all the units at that price.


The buy-to-let, buy-to-sell and development loan opportunities, are the opportunities that are eligible for the sale of loan titles. In these investments, you decide when to enter and when to go out buying and selling your loan titles through the Marketplace. We remind you that the sale is not guaranteed since there has to be someone who is willing to buy your part.

No. It is necessary that there is a buyer willing to buy your titles. The project developer of the opportunity gives you the possibility through the platform so you can announce your sales, and if another user is interested you can make the purchase. The project developer only performs the necessary procedures so that the other investor acquires your titles.

The natural or legal person who sells securities to another investor will have to declare the capital gains obtained from the loan in his declaration (IRPF or IS).

The projects funded through social participations do not undergo any modification. The divestment will be done once the property that is the object of the project is sold and the company is liquidated.

Definitions

Intermediary financing instrument between the capital (equity participation) and the long-term loan. Participative loans are loans (that is, the project developer is obliged to return the financing received) whose characteristic is that the interest received by the person who lends the money depends on the benefits obtained by the person who receives the loan.

In a buy-to-let opportunity, you lend money to a developer, to buy, renovate and rent a property and sell it after a few years. The loan is of a participative type, that is, that the project developer has the obligation to return the money you have lent him, within the term that you have agreed, with charge to the resources available to him; and also has the obligation to pay you an interest, which will depend on the income that he gets for renting the property. That is why it is said that the loan is "participative": you participate with the project developer in the outcome of the opportunity.

In a buy-to-sell opportunity, you lend money to a developer, to buy a property and either reform it, rehabilitate it, or to build it. The developer uses the money you lend to buy the property and reform it or rehabilitate it, or build it, and then put the property for sale. The loan is participatory; this means that the project developer has the obligation to return the money you have lent him, within the period you have agreed, with charge to the resources available to him; and also has the obligation to pay you an interest, which will depend on the success in the sale of the property.

They are investment opportunities in a medium term (12 - 36 months) where you lend money to a real estate developer in exchange for a fixed interest rate. In the development loan opportunities the borrowed money begins to generate income from the first month, depending on the interest rate previously agreed with the developer, after the evaluation of the entire project by the real estate, legal and financial departments of HOUSERS.

Represents the value of the shares at market price. This value differs from the initial unit value and is usually higher than the one that takes into account for its calculation, the difference between the actual purchase price and the appraised value, the latter normally being the highest. Finally, note that this value is dynamic and will change throughout the lifespan of the project, updated according to the variation in prices in the area.

The project developer makes this value available to investors, in order to guide the investor on the price at which he can put his loan fractions for sale through the Marketplace and which will be available until the amortization of the loan principal. 

For its calculation, the following variables have been taken into account:

•Appraised value

• Legal expenses of the purchase-sale.

• Live capital of bank financing

• Legal expenses of the mortgage.

• Legal corporate expenses.

• Fund for the exploitation of the property and the correct development of the Project.

• Furniture expenditure.

• Expenditure in reform.

• Housers Commission.


Indicates the average price of the selected participative loan fractions.

This is the annual estimated yield of your investment, during the first year, that the project developer will pay with the rent charged for the property. This estimate is reflected in a valuation report registered with the Bank of Spain. 

This is the additional income you could get if you sell fractions of your loan through the Marketplace. This estimate is reflected in a valuation report registered with the Bank of Spain.

The difference between the initial value of the loan and the estimated value of the loan in the market. When the value is positive you are buying cheap and when it is negative you are buying expensive. Also expressed as a fraction unit *.

* fraction: in loan-type opportunities, the title refers to the portion of the loan whose initial unit value is € 1.


It is the estimated annual return of the investment. The yield in this type of opportunities depends on two elements:

The first is that the developer will operate the property by putting it up for rent. With the incomes it charges, the project developer pays you an interest every month, proportional to the money that you have lent him. Remember that the loan is participatory, so if one of the months the developer does not collect the rent, you may not get interests.


The second is the increase in the value of the property during the term of the loan: when the loan expires, the developer will sell the property. If the value of the asset has increased, the developer will not only be able to reimburse your loan but will also share with you the profit derived from that increase in value (as long as you remain a lender on the date the property is sold).

The estimated annual net yield from the rent is reflected in a report registered by the Bank of Spain, may be higher or lower than the published one and may not be constant over time. It is reviewable every 3 months.


It is the variation of the price, during the last twelve months, of the square meter in the area where the property is located (this estimate is reflected in the report registered by the Bank of Spain).

It is the estimated amount of the principal returned plus the return obtained from the sale of the financed property.

It is the total net yield that can be estimated by the participative loan until its amortization by the developer. It is calculated from the estimated sale price for the financed property.

Estimated amount of returned capital plus annual fixed interest.

It is the fixed annual interest rate of the loan.

Our Marketplace is an internal marketplace or means of communication between the project developer and the investors interested in buying and acquiring loans once the different opportunities have been financed.

This way, the investor who wishes to communicate their intention to sell to the developer and he publishes it in the system waiting for someone to be interested. At no time, the promoter secures the sale. The minimum amount is 50 €  and the maximum amount is your entire investment.

We remind you that this feature is available for buy-to-let, buy-to-sell and development loan opportunities.




The titles/fraction of the loan is a right of credit. It is the right granted to the loan holder to be able to demand from the developer the return of the contributed capital and the payment of the accrued and overdue interest. The initial unit value of the title is € 1.

Art

We work with experts with extensive knowledge in the art world with more than 10 years of experience in selecting the best investment opportunities, thanks to their expertise they make a preliminary analysis of the work and its revaluation in the market.

In most cases, the paintings will come from private collections although it is also possible that they will be acquired in art galleries if a good opportunity arises.

The market price of a work depends on multiple factors, the most important are:

-If the painting is of an artist who is living or has already passed away.

- If it is an artist who is beginning his career or already established.

- The antiquity of the work or date of its creation.

- The originality of the work: subject, form and number of copies that were produced.

- Materials with which it has been created and its dimensions.

- Evaluation of the experts and appraisers of the sector on the artist, that is, the prestige, reputation and consideration they have of the artist.

- The existing demand in the market of the specific artist: depends on the reputation of the object and the artist.

(press, exhibitions, reviews and books give greater visibility).

- The authenticity of the piece: validation through the signature of the artist and the certificate of authenticity.

- State of conservation: it is very important that the work is in the best possible conditions to ensure its preservation over time (that does not present bumps, discolorations, missing pictorial layer, etc).

- Provenience: to what institutions, collections or people the piece has belonged.

-The seller (gallery, auction house or dealer). Like the work or the artist, the prices at which they can sell depend on their prestige and reliability.


Yes, for all works you can find the certificate of authenticity (identity documentation of the work) issued by the art galleries or by the corresponding foundations, in the case of deceased artists.

To guarantee that the work does not suffer any type of damage, a company specialized in the storage of this type of assets, will allocate a protected and acclimatized space, where the work will be deposited until its sale.

Of course, given that the safety of our investors is the most important, every work will have two insurances, one for transport and another for storage, both contracted with Ordax, a specialist company in the sector.

The works will have the maximum possible protection. Any damage that the work may suffer, in addition to the theft, will be covered by the different insurances. Damages and damage resulting from natural disasters or any act of war are out of coverage.

The work acquired by the investors will be available to any individual or company, national or foreign interested in its acquisition.

Our experts in the sector, thanks to their years of experience and the numerous contacts they have will be responsible for the sale.

The investor will receive, by the time the project has finished, the benefits and the invested money.

It concerns investments with a time frame of up to 60 months.

Yes, to provide more liquidity to your investment you can use the Marketplace and sell the investment securities through this liquidity window.

To know all the details about the art market, we recommend you read our Report [link to the report]

It allows you to include an ideal asset in your investment portfolio to diversify, with low volatility and, at the same time, provides exceptional security to any investment portfolio. In short, a very attractive investment to continue diversifying your investments.

The fundamental variables to have that our experts in the market contemplate to value any work are:

- Valuation of the artist in the market based on the number of works he performs,

- Exhibitions and awards received,

- Collections to which it belongs and

- State of conservation of the work.

The investment in art and its market are mainly characterized in its ability to face and overcome the cyclical crises that occur in the economy with its value falls much softer than other values. In fact, it often happens that, during these times, it can generate benefits.

This behavior implies that the appreciation tends to be more moderate during times of economic boom than other assets.

It’s a sector that has almost always presented a very controlled volatility, which is why it constitutes a high quality asset to diversify any investment portfolio.

As with any other type of investment asset, there is no guaranteed revaluation.

However, taking into account their fundamental characteristics, the depreciations that works of art can suffer are much more moderate compared to other types of products.