INDEMO

 When we think of P2P platforms, it is usually associated with consumer or business loans, but Indemo has introduced a more sophisticated proposal: investing in real estate debt backed by mortgages and discounted debt.

This model allows investors to easily participate in the Spanish real estate sector without buying properties, earning fixed interest and diversifying across multiple assets at the same time.

In this guide we will see what Indemo is, how its real estate section works, what its features are, advantages and disadvantages, and for what type of investor it may be interesting.

📌 What is Indemo?    

Indemo is a P2P investment platform regulated in the European Union, authorized by the Central Bank of Latvia and under MiFID II regulations. Its main proposal is to offer investments in mortgage loans and in real estate debt purchased at a discount, with access from as little as €10 and with investor protection up to €20,000.

Although it is a young platform, it has gained relevance in the sector due to its focus on the Spanish real estate market, the backing of real assets and the transparency of the information it provides to the user.

🏗 How does real estate investment in Indemo work?

Real estate investment in Indemo is based on two main modalities:

1. Mortgage loans
   • They are loans backed by real estate (usually second homes).
   • Interest is paid periodically and the principal at maturity.
   • Property appraisals are carried out by recognized companies such as Tinsa or Idealista.
2. Discounted Debt Investments
• Indemo acquires unpaid mortgage debt at a reduced price.
• Investors buy fractions of that debt and earn profits when the property is sold or the payment is recovered.
• This type of product groups several loans into a single investment to diversify risk.

🔍 Key features of real estate investment in Indemo

• Minimum investment: From €10.
• Expected return: Between 10% and 15% annually, depending on the type of product.
• Terms: Generally between 6 and 36 months.
• Backing: Mortgage loans or real estate properties.
• Automatic diversification: Each investment usually includes several assets.
• Investor protection: Up to €20,000 under European regulations.
• Transparency: Complete data on assets, interactive maps and external appraisals.

✅ Advantages of real estate investment in Indemo

• Low minimum amount to start investing.
• High returns compared to other crowdlending models.
• Real asset backing serving as collateral.
• Easy diversification thanks to loan grouping.
• Regulated platform under MiFID II with supervision from the Central Bank of Latvia.
• Advanced transparency with detailed information on each asset.
• Automation of investments with Auto Invest tool.

⚠️ Drawbacks and risks

• Young platform with less track record than competitors like Mintos or Urbanitae.
• Limited liquidity, as there is no active secondary market.
• Dependence on debt recovery in the case of discounted debt.
• Possible payment delays if the sale of a property takes longer than expected.
• Real estate market risk if housing prices fall.

📊 Ideal investor profile in Indemo

• Investors seeking high returns on products backed by real estate.
• Those who want exposure to the Spanish real estate market without buying properties.
• People who wish to start with small amounts to diversify.
• Investors who value transparency and solid regulation.

🏁 Conclusion

The real estate side of Indemo is an accessible and attractive way to invest in real estate-backed assets, combining the security of European regulation with the potential returns of discounted debt and mortgage loans.

Its low entry barrier, the possibility to diversify easily and the transparency of information are major advantages.

However, it is worth remembering that it is a young platform and that the success of many operations depends on the correct execution of asset sales, so it is recommended to diversify across several projects and not concentrate too much capital.

💡 Final tip: Alternate between mortgage loans and discounted debt to balance returns and risk within your Indemo portfolio.