The new public guarantee against non-payment launches full of limitations: at Inmopolt we explain why it is not a real solution for property owners.

The Government has announced a new royal decree intended to offer property owners coverage against possible non-payment in rental contracts aimed at young people and vulnerable individuals. On paper, it may seem like good news. But when analyzed in detail, its limitations mean that this measure falls far short of providing the protection that a property owner truly needs.

At Inmopolt, with more than 20 years of experience managing rentals and protecting our clients’ assets, we know how to distinguish between effective solutions and measures that only create expectations without delivering real results..

A public guarantee with such restrictive requirements that it will barely reach anyone.

For a property owner to be eligible for the new guarantee, they must meet requirements as strict as the following:

• Rent exclusively to people under 35 or to individuals considered vulnerable by each autonomous community.
• Set a rent equal to or below the state reference index, a figure well below the real market value.
• Have deposited the security deposit and all its updates.
• Sign a specific document with the tenant using an official template that has yet to be developed.

In addition, the coverage will only apply to contracts in force as of January 30, 2025, leaving out the vast majority of new leases.

What is intended to be a security system for landlords ultimately becomes a mechanism that is almost impossible to access.

Limited coverage and an operating framework that is still uncertain.

Although it is announced that the guarantee will cover non-payments, damages, and unpaid utilities, the following aspects have yet to be specified:

• The total budget of the program
• The actual resolution timeframes
• The operational procedure
• The speed of compensation

The exact criteria that the autonomous communities will introduce are also still unknown, which adds even more uncertainty for property owners, who need predictability and clarity, not more bureaucracy.

At Inmopolt, we are clear about one thing: a property owner’s peace of mind cannot depend on uncertain aid.

For more than 20 years, we have seen how property owners end up unprotected when they rely on public assistance that takes months to become active or that, in many cases, is never actually implemented.

That is why we state clearly what many think but few openly say:
these guarantees do not solve the real problem faced by property owners.

When a non-payment occurs, the damage is already done.
Property owners need security from day one, not after months of paperwork.”

In the face of uncertainty, we offer certainty.

Frente a las dudas, nosotros ofrecemos certezas.

✔ou get paid ALWAYS before the 5th of every month.
✔ No fine print, no delays, no excuses.
✔ From the day the contract is signed until the keys are returned.
✔ It doesn’t matter what the tenant does. You still get paid.
✔ For just €50 per month.

It’s that simple:
your peace of mind is worth far more than €50.

And as so often happens, people only truly realize its value when the first incident arises, when a payment is missed or a tenant is late. That is when many regret it and say:“I wish I had taken it out sooner.”

Inmopolt: experience, protection, and real commitment an increasingly complex rental market, full otemporary measures, changing regulations, and conditional aid, at Inmopolt we continue to stand for real, proven security.

No promises.
No endless paperwork.
No aid that may or may not arrive.

Real security, every month, no matter what happens.

The post How can I apply for the government insurance for unpaid rents?” appeared first on Inmopolt | Rentabilizando activos.

“The key to success in the real estate sector is in comprehensive and professional management” Inmopolt certifies its processes with ISO 9001 in guaranteed income management

The expert analyzes the transformations of the real estate market and the relevance of having comprehensive services of trust.

Luis Martín Guirado has more than 30 years of experience in the financial and real estate sector. Highlights his 7-year tenure as Chairman at BNP Paribas Real State, executive positions at Credit Suisse, Managing Director at Roan Consulting Real Estate, Vice President of Citibank and COO at Genesis (MetLife – Banco Santander). In 2014 and 2015 he held the position of Director of Transactions and Market Intelligence at Sareb. In the RKS-AM group he has been Director of Socimi’s Ktesios and QPQ, as well as general manager of Servicer, specialists in residential rental. He was also Corporate Director of Business Development at Gesvalt until 2022.

Also, he was president of RICS Spain (2009-2013), is a member of the Council of Residential Specialists and, in addition, holds the position of Advisor of the Real Estate Committee of the College of Road Engineers of Madrid.

artín is a Canal and Port Road Engineer from the Polytechnic University of Madrid, with an MBA from IE Business School and an AMP from INSEAD. He also holds a diploma in Marketing of Financial Services from ESADE and is a member of RICS (Fellow RICS). Currently he is Of Counsel in the area of Valuation Services at Andersen and advises on Corporate Development for the Inmopolt Group.

What lessons has the real estate industry learned after the pandemic?

I think there are three important lessons. The first is that we had undervalued the design of residential assets. We fell into the trend of building apartments with one or two bedrooms, without a terrace, with strict square meters, and we forgot that our homes are spaces where we must combine personal life, freedom and work. After the pandemic, in my view, there has been a significant change in customer preferences. Today terraces, common areas and open spaces are more valued.

The second lesson, at a global level, has been the rapid and profound adaptation to the digital world, up to «digital nomadism». We all learned to telework and saw that it was not necessary to be near the workplace. This has driven certain locations, such as Malaga, the Balearic Islands, Murcia and Alicante, where many professionals have decided that they can combine their working lives, both physical and digital, without being tied to a fixed location.

The third lesson relates to owners of rental homes during the pandemic, who faced tenants who stopped paying. Many of these owners realized they needed a trusted end-to-end service that would guarantee their incomes, even in extreme situations like a pandemic. I know of cases of investors who tried to manage their properties themselves and ended up overwhelmed. This highlights the importance of professional services capable of solving present and future problems.

In addition, the pandemic has taught us how volatile the world is. Everything can change in a moment, and that’s why it is crucial to have professional managers who support us and get us out of problems when they arise.

I understand that Inmopolt has been one of those managers who, during the pandemic, was able to take the situation forward. Why was the 360º service key?

Inmopolt was a clear example of success thanks to its proactive management. We offered solutions to tenants through telephone calls, which allowed us to maintain a near-zero default level. In some cases, we split the rents into two or three payments, which was well received by the owners who trusted Inmopolt. The key was proactive service and proximity to tenants to avoid blockages.

Our work is synonymous with excellence in management. There is an expression we use internally: «worry-free», which means «no worries». It summarizes what the owner expects of us: that we take care of everything, from renewing contracts to solving problems, so he does not have to worry.

Inmopolt has recently obtained the ISO 9001:2015 certification in guaranteed income management. How does this service work?

Yes, exceptional work has been done throughout the life of Inmopolt, but in concrete terms an extraordinary effort has been made by the entire operations department of Inmopolt over the last 5 months to structure, organize, document procedures, the standards that were required for ISO 9001:2015 identification and we are very proud of our work.

The Advance Collection service by Inmopolt, without commissions and for only a flat rate of 50 euros per month, brings security and tranquility to the property, both of the owners who have a home and use that rent to pay other charges, such as the mortgage. From Inmopolt we are assuring you that every month, before the 5th day, your rent will be paid, regardless of whether the tenant pays the rent or not, and whatever happens, avoiding to the property any problems for non-payments or delays. Also to the Family offices and services, we provide that security and peace of mind. This guaranteed collection is at no additional cost to the property. From Inmopolt we close the circle that in some cases is very tedious for owners: we market, manage and guarantee.

In Inmopolt we understand that giving security to the property, besides performing a 360o service in the homes, is motivating many owners who were hesitant to put their properties on the rental market, encouraging companies like Inmopolt to sell, manage and guarantee them. All without commissions and with a flat rate no more expenses than 30 euros or 50 euros, more than 20 years of experience and service at your fingertips. Cleaning, assistance community owners, change of supplies, active search for tenants, scoring of solvency and suitability.

They have B2C and B2B business. What are the differences between offering a service to an individual and a company?

The difference is not in the ends, since both the individual and the company seek to maximize the return on their investment with the minimum of problems. What changes is the level of demand. Companies require a level of reporting and certifications that demonstrate that the management of their assets is done properly. Moreover, while individuals tend to invest in addition to a pension, companies and funds tend to be more volatile and demand constant reports of service levels. Finally, the B2B business, with companies and funds, requires coverage throughout the national territory as that offered by Inmopolt.

Inmopolt also provides advice on real estate transactions for both individuals and companies.

Yes, this service has emerged naturally. As we gained the trust of our clients, many have asked us for advice on continuing to invest in other types of assets, such as co-living, hotels or ships. What we do is analyze the product, its feasibility and profitability, offering consulting throughout the process, from due diligence to investment.

What are Inmopolt’s next moves?

According to what I have been told by the chairman of Inmopolt, there are three development lines. First, a natural organic growth, continuing with our expansion in Spain, as in Madrid and other provinces. Second, strengthen growth in the B2B sector by offering our services directly to investment funds and wealth managers. And third, internationalization. We want to position ourselves as a trusted service provider for international investors, especially Latin American investors looking to invest in Spain.

In relation to the situation of the real estate sector in the Region of Murcia, what is your view on the lack of new construction?

It is a fact that in Spain there is a deficit of new construction. According to the studies, between 150,000 and 200,000 homes are needed per year, but we are building about 80,000 or 90,000 licenses, with deliveries of 60,000 or 70,000. In regions such as Murcia, there is not enough new construction to meet current demand. In addition, there are several problems: lack of manpower, high construction prices and difficulties in financing access to housing.

We need to find a solution for families and young people to be able to emancipate themselves. I cite as an example the efforts being made by the Community of Madrid, which is, I believe, a leader and an example. It is financing up to 100% of the architecture for people under 30, through guarantees that it is giving the Community of Madrid, guaranteeing young people to buy what they can not finance. This is being done through fiscal effort, through initiative, and it needs to be done.

What is your role as Senior Advisor at Inmopolt?

y role is to understand the company’s strategy, support its growth and contribute ideas that can strengthen its development. I focus on advising and serve as a point of bounce ideas to go configure what the management of the company wants to do. I also help commercially, through my contacts and institutional relationships, to keep the company expanding. It is not executive but advisory work, helping management to make the best strategic decisions.

The post Luis Martin Guirado (former BNP and Sareb), new Senior Advisor of Inmopolt.ex BNP y Sareb) appeared first on Inmopolt | Rentabilizando activos.

This certification validates its guaranteed rent model, which operates on a flat fee with no commissions.

Inmopolt, a leading real estate company, has been awarded ISO 9001:2015 certification by the Agency for Quality and Environmental Certification (ACCM). This recognition validates the quality of its services and processes.

With an innovative approach, Inmopolt offers property owners a flat fee of €50 a month with no commissions. The company guarantees on-time rent payment before the 5th of every month, with no surprises.

This model not only eliminates the usual concerns about rent payment but also guarantees complete management of the process, from the signing of the contract to the tenant’s departure. The company has over 20 years of experience in the industry, maintaining a 0% delinquency rate, which reinforces its commitment to security and efficiency.

Inmopolt, in addition to offering this commission-free service, focuses on maximizing the profitability of properties, providing a personalized service for owners in both the Region of Murcia and throughout the rest of the country. Its approach is based on simplicity and trust, offering clients peace of mind with a fixed and transparent fee, with no additional charges or surprises.

Luis Martín Guirado, Advisor for Corporate Development at Grupo Inmopolt, has stated, “The key to Inmopolt’s success is the flawless execution of every activity it performs. We implement a comprehensive service that delivers results and builds client trust, making us the perfect ally not only for individuals but also for SOCIMIs, family offices, and large asset holders who trust Inmopolt.”

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Additionally, it allows you to identify and negotiate specific clauses, ensuring a secure and transparent transaction. This knowledge is essential to guarantee that all important aspects—such as the price, sale conditions, and property transfer—are handled correctly and smoothly to prevent any future issues.

1. Identification of the Parties

The contract must clearly identify the buyer and seller, including their full names and addresses. This detail is crucial to avoid any misunderstandings about who is involved in the transaction.

2. Property Description

A detailed description of the property is essential. It must include the full address, lot size, building features, and any other relevant specifics that clearly identify the real estate.

3. Sale Price and Payment Method

The agreed-upon price must be clearly specified, as well as the payment conditions, which include the initial deposit, payment schedule, and method of payment.

4. Deposit or Earnest Money

The buyer usually hands over an initial amount as a sign of commitment, known as a deposit or earnest money. The contract must specify the amount of this deposit and the conditions under which it can be returned or retained.

5. Conditions of Sale

This section includes all conditions and terms of the transaction, such as the buyer obtaining financing or the seller making specific repairs.

6. Timelines and Important Dates

It is crucial to specify all key dates: the contract signing, financing approval, property inspection, and the closing of the sale.

7. Transaction-Related Expenses

The contract must detail which expenses each party will cover, including notary fees, registration, transfer taxes, and any other costs associated with the purchase-sale process.

8. Contingences

Contingencies are conditions that must be met for the contract to be valid. Some common ones include the approval of mortgage financing and the property appraisal.

9. Additional Clauses

Depending on the circumstances, it may be necessary to include additional clauses about furniture, appliances, specific repairs, or other particular conditions.

10. Signatures of the Parties

For the contract to be valid, it must be signed by all parties involved: the buyer, the seller, and in some cases, real estate agents or lawyers.

Importance of Reading and Understanding the Contract

It is vital that both parties read and fully understand the contract before signing it. If there are terms or clauses that are not understood, it is advisable to seek advice from a professional, such as a real estate lawyer.

The purchase agreement is a crucial legal document when buying a property. Understanding its components and terms ensures a transparent and fair transaction. By paying attention to every detail of the contract, buyers and sellers can proceed with confidence and security in their agreement.

The post Key Components of a Purchase Agreement appeared first on Inmopolt | Rentabilizando activos.

1. Depersonalize the Space

Tip 1: Remove Personal Items Eliminate family photos, personal keepsakes, and very specific objects. Buyers need to imagine themselves living in the space, and this is easier if the environment is neutral.

Tip 2: Use Neutral Colors If possible, paint the walls with neutral colors like white, beige, or light gray. These tones appeal to most people and make rooms appear larger and brighter.

2. Cleaning and Organization

Tip 3: Deep Clean Take time to thoroughly clean the entire house, including windows, carpets, bathrooms, and the kitchen. A clean and well-maintained home makes a better impression.

Tip 4: Declutter and Organize Spaces Store unnecessary items and organize your belongings. An uncluttered space looks bigger and allows buyers to focus on the home’s features.

Tip 5: Create Pleasant Aromas Ventilate the house well and use subtle air fresheners or scented candles to create a welcoming atmosphere. Avoid overly strong scents that can be bothersome.

3. Minor Repairs and Improvements

Tip 6: Make Basic Repairs Fix leaky faucets, squeaky doors, and any other minor repairs that could distract buyers. These small details can make a big difference.

Tip 7: Apply a Fresh Coat of Paint Painting the walls can refresh the look of the house and make it appear more well-kept. Opt for neutral and fresh colors to attract more buyers.

Tip 8: Improve Lighting Ensure that all rooms are well-lit. Replace burnt-out bulbs and consider adding lamps to create a warm and inviting atmosphere.

4. Decorating and Staging

Tip 9: Arrange Furniture Strategically place furniture to highlight the space and functionality of each room. Less furniture can make rooms appear larger.

Tip 10: Add Welcoming Details Small details like cushions, blankets, and fresh flowers can make your home feel more welcoming and appealing.

Tip 11: Take Care of the Exterior Don’t forget curb appeal. Keep the lawn maintained, clean the entryway, and consider adding plants or flowers to improve the first impression.

5. Professional Advice

Tip 12: Consider Professional Advice Working with a professional stager or a real estate agent can offer specific and personalized advice for your property, helping you maximize its appeal and market value.

Properly preparing your home can make all the difference in the selling process. At Inmopolt, we’re here to help you every step of the way and ensure your selling experience is successful and hassle-free.

The post How to Prepare Your Home for a Showing appeared first on Inmopolt | Rentabilizando activos.

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The Benefits of Working with a Professional Real Estate Agent

Having the expert guidance of a professional real estate agent can make a huge difference. From navigating the complex market to closing the best possible deal, here’s why working with a real estate agent can be a smart decision.

Experience That Counts

When it comes to real estate, experience is invaluable. Professional real estate agents are immersed in the market every day, which gives them a deep understanding of local trends, sale prices, and legal details that might go unnoticed by inexperienced buyers and sellers.

Access to Exclusive Information

Real estate agents have access to resources and tools that the general public does not. This includes property listing databases, information on recent sales, and knowledge about successful negotiations. With this information, they can help you find the perfect home or sell your property for the best possible price.

Save Time and Reduce Stress

Looking for a property can be overwhelming and time-consuming. Real estate agents can filter options based on your preferences, schedule viewings, and handle most of the paperwork. Likewise, when selling a home, an agent can take care of showings, negotiations, and legal details, freeing you from a considerable burden.

Effective Negotiation

The ability to negotiate is one of a good real estate agent’s key strengths. They are trained to get the best possible deal for their clients, whether it’s negotiating the purchase price or the conditions of sale. With an agent by your side, you can be sure that your interests are protected throughout the entire process.

If you’re considering buying or selling a property, don’t miss out on the benefits of working with a professional real estate agent! Our team of experts is ready to help you every step of the way. 

The post Benefits of Working with a Professional Real Estate Agent appeared first on Inmopolt | Rentabilizando activos.

Platforms like Airbnb and Vrbo

Short-term rental platforms, such as Airbnb and Vrbo, have revolutionized the way people find temporary accommodations. These platforms offer broad visibility and a simple way to manage bookings, payments, and communication with guests.

Advantages

These platforms can provide significant income, especially in tourist areas or during major local events. They also offer flexibility, allowing you to rent out your property only when it suits you: during vacations, on weekends, or when you’re not using it. Another advantage is that you have the freedom to adjust rates based on demand, seasons, and special events.

Disadvantages

The constant flow of guests requires you to keep the property in perfect condition and perform frequent cleanings. There is a risk that guests could damage the property or cause issues with neighbors. Additionally, you must be aware of local laws that may limit or regulate short-term rentals.

Local Regulations and Legal Considerations for Short-Term Rentals

Before you start renting your property short-term, it is crucial that you learn about local regulations. Many cities and municipalities have specific laws that regulate this type of rental.

First, some areas require property owners to get special licenses or permits to rent out their properties short-term. Additionally, income from short-term rentals is usually subject to local, state, and federal taxes, so you must ensure you comply with all tax obligations. It’s also important to verify if your property is in an area where short-term rentals are allowed, as some residential areas may have restrictions.

Comparison Between Short-Term and Long-Term Rentals

Short-term rentals have several benefits: they can generate potentially higher income per night and offer greater flexibility for the owner, as well as the opportunity to meet different people from all over the world. However, they also present risks: the higher tenant turnover can cause more wear and tear on the property, and it requires you to manage bookings and perform frequent cleaning tasks. You are also more exposed to changes in local regulations.

On the other hand, long-term rentals provide stable and predictable income and require less daily management. The property suffers less wear and tear due to lower tenant turnover. However, they have their own risks, such as less flexibility to reclaim the property and the possibility of problems with long-term tenants, such as rent payment and maintenance. Additionally, the income is usually lower compared to short-term rentals, especially in high-demand tourist areas.

Are you ready to take advantage of the benefits of short-term rentals? Don’t wait any longer. If you need advice, don’t hesitate to contact us for a personalized consultation.

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How to Make Your Home More Energy Efficient

Thermal Insulation

Improving your home’s thermal insulation is key to reducing energy consumption. Good insulation minimizes the need for heating in winter and air conditioning in summer. To achieve this, it’s necessary to insulate walls and ceilings with high-quality insulation. Additionally, double or triple-glazed windows reduce heat loss.

Efficient Appliances

Choosing efficient appliances can significantly reduce energy consumption in the home. This means selecting appliances with a high energy efficiency rating (A+ or higher).

LED Lighting

LED lighting is an economical and efficient option that can reduce energy consumption. Replace incandescent and fluorescent bulbs with LEDs and install motion sensors to avoid unnecessary energy use.

Benefits of Eco-Friendly Construction

Eco-friendly constructions bring significant benefits for homeowners. Although they may have a higher initial cost, they result in considerable long-term savings, as certain materials and designs reduce the need for heating, cooling, and artificial lighting. Moreover, eco-friendly materials are often more durable and require less maintenance.

The use of eco-friendly materials and designs creates a healthy interior, improving air quality through the use of non-toxic materials and enhanced ventilation systems. Additionally, it also contributes to thermal comfort by better insulating spaces.

Adopting measures to improve energy efficiency in your home, opting for eco-friendly constructions, and installing solar panels not only benefits the environment but also provides significant savings and improves the quality of life. Sustainability and energy efficiency are valuable investments for the present and the future.

If you need advice to make your home more energy-efficient, count on Inmopolt and ensure greater profitability in your sales and rentals.

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Increases Visual Appeal

When a house is well-staged and presented, it looks much more attractive at first glance. Home staging focuses on highlighting a property’s positive aspects and minimizing any flaws, which makes it much more appealing to potential buyers. Furthermore, by presenting a home professionally, potential buyers can more easily imagine themselves living there. This makes it easier for them to feel attracted to the property and increases the likelihood that they will decide to make an offer.

Creates a Lasting Impression

First impressions are key when it comes to selling a home. A well-prepared and presented property leaves a positive mark on potential buyers, increasing the chances that they will return for a second visit or decide to make an offer.

Helps Sell Faster

One of the biggest advantages of home staging is that it can speed up the sales process. Properties that have been professionally staged and presented tend to sell faster than those that have not. This means less time on the market and a higher chance of a successful sale.

Home staging is a powerful tool that can make a difference when it comes to selling a property. By highlighting the best features of a house and presenting it in an appealing way, it can increase the interest of potential buyers and help sell the home faster. For those looking to maximize their property’s value and ensure a successful sale, home staging is a worthwhile investment.

If you are ready to prepare your home for sale and increase your chances of success, Inmopolt will help you throughout the entire process.

The post Home Staging: Its Importance in Property Sales appeared first on Inmopolt | Rentabilizando activos.

If you already know how to price your home, now you need to decide which type of rental you’re interested in. As an owner, choosing between a traditional rental and a rent-to-own agreement is a crucial decision. Here we’ll delve into the key aspects from your perspective:

Traditional Rental

1. Advantages:
   • Steady Income: Renting generates stable monthly income.
   • Less Financial Risk: You don’t have to worry about selling the property.
   • Limited Responsibility: The tenant is responsible for minor repairs and maintenance.
2. Challenges:
   • Tenant Turnover: There may be frequent tenant changes.
   • No Equity Building: You are not building long-term capital.
   • Dependence on the Rental Market: Prices can fluctuate.

Rent-to-Own

1. Advantages:
   • Potential Future Sale: If the tenant decides to buy, you secure a sale.
   • Rental Income: Until the option is exercised, you continue to receive rent.
   • Greater Stability: The tenant has a more vested interest in the property.
2. Desafíos:
   • Long-Term Commitment: You must be willing to hold the property for the option period.
   • Fixed Price: The price is set at the beginning, without considering market changes.
   • Careful Tenant Selection: You need to look for serious and solvent tenants.

In conclusion, evaluate your financial goals and the market situation before deciding. A rent-to-own agreement can be a smart strategy to attract committed tenants and potential buyers. At Inmopolt, we’ll support you throughout the entire process to help you get the best return.

The post Renting or Rent-to-Own: Which is a Better Fit for You? appeared first on Inmopolt | Rentabilizando activos.