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Housers review 🏡, risks and alternatives (opinion no cashback)

Housers, risk and opinion. A upside down house.

WHAT ARE THE RISKS AND ALTERNATIVES TO HOUSERS?  

MY MIXED OPINION ABOUT HOUSERS PUSHED ME NOT TO INVEST YET. I'VE STUDIED THE PRODUCT IN DEPTH, BUT I REMAIN SOMEWHAT SKEPTICAL.

THE REAL ESTATE CROWDFUNDING IS INGENIOUS AND HOUSERS OFFERS A NICE TOOL, BUT THEN, YOU DON'T REALLY OWN A PROPERTY.

THE SECONDARY MARKET IS NOT YET VERY LIQUID AND 10% OF  THE PROFITS ARE DUE IN CHARGES. RISKS ARE CLEARLY STATED, NO SCAM. I BELIEVE THERE ARE MORE CONVENIENT ALTERNATIVES ONLINE


Reading time: 2 min.

In this comment on Housers you will not find the promotional code that looks like 50€ but is only 25€ per person.

Read our disclaimer.

This Housers review isn't only negative, because I do find some aspects that I like a lot. I like this "democratization" of the online investments, I approve it, and Housers is a pioneer of a beneficial fin-tech revolution. Being able to invest in real estate starting from 50€ is absolutely interesting and also brings ordinary people closer to the convenient opportunity to invest in autonomy.

Housers.com says it is "the first pan-European platform for investment in tangible assets", the dream of investing in something "real" is now possible through the web. 

Housers, in my opinion, is interesting, but what you get by investing, is a stake in a company that invests in a specific property or in several projects, You don't own a house or a fraction of it.

Housers, some of the projects available

Housers, some of the projects available

This was until some time ago. Over time, Housers offer has expanded, to date, there are four different types of investment.

  1. Buy to let

  2. Buy to sell

  3. Development loan  

  4. Art (no longer available 2018)

Tipi di investimento Housers

Buy to let:

When we talk about "Buy to let", it is basically about lending money to a company that rents or sells properties. So you can earn both from the rents paid and from the revaluation of the property. You can virtually sell your share at any time. I don't know how easy and quick the process can be, but I don't believe there is already such a liquid market by now.

Buy to sell: 

The "Buy to sell" mode, on the other hand, is aimed at financing projects for the renovation or construction of new buildings with (or without) the aim of selling them. No rent, therefore, the amount invested and the interest will return to our disposal all together if the sale ends up successfully.

Development loan:


"Development loan" is the third option available. It's the option I like the most. Clean and transparent. We lend money for real estate projects under construction. The payment is monthly and starts immediately, there are no rentals yields and the capital borrowed is fully returned at the end of the investment period.

Art (?):

 
The great (old) news on Housers is the chance to invest in "art" with Housers. It is called a participative loan, it has a stated time horizon of 2/7 years and during this period the works are evaluated once a year by experts in the field. You are free to sell before you reach your goal, as long as you find someone willing to buy your stake.

To invest in the art market have always been a very difficult task especially for "non-experts". (No longer available)


I find that Housers currently offers few projects, and returns that are "not to write home about". 

Widening the point of view but staying in topic with the real estate market lately, I came across another crowdfunding tool, "EstateGuru". Here I found more attractive returns and clarity. Many statistics available and an apparently modern platform. To be fair, also Housers is showing some clear numbers on its website lately.

On EstateGuru I lend the money to a specific manufacturer who explains the project in detail and offers me a fixed interest in return. If everything goes wrong there is the property to guarantee the loan. Well, It works! 

There are thousands of international investors in EstateGuru, and the latest reported returns are over 12% yearly. By now, Housers is less competitive, on the other hand, Housers has many more investors. The default rate of EstateGuru is not known, but losses reported are 0€ to date. The statistics declared by the site are clean to read and indicate the "Loan to Value", this number is an element a value a lot when I consider any loan investment (the percentage of the their LTV is below 60%). 


These days "crowd" and "social" are trendy words, but when it comes to online investing I don't look too much what is trending and what is not (a part from the stock market). So what I like the most as an online investment now, is definitely peer to peer lending.

I believe that in terms of diversification, liquidity and, above all, returns, Peer to Peer lending is still much higher and "tested", because it has existed for many years.

Peer to peer lending tools allow us to achieve a good fragmentation, spreading our risk on many (even thousands) loans. It is obviously an effective way of reducing risk and real estate crowdfunding is limited it this aspect. With P2P we have more data on which to develop strategies and many numbers, unlike real estate where we obviously talk about future price predictions of the properties . The real estate market is very attractive, but by now I overweight the "certainty" of loans while building my online potfolio.

For those who have a passion for real estate but do not want to buy a property, there are also REITs. These are real estate funds specialised in RE, that are liquid and accessible.


Going back to Housers, there is to say that the website is fabulous, modern, and eye-catching, the logo is brilliant. The information accompanying the single projects is detailed, and the photos are colourful and bright. The technology behind it must be leading edge.

At the end of the description of each Housers' project (I appreciated the honesty) we are informed that the capital is at total risk of loss, the liquidity is not guaranteed and that the projects are not regulated by any government institution.

The Housers' motto is one of the most effective we've ever seen: "Get the most out of your money". Let us hope that this is the case. 


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NOTE: The indications contained in this analysis are to be considered mere information tools and do not intend to constitute in any way financial advice, solicitation to the public savings, suggest or promote any form of investment.