Cumbayá, Quito
Residential building — 14 units
- Annual rate
- 13.5% p.a.
- Term
- 18 months
- Loan-to-Value
- 62%
Real estate crowdlending — Quito · Ecuador
Invest in Ecuadorian real estate from USD 100.
Ecavalor connects investors with vetted real estate developers in Ecuador. Mortgage-backed loans, US-dollar returns and clearly defined terms.
Incorporated in Ecuador
USD-denominated
Mortgage-backed
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Concept
What is real estate crowdlending?
Real estate crowdlending is a collective financing model where dozens of investors jointly lend capital to a sponsor who develops or acquires a real estate asset in Ecuador. In return, investors receive periodic interest payments and the repayment of principal at the end of the agreed term.
Unlike buying a whole property, you don't need to mobilize tens of thousands of dollars or worry about asset management. Every loan is backed by a first-rank mortgage on the underlying property, registered with the corresponding Property Registry.
At Ecavalor we structure each deal with independent risk analysis, a professional valuation of the asset and a loan agreement with clearly stated rate, term and payment schedule. You decide which project to back and from what amount.
Process
Three steps to start investing
01
Browse projects
Review every published project: location, term, annual rate, mortgage collateral, technical study and payment plan. All information is disclosed before you invest.
02
Invest from USD 100
Sign the loan agreement electronically and transfer funds to the project escrow account. You'll receive your participation certificate in under 24 hours.
03
Earn returns
Collect monthly or quarterly interest according to the schedule. At maturity, your principal is returned. If the sponsor defaults, we enforce the mortgage.
Featured projects
A sample of recent deals in Ecuador
Reference figures from projects previously financed through Ecavalor. New projects are published monthly for subscribed investors.
Why Ecuador
A dollar market with a structural housing shortage.
Dollarized economy
Ecuador has used the US dollar as official currency since the year 2000. Your returns are not exposed to local currency depreciation.
Housing deficit
The country has a housing deficit of more than 1.7 million units according to figures from the Ministry of Urban Development and Housing, sustaining demand.
Registered collateral
Every loan is backed by a first-rank mortgage filed at the Property Registry of the city where the asset is located.
Competitive rates
Local sponsors pay between 12% and 16% per annum for bridge financing, creating an attractive spread over traditional bank lending.
13.8%
Average annual rate
USD 4.2M
Capital already funded
0
Projects in default
100%
Deals with mortgage
Frequently asked
What you should know before investing
Join the private list
Be the first to know about every new project in Ecuador.
We publish two to three new deals per month on average. Subscribers receive the full dossier 72 hours before the public release.
Real estate crowdlending — Quito · Ecuador