Real estate · Ecuador · 2026

Real estate crowdlending: fund projects, earn interest

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Modern residential building representing real estate assets in Ecuador

What is it?

Real estate crowdlending, explained

Real estate crowdlending is a form of collective financing in which several people lend money to a developer or property owner to build, refurbish or acquire a real estate asset in Ecuador. In exchange, lenders receive periodic interest payments and the return of their principal at the end of the term.

Unlike equity crowdfunding, you do not buy a share of the property: you sign a loan contract secured by real collateral, usually backed by a mortgage on the financed asset. This makes real estate crowdlending a form of fixed income with tangible collateral.

Accessible ticket

You can lend from $250 dollars and diversify across several projects — something impossible when buying property directly.

Predictable yield

Interest is contractually agreed and paid monthly or quarterly, providing a stable cash flow.

Real collateral

Each loan is structured with a mortgage or property pledge registered in Ecuador's Property Registry.

How it works

From project selection to interest payment

1. We analyse the project

Our risk committee reviews the location, the developer, the appraisal value and the expected cash flow. Only deals that pass our due diligence process are published.

2. We structure the collateral

A loan contract with a registered mortgage is signed before a public notary in Ecuador. Lenders are protected by a preferential right over the property.

3. We publish the opportunity

We share the full project detail: requested amount, annual interest rate, term, payment schedule and legal documentation so you can decide with complete information.

4. You receive interest

Once the project is funded, payments begin according to the schedule. At maturity, principal is returned and the mortgage is released.

Why Ecuador

A dollarised and stable real estate market

Dollar economy

Ecuador has used the US dollar since the year 2000, eliminating foreign exchange risk on your returns.

Housing deficit

The country has an unmet demand for housing that drives residential projects in Quito, Guayaquil, Cuenca and Manta.

Clear legal framework

The mortgage registered at the Property Registry grants legal preference to the creditor over the financed property.

True diversification

Combine residential, commercial and tourism projects to build a balanced fixed-income portfolio with real collateral.

Frequently asked questions

Everything you should know before lending

What is the difference between real estate crowdlending and crowdfunding?: In equity crowdfunding you buy a fraction of the property and share in capital gains and losses. In crowdlending you lend money in exchange for fixed interest, secured by a mortgage. It is fixed income, not equity.
How much can I earn?: Annual reference rates in Ecuador for 2026 range between 9% and 14% effective per year, depending on term, location and the collateral level of the project.
What is the minimum ticket?: With Nobitechh you can start lending from $250 dollars per project, which allows you to diversify your portfolio from day one.
What happens if the developer defaults?: The mortgage is enforced through a foreclosure procedure in Ecuador. Appraisal values are always structured above the lent amount to cover principal, interest and recovery costs.
Is real estate crowdlending regulated in Ecuador?: The Organic Entrepreneurship and Innovation Act and the resolutions of the Financial Board regulate collective financing activities. Nobitechh operates under these guidelines and uses notarised loan contracts with real collateral.

Real estate crowdlending: fund projects, earn interest

Real estate crowdlending, explained

From project selection to interest payment

A dollarised and stable real estate market

Everything you should know before lending

Get weekly project analysis and educational guides