Crowdfunding Platform - Indemo review

Basic information

For Investors

Functionality

What Is Discounted Debt?

Discounted Debt Investments (DDIs) are a compelling way to invest in non-performing real estate loans purchased at significant discounts from Spanish banks. These loans typically feature real estate collateral, meaning they’re secured by properties—like apartments, townhouses, and villas. Investors can buy these debts at a much lower than face value and profit when the underlying property is sold at market value 📈. This model opens up Spanish real estate investing to a broader audience through a digital platform.

What type of investments does Indemo offer?

Indemo is an innovative investment platform designed for those seeking exposure to the Spanish real estate market through a regulated and secure model. The platform enables investors to purchase securities known as Notes, which are directly linked to discounted real estate debt portfolios sold by Spanish banks.

These Notes are backed by fully completed and existing residential properties—including apartments, townhouses, and villas—offering strong potential for returns when the properties are sold at or above market value. This debt-based investment model provides a unique way to access Spanish real estate without the need to buy property directly.

With a minimum investment of just €10, Indemo allows for instant diversification across multiple real estate assets in cities across Spain. Investors benefit from lower risk through geographically diversified property exposure.

The platform also offers both manual portfolio management and an Autoinvest feature. This smart automation tool allocates capital according to predefined investment strategies, making it ideal for those who prefer a hands-off approach.

Indemo is redefining real estate investing in Europe, making fractional property-backed investments in Spain accessible, flexible, and efficient for all types of investors.

How Does Discounted Debt Work?

• Acquisition of non-performing loans — Spanish lenders, eager to offload bad debts, sell them at substantial discounts. 

• Selection & Bundling — Indemo’s expert partners select loans with strong recovery potential and bundle them into Notes, offering built-in diversification across various debts.

• Investor Access — These Notes are made available to individual investors via the Indemo platform, allowing them to assume both the risks and upside rewards of the underlying debt. 

• Recovery & Sale — When properties are sold or the borrower settles, investors receive their share of principal + profits, often resulting in double-digit annual returns.