Have you ever wondered how to get high returns by investing in a safe and well-backed market?
In this article, we are going to explore how you can invest in Non-Performing Mortgage Loans (NPLs) through Tokeniza Real Estate and its expert debt management partner, SAI Capital.
Read on to discover how this investment can be the answer to your financial needs.

What are NPLs?

Definition of NPLs

NPLs, or Non-Performing Loans, are loans that have ceased to be repaid by borrowers and are therefore considered to be in default.
These defaulted loans represent a unique investment opportunity, as they are often backed by collateral, such as real estate, which provides high risk protection.

NPL market in Spain

In Spain, the NPL market reached a size of €76 billion in 2023.
Of these, approximately 30% are mortgage loans, i.e., those backed by real estate.
This represents around €21.7 billion in mortgage NPLs, creating a significant opportunity for investors seeking high returns with capital protection.

Why Invest in NPLs with Tokeniza Real Estate?

Security and Transparency

Tokeniza Real Estate offers a platform that allows you to invest in NPLs from as little as €600.
Investing in these defaulted loans comes with additional security, as they are backed by real estate.
In addition, Tokeniza Real Estate’s technology ensures transparency in all transactions, providing investors with a clear and accurate view of their investments.

High Profitability

Investing in NPLs can generate a high return due to the significant discount at which these loans are acquired.
SAI Capital, Tokeniza Real Estate’s partner, has a proven track record in managing NPLs, with over €50 million invested and an average return of over 25% for its investors.

How NPL Investment Works

Asset Selection Process

The process begins with the selection of assets that meet SAI Capital’s defined KPIs, such as loan value, auction type and other key factors.
Mortgage NPL listings are thoroughly analyzed to identify the best investment opportunities.

Judicial and Occupational Analysis

Once the assets have been selected, an analysis of the judicial process is performed to know the status of each loan (lawsuit, foreclosure, auction, etc.).
An on-site visit is also conducted to evaluate the occupational status of the property, which helps determine the most appropriate recovery strategy.

Negotiation and Purchase of Debt

SAI Capital negotiates with the owners and debtors of the assets, seeking agreed solutions such as the purchase of the debt by a relative of the owner or dation in payment.
Finally, the purchase of the debt is negotiated with the financial institution at a price that allows the target return agreed with the investors to be achieved.

Benefits of Investing in NPLs

Portfolio Diversification

Investing in NPLs offers an excellent opportunity to diversify your investment portfolio.
Because they are backed by real estate, NPLs provide additional protection against market volatility.

High Profitability Potential

The acquisition of NPLs at reduced prices allows for a significant profit margin.
SAI Capital has demonstrated its ability to generate high returns, with an estimated net IRR in excess of 25%.

Professional Risk Management

SAI Capital uses a rigorous approach to mitigate the risks associated with investing in NPLs.
This includes individual partner review, weekly committee discussions and limiting the purchase price of NPLs to a low percentage of the property value.

Case Study: SAI Capital

Experience and Results

SAI Capital, with over 35 years of combined experience among its partners, has invested over €50 million in mortgage NPLs with outstanding results.
They have closed nine transactions in just two years, exceeding their investors’ expectations and achieving a net IRR of over 25%.

Investment Funds

SAI Capital is currently in the process of closing its SAI I fund and in the funding stage of its new SAI II fund, which already has commitments of over €3 million.
These funds allow investors to participate in a lucrative market with the backing of experts in NPL management.

How to Start Investing with Tokeniza Real Estate

Platform Registration

The first step to investing in NPLs with Tokeniza Real Estate is to register on its platform.
This process is simple and quick, allowing investors to access a wide range of NPL investment opportunities.

Investment Selection

Once registered, you will be able to select the investments that best suit your financial objectives.
The platform provides detailed information on each NPL, including the judicial and occupational analysis performed by SAI Capital.

Monitoring and Management

Tokeniza Real Estate provides advanced tools to monitor and manage your investments.
You will be able to see the progress of each investment, the payments received and the overall performance of your portfolio in real time.

Conclusion

Investing in NPLs through Tokeniza Real Estate and SAI Capital represents a unique opportunity for high returns with significant risk protection.
The combination of advanced technology, debt management expertise and transaction transparency ensures that investors can make informed and confident decisions.

If you are looking for an innovative and secure way to grow your capital, do not hesitate to explore the opportunities that Tokeniza Real Estate and SAI Capital have to offer.
For any questions or more information, do not hesitate to contact us.

Get started today and discover the potential of investing in NPLs! investing in NPLs!