11:04 am, June 11, 2022
Will investing in real estate be as simple as ordering VTC? In any case, this is the promise of “proptechs”, these start-ups that provide innovative products or new models for the stone market. Evidence of a market’s growth in its infancy a few months ago: by 2021, the sector will have reached 44 roundraising of funds for more than 628 million euros raised, according to the Maddyness site. “Proptech is a very diverse sector that brings together all real estate trades, from funding using online brokerage to construction, including new trustees for penetration rates ranging from 1 to 10% depending in type.Steps, deciphers entrepreneur and essayist Robin Rivaton, author ofreal estate tomorrow (Dunod). The people who operate today are serious players with profitable businesses. We came out of the bubbling phase with so many boxes that we didn’t know would survive. »
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Applications that facilitate rental investment are particularly on the rise, driven by low interest rates and the Pinel system (which allows you to benefit from tax advantages in the event of a new purchase, and will end in 2024). After Masteos, which raised 15 million euros by the end of 2021, Beanstock has just finished rounding up funding of 12 million euros. These start-ups, which simplify the lives of investors (search for properties, financing, employment, rental management, etc.), are financed themselves through a price commission of property. Main target: young people living in the Parisian metropolis without the capacity to be owners there. By joining forces with other start-ups that offer complementary services, these players are adapting to the digital habits of new generations, who are accustomed to managing their lives from their peers. smartphone. For example, Masteos has partnered with Pretto to help its customers find credit, including Unkle for unpaid guarantees, to Luko for insurance or to Homeland for trustee management. Since the beginning of 2022, six of these start-ups have raised funds: 3 million for student housing developer Roof, 4.5 million for renovation site manager Placeshaker, and 1.4 million for low- carbon construction platform and Kompozite.
“The possibility to make significant savings”
Making the buying or renting process smooth and easy is the mantra of these new players, like Virgil, who offer to participate in the purchase of housing by young households who do not contribute enough. In the same spirit, Garantme, a digital rental guarantee solution, manages the contract from A to Z and sets up procedures to support the tenant in case there are unpaid bills. Proptech companies are also preparing to reduce croupiers to real estate agencies, which are already competing on individual-to-individual sites (Le Bon Coin and PAP). Hosman’s new real estate agency, for example, takes care of 100% of the sale of a home thanks to an advisor who manages the file, from the estimate to signing the notarial deed, including creating an ad or the writing of visit reports … all for a lump sum of 5,900 euros. “These companies are surfing the renewal of livelihoods with generational effects, but clients are expanding because many people are now attracted by the possibility of saving big.”studies Robin Rivaton.
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Other applications are trying to recreate the secondary home market, which has been emerging since the Covid-19 crisis. This is the case of Prello, a start-up created in August 2021 that buys the property, renovates it, furnishes it and resells it in part through a civil real estate company (SCI). Digital technology makes it possible to “tokenize”, according to the lexicon of these neo-entrepreneurs, i.e., separate pieces of buildings or houses into several parts. This mechanically lowers the entry ticket required to invest. There are so many innovations that can have positive effects across the sector, as Robin Rivaton summarizes: “The real estate professions make a lot of money for often low customer satisfaction, the fact that buying or renting actions do not repeatedly promote a kind of inertia. Proptech is good for the industry by bringing less competition and innovation to the sector. »