Real estate crowdlending · Ecuador
Lend to Ecuadorian real estate from USD 100.
Nobimobil connects investors with local real estate developers. Lend capital to residential projects in Quito, Guayaquil and Cuenca and receive fixed interest secured by a first-lien mortgage.
Governed by Ecuadorian law · Notarised contracts · First-lien mortgage collateral
USD 100
Minimum ticket per project
8–12 %
Projected annual interest
12–36
Typical tenor in months
100 %
Backed by a mortgage
What is real estate crowdlending?
A group loan secured by an actual building.
Real estate crowdlending is a form of collaborative financing in which dozens of individuals lend small amounts to a property developer to build, refurbish or acquire a real asset. In exchange, each lender receives periodic interest and gets the principal back at contract maturity.
Unlike traditional crowdfunding, on Nobimobil you do not buy company shares or illiquid quotas: you sign a civil loan agreement (contrato de mutuo) with the developer, secured by a mortgage over the property itself. If the project defaults, the asset answers for the debt.
It is the most direct way in Ecuador today to access real estate returns without buying an entire dwelling, without recording deeds in your name and without incurring notary fees on every single deal.
Low ticket
From USD 100 per project. Diversify your capital across multiple developments.
Projected fixed income
Projected 8% to 12% annual interest, paid according to the contract schedule.
Mortgage security
Every loan is backed by a first-lien mortgage registered at the Property Registry.
Defined term
Projects run 12 to 36 months. You know from day one when you get your capital back.
How it works
Four steps to lend to a real estate project.
01
Sign up and verify your identity
Complete KYC using your Ecuadorian ID card or passport. We comply with anti-money-laundering rules set by UAFE (Ecuadorian financial intelligence unit).
02
Pick the project you want to fund
Review the prospectus: location, property appraisal, developer's commercial plan, projected rate, tenor and level of collateral.
03
Sign the loan agreement
You transfer your capital via local Ecuadorian bank transfer. An electronic loan agreement is signed with full legal validity in Ecuador.
04
Collect interest until maturity
You receive monthly or end-of-term payments, according to the schedule. At maturity your principal is returned and the mortgage is released.
Why Nobimobil
Designed for Ecuadorian investors who want brick, not promises.
100% Ecuador focus
We only fund projects located in Ecuadorian territory, appraised by surveyors registered with the Superintendency of Banks.
Full transparency
We publish the loan agreement, the mortgage deed and the appraisal before you decide to invest. No fine print.
Independent escrow account
Your money does not sit at Nobimobil. It is deposited in an escrow account at an Ecuadorian bank and only released to the developer against a registered mortgage.
Quarterly site report
You receive photos, a construction progress timeline and the project's financial status every quarter. You always know what your money is doing.
Zero fees for the investor
The developer pays the origination fee. You receive 100% of the interest stated in the contract.
Human support in Quito
A local team that answers in Spanish, on Ecuadorian office hours (GMT-5). No offshore call centres.
Risks you must be aware of
Lending carries risk. We explain it with the same clarity we use to advertise returns.
Construction delay risk
A real estate project can face delays due to municipal permits or weather, which can postpone interest payments.
Default risk
If the developer fails to pay, the mortgage is enforced. Recovery depends on the market value of the property at the time of sale.
Illiquidity
Loan agreements are not exchange-traded. You cannot withdraw your capital before maturity except by assigning it to a third party.
Real estate market risk
Property values can drop due to national economic conditions. The mortgage collateral covers this risk only partially.
Frequently asked questions
Everything you want to know before lending your first dollar.
Is Nobimobil regulated in Ecuador?+
Nobimobil S.A.S. is an Ecuadorian company incorporated in 2026 at the Superintendency of Companies. We operate as a technology platform that facilitates civil loan agreements between individuals and real estate developers under the Ecuadorian Civil Code. We meet the reporting obligations imposed by UAFE.
Who can invest?+
Any individual over 18, whether Ecuadorian or a foreigner resident in Ecuador, with a valid ID card or passport and a bank account at a local bank. We also accept Ecuadorian legal entities with an active RUC (tax ID).
How do I receive my interest?+
Interest is credited directly to your registered Ecuadorian bank account, following the loan agreement schedule (monthly, quarterly or at maturity). No manual withdrawals, no extra steps.
What if the developer defaults?+
Nobimobil, acting as agent for the lenders, starts the judicial process to enforce the mortgage before the competent court. The property is auctioned and proceeds are distributed pro-rata among the project's lenders.
Can I withdraw my capital early?+
Loan agreements have a fixed maturity. You may assign your position to another investor through our internal secondary board, but there is no guarantee of finding a counterparty.
Are returns taxable?+
Yes. Interest income is subject to Income Tax under Ecuadorian tax rules (Servicio de Rentas Internas). Nobimobil issues the annual withholding certificate for your tax return.
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Every time we open a new project in Quito, Guayaquil or Cuenca we notify our list first. No spam. One email per project.
