NPL

Investing in Non-Performing Loans in Spain

Non-Performing Loans (NPLs) offer early access to distressed real estate in Spain through secured debt.

Arqonia helps investors acquire these assets well below market value, long before they reach auction.

What Are Non-Performing Loans (NPLs)?

A non-performing loan is a mortgage-backed credit in which the borrower has defaulted. In Spain, banks, servicers, and hedge funds frequently sell NPL portfolios to reduce risk and free up capital.

This opens the door for investors to acquire real estate exposure at 35–50% below market value, depending on the stage and collateral involved.

Why Invest in NPLs in Spain?

Access assets before they reach auction
Secure significant discounts compared to REOs or SaA
Legal protection through judicial processes
Strong collateral linked to real estate
Market driven by institutional divestment from hedge funds

How Arqonia Adds Value

We source directly from lenders
Collateral valuation and risk review
Coordination of legal enforcement and asset recovery
Custom strategy for exit: resale, lease or conversion to ownership

Who Should Consider NPL Investments?

Real estate investors seeking higher ROI
International buyers wanting to access Spain’s distressed market
Family offices or private funds with mid to long-term strategies
Anyone looking for entry points with strong upside potential

Legal & Tax Considerations

We guide our clients through the legal and fiscal structure of NPL acquisition in Spain, ensuring compliance, security, and clarity at every step.

Success Metrics & Returns

Each NPL case is unique. However, with proper analysis and legal structuring, investors can achieve substantial returns while controlling downside risk.