uri valls

habitacion.com sells individual rooms via proindiviso (co-ownership) at €40-80k with 10-year personal loans matching rent payments (~€600/mo). Buyers build equity, can sell/rent later, and save €25-30k in 5 years toward a full down payment. Average buyer age 25-35 with permanent contract; 60% are investor-occupiers. Model bypasses mortgage age limits (avg first mortgage at 40 in Spain).

Uri cites Idealista data showing Barcelona rental listings dropped from 17k to 5k (70%) in 26 months after the housing law, as landlords freeze supply due to regulatory risk and squatter fears. He recommends buying in 3rd-tier cities near Madrid (Toledo, Ciudad Real, 80-100k pop) where prices are €90-120k, population grows, and new supply is <30% of demand, driving 10-12% annual appreciation.

Uri references Argentina's repeal of rent controls under Milei: rental supply jumped 200% and rents fell 30% within 6-12 months. He argues Spain should fully deregulate (repeal Ley de Vivienda) because 98% of housing is owned by small landlords, not funds, so liberalization unleashes massive supply without fund dominance.