Fractional room ownership (proindiviso) unlocks homeownership for young Spaniards priced out of mortgages
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).