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Inisghts & Publications

Spain’s coastal market remains resilient, according to the Coastal Property 2025 report

The latest **Coastal Property 2025 report**, prepared by **Tinsa España by Accumin** and **Accumin Intelligence**, analyses the evolution of Spain’s coastal residential market and confirms its continued strength in a changing economic environment.

Foreign demand remains a key driver. In 2024, purchases by international buyers in coastal provinces increased by **2.5%**, while overall home sales across Spain also showed positive momentum over the past year.

Coastal areas continue to concentrate most foreign transactions. Around **83% of foreign purchases** were completed in coastal locations, with a strong presence in the Islands and along the Mediterranean coast. Within this trend, the report identifies contrasting dynamics. Foreign demand declined in the Balearic Islands, while the **North Coast of Spain recorded notable growth**.



The profile of international buyers is also becoming more diverse. Alongside traditional demand from the UK and Germany, interest is increasing from the Netherlands, Poland, the United States and China. The analysis highlights that foreign residents and non-residents tend to seek different types of properties, influencing local market dynamics.

Investor interest in holiday rentals remains significant. According to **71% of Tinsa’s expert valuers** who contributed to the report, investment purchases linked to short-term rentals have increased in coastal markets.

At **Accumin**, we analyse these dynamics to support buyers and investors with clear information and grounded advice. In markets as active and segmented as Spain’s coastal regions, clarity is essential for sound decision-making.

The [full report](https://www.accumin.com/intelligence/insights/reports/spain-coastal-housing-2025-report-real-estate-intelligence-to-anticipate-the-market) is available in Spanish. An English version will be released soon.


Spain’s residential market heats up in 2025, with rising prices and growing territorial disparities

Tinsa Chile by Accumin achieves ISO/IEC 27001 certification

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The latest analysis conducted by **Accumin Intelligence** in collaboration with **Tinsa Spain** confirms increasing upward pressure on residential property prices in 2025, alongside a growing territorial imbalance across the Spanish market.

Data for the **second quarter of the year** point to particularly strong performance in a significant number of cities and prime or tourist-driven locations. In total, **34 province capitals recorded year-on-year price increases above 5%**, highlighting the strength of demand in major urban areas.

Several municipalities stand out for their exceptional momentum, including **Benidorm**, with a **19.6% annual increase**, and **Marbella**, where prices rose by **17.2%.** In **Madrid**, residential prices continue to show strong growth, increasing by **16.1% year-on-year** and **4.4% compared to the previous quarter**.

At a regional level, the analysis reveals that **only 12 autonomous communities posted quarterly increases above 2%**, underlining the uneven evolution of the residential market across Spain.

The **national average theoretical affordability ratio**, measuring the share of household income required to purchase a home, stands at **34.1%**, indicating sustained pressure on housing affordability.

At Accumin Intelligence, these insights are transformed into **strategic market knowledge**, supporting better-informed decision-making across investment and financing in an increasingly complex real estate market environment.

Price per square metre in Chile continues to rise in new housing despite stabilisation in total values

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According to **Felipe García Bunster**, Head of South Latam at **Tinsa by Accumin**, the **total value of new residential properties in Chile has remained broadly stable since 2019**, while the **price per square metre continues to increase at an annual rate of around 7%.**

This trend is partly explained by **a gradual reduction in average dwelling sizes**, as the market adapts to tighter economic conditions. However, smaller homes do not necessarily translate into improved affordability, as financial pressure on households remains significant.

The analysis also points to a **growing preference for renting over buying**, alongside a closer alignment of supply with buyers’ real payment capacity. In **high-demand areas**, such as the **Metropolitan Region**, these adjustments are particularly pronounced.

In contrast, regions where prices remain relatively lower may still experience **further upward pressure**, highlighting the uneven evolution of the residential market across regions.

These insights support a deeper understanding of market dynamics and enable more informed decision-making across the real estate sector.


Real Estate price transparency

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News & Events

[The Bank of Spain and the Ministry of Housing have recently signed a cooperation agreement to improve the analysis of the housing market in Spain.](https://www.europapress.es/economia/construccion-y-vivienda-00342/noticia-banco-espana-ministerio-vivienda-colaboraran-mejora-analisis-mercado-vivienda-20250630145420.html) This agreement aims to strengthen the quality of the information available, foster collaboration between both institutions, and advance toward a deeper and more structured understanding of the real estate and housing sector. Among its objectives are the creation of a shared data space and the joint development of analytical projects.

Reinforcing this move toward greater market insight, [the Bank of Spain has also entered into a new agreement with the General Council of Notaries](https://www.eleconomista.es/legal/noticias/13466847/07/25/el-consejo-general-del-notariado-y-el-banco-de-espana-firman-un-convenio-para-reforzar-el-analisis-del-mercado-inmobiliario.html). This collaboration is designed to further strengthen real estate market analysis by leveraging the precise and detailed data generated through notarial activities, complementing the broader push for enhanced data quality and research.

At Accumin, we see this development as an opportunity to improve transparency and build trust across the entire residential ecosystem; including a genuine conversation we believe is essential: the need to improve transparency around actual sale prices as a lever for a less opaque and a more precise and trustworthy sector. 

We’ve been working for some time with ﬁnancial institutions and other sector stakeholders to promote more accurate, data-driven, and calibratable models. Spain has a complex system in terms of access to real sale price information: the data exists, but it is subject to access restrictions, aggregation, and time lags. Even so, we believe there is room for progress — even without major legislative changes.

There are useful examples across Europe. In the United Kingdom, actual sale prices are openly accessible to all market participants. In Germany, although the real sales prices data is not public, there are systems in place so that appraisal ﬁrms and banks have access to real data allowing them to improve the quality and consistency of their valuations and risk assessments. Both models show that there are viable ways to make better use of available information and raise industry standards.

Improving transparency beneﬁts all stakeholders in the residential ecosystem: citizens and consumers, who can make better-informed decisions; ﬁnancial institutions, which can manage risk more effectively; and supervisory authorities, which gain more reliable tools to assess market conditions.

The recent announcement from the Bank of Spain and the Ministry of Housing opens the door to further progress in this direction. Not only from an institutional standpoint, but as part of a broader cultural and technical shift already underway.

At Accumin, we will continue contributing our experience, technological capabilities, and international perspective to support the evolution and trust on a real estate and housing market that is more efﬁcient, more transparent, and better aligned with the real needs of all its participants.

Accumin joins the United Nations Global Compact

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Corporate Updates

Accumin joins the United Nations Global Compact 

Accumin has formalised its adherence to the United Nations Global Compact — the world’s largest corporate sustainability initiative. With over 20,000 companies already on board, the Compact promotes a global framework based on Ten universally accepted Principles in the areas of human rights, labour standards, the environment and anti-corruption.

This decision reflects one of the priority goals in our ESG roadmap. It marks another step forward in our mission to help clients, companies and institutions make better decisions — including in the field of sustainability.

Joining the Global Compact reinforces our commitment to responsible, ethical and transparent business practices across our entire value chain. It enables us to accelerate progress towards the Sustainable Development Goals (SDGs) set out in the 2030 Agenda, while strengthening our preparedness for evolving national and European sustainability regulations.

#### This commitment is not just an investment in our future — it’s an investment in the future of our employees, our clients, our partners, and the planet as a whole.


Tinsa Colombia by Accumin achieves ISO/IEC 27001:2022 certification

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**Tinsa Colombia by Accumin** has achieved **ISO/IEC 27001:2022 certification**, the leading international standard for information security management systems.

The certification confirms that the company’s processes and systems meet the most demanding requirements for information protection and risk management, strengthening the security of data belonging to clients, employees and partners.

This milestone was made possible by the work of the local team, led by **Andrés Ariza Dupont**, together with the IT team at Tinsa Colombia by Accumin, who delivered a rigorous implementation aligned with international standards throughout the certification process.
At **Accumin**, this achievement forms part of a broader commitment to applying consistent security, control and reliability criteria across all markets in which the group operates.


Tinsa Spain IMIE local markets Q2 2025

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The Spanish property market consolidates its growth. In the second quarter of the year:

-	The average price of new and second-hand homes rose by **9.8% year-on-year**.
-	**Madrid** leads the way with an increase of **16.1%**, followed by the Balearic Islands, Malaga and Valencia.
-	The provinces surrounding Madrid, such as Toledo and Guadalajara, grew by over **7%**.
-	Supply remains insufficient: completed homes fell by **7.9%**, despite the increase in building permits.
-	In **seven provinces**, the purchase effort exceeds **40% of income**. In Malaga, it reaches **58%.**


Download the full report and make informed decisions

At Accumin, we convert this data into actionable intelligence for banks, investors and operators in the sector.

Spanish shore housing report 2025

Leave us your details to access the full report.

Download the Full Report

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A data-driven view to understand what’s driving Spain’s second-home market today.
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The research team of **Accumin Intelligence** has analysed more than 150 coastal zones to provide a rigorous overview of market behaviour in this key segment.

Here are some of the standout findings:

- Average coastal price up +7.2% YoY
- Scarcity of new builds boosts values in premium areas
- 32 municipalities surpass pre-crisis peak prices
- Northern Coast leads in transaction growth

A must-read for real estate professionals, financial institutions, and investors seeking clarity and foresight.


Access the full report

on-geo days 2025: insights, perspectives and connections from across the industry

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The **on-geo days 2025**, organised by **on-geo by Accumin**, brought together real estate and valuation professionals for two dynamic days focused on knowledge sharing, dialogue and community building.

The event welcomed a strong line-up of speakers from across the industry, including professionals from **CBRE, JLL**, as well as representatives from leading associations, specialist firms and real estate analytics companies.

Special thanks were extended to the host venues, including the **Dorint Hotel am Dom in Erfurt**, as well as to the exhibitors and partners of the Street Drink Festival, whose collaboration was essential to the success of the event.

A particularly heartfelt thank-you goes to the internal on-geo team, whose dedication and hard work made the event possible.

Following this successful edition, on-geo is already looking ahead to **2026**, continuing its commitment to knowledge, collaboration and innovation; same city, new location.

Tinsa Digital, Deyde Datacentric and urbanData Analytics join forces in Accumin Intelligence

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The new company brings together Accumin's business specialising in data quality, data solutions, real estate intelligence and artificial intelligence.

Accumin, an international leader in real estate valuation, consulting, software, and data intelligence, has unified its global data, insights and artificial intelligence business into a new company called **Accumin Intelligence**.

This new company, which has a workforce of 120 people, integrates the experience and innovative solutions of the Spanish companies **Deyde**, leader in quality, geolocation and data validation; **Datacentric**, expert in large database management, information enrichment and geomarketing, and **urbanData Analytics**, a proptech specialising in real estate solutions and analytics. It also includes the automated valuation activity (AVM) of **Tinsa Digital** and the German company **on-geo**.

The birth of Accumin Intelligence is part of the transformation process of the group, formerly known as Tinsa Group, which in September 2024 presented its new Accumin identity as a global brand.


"Accumin Intelligence positions us as the leading company in data, real estate intelligence and geospatial analysis in Europe and Latin America."

The innovative solutions developed so far by different companies come together under one vision to provide companies from all sectors with actionable business intelligence to optimise operations, mitigate risks and maximise asset value.

In addition to real estate companies and professionals, **Accumin Intelligence** solutions are used by leading companies in a wide variety of sectors, such as **Vodafone, Ikea, Allianz, Mapfre, Naturgy, Santander and Caixabank.**


"The integration of our data, analytics and artificial intelligence teams allows us to develop innovative tools adapted to each industry, driving decisions based on reliable and unique data in the market."

Coinciding with the presentation of the new company, two new solutions have been launched: **Accumate**, an advanced platform for real estate portfolio management with market analytics, and **Accumin Data House**, which offers real-time access to all the company's data and AI models.

Accumin awarded Bronze Medal from EcoVadis for sustainability performance

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The group ranks among the top 24% of companies in the real estate sector worldwide.

Accumin, an international leader in real estate valuation, consulting, software, and data intelligence, has just been awarded the EcoVadis Bronze Medal for its sustainability performance. The company ranks among the top 35% of those assessed by EcoVadis in the last year, and among the top 24% in the real estate sector.

Founded in Paris in 2007, EcoVadis is a global leader in corporate sustainability assessments, having analysed more than 130,000 companies in 175 countries. It scores companies' performance on a scale of 0 to 100 across 21 criteria grouped into four themes: Environment; Labour and Human Rights; Ethics; and Sustainable Procurement. Three levels of management are assessed in each area: policies, actions, and results (KPIs).

The 21 analysed criteria are based on international sustainability standards, including the Global Compact Principles, International Labour Organisation (ILO) conventions, Global Reporting Initiative (GRI) standards, ISO 26000 standards, and CERES principles.

Accumin's assessment was carried out at group level, taking into account all its subsidiaries — more than twenty companies in 14 countries. Accumin HoldCo obtained a score of 61 out of 100, placing the group in the 68(th) percentile and among the top 35% of companies with the highest scores assessed by Ecovadis worldwide in the last 12 months. Within the real estate sector, Accumin is among the top 24% in global sustainability performance, a position that reflects its commitment to environmental responsibility and social impact.

Accumin's strongest performance areas in the assessment were Ethics, with the company ranking among the top 10% of companies in its sector, and Environment. 

Two Accumin subsidiaries, the German companies Persch Consult and on-geo, were awarded Gold and Bronze medals respectively in 2024 for their corporate sustainability performance.

‘This award demonstrates that Accumin's performance is significantly above average, both within its sector and on a global scale. It is great recognition of our work and commitment to sustainability, and it also shows us where we need to improve. We will continue to work to advance our sustainable policies and practices, with the aim of achieving an even higher rating in future assessments.'

## About Accumin

Accumin is one of the world’s largest and most trusted independent real estate groups, offering diverse, global expertise in a powerful and innovative portfolio of tech-enabled solutions for real estate and property management backed by decades of experience. With innovative and complementary solutions for Value & Advisory, Intelligence & Software, and Risk Management, and an approach based on precision, independence and clarity, Accumin aims to help corporate clients and end consumers navigate uncertainty and make the right decisions.
With more than 1,500 employees in 14 countries across Europe, Latin America and Africa, and deep technical and local knowledge, Accumin has a clear commitment: to cut through complexity and help clients See Value Clearly.

Learn more about Accumin at [www.accumin.com](link).



Tinsa Spain IMIE local markets Q1 2025

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The IMIE Local Markets statistics show the evolution of the unit market value of housing in each of the Autonomous Communities, provinces and capitals of Spain, based on the appraisals of completed free market housing carried out by the company in the period analyzed.

The average price of new and used housing in Spain increased by 7.5% year-on-year in the first quarter (+4.7% in real terms, discounting the effect of inflation).

New construction report Spain 2025

The real estate sector is constantly evolving and understanding its trends is key to making strategic decisions.

The new report “New Construction Housing 2025”, prepared by experts from Tinsa by Accumin's Research Department, will provide you with a detailed analysis of the evolution of prices and developer activity from 2021.

In this report you will discover:
- Average price of new construction housing by Autonomous Communities, Provinces, Capitals and relevant municipalities, and employment poles and metropolitan areas of Madrid and Barcelona.
- Evolution of building permits and new construction sales and purchases.
- Energy efficiency of the residential stock.

Accumin sponsors NPL Europe in London

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Accumin was pleased to take part as an official sponsor in the 10th annual edition of the NPL Europe Conference, organised by Smith Novak in London. The event brought together more than 400 key stakeholders from 25 countries across the non-performing loans industry to discuss the latest developments, trends, and innovations shaping the sector. 

As part of our commitment to driving innovation, technology, and data in a constantly evolving market, several Accumin representatives attended the event to showcase the strength of our globally scalable data solutions in supporting asset analysis and decision-making.


**Javier Ventas**, Director of urbanData Analytics by Accumin, chaired the **Servicing: Ops & Tech** experts forum, on the latest market developments and trends in AI and technology services. He was joined by **Julio Jose Prado**, Board Advisor at Relational; **Mark Oppermann**, Chief Revenue/Marketing Officer & Co-Founder at Webio;  Hardev Tumber, Group Head of Collections and Recoveries at Revolut and **Javier Morilla**, Director of Technology and Operations at Diglo Servicer.

Accumin was also represented in the event by Maarten de Haas, Global Head of Value & Advisory and Manuel Hurtado, Manuel Hurtado, Global Head of Intelligence. 

Accumin will also be sponsoring the upcoming NPL Iberia Conference, taking place in Madrid on 22 May.


An overview of mortgage lending in 2024 in Mexico

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An overview of mortgage lending in 2024 in México

According to the analysis "Real Estate Market Outlook 2025" prepared by Tinsa Mexico by Accumin, Nuevo León led the country in mortgage loan issuance in 2024 with 13.1% of the total, followed by Jalisco (9.3%) and the State of Mexico (6.9%). The share of these three states in loan issuance was very similar to that of 2023.

The states of Quintana Roo, Guanajuato, Baja California, and Querétaro are in the following positions, leaving Mexico City in eighth place.


By type of housing, used homes have gained ground in states such as Mexico City, the State of Mexico, and Baja California Sur, where they represent more than 55% of the number of loans issued. 

By segment, the largest percentage of mortgage loans are for traditional and mid-range housing. Second-hand property is particularly prevalent in the traditional segment, while new homes are particularly prevalent in the mid-range segment. 


By age group, 42% of those who took out a loan were between 25 and 34 years old, followed by those between 35 and 44 years old at 31.1%, and those between 45 and 54 years old at 16.1%. In 2023, a similar share will be among those between 24 and 34 years old, with the participation of young people becoming a trend that stimulates demand and the type of real estate offering.

According to economic analysts, the GDP outlook for 2025 will be conservative, with a 1.0% to 1.2% growth rate, as is traditional at the start of a new six-year term, coupled with external economic and political conditions that could influence the Mexican economy.


Mortgage lending is also expected to grow conservatively with stable interest rates.

At Tinsa by Accumin, our purpose is to empower people and companies to grow by making the best decisions in a constantly evolving market. Our goal is to provide precision, clarity, innovation, and build trust with our clients, identifying opportunities and risks that might otherwise go unnoticed.

- **[Original news link](https://www.tinsamexico.mx/radiografia-de-la-colocacion-de-creditos-hipotecarios-en-2024/)** 
- **[Radiografía 2024 (Spanish only)](https://www.tinsamexico.mx/#flipbook-df_42618/1/)** 

Real Estate market trends for 2025: Tinsa Mexico by Accumin

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2025 will be a stable year, although with challenges. At Tinsa México by Accumin, we expect sales growth in the housing market of 2.5% to 3%, driven by the following trends:

- Sales growth in the housing market is expected to be 2.5%.
- Institutional income is positioned as an organized alternative to the traditional income market.
- The retail market is starting to get busier.
- **Changes in the composition of the housing segment** - Currently, new housing development is concentrated in residential segments, although there is unmet demand in social sectors, creating an area of opportunity.
- **The sustainability theme is gaining momentum** - Green mortgages and their preferential rates will be an area of opportunity for both bridge loans and mortgages, so emphasis will be placed on seeking LED certifications and other sustainability issues. By the end of 2024, projects with a sustainability certification such as EDGE or LEED will represent less than 5% of active projects, clearly representing an area of opportunity.
- **Institutional rental market boom** - Also known as "multifamily," institutional rentals are positioning themselves as an organized alternative to the traditional rental market, known as the "shadow market," in areas with high capital gains, generating good investment opportunities.
- **Ticket Price above the value per square meter** - The value per square meter is still relevant. However, the Ticket Price has become a crucial factor for developers to stay in the market. In many cases, the size of the home is reduced to maintain a competitive Ticket Price.
- **Downsizing** - Over the last decade, the average home size has shrunk by more than 20m², due to economic and market factors. We've moved from ideal properties of between 90 and 110m² to more compact units, especially in central areas of large cities, in line with current ticket prices.
- **Young people's share of demand** - The increase in demand from young families is changing the type of property. This group is seeking well-located properties, both for rent and for sale, close to parks, gyms, shopping centers, and restaurants, sacrificing size.
- **Efficient amenities** - Efficient amenities that don't generate high maintenance costs are currently in demand. Amenities that create community and compensate for the small size of properties are favored. Walking distance will be a key factor in development.

##### Expansion of the retail market

After difficult years as a result of the pandemic, the retail sector is beginning to see more activity. We're seeing shopping centers with more occupied stores, lines of people shopping, and new brands are arriving in Mexico. The balance between online and physical commerce has been consolidated.

Newsroom

A new milestone in Accumin’s journey: growing together as one team

Accumin shares strategic insights on Latin America’s real estate market at The District Show

Partnering with MITERD to launch Spain’s first national energy efficiency certificate database

@Accumin2025