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Accumin Intelligence shares insights on data and AI at NPL RES 2025

**Javier Ventas Sánchez, Advisory Director at Accumin Intelligence**, participated yesterday as a speaker at **NPL RES 2025**, joining the panel _“Innovation in NPLs: data, AI and advanced recovery strategies”_.

The session brought together industry professionals including **Antonio Fernández García-Fraile**, Managing Director at Finsolutia; **Javier Picas Asmarats**, Business Development Director at SOGEMEDI; and **Conrado Caviró Méndez**, Chief BU Investors at doValue Spain.

The discussion focused on **the role of data across the full value chain**, from capture and governance to processing and analytical use in valuation models. The panel also explored how **artificial intelligence and process automation** are improving efficiency in the real estate and NPL markets, while reshaping pricing methodologies and recovery strategies.

The exchange highlighted the importance of integrating advanced analytics and AI-driven tools to remain competitive in an environment where accuracy, speed and consistency are increasingly decisive.


The new US–EU trade agreement brings clarity to markets and implications for real estate

Access to housing in Portugal: supply constraints at the centre of the imbalance

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The new trade agreement between the United States and the European Union introduces a clearer framework for transatlantic trade. A **single 15% tariff** on most EU exports to the US, covering sectors such as automotive, pharmaceuticals and semiconductors, reduces uncertainty that had been weighing on macroeconomic expectations.

From a real estate perspective, this clarity may help **restore investor confidence**, particularly in **industrial and logistics** assets, which are closely linked to global trade flows. 

In Europe, a more stable outlook combined with lower interest rates is expected to continue supporting housing demand. The outlook is more nuanced in the United States. Persistent inflationary pressures and weaker purchasing power could limit momentum in the residential market, despite the easing of trade-related uncertainty.

In [our latest analysis](https://www.accumin.com/intelligence/insights/articles/how-could-the-current-trade-war-impact-the-real-estate-market), **Cristina Arias Baniela**, Director of Research Services at **Tinsa España**, examines the economic context and its potential impact on real estate markets on both sides of the Atlantic.


Is rural Germany the answer to the housing challenge?

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Property investment in Germany has traditionally focused on major cities. However, the current imbalance between supply and demand is prompting a reassessment of the market: while urban areas face very low vacancy rates, rural regions account for nearly two million empty flats. This phenomenon, often referred to as Landflucht in reverse, is gaining momentum and opening up new investment opportunities. 

The growing appeal of rural living is driven by several structural factors. First, housing costs in rural areas remain significantly lower than in cities, where rents and purchase prices can be up to 30% higher. This cost differential positions rural locations as a more accessible alternative for both residents and investors.

Beyond affordability, lifestyle considerations are playing an increasingly important role. Many households are prioritising tranquillity, space and proximity to nature. This shift is further reinforced by the rise of remote and hybrid working models, enabled by improving digital infrastructure: by mid-2024, over 40% of German households had access to fibre optic broadband. 

In parallel, substantial government housing support is enhancing rural affordability. Key measures include more than €11 billion allocated to residential construction through the Special Infrastructure and Climate Neutrality Fund, alongside €700 million committed by 2026 to the Young buy old programme, which provides favourable financing for families renovating older properties. 

At Accumin, we closely analyse these evolving market dynamics to strengthen our clients’ investment strategies. We support investors and real estate stakeholders in identifying and capturing emerging opportunities within the German property market. 


Is energy certification really impacting real estate value?

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Energy performance certificates are now a regulatory requirement in many markets and an increasingly visible factor in residential decision-making. The key question is whether they are translating into **tangible value** for owners, investors and lenders.

At **Accumin**, we analysed data from several of the markets where we operate to understand how energy certification is influencing residential value in practice. The findings show clear differences across countries.

In **Spain**, a recent study conducted by **Tinsa España, Accumin Intelligence and IESE Business School** confirms the existence of a measurable green premium. On average, each improvement of one energy efficiency letter is associated with a 1.3% **increase in property value**, consistent across market segments. This is the first study to objectively demonstrate this relationship in Spain. The analysis also highlights remaining challenges related to the technical quality and consistency of issued certificates.

In **Germany**, the regulatory framework is among the most advanced in Europe. Even so, the rate of energy-efficient refurbishment remains below target, at **0.69%** per year, and adoption of efficient technologies has slowed. Market evidence points to administrative complexity and uncertainty around incentives as factors influencing renovation decisions, despite the potential for value uplift.

In **Chile**, the Energy Efficiency Law (Law 21.305) requires energy certification for all new residential buildings from 2025 onwards. **More than 170,000 certificates** have already been issued, supported by the development of green mortgage products that link financing conditions to energy performance.

In **Mexico**, there is still no mandatory energy certification system. Some developers and financial institutions apply voluntary standards such as LEED or EDGE, but **fewer than 5% of new residential units** currently fall under any recognised sustainability scheme.

Across markets, one conclusion stands out. Energy certification can influence asset value when it is **robust, credible and consistently applied**. Its impact depends less on regulation alone and more on technical soundness, traceable data and market confidence.

Oodit achieves ISO/IEC 27001 certification, strengthening its commitment to information security

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**Oodit** has officially achieved **ISO/IEC 27001 certification**, the leading international standard for information security management systems.

This milestone highlights Oodit’s strong commitment to protecting sensitive data and ensuring the highest standards of **risk management, control and information security**, providing a secure and reliable environment for partners and clients.

For **insurers, brokers and GRC leaders**, this certification delivers additional confidence in how Oodit manages information security across all areas, from infrastructure and platform architecture to internal processes and regulatory compliance.

Tinsa Chile by Accumin achieves ISO/IEC 27001 certification

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**Tinsa Chile by Accumin** has obtained **ISO/IEC 27001 certification**, the leading international standard for information security management systems.

This certification marks a significant step forward in strengthening data protection, risk management and cybersecurity practices across the organisation. It reinforces Tinsa Chile by Accumin’s commitment to quality, trust and continuous improvement in an environment where information security is increasingly critical.

The achievement was made possible thanks to the leadership and dedication of **Osvaldo Painamil** and the IT team at Tinsa Chile by Accumin, whose work was key to reinforcing systems and ensuring robust data protection throughout the certification process.

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

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Inisghts & Publications

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

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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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[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.