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市场调查报告书
商品编码
1761524
全球房地产金融科技市场评估:依产品、部署模式、应用、最终用户、地区、机会和预测(2018-2032)Global Real Estate Fintech Assessment, By Offerings, By Deployment Mode, By Application, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
全球房地产金融科技市场规模预计将从2024年的212.3亿美元成长至2032年的518.2亿美元,在2025-2032年的预测期内,年复合成长率为11.80%。在快速数位化的房地产生态系统中,对安全、个人化和无摩擦的房地产贷款和投资的需求日益成长,推动着全球房地产金融科技市场的成长。推动这一快速成长的关键因素包括:无缝线上抵押贷款处理的推动、日益严格的透明贷款和投资实践监管,以及日益成长的让服务匮乏的人群获得房地产服务的需求。
全球房地产金融科技市场瞬息万变,瞬息万变。这主要源自于对数位优先房地产服务的需求,从抵押贷款发放、代币化房地产投资到物业租赁管理,无所不包。房地产(property tech)、金融(fintech)和保险(insurtech)技术正在 "超级应用" 的框架下融合,以推动投资和成长。传统流程正在透过自动化和人工智慧进行简化,以创建更整合的贷款和服务流程,使交易流程对买家、经纪人和开发商都更加透明、快速和方便。市场参与者正计划推出各种相关服务,以满足日益成长的需求并扩展其市场产品组合。
例如,2024年5月,金融科技新创公司OneDome Ltd.推出了一个由人工智慧驱动的全方位服务市场,提供与房地产购买、租赁和投资相关的所有服务,包括挂牌、抵押贷款融资、保险、产权和过户服务,所有这些都在一个介面中进行,这表明嵌入式金融科技正在改变全球房地产交易的方式。
本报告对全球房地产金融科技市场进行了详细分析,包括市场规模和预测、市场动态以及主要参与者的现状。
Global real estate fintech market is projected to register a CAGR of 11.80% in the forecast period 2025-2032, increasing from USD 21.23 billion in 2024 to USD 51.82 billion in 2032F. The increasing demand for secure, personalized, and frictionless property financing and investments in a rapidly digitizing real estate ecosystem, propelling the global real estate fintech market growth. Key contributors to this surge include the push for seamless online mortgage processing, rising regulatory focus on transparent lending and investment practices, and the growing need to democratize property access for underserved populations.
The global real estate fintech market is moving fast and changing rapidly, primarily due to demand for digital-first property services, from mortgage origination and tokenized property investment to property rentals management. The convergence of technology in real estate (property tech), finance (fintech), and insurance (insurtech), all within the umbrella of "super-apps", is driving investment and growth. Traditional processes are being rationalized through automation and artificial intelligence (AI), creating a more integrated process of financing and services and increasing transparency, speed, and portability of the transaction process for buyers, brokers, and developers alike. Companies in the market are planning to launch different concerned services to address the rising demand and expand market product portfolio.
For instance, in May 2024, the fintech start-up OneDome Ltd. launched a full-service, AI-powered marketplace providing listings, mortgage finance, insurance, title, closing services, and everything else associated with buying, renting, or investing in property, using just one interface to show how embedded fintech is changing how property transactions are done around the world.
Rising Embedded Services Drive Global Real Estate Fintech Market Share
The emergence of platforms embedding mortgage, payment, and insurance solutions directly into their platforms (and, at times, their experiences) is a significant driver of growth in the real estate fintech market. Simply, modern consumers expect an integrated experience when searching for a home, arranging financing, and getting insurance in one digital workflow, driving the global market growth. In addition, the fintech solutions have proven efficient in reducing friction in many places, reducing customer acquisition costs, and shortening the time from offering to closing. Platforms unite frequently used services, such as automation and artificial intelligence underwriting, and APIs together to deliver an expedited quote and digital approval process. Ultimately, these platforms reduce unnecessary customer friction in the approval process, improve conversions, and build customer trust, transparency, and agency with their decision space throughout the home buying transaction. Even more, these platforms enable better options for those borrowers with alternative income profiles, or no credit scores by providing better alternative data-based underwriting capabilities.
In January 2024, Autodesk, Inc. acquired Payapps UK Ltd, a platform that digitizes contract payments in the construction and real estate development sectors. This acquisition demonstrates Autodesk's strategic mission to create the ability to develop fintech workflows that exist in property tech ecosystems. Overall, Autodesk now possesses the core technology to add end-to-end payment processing and payment systems for its customers throughout a single project lifecycle. With these integrated processes, real estate developers can expect a greater level of certainty regarding cash flow for every aspect of the real estate development workflow, along with more secure compliance on a project-wide basis with their internal functionalities.
Growing Usage of Tokenization Surges Global Real Estate Fintech Market Demand
Tokenized real estate and equity crowdfunding platforms are quickly taking off around the world, democratizing property ownership through fractional investing. These platforms allow you to carry out investment in the form of shares of residential or commercial real estate that are owned through smart contracts based on blockchain technology. By using these methods, there are lower barriers to entry for investors, higher liquidity of assets, and a global marketplace due to global connectivity. Furthermore, the emergence of digital wallets and extension through mobile apps will enable and streamline investing models such as micro-investing and recurring investing, so that it is super easy for any user to establish a diversified portfolio with very little money. Immediate outcomes of tokenization are fiscal auditability, instant settlement, and a streamlined transfer of asset types, which appeal to retail investors as well as institutional account holders.
For instance, in August 2024, real estate fintech Pinata launched "Pinata Pay," directly with Visa, which permits people to participate and invest in real estate using Visa cards. Furthermore, this initiative indicates that tokenized platforms are officially becoming mainstream by incorporating traditional finance infrastructure into a decentralized investment model. This innovation inherently simplifies the payment method and the footprint of fractional ownership while enhancing accessibility and market adoption across fractional ownership platforms.
Mortgage Lending Dominates the Global Real Estate Fintech Market
With a variety of applications in the real estate fintech space, mortgage lending remains dominant from its origins in the need for a quicker, more efficient, and digitized home loan process. As an example, modern fintech platforms now offer options ranging from instant pre-approval, demand opportunities with electronic document verification, AI-underwriting, and real-time application tracking; they are dramatically enhancing customer experience and dealer efficiency. These types of offers create a space where, for the first time in some instances, barriers to the traditional mortgage process, such as excessive processing times and limitations to personalization, are being addressed through automated and intelligent processes. The integration of mortgage APIs into property search platforms also offers a simple solution for buyers who can (while browsing listings) request and receive real-time financing options, integrating a layer of financing into the search experience by eliminating the typical disconnect between discovery and financing in a shared digital space.
In March 2024, LendInvest plc launched a suite of new residential mortgage products, increasing LTV limits on MUFB BTLs (Multi-Unit Freehold Blocks Buy-to-Let) to maximize their reach to a broader customer base, such as first-time buyers and property investors, while marketing their products as specific to speed and flexible arrangements. Attending to these advertising, development, and overall offerings to enhance ease and flexibility are consistent with how mortgage lending has turned into a faster and more borrower-friendly endeavor, if there is such a term, and becomes a benchmark for how the real estate fintech industry will evolve.
North America Dominates the Global Real Estate Fintech Market Size
North America continues to lead the real estate fintech sector due to a unique convergence of technology adoption, venture capital investment, and regulatory support. The U.S. real estate market is well within the rapid early digitization phase with respect to listings, financing, and the transfer of ownership. As consumers are increasingly using mobile-first platforms to discover homes, apply for mortgages online, and complete real estate transactions without ever having to step foot in a bank or brokerage, are seeing early adopters across all income levels. Public policy initiatives aimed at affordable housing and financial inclusion have reinforced this and further speed up North America's adoption trend across all income cohorts. North America is also establishing standards in three-dimensional (3D) property modeling, blockchain title services, and AI-based lenders.
For instance, in October 2024, Costar Group acquired Matterport to create a more comprehensive and robust property ecosystem. The Matterport acquisition embeds immersive virtual tour experiences and integrates other types of financing and transaction data; thus, further cementing North America's leadership role in the proptech/fintech converged space and reflecting the stated emerging trend of proptech and fintech firms increasingly merging assets.
Key Players Landscape and Outlook
A combination of pure-play fintechs, property tech companies, and established financial institutions taking their first steps into the digital real estate arena comprises the real estate fintech market. Companies are offering some unique propositions, from fractional ownership, embedded mortgage, to decentralized property transfer. The real estate fintech market is maturing and anticipate an uptick in M&A activity between incumbents who acquire niche startups to plug technology gaps. Competitive intensity is also being shaped by international expansions in the local market, changes in regulations, and partnerships through embedded finance.
For example, in 2024, Legacy Group Capital acquired Rook Capital, which is an award-winning real estate fintech firm. The acquisition allowed Legacy to add to its capabilities around tech-driven mortgage origination and risk management. Further signaling a consolidation trend amongst mid-sized players, and the need to move both upstream and downstream whilst still being able to offer property financing.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.