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Real estate
pol | Oct. 9, 2026, 5:56 p.m.
In recent years, the housing debate has been marked by a political discourse based on models that have already failed in other countries. A narrative has been constructed that systematically blames private capital and the middle class for market failures, while the Administration promises grand public solutions that never quite arrive.
From the daily management at Immogirona , we observe how this combination of strict regulation and lack of real management is producing the opposite effect to that desired: less supply, flight of investment, lower quality of apartments and greater difficulty of access for the most needy groups.
The government has been promising thousands of public housing units and the mobilization of land for years, but the reality is that public execution is extremely slow and the real product never reaches the market . Furthermore, the current danger is the consolidation of this political dogmatism: many of us fear that, even with future changes of government, reversing these dynamics and the discourse generated will be a slow and complex process, prolonging the supply crisis for years.
A large part of the rental stock does not belong to large funds, but to families and small middle-class savers who allocated their savings to real estate as a supplement for their retirement. Subjecting them to constant legal uncertainty and treating them as speculators causes them to withdraw their homes from the regular market.
Furthermore, this insecurity does not only affect the small owner: Catalan developers and private investors have transferred their activity and capital to other autonomous communities or countries where they find a stable and predictable regulatory framework. Catalonia is exporting its own developer capital.
The word "fund" is often used pejoratively, when in many cases these are groups of thousands of small savers (such as pension funds of European or Canadian workers). If the Administration offered them legal security and a reasonable return (IRR), this capital would allow the Build to Rent model to be developed, massively increasing the supply. Instead, the lack of guarantees causes these resources to go to other markets.
With a regulated price and an overflowing demand volume, the owner has zero incentive to renovate the home . Painting, changing the shutters or renovating the kitchen requires an investment that the law does not allow to be recovered through price. Since any apartment is rented in a few hours for the maximum allowed limit, the average quality of the housing stock on offer drops irreparably.
When we publish a flat in Girona, we receive dozens of contacts in a few minutes. At Immogirona we apply a prior filtering form to manage this volume with rigor and offer the best selection to the owner.
However, since the price is high and legal protection in the event of default or vulnerability is weak, owners seek maximum security:
Candidates with higher, stable and easily proven income are strictly prioritized.
Those profiles with less financial capacity are discarded, which are precisely those that the law intended to protect.
At Immogirona we are clear: price regulation alone does not create housing; it only reduces its quantity and quality. To restore balance it is necessary:
Real legal security that protects the assets of small and large owners.
Incentives and stability to recover Catalan developer capital and attract investment in new rental housing.
Professional, transparent and rigorous management , like the one we offer at Immogirona, to guarantee balanced and trustworthy contracts for both parties.
📩 Do you want to manage your rental assets with maximum security or do you need real estate advice? Contact the Immogirona.cat team