How to Buy Real Estate with Crypto: A Practical Guide for 2025
The crypto community is always looking for new opportunities. Some want to go beyond trading and start diversifying. That’s why we’re back with another guide. Last week, we explained how to move from crypto into gold. If you missed it, check out our guide here: How to Buy Gold with Crypto
Today, we explore another solid asset — real estate. So let’s break down how you can buy real estate with crypto.
1. Pay Directly in Crypto
Yes, it’s possible.
Some sellers now accept Bitcoin, Ethereum, or even stablecoins as direct payment. You agree on a price, sign the contract, and transfer the crypto at closing.
But keep this in mind: You’ll still need legal support. A notary or title company will help finalize the deal. And using an escrow service adds extra safety to the transaction.
To keep things smooth, work with a crypto-friendly real estate agent.
💡 Pro Tip: Someone close to us is selling a luxury villa in Riviera Maya, Mexico — a tourist hotspot. If you’re crypto-rich and shopping in the 7-figure range, reach out.
2. Use a Crypto-Backed Mortgage
You don’t have to sell your crypto to buy a house. You can use it as collateral instead.
This is called a crypto-backed mortgage. It allows you to borrow cash while keeping your crypto invested.
How it Works
You lock your crypto (like BTC or ETH) with a lender. In return, they give you a cash loan to buy property. If your crypto’s value drops too much, you may need to add more.
This strategy has become more popular in recent years. It bridges the gap between DeFi and traditional real estate. You stay exposed to crypto upside — without having to sell.
The Process
Here’s what to expect:
- Eligibility check: Most lenders accept BTC and ETH. They’ll usually ask for collateral worth 150% of the loan amount.
- AML compliance: You’ll need to show where your crypto came from.
- Application: Pick a lender, transfer your crypto to their escrow wallet, and agree on terms.
- Appraisal and approval: The property gets evaluated, loan terms finalized.
- Repayment: Options vary. Some are interest-only. Others are traditional loans.
If your crypto dips below the loan threshold, you’ll face a margin call. You’ll have to add more funds or risk liquidation.
Advantages
- You keep your crypto investments
- You might avoid capital gains tax
- Faster approval (less focus on credit score)
Risks
- High crypto volatility
- Margin calls during price drops
- Changing regulations
Related: Gold vs Bitcoin, what’s the better inflation hedge?
Where to Get a Crypto-Backed Mortgage
Before applying, always check:
- Security measures
- Loan terms and interest
- Accepted cryptos
- Local legal compliance
- Customer service quality
3. Use a Platform to Buy Real Estate with Crypto
New platforms make it easier than ever to buy property straight with crypto.
Sites like CryptoRealEstate.cc list homes and apartments around the world. They help with legal steps, escrow, and transfers.
These platforms simplify cross-border buying and open the door to global real estate investing.
Why Buy Real Estate with Crypto?
Markets go up and down. Real estate helps you lock in gains from crypto and turn it into something stable.
Instead of converting to cash, many investors now move from BTC or ETH directly into homes, apartments, or land.
Let’s take a deeper look at one success story.
TEKCE: A Real-Life Example
TEKCE is a real estate firm helping crypto users buy property.
They started in Turkey and now operate in Spain, Cyprus, and Dubai. They’ve processed crypto deals since 2017.
Here’s how their process works:
- Pick your property
- Fill in a KYC form
- Sign a crypto payment agreement
- Transfer BTC, ETH, or USDT
- TEKCE converts it to fiat and pays the seller
They handle the paperwork and legal side to keep things compliant.
TEKCE also offers fund structures for large crypto purchases. These may help with tax efficiency depending on your region.
Best Countries to Buy Real Estate with Crypto
Some countries are ahead of the curve. Here’s where crypto real estate deals are already happening:
United Arab Emirates
- Range: $200K – $5M
- Top Cities: Dubai
- Perks: No capital gains tax, luxury properties, crypto-friendly policies
- Agencies: Emaar, DAMAC, Nakheel
The UAE is a crypto hub. Developers and agencies are open to BTC and ETH deals.
Mexico
- Range: $100K – $3M
- Hotspots: Tulum, Playa del Carmen, Cancun, Cabo, Acapulco
- Agencies: TheAgencyRM, La Haus, Baga Riviera
Mexico offers year-round sunshine, beautiful beaches, and booming tourism. Crypto is growing fast here. Many real estate agents in Riviera Maya are crypto-friendly.
Turkey
- Range: $50K – $500K
- Hotspots: Istanbul, Antalya
- Agencies: Istanbul Homes, Antalya Homes
Turkey has low property prices and a pro-blockchain government. Many crypto holders are buying homes here with BTC.
Thailand
- Range: $40K – $500K
- Hotspots: Bangkok, Pattaya, Phuket
- Agencies: Serene Condo, Wallaya Villas
Thailand is relaxed on crypto rules. Some developers already accept Bitcoin and stablecoins.
Portugal
- Range: $100K – $1M
- Hotspots: Lisbon, Porto
- Agencies: Use Cryptorealestate.cc
Portugal is tax-friendly for crypto. No capital gains tax on personal crypto sales makes this a dream destination for crypto investors.
Montenegro
- Range: $50K – $500K
- Agencies: Mdrealty.me
With Adriatic Sea views and low prices, Montenegro is gaining traction with crypto real estate buyers.
Canada
- Range: $300K – $2M
- Cities: Toronto, Vancouver, Montreal
- Agencies: BTCHome, Toronto Realty Group
Stable, regulated, and crypto-forward. Canada’s major cities offer secure crypto-to-property deals.
The Future: Tokenized Real Estate
Buying property might get even easier.
Tokenization allows you to own fractions of a property using digital tokens. Instead of needing $500K for a house, you could own 1% of five different properties around the world.
Benefits include:
- High liquidity
- Fast transactions
- Lower entry cost
- Global exposure
The UAE is already testing tokenized housing models. Other countries may follow soon.
Final Words
As crypto matures, more investors are turning to real estate to lock in value and reduce risk. Whether you’re sending Bitcoin to a seller, using your ETH as loan collateral, or buying through a global platform — there are now multiple ways to buy real estate with crypto.
And we’re just getting started.
At AirdropAlert, we’ll keep guiding you through the best ways to move from digital wealth into real-world assets.
Stay tuned — more diversification guides are coming.
If you enjoyed this blog, you may want to check out our list of 6 best crypto exchanges.
As always, don’t forget to claim your bonus below on Bybit. See you next time!
2025-04-30 11:51:04
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