{"id":16815,"date":"2024-10-21T16:09:59","date_gmt":"2024-10-21T14:09:59","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/marbella-villa-limon\/"},"modified":"2025-03-13T17:26:29","modified_gmt":"2025-03-13T16:26:29","slug":"marbella-villa-limon","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/marbella-villa-limon\/","title":{"rendered":"Marbella-Villa Lim\u00f3n"},"content":{"rendered":"\n<p>WECITY complies with the provisions of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of participative financing services for companies and Title V of Law 5\/2015 on the promotion of business financing as amended by Law 18\/2022 of 28 September on the creation and growth of companies. It is authorized by the <strong>CNMV<\/strong> as a Participatory Financing Service Provider, registered in the registry under number 9, with a favorable proposal from the <strong>Bank of Spain<\/strong>.<\/p>\n\n\n\n<p>Investor, before making your investment, please read the <a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/\">basic information for the investor client<\/a>, as well as the <a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/#cooling_off-period\">pre-contractual reflection period for inexperienced investors.<\/a><\/p>\n\n\n\n<p><strong>Skin in the game<\/strong>: <em>&#8220;In compliance with Article 8.2 of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of equity finance, it is hereby informed that <\/em><a href=\"https:\/\/www.wecity.com\/en\/team\/\"><em>partners, managers and employees of wecity<\/em><\/a> <em>may invest in this opportunity .<\/em> <em>These investments will be made under the same conditions as those of other investors without receiving preferential treatment or privileged access to information.&#8221;<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The investment<\/h2>\n\n\n\n<div class=\"wp-block-group is-style-border-radius has-background\" style=\"background-color:#f5f7f6\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li><strong>Purpose of the loan:<\/strong> Cancellation of mortgage debt and payment of construction completion costs for the development of a luxury villa located at 62c Menchu Escobar Street, Guadalmina, Marbella.<\/li>\n\n\n\n<li><strong>Type: <\/strong>Fixed rate loan<\/li>\n\n\n\n<li><strong>Guarantee:<\/strong> 1st degree mortgage<\/li>\n\n\n\n<li><strong>Term:<\/strong> 12 months (+ 6 months possible extension)<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 12% per annum<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity<\/li>\n\n\n\n<li><strong>ECO valuation <\/strong>(current)<strong>:<\/strong> \u20ac2,826,098 : <strong>Current LTV:<\/strong> 69%.<\/li>\n\n\n\n<li><strong>ECO valuation <\/strong>(HET)<strong>:<\/strong> 4,155,705 \u20ac <strong>LTV: <\/strong>47%<\/li>\n\n\n\n<li><strong>First drawdown: <\/strong>1,750,000 \u20ac | <strong>LTV: <\/strong>62%<\/li>\n\n\n\n<li><strong>Rating:<\/strong> <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">AA<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan:<\/strong> 1.950.000 \u20ac.<\/li>\n\n\n\n<li><strong>Promoter:<\/strong> 1,073,402 \u20ac.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> 250 \u20ac.<\/li>\n\n\n\n<li><strong>Maximum investment<\/strong>: No investment limits<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>Planview, S.L<\/strong>, is requesting financing through wecity for the cancellation of a mortgage loan in the amount of 1,410,300 \u20ac and to cover the costs of completing the construction of a luxury villa located at Calle Menchu Escobar, 62c, in the Guadalmina Baja urbanization, Marbella.<\/p>\n\n\n\n<p>The plot has an area of <strong>1,000 m<\/strong><sup><strong>2<\/strong><\/sup>on which will be built a single-family house with a <strong>built area of 496 m<\/strong><sup><strong>2<\/strong> distributed <\/sup>on two floors, basement and solarium<sup><strong>.<\/strong><\/sup> The project has a building permit for the development of 1 house with 4 bedrooms in suites, as well as an indoor garage for 4 cars, cinema room, gymnasium and large gardens with swimming pool and outdoor kitchen. So far, a <strong>construction progress of 74.61%<\/strong> has been certified. The property is for sale at \u20ac3,850,000.<\/p>\n\n\n\n<p>The project will be financed through a<strong> mortgage loan in the amount of \u20ac1,950,000 at a fixed rate, which will be secured by a first mortgage guarantee<\/strong>.<\/p>\n\n\n\n<p>To date, the developer has contributed its own funds amounting to <strong>\u20ac1,073,402.37<\/strong> (35.50%), which have been used for the acquisition of the land, technical and legal expenses and fees, and it is estimated that the <strong>repayment of the loan<\/strong> to the wecity investors will take place with the sale and delivery of the property to the end buyer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_00-1024x606.png\" alt=\"\" class=\"wp-image-16795\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_00-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_00-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_00-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_00.png 1287w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_01-2-1024x606.png\" alt=\"\" class=\"wp-image-16800\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_01-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_01-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_01-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_01-2.png 1287w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_03-1024x606.png\" alt=\"\" class=\"wp-image-16791\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_03-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_03-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_03-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Marbella-Villa-Limon_03.png 1287w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Location and environment<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d551.9423140055203!2d-5.006335064376434!3d36.4703387853225!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd732a4fbafa6f0d%3A0xf717c8218d0cb5df!2sC.%20Menchu%20Escobar%2C%202%2C%2029670%20Marbella%2C%20M%C3%A1laga!5e1!3m2!1ses!2ses!4v1729520359058!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p>The <strong>Guadalmina<\/strong> area in Marbella is one of the most exclusive and sought after areas of the Costa del Sol, ideal for those looking for luxury properties and tranquility. Located next to prestigious golf courses such as the Real Club de Golf Guadalmina, this area offers a high-end residential environment, surrounded by nature and with close access to quality services.<\/p>\n\n\n\n<p>In addition, Guadalmina enjoys excellent connections to the center of Marbella and Puerto Ban\u00fas, famous for its social life, luxury boutiques and first class restaurants. The combination of exclusivity, natural surroundings and proximity to services makes Guadalmina an excellent option for both living and investment properties with high profitability potential.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral and appraisal<\/h2>\n\n\n\n<p>The loan will be secured by a<sup>1st<\/sup> degree mortgage on the asset located at 62c Menchu Escobar Street, Guadalmina Baja, Marbella.<\/p>\n\n\n\n<p>According to the appraisal report made by <strong>VALUM<\/strong>, the current appraisal amounts to \u20ac 2,826,097.98 and the HET appraisal amounts to \u20ac 4,155,705.57. The loan to be made to the developer is 1.950.000 \u20ac, which means a Loan to Value (LTV) on current appraisal of 69%, a Loan to Value (LTV) on Completed Building Assumption (HET) of 47% and a Loan to Value (LTV) on first disposition of 62%.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\n\n\n\n<p>The constitution, preservation, management, administration and, if applicable, enforcement of the real estate mortgage rights on behalf of wecity investors will be carried out by an external entity to wecity.<\/p>\n\n\n\n<p><em>The Collateral Agent chosen for this project is<strong> Ceiba Global Alternative Investments SL<\/strong>, a company dedicated to the provision of fiduciary services by contract or mandate\u201d.<\/em><\/p>\n\n\n\n<p>Ceiba Global is a company owned by Ceiba Legal SL, a law firm specialized in alternative financing that provides services to several investment vehicles.<\/p>\n\n\n\n<p>In 2023, Ceiba Legal provided legal advisory services amounting to \u20ac150,000,000, formalizing and structuring more than \u20ac60,000,000 in alternative financing transactions.<\/p>\n\n\n\n<p>At present, it is one of the most recognized firms in the Spanish market in the structuring of secured debt transactions.<\/p>\n\n\n\n<p>Additionally, Ceiba provides legal advice to wecity throughout the life of the loan, from structuring to foreclosure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Rating<\/h2>\n\n\n\n<p>wecity, as a provider of crowdfunding services and in compliance with Delegated Regulation (EU) 2024\/358 supplementing Regulation (EU) 2020\/1503 of the European Parliament and of the Council, provides a <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">description of the method of credit rating<\/a><br>of the projects used to calculate the ratings. If the calculation is based on accounts that have not been audited, this shall be clearly stated in the description of the method.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Monitoring<\/h2>\n\n\n\n<p>The promoter must justify the use of the funds in each of the applications. The use of the funds by the promoter will be monitored by a company external to wecity.<\/p>\n\n\n\n<p style=\"font-size:24px\"><\/p>\n","protected":false},"featured_media":16775,"template":"","class_list":["post-16815","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/16815","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades"}],"about":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/types\/oportunidades"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media\/16775"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=16815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}