{"id":18274,"date":"2025-03-04T09:34:41","date_gmt":"2025-03-04T08:34:41","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/marbella-los-naranjos-ii\/"},"modified":"2025-03-13T13:35:08","modified_gmt":"2025-03-13T12:35:08","slug":"marbella-los-naranjos-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/marbella-los-naranjos-ii\/","title":{"rendered":"Marbella-Los Naranjos II"},"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\/\" target=\"_blank\" rel=\"noreferrer noopener\">basic information for the investor client<\/a>, as well as the <a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/#periodo_reflexi%C3%B3n\">pre-contractual cooling-off 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 October 7, 2020 on European providers of equity financing, it is hereby informed that in this opportunity <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, managers and employees of wecity<\/a> may invest. 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> Payment of construction costs for the development of a luxury villa located at 4, Calle Cefeo, Los Naranjos (Marbella).<\/li>\n\n\n\n<li><strong>Type: <\/strong>Fixed-rate loan.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st<\/sup> degree mortgage guarantee on the assets.<\/li>\n\n\n\n<li><strong>Term:<\/strong> 10 months (+6 months possible extension).<\/li>\n\n\n\n<li><strong>Required compliance: <\/strong>6 months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 11% 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> 1,212,512.12 \u20ac | <strong>Current LTV: <\/strong>98.97%.<\/li>\n\n\n\n<li><strong>ECO valuation <\/strong>(HET)<strong>:<\/strong> 3,207,894.86 \u20ac | <strong>LTV HET:<\/strong> 52.99%.<\/li>\n\n\n\n<li><strong>First drawdown: <\/strong>879,958.45 \u20ac | LTV 1st drawdown: 71.83% \u20ac 1,880,958.45<\/li>\n\n\n\n<li><strong>Rating: <\/strong><a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\" target=\"_blank\" rel=\"noreferrer noopener\">AA<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity<\/strong> <strong>Phase II<\/strong><strong>Loan<\/strong>: <strong> <\/strong>500,000 \u20ac.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> 500 \u20ac.<\/li>\n\n\n\n<li><strong>Maximum investment<\/strong>: 500 \u20ac during the first hour.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>Grupo Marein 73, S.L<\/strong>, requests through wecity the activation of phase II of the opportunity &#8220;Marbella-Los Naranjos&#8221; located at Calle de Cefeo, 4, Marbella. In this second phase, the funds will be destined to the payment of the construction costs.   <\/p>\n\n\n\n<p>It is a plot of land with an area of <strong>1,149 sqm.<\/strong><strong><sup>2<\/sup><\/strong><strong> <\/strong>on which a single-family house with a constructed area of 454.70<sup>m2 <\/sup> is being developed. The project has a building permit for the development of a 4-bedroom house with garage, swimming pool and large garden and leisure areas.   <\/p>\n\n\n\n<p>Currently, construction is at <strong>11.98% (+11.98% with respect to the beginning of the project) and<\/strong> is in the structural execution phase <strong>.<\/strong> For the time being, the sale of the property has not taken place. <\/p>\n\n\n\n<p>The project is being financed through a \u20ac1,700,000 fixed-rate mortgage loan, which will be secured by a first mortgage guarantee, with the activation of a second phase for an amount of <strong>\u20ac500,000<\/strong> (possibility of an additional phase of \u20ac500,000). With the activation of the second phase, the principal amount of the loan reaches \u20ac1,200,000. <\/p>\n\n\n\n<p><strong>647,538<\/strong> (48.05%), which has been used for land acquisition, technical and legal expenses and fees.<\/p>\n\n\n\n<p>It is estimated that the <strong>repayment of the loan<\/strong> to the wecity investors will occur with the sale and delivery of the home to the end buyer.  <\/p>\n\n\n\n<p>Through wecity you can participate in a <strong>fixed-rate loan<\/strong> operation with <strong>an annual interest rate of 11% for an estimated term of 10 months<\/strong> (6 months mandatory) with the possibility of extending for an additional 6 months at<strong> <\/strong>.<\/p>\n\n\n\n<p>The payment of interest plus the return of the invested capital will be made<strong> at maturity<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">The project<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1716\" height=\"1016\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_02.png\" alt=\"\" class=\"wp-image-18246\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_02.png 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_02-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_02-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_02-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_02-1536x909.png 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1716\" height=\"1016\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_03.png\" alt=\"\" class=\"wp-image-18254\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_03.png 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_03-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_03-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_03-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_03-1536x909.png 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1716\" height=\"1016\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_01-1.png\" alt=\"\" class=\"wp-image-18258\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_01-1.png 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_01-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_01-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_01-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Marbella-Los-Natanjos_01-1-1536x909.png 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Location and surroundings<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d731.7441292386435!2d-4.985303730414914!3d36.51237107615488!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd72d5fa4a449105%3A0x9850c1726fd9201c!2sUrb.%20N%20Andaluc%C3%ADa%207f%2C%20134%2C%20Nueva%20Andaluc%C3%ADa%2C%2029660%20Marbella%2C%20M%C3%A1laga!5e1!3m2!1ses!2ses!4v1728984281543!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 area of<strong> Los Naranjos<\/strong> in <strong>Marbella<\/strong> 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 near the <strong>Los Naranjos Golf<\/strong> course, this area offers a quiet residential environment, surrounded by nature and with quick access to first class services. <\/p>\n\n\n\n<p>In addition, Los Naranjos is well connected to the center of Marbella and the famous <strong>Puerto Banus<\/strong>, with a great social life, high-end stores and luxury restaurants. The combination of privacy, luxury and proximity to amenities makes this area an excellent choice for both living and real estate investment.   <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">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 4, Calle Cefeo, Los Naranjos (Marbella).<\/p>\n\n\n\n<p>According to the report prepared by <strong>SOCIEDAD DE TASACI\u00d3N<\/strong>, the current appraisal amounts to \u20ac1,212,512.12 and the HET appraisal amounts to \u20ac3,207,894.86. The loan to be made to the developer is 500,000 \u20ac, which means a Loan to Value (LTV) on current appraisal of 98.97%, a Loan to Value (LTV) on Completed Building Assumption (HET) of 52.99% and a Loan to Value (LTV) on first drawdown of 71.83%. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\n\n\n\n<p>The constitution, conservation, management, administration and, if applicable, enforcement of the pledge on behalf of wecity&#8217;s investors shall be carried out by an entity external to wecity.<\/p>\n\n\n\n<p>In this case, the designated Collateral Agent will be the one indicated in the Fundamental Data Sheet of the investment.<\/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 equity financing 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\/\" target=\"_blank\" rel=\"noreferrer noopener\">description of the credit rating method<\/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\n\n\n<p><\/p>\n","protected":false},"featured_media":18264,"template":"","class_list":["post-18274","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/18274","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\/18264"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=18274"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}