{"id":18735,"date":"2025-04-01T16:14:24","date_gmt":"2025-04-01T14:14:24","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-santa-rosalia-lake\/"},"modified":"2025-04-04T12:12:12","modified_gmt":"2025-04-04T10:12:12","slug":"murcia-santa-rosalia-lake","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/murcia-santa-rosalia-lake\/","title":{"rendered":"Murcia-Santa Rosalia Lake"},"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<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<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<h2 class=\"wp-block-heading\">The investment<\/h2>\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<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Purpose of the loan:<\/strong> To finance acquisition and construction costs.<\/li>\n\n\n\n<li><strong>Type: <\/strong>Fixed-rate loan.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong> 1st degree mortgage collateral.<\/li>\n\n\n\n<li><strong>Term:<\/strong> 12 months (+3 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> 10.50% per annum.<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current appraisal <strong>(ECO)<\/strong>:<\/strong> 2,598,514.63 \u20ac <strong>| Current loan LTV: <\/strong>76.97% <strong>| LTV<\/strong> <strong>1st Drawdown<\/strong>: 46.46% <strong>| Current loan <\/strong> <strong> LTV<\/strong> <strong>: <\/strong>76.97% <strong>| LTV<\/strong> <strong>1st Drawdown<\/strong>: 46.46% <strong>| Current loan <\/strong> <strong> LTV<\/strong> <strong>: <\/strong>76.97% <strong>| LTV<\/strong> <strong>1st Drawdown<\/strong>: 46.46<\/li>\n\n\n\n<li><strong>HET appraisal <strong>(ECO)<\/strong>:<\/strong> 9,098,728.51 \u20ac <strong>| LTV HET: <\/strong>31.13%.<\/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><ul><li><strong>Promoter:<\/strong> 1.581.865,01 \u20ac.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan<\/strong>: 2.000.000,00 \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.<\/li>\n<\/ul>\n<\/div><\/div>\n\n<p>The developer <strong>Orbesol Grupo Inmobiliario SL<\/strong> is requesting financing through wecity to finance the acquisition and construction costs of a plot of land where a development of 28 homes will be built, in 4 blocks of 7 homes each; located in the <strong>Santa Rosal\u00eda Lake<\/strong> urbanization <strong>, in Murcia<\/strong>.<\/p>\n\n<p>Assets are <strong>3,881m<\/strong><strong><sup>2<\/sup><\/strong> where the development will be developed, which will have a garden, swimming pool, terrace, garage and storage rooms.<\/p>\n\n<p>The developer has a<strong> building permit granted on September 11, 2024.<\/strong><\/p>\n\n<p>The project will be financed through a <strong>\u20ac3,500,000 fixed-rate<\/strong> mortgage loan, <strong>which will be secured by a first mortgage guarantee.<\/strong> For this first phase, we will finance<strong> \u20ac2,000,000<\/strong>, which will go towards the acquisition of the site and part of the construction costs, with a duration of 12 months and 3 months of possible extension.<\/p>\n\n<p>The <strong>developer&#8217;s<\/strong> total <strong>equity<\/strong> contribution <strong>will amount to \u20ac1,581,865.01<\/strong>, earmarked for the acquisition of the asset and the progress of the work. The project is <strong>currently 7.68%<\/strong> complete. <\/p>\n\n<p>The <strong>repayment of the loan <\/strong>to<strong> <\/strong>wecity investors is expected to be made with the sale of the development.<\/p>\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-scaled.jpg\" alt=\"\" class=\"wp-image-18668\" style=\"width:808px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-scaled.jpg\" alt=\"\" class=\"wp-image-18672\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-scaled.jpg\" alt=\"\" class=\"wp-image-18676\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-scaled.jpg\" alt=\"\" class=\"wp-image-18680\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Location and surroundings<\/h2>\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d4153.406858252955!2d-0.8947791088581819!3d37.74055756667289!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd63134745e67d77%3A0x68e916cbb719c41f!2s30710%20Torre-Pacheco%2C%20Murcia!5e1!3m2!1ses!2ses!4v1743517458339!5m2!1ses!2ses\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n<p><strong>Torre Pacheco, Murcia.<\/strong>  Avenida M\u00e9dico Tom\u00e1s Fern\u00e1ndez 1.<\/p>\n\n<p>The promotion has an excellent location in the new development of <strong>Santa Rosalia Lake<\/strong>, one of the best residential areas of Murcia, surrounded by multiple services and with excellent connections.  <\/p>\n\n<p>Just <strong>7 minutes<\/strong> drive from <strong>Los Alcazares<\/strong>, a picturesque village on the shores of the <strong>Mar Menor<\/strong> known for its miles of golden sandy beaches and shallow waters, ideal for families and water sports enthusiasts.<\/p>\n\n<h2 class=\"wp-block-heading\">Collateral and appraisal<\/h2>\n\n<p>The loan will be secured by a<sup>1st<\/sup> degree mortgage on the asset located at Avenida M\u00e9dico Tom\u00e1s Fern\u00e1ndez 1, Torre Pacheco (Murcia).<\/p>\n\n<p>According to the appraisal report prepared by <strong>TASACIONES HIPOTECARIAS S.A.U.<\/strong>, the Current Appraisal amounts to \u20ac 2,598,514.63 and the Appraisal in Hypothetical Completed Building (HET) amounts to \u20ac 9,098,728.51. The loan to be made to the developer in this first phase is <span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, \" segoe=\"\" ui=\"\" roboto=\"\" oxygen-sans=\"\" ubuntu=\"\" cantarell=\"\" neue=\"\" sans-serif=\"\">\u20ac 2,000,000.00<\/span>, which means a Loan to Value (LTV) over the current appraisal of 76.97%. The total loan is \u20ac3,500,000.00, which means a Loan to Value (LTV) HET of 38.47%.  <\/p>\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\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<p>In this case, the designated Collateral Agent will be the one indicated in the Fundamental Data Sheet of the investment.<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Rating<\/h2>\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 project credit rating method<\/a> 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<h2 class=\"wp-block-heading\">Monitoring<\/h2>\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<p><\/p>\n","protected":false},"featured_media":18689,"template":"","class_list":["post-18735","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/18735","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\/18689"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=18735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}