{"id":18851,"date":"2025-04-09T19:06:22","date_gmt":"2025-04-09T17:06:22","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/marbella-golden-mile\/"},"modified":"2025-05-16T09:52:30","modified_gmt":"2025-05-16T07:52:30","slug":"marbella-golden-mile","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/marbella-golden-mile\/","title":{"rendered":"Marbella-Milla de Oro"},"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> To finance acquisition 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 (+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> 12% 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> 9 plots):<\/strong> 20,174,061.80 \u20ac <strong>| Current loan LTV: <\/strong>24.78%.  <\/li>\n\n\n\n<li><strong>Purchase price <strong>(9 plots)<\/strong>:<\/strong> 8.626.987,82 \u20ac (VAT included) <strong>: LTC: <\/strong> 57,96%.<\/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> 4,284,474.5 \u20ac.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan<\/strong>: 5.000.000 \u20ac.  <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> 500 \u20ac.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>developer MCTYE S.L.<\/strong> is requesting financing through wecity to finance the acquisition of 9 plots that are currently under construction, in the Villa Parra Palomeras Urbanization, in the<strong> Golden Mile of Marbella<\/strong>. <\/p>\n\n\n\n<p>The developer requests a loan of \u20ac5,000,000 to finance part of the acquisition of the asset in a single drawdown.  <\/p>\n\n\n\n<p>The project consists of the acquisition of the plots of land and the execution of an adaptation work for the future development of the land.  <strong>The project has a building permit.<\/strong> <\/p>\n\n\n\n<p>The project will be financed through a mortgage <strong>loan for the amount of \u20ac5,000,000<\/strong> at a fixed rate, with a <strong>guarantee of<\/strong> <strong>first degree mortgage<\/strong> and also has an <strong>additional guarantee<\/strong> of the pledging of 50% of the VAT that the AEAT (Spanish Tax Agency) will return to the developer.<\/p>\n\n\n\n<p>The <strong>developer will contribute \u20ac4,284,474.50<\/strong> <strong>of its own funds<\/strong> to cover the remaining part of the expenses associated with the acquisition of the land.<\/p>\n\n\n\n<p>The <strong>repayment of the loan <\/strong>to the wecity investors is expected to be made with the entry of bank financing or with the sale of the plots of land.<\/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 12% for an estimated term of 12 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\">The project<\/h2>\n\n\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_Marbella-Milla-de-Oro-1-scaled.jpg\" alt=\"\" class=\"wp-image-18807\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-1-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-1-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\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_Marbella-Milla-de-Oro-2-scaled.jpg\" alt=\"\" class=\"wp-image-18811\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-2-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-2-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\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_Marbella-Milla-de-Oro-3-1-scaled.jpg\" alt=\"\" class=\"wp-image-18799\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-3-1-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-3-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-3-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-3-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-3-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Marbella-Milla-de-Oro-3-1-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\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-5-scaled.jpg\" alt=\"\" class=\"wp-image-18803\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-5-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-5-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-5-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-5-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-5-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-5-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/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!1d6414.387081739387!2d-4.93832980521598!3d36.501189931335254!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd7329d373641f37%3A0xdc11a0e018f5cbd0!2sUrbanizacion%20Villa%20Parra%20Palomeras%2C%201%2C%2029602%20Marbella%2C%20M%C3%A1laga!5e0!3m2!1ses!2ses!4v1744273989470!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p>Close to Villa Parra Palomeras, you will find several points of interest. Exclusive Puerto Ban\u00fas, with its upscale shopping and vibrant nightlife, is just a few minutes&#8217; drive away, while Nag\u00fceles Beach offers a tranquil place to enjoy the sea. You can also explore Marbella&#8217;s old town, with its charming streets and traditional restaurants, or relax in the Quinta Botanical Gardens, a natural space perfect for walks.  <\/p>\n\n\n\n<p>In addition, golf lovers can enjoy nearby courses such as the Real Club de Golf de Marbella, while the more adventurous can explore the Sierra de las Nieves Natural Park. With these attractions, the area combines luxury, nature and culture, making it an ideal place to live or visit. <\/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 in Residencial Villa Parra 1, Marbella (M\u00e1laga). It also has an <strong>additional guarantee<\/strong> of 50% of the VAT, which the Spanish Tax Agency (AEAT) will refund to the developer.<\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>VALUM<\/strong>, the current appraisal of the nine plots to be mortgaged amounts to \u20ac20,174,061.80. The loan to be made to the developer is \u20ac 5,000,000, which means a Loan to Value (LTV) on the current appraisal of 24.78%. The purchase price of the 9 plots is \u20ac8,626,987.82, with an LTV of 57.96%.    <\/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 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\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><\/p>\n","protected":false},"featured_media":19159,"template":"","class_list":["post-18851","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/18851","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\/19159"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=18851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}