{"id":19559,"date":"2025-06-12T16:47:33","date_gmt":"2025-06-12T14:47:33","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/huelva-la-florida\/"},"modified":"2025-06-18T11:28:25","modified_gmt":"2025-06-18T09:28:25","slug":"huelva-la-florida","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/huelva-la-florida\/","title":{"rendered":"Huelva-La Florida"},"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>\u201cIn 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.\u201d <\/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> Acquisition.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage<\/li>\n\n\n\n<li><strong>Term:<\/strong> 12 months (+6 months possible extension)<\/li>\n\n\n\n<li><strong>Mandatory compliance: <\/strong>3 months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 12.25% p.a.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 12.25%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity<\/li>\n\n\n\n<li><strong>ECO appraisal <\/strong>(current)<strong>:<\/strong> 1,420,399.63 \u20ac | <strong>Current LTV:<\/strong> 54.56%<\/li>\n\n\n\n<li><strong>1st drawdown: <\/strong>775,000.00 \u20ac | LTV 1st drawdown:<strong> <\/strong>54.56%<\/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><ul><li><strong>Cooperative:<\/strong> 440,983.51 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan<\/strong>: 775,000.00 \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 (during the first 30 min.)<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The promoter  <strong>JARANDAS S. COOP. MAD, <\/strong>  through the management company <strong>SPC Serprocol Inmobiliaria,<\/strong> is requesting financing in wecity for the acquisition of a consolidated urban land for multi-family residential use in La Florida, <strong>Huelva<\/strong>, where a development of <strong>54 homes<\/strong> will be developed.<\/p>\n\n\n\n<p>The surface of the land amounts to 1,111 m\u00b2, with a buildable area of 5,352 m\u00b2. The current appraised value (ECO) is 1.420.399,63 \u20ac, according to the current report dated 05\/06\/2025. <\/p>\n\n\n\n<p>775,000, which will be secured by a first-ranking mortgage, for a term of 12 months (plus a possible optional 3-month extension), at an interest rate of 12.25% fixed per annum for the purchase of the land.  <\/p>\n\n\n\n<p>To date, the cooperative members will contribute <strong>440,983.51 \u20ac <\/strong>at the time of purchase, representing 36.27% of the total purchase price of the land, which together with the amount of the wecity loan will total 1,119,250 \u20ac including VAT for the purchase,  <\/p>\n\n\n\n<p>The cooperative already has 14 membership contracts and one reservation contract, representing 27.78% of reserved housing.<\/p>\n\n\n\n<p>The repayment of the wecity loan will be made with contributions from current and future buyers with approximately 60% of the development sold.<\/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 12.25% for an estimated term of 12 months<\/strong> (6 months mandatory) with the possibility of extending for an additional 3 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-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-1-1024x606.jpg\" alt=\"\" class=\"wp-image-19481\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-1.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-2-1-1024x606.jpg\" alt=\"\" class=\"wp-image-19542\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-2-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-2-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-2-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-2-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-2-1.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-3-1-1024x606.jpg\" alt=\"\" class=\"wp-image-19546\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-3-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-3-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-3-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-3-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-3-1.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-4-1024x606.jpg\" alt=\"\" class=\"wp-image-19550\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-4-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-4-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-4-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-4-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Huelva-La-Florida-4.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/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=!1m14!1m12!1m3!1d917.8250313430391!2d-6.9304275473328865!3d37.26460166073527!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!5e0!3m2!1ses!2ses!4v1749739964545!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p><strong>Huelva Capital is emerging as one of the Andalusian cities with the greatest potential for urban development and real estate revaluation.<\/strong> In recent years, projects such as the <strong>Ensanche Sur,<\/strong> the rehabilitation of the <strong>Muelle de Levante<\/strong> area and new residential areas such as <strong>La Florida<\/strong> have placed the city in the sights of developers and buyers. These initiatives are aimed at improving urban quality, enhancing sustainability and attracting new residents. <\/p>\n\n\n\n<p>From the real estate point of view, Huelva offers a market that is still accessible, with prices below the national average and interesting revaluation margins. The combination of available land, urban regeneration plans and the improvement of infrastructures -such as the boost to the railway connection with Seville and the future AVE high-speed train line- makes Huelva an attractive opportunity both for primary residences and for rental or resale investments. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral<\/h2>\n\n\n\n<p>The loan will be secured by a<sup>1st<\/sup> degree mortgage on the asset and the building, located in La Florida (Huelva).<\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>Gesvalt<\/strong>, the current appraisal amounts to \u20ac 1,420,399.63. The loan to be made to the developer is 775,000 \u20ac, which means a Loan to Value (LTV) on current appraisal of 54.56%, and a Loan to Value (LTV) on first drawdown of 54.56%. <br><\/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 loan agreement.  <\/p>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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\" style=\"font-size:24px\">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","protected":false},"featured_media":19476,"template":"","class_list":["post-19559","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/19559","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\/19476"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=19559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}