{"id":21825,"date":"2025-11-18T10:28:52","date_gmt":"2025-11-18T09:28:52","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-santa-rosalia-resort\/"},"modified":"2025-11-20T12:34:42","modified_gmt":"2025-11-20T11:34:42","slug":"murcia-santa-rosalia-resort","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/murcia-santa-rosalia-resort\/","title":{"rendered":"Murcia-Santa Rosalia Resort"},"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, we hereby inform you that <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, managers and employees of wecity<\/a> may invest in this opportunity. These investments will be made on the same terms 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 (+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> 4,108,074.36 \u20ac <strong> Current loan LTV: <\/strong>31.64%<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">AAA<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>Promoter:<\/strong> 550,957.32 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Purchasers&#8217; contribution<\/strong>: 1,762,951.64 \u20ac<\/li>\n\n\n\n<li><strong>wecity loan:<\/strong> 1.300.000,00 \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> 1.000\u20ac during the first half hour.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>Orbesol Grupo Inmobiliario SL<\/strong> is requesting financing through wecity for the acquisition of a plot of land located in the <strong>Santa Rosal\u00eda Lake<\/strong> urbanization <strong>, Torre Pacheco, in Murcia.<\/strong><\/p>\n\n\n\n<p>Assets are <strong><strong>3.667,31 m<sup>2<\/sup><\/strong><\/strong> where a development of 28 homes will be developed, which will have a garden, swimming pool, terrace, garage and storage rooms. At the commercial level, the developer has sold 25 of the 28 homes, which have an approximate price of 315,000 \u20ac.<\/p>\n\n\n\n<p>At the urban planning level, despite the fact that the developer does not own the asset, the seller allowed him to apply for the license and start the works, so the project already <strong>has a building permit<\/strong> and <strong>the works are at 38.73%<\/strong>.<\/p>\n\n\n\n<p>The project will be financed through a <strong>\u20ac1,300,000<\/strong> fixed-rate <strong>mortgage loan<\/strong> that will be <strong>secured by a first mortgage guarantee<\/strong>. The term of the loan will be 12 months (+3 months of possible extension). <\/p>\n\n\n\n<p><strong>The developer has contributed its own funds in the amount of \u20ac550,957.32<\/strong> to date, which have been used for the initial payment of the land, and the buyers have contributed \u20ac1,762,951.64 to date, which have been used for the progress of the work. The remainder of the work will be completed with amounts paid on account by the buyers. <\/p>\n\n\n\n<p>The <strong>repayment of the loan <\/strong>to<strong> <\/strong>wecity investors is foreseen with the installments on account of the buyers.<\/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_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\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\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\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\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!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=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p><strong>Torre Pacheco, Murcia.<\/strong>  Avenida M\u00e9dico Tom\u00e1s Fern\u00e1ndez 1.<\/p>\n\n\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\n\n<p>Just <strong>7 minutes<\/strong> drive from <strong>Los Alcazares<\/strong>, a picturesque town 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\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 Avenida M\u00e9dico Tom\u00e1s Fern\u00e1ndez 1, Torre Pacheco (Murcia).<br><br>According to the appraisal report prepared by  <strong> <\/strong>ATValor Group, the current appraisal amounts to <strong>\u20ac4,108,074.36.<\/strong> This means a Loan to Value (LTV) over the current appraisal of <strong>31.64%.<\/strong> <\/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":21812,"template":"","class_list":["post-21825","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/21825","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\/21812"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=21825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}