{"id":23168,"date":"2025-12-22T13:07:47","date_gmt":"2025-12-22T12:07:47","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-san-pedro-del-pinatar-ii\/"},"modified":"2025-12-23T10:23:07","modified_gmt":"2025-12-23T09:23:07","slug":"murcia-san-pedro-del-pinatar-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/murcia-san-pedro-del-pinatar-ii\/","title":{"rendered":"Murcia San Pedro del Pinatar 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, 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 construction work.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage.<\/li>\n\n\n\n<li><strong>Term:<\/strong> 10 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>Estimated total return:<\/strong> 8.75%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current appraisal (ECO):<\/strong> 6,972,218.79 \u20ac<strong> <strong>|<\/strong> LTV:<\/strong> 57.37%<\/li>\n\n\n\n<li><strong>HET appraisal (ECO):<\/strong> 16,799,119 \u20ac <strong>| LTV HET: <\/strong>23.81%<\/li>\n\n\n\n<li><strong>LTV 1st Disposition:<\/strong> 63.20%  <\/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>Purchasers&#8217; contribution:<\/strong> 2,709,975 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan<\/strong> (phase II): 2,000,000 \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 developer <strong>Orbesol Luxury Homes SL is requesting through wecity<\/strong> the activation of phase II of the &#8220;Murcia &#8211; San Pedro del Pinatar&#8221; opportunity, which consists of financing the construction costs of a development in San Pedro del Pinatar (Murcia). In the first phase, the funds were used for the construction work and cancellation of a mortgage debt on the asset, and in this second phase, the funds will be used for the construction work. <\/p>\n\n\n\n<p>The land has a total area of 4,500m<sup>2<\/sup> and a buildable area of 7,012m<sup>2<\/sup> where a development of 57 homes distributed in 9 blocks with swimming pool and common areas will be developed. The developer has the <strong>building permit granted<\/strong>, and the works are currently at <strong>41.37% completion<\/strong>. At the commercial level, the developer has sold <strong>46<\/strong> of 57 homes<strong>(80.7%<\/strong>), and the average selling price of the homes is \u20ac274,000 (\u20ac2,<sup>227\/m2<\/sup>).<\/p>\n\n\n\n<p>The total amount of the loan is <strong>\u20ac4,000,000 in 2 phases<\/strong>. On this occasion, we are going to finance <strong>Phase II of the loan in the amount of \u20ac2,000,000<\/strong>, which will be used for the construction work. The operation will be secured by a <strong>first mortgage guarantee on the asset.<\/strong>  <\/p>\n\n\n\n<p>The remaining <strong>project funds<\/strong> come from the <strong>purchasers in the amount of \u20ac2,709,975<\/strong>. These funds are secured by <strong>surety insurance<\/strong>, so they are insured and to all intents and purposes are project funds. Of this amount, \u20ac2,100,000 has already been invested in the project.  <\/p>\n\n\n\n<p><strong>The repayment of the loan to wecity investors is expected to be made from the sales of the homes.<\/strong><\/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 10.50% for an estimated term of 10 months<\/strong> (6 months mandatory) with the possibility of extending for an additional 3 months<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 is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar_p-1-1024x606.jpg\" alt=\"\" class=\"wp-image-21300\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar_p-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar_p-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar_p-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar_p-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar_p-1.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1024x606.jpg\" alt=\"\" class=\"wp-image-21296\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1-1-1024x606.jpg\" alt=\"\" class=\"wp-image-21292\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-1-1.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-3-1024x606.jpg\" alt=\"\" class=\"wp-image-21287\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-3-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-3-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-3-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-3-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/10\/wecity_imag_inversion_Murcia-San-Pedro-del-Pinatar-3.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\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!1d3151.211729922206!2d-0.8017944090536522!3d37.83192883660494!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd630e4945f14353%3A0x9516a3b784768b15!2sAv.%20Dr.%20Artero%20Guirao%2C%20222%2C%2030740%20San%20Pedro%20del%20Pinatar%2C%20Murcia!5e0!3m2!1ses!2ses!4v1760094302339!5m2!1ses!2ses\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p><strong>San Pedro del Pinatar<\/strong>, located on the Costa C\u00e1lida of Murcia, is an enclave that combines nature, wellbeing and quality of life. Bathed by the Mediterranean Sea and the Mar Menor, and next to the Natural Park of the Salinas, it offers an environment of great ecological and touristic value, with beaches, local gastronomy and an outstanding marina. <\/p>\n\n\n\n<p>In this privileged environment is located <strong><strong>San Pedro del Pinatar<\/strong><\/strong>A residential development surrounded by all essential services -shops, restaurants, health and leisure- is located in this privileged environment. Its excellent connection to highways, ports and airports guarantees comfort and accessibility, making it an attractive option for both permanent residence and investment. <\/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, located at Av. Dr. Artero Guirao, 222 (San Pedro del Pinatar, Murcia). <\/p>\n\n\n\n<p>According to the appraisal report made by <strong><strong>APPRAISAL COMPANY<\/strong><\/strong>the Current Appraisal amounts to \u20ac 6,972,218.79 and the Appraisal in Hypothetical Completed Building (HET) to \u20ac 16,799,119. The loan to be made to the developer in this second phase is 2,000,000.00 \u20ac, this means a Loan to Value (LTV) on current appraisal of 57.37%<strong>,<\/strong> a Loan to Value (LTV) HET of 23.81% and a Loan to Value (LTV) on first disposition of 63.20%. <\/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<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\n\n\n<p><\/p>\n","protected":false},"featured_media":21301,"template":"","class_list":["post-23168","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/23168","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\/21301"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=23168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}