{"id":24643,"date":"2026-03-24T13:38:54","date_gmt":"2026-03-24T12:38:54","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/malaga-benalmadena\/"},"modified":"2026-03-26T10:09:16","modified_gmt":"2026-03-26T09:09:16","slug":"malaga-benalmadena","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/malaga-benalmadena\/","title":{"rendered":"M\u00e1laga Benalm\u00e1dena"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><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> 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 (+3 months extension possible)<\/li>\n\n\n\n<li><strong>Required compliance: <\/strong>6 months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 11 % p.a.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 11<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current appraisal (ECO):<\/strong> 4.055.009,84 \u20ac<strong> LTV: <\/strong>68,43 %<\/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>Aportaciones:<\/strong><ul><li><strong>Aportaci\u00f3n promotor:<\/strong> 1.450.000 \u20ac&nbsp;<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> 2.775.000 \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 class=\"wp-block-paragraph\">The developer <strong>ABIT XVI S.L<\/strong>, a company managed by <strong>FENEXT DEVELOPMENT S.L <\/strong>is requesting financing through <strong>wecity<\/strong> for the acquisition of three plots of land located at Camino del Amocafre, 36, Benalm\u00e1dena (M\u00e1laga).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The plots have a combined area of 15,697<sup>m2<\/sup> and have a Basic Project for the development of 18 4-bedroom detached villas with more than 254 m\u00b2 interior (450 m\u00b2 built) on plots of 800 m\u00b2 with swimming pools and private garden. Marketing will begin once the plots have been acquired. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the urban planning level, it is an unconsolidated urban land (it is exclusively part of the UE-71 bis), which requires a Detailed Study (already submitted) and the execution of a road in order to acquire the status of a finalist plot. On the other hand, the building permit has also been requested in November 2025, processing both files simultaneously. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The total amount of the <strong>loan<\/strong> is <strong>2,775,000 \u20ac <\/strong>, it will be secured by a <strong>first degree mortgage<sup> <\/sup><\/strong>on the assets and will have a <strong>duration of 12 months<\/strong> (+ 3 months of possible extension), the loan will be entirely destined to the acquisition of the plots of land.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong> 1,450,000<\/strong><strong> <\/strong>at the time of signing, of which \u20ac1,382,642.30 has been or will be used for <strong>the<\/strong> acquisition of the asset and the rest for technical expenses and license applications.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>exit<\/strong> of <strong>wecity<\/strong> investors is foreseen with the entry of the developer loan, either from a bank or another fund, and with the down payments made by the buyers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In this opportunity, AInvest is applied.  <\/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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-1024x606.png\" alt=\"\" class=\"wp-image-24626\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-3-1024x606.png\" alt=\"\" class=\"wp-image-24621\" style=\"aspect-ratio:1.6889885861318203;width:1025px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-3.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-2-1024x606.png\" alt=\"\" class=\"wp-image-24616\" style=\"aspect-ratio:1.6889885861318203;width:1025px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benalmadena-2.png 1716w\" sizes=\"auto, (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=!1m18!1m12!1m3!1d3203.2917320427186!2d-4.571370524757171!3d36.59528227230622!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd72e34e6735b0af%3A0x45e9bb6b1cdefc28!2sCam.%20del%20Amocafre%2C%2036%2C%2029639%20Benalm%C3%A1dena%2C%20M%C3%A1laga!5e0!3m2!1ses!2ses!4v1774362898727!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\">Located in <strong>Benalm\u00e1dena<\/strong>, in the area of Camino del Amocafre, this is a quiet residential area with predominantly single-family homes and low density housing developments. It offers good connections to the A-7 and the suburban highway in <strong>Torremuelle<\/strong>, as well as proximity to both the sea and <strong>Benalm\u00e1dena Pueblo<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the nearby surroundings include the beaches of Torremuelle, <strong>Puerto Marina Benalm\u00e1dena<\/strong>, and leisure areas such as the <strong>Parque de la Paloma<\/strong> or the <strong>Mariposario de Benalm\u00e1dena<\/strong>. Area with nearby services and good residential and tourist demand. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The loan will be secured by a<sup>1st<\/sup> degree mortgage on the asset, located at Camino del Amocafre 36, Benalm\u00e1dena (M\u00e1laga).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by <strong><strong><strong><strong><strong>Sociedad de Tasaciones<\/strong><\/strong><\/strong><\/strong><\/strong>the current appraisal amounts to 4.055.009,84 \u20ac. The loan to be made to the developer is 2.775.000 \u20ac, this means a Loan to Value (LTV) of 68,43 %. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":24607,"template":"","class_list":["post-24643","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/24643","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\/24607"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=24643"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}