{"id":25975,"date":"2026-05-20T10:37:19","date_gmt":"2026-05-20T08:37:19","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/marbella-el-rosario\/"},"modified":"2026-05-25T10:46:23","modified_gmt":"2026-05-25T08:46:23","slug":"marbella-el-rosario","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/marbella-el-rosario\/","title":{"rendered":"Marbella El Rosario"},"content":{"rendered":"\n<p><strong>wecity<\/strong> 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 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> 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>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> 1,614,024.30 \u20ac<strong> LTV: <\/strong>52.66%<\/li>\n\n\n\n<li><strong>HET appraisal (ECO):<\/strong> 2,847,541 \u20ac<strong> LTV:<\/strong> 47.40%<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">A<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>Developer&#8217;s contribution:<\/strong> 757,503 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> 850,000 \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>Exxo Europa SL<\/strong><strong>,<\/strong><strong>requests financing through wecity<\/strong> for the acquisition and subsequent construction of a luxury home at Calle Algarrobos los, 487, El Rosario, Malaga.<\/p>\n\n\n\n<p>The floor area is 1,300<sup>m2<\/sup>, and the buildable area is 344.83<sup>m2.<\/sup> The house will have 5 bedrooms and 5 bathrooms, gym, swimming pool and two porches. The developer has processed the <strong>building permit<\/strong> by means of a responsible declaration. The work is <strong>54.71%<\/strong> complete. The developer will start marketing the property once the work is more advanced.    <\/p>\n\n\n\n<p>The total amount of the loan amounts to <strong>1.350.000 \u20ac in 2 phases that will have a first degree mortgage guarantee<\/strong>.<strong> <\/strong>In this opportunity, we are going to finance <strong>Phase I of the loan in the amount of 850.000 \u20ac<\/strong>, which will have an annual interest rate of <strong>11% and an ordinary term of 12 months + 6 of possible extension <\/strong>that will be destined to the acquisition.<\/p>\n\n\n\n<p><strong>757,503.00 <\/strong>, of which <strong>468,057.80<\/strong> for part of the acquisition and <strong>288,986.20<\/strong> for the start of construction.  <\/p>\n\n\n\n<p>The <strong>repayment of the loan<\/strong> to <strong>wecity<\/strong> &#8216;s investors is expected to be made upon the sale of the property.<\/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\">AInvest<\/h2>\n\n\n\n<p>AInvest is not applicable at this time.  <\/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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1024x606.png\" alt=\"\" class=\"wp-image-25856\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario.png 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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-1024x606.png\" alt=\"\" class=\"wp-image-25861\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1.png 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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-1024x606.png\" alt=\"\" class=\"wp-image-25866\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2.png 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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-1024x606.png\" alt=\"\" class=\"wp-image-25871\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3.png 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=!1m18!1m12!1m3!1d801.6595668950406!2d-4.803423535346604!3d36.51459311204011!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd72df564bd3c24d%3A0xe9f3dd2ff96fea1c!2sC.%20Algarrobos%20los%2C%20487%2C%2029604%20El%20Rosario%2C%20M%C3%A1laga!5e0!3m2!1ses!2ses!4v1779266766886!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p>The area of Los Algarrobos, in <strong>Marbella<\/strong>, is a residential location highly demanded for its tranquility, privacy and proximity to some of the best services of the <strong>Costa del Sol.<\/strong> It stands out for its well-kept environment, high standard homes and good connection to the center of Marbella and Puerto Banus, which makes it an excellent choice for both permanent residence and real estate investment. <\/p>\n\n\n\n<p>Nearby attractions include Puerto Ban\u00fas, Real Club de Golf Las Brisas, Aloha Golf Club and the beaches of Nueva Andaluc\u00eda and Marbella.<\/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 C. Algarrobos los, 487, <strong>M\u00e1laga<\/strong>.<\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>uve valoraciones,<\/strong> the Actual Appraisal (ECO) amounts to \u20ac1,614,024.30 and the Hypothetical Appraisal of Completed Building (HET) amounts to \u20ac2,847,541. The loan to be made to the developer is 850,000 \u20ac, this means a Loan to Value (LTV) of 52.66% and a Loan to Value (LTV) HET of 47.40%. <\/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 <strong>wecity<\/strong>.<\/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><strong>wecity<\/strong>, 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 <strong>wecity<\/strong>.   <\/p>\n","protected":false},"featured_media":25851,"template":"","class_list":["post-25975","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/25975","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\/25851"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=25975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}