{"id":26446,"date":"2026-06-18T10:45:16","date_gmt":"2026-06-18T08:45:16","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-sta-rosalia-apartments\/"},"modified":"2026-06-19T10:23:04","modified_gmt":"2026-06-19T08:23:04","slug":"murcia-sta-rosalia-apartments","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/murcia-sta-rosalia-apartments\/","title":{"rendered":"Murcia Sta Rosalia Apartments"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><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 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> Loan repayment and construction work.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage.<\/li>\n\n\n\n<li><strong>Deadline:<\/strong> 9 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> 11 % p.a.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 8.25%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current ECO appraisal:<\/strong> \u20ac4,288,735.87 <strong>| LTV (Phase I):<\/strong> 23.31%<\/li>\n\n\n\n<li><strong>ECO HET Appraisal Value: <\/strong>\u20ac10 ,655,771.40 <strong>| LTV (HET): <\/strong>28.15 %<\/li>\n\n\n\n<li><strong>LTV (1st Provision):<\/strong> 20.85%<\/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>Developer&#8217;s contribution:<\/strong> 500,000.00 \u20ac<\/li><\/ul><\/li>\n\n\n\n<li><ul><li><strong>Buyers&#8217; contribution: 3 <\/strong>,358,158.12 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> 1.000.000,00 \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>Orbesol Grupo Inmobiliario<\/strong>, through the company <strong>Orbesol Luxury Homes S.L.<\/strong>, is requesting financing through <strong>wecity<\/strong> for the purchase of a lot located in the Santa Rosal\u00eda Lake residential development, Torre Pacheco,<strong> <\/strong>in<strong> Murcia<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The property is <strong>6,784 m<\/strong><strong><sup>2<\/sup><\/strong> where a tourism complex comprising 40 vacation apartments spread across 5 buildings will be developed. The complex will feature a garden, a swimming pool, a terrace, a garage, and storage units. Additionally, the complex will include a separate building housing a reception area, a caf\u00e9, and a gym. In <strong>terms of sales<\/strong>, the developer has sold <strong>30 of the 40 units (75%)<\/strong>, which are priced at approximately \u20ac293,000.    <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From an urban planning perspective, the developer owns the property, and the<strong> building permit has been granted<\/strong> (construction is <strong>27%<\/strong> complete, according to the appraisal).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The total amount of the loan is <strong>\u20ac3,000,000, to<\/strong> be <strong>disbursed in three phases<\/strong>. It will be <strong>secured by a first-lien mortgage<\/strong>, with a fixed annual interest rate of <strong>11% and <\/strong>a standard term<strong>of 9 months plus a possible 3-month extension<\/strong>. On this occasion <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will finance <strong>Phase I<\/strong> of the loan in the amount of <strong>\u20ac1,000,000<\/strong>, which will be used to pay off the mortgage taken out to purchase the property and to cover the cost of the construction work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The developer has contributed <\/strong><strong>\u20ac500,000.00 <\/strong><strong>of its own funds <\/strong><strong>to <\/strong>date, which have been used to make the initial payment for the land and cover technical costs, and the buyers have contributed <strong>\u20ac3,358,158.12<\/strong> to date <strong>,<\/strong> which has been used to advance the construction work and is covered by the corresponding performance bonds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Repayment of the loan to <\/strong> <strong>Wecity&#8217;s<\/strong> &#8220;<strong> <\/strong>&#8221; investors is scheduled to be made through buyers&#8217; down payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_01-1024x606.png\" alt=\"\" class=\"wp-image-26429\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_01-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_01-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_01-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_01-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_01.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\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\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_02-1024x606.png\" alt=\"\" class=\"wp-image-26434\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_02-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_02-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_02-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_02-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_02.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"397\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_04-1024x397.png\" alt=\"\" class=\"wp-image-26439\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_04-1024x397.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_04-300x116.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_04-768x298.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_04-1536x596.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Murcia_Sta_Rosalia_Homes_04.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!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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\">Mortgage collateral<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The loan will be secured by a<sup>first-priority<\/sup> mortgage on the property, located in Torre Pacheco, <strong>Murcia<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by <strong><strong><strong>TS Sociedad de Tasaciones<\/strong><\/strong><\/strong>, the current appraised value is \u20ac4,288,735.87, and the appraised value based on the completed building scenario (HET) is \u20ac10,655,771.40. The loan to be granted to the developer in this first phase is \u20ac1,000,000, which represents a Loan-to-Value (LTV) ratio of 28.15% based on the HET and an LTV ratio of 20.85% for the first drawdown. <\/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 <strong>wecity<\/strong>.<\/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\"><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 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 <strong>wecity<\/strong>.   <\/p>\n","protected":false},"featured_media":26398,"template":"","class_list":["post-26446","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/26446","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\/26398"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=26446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}