{"id":27194,"date":"2026-03-17T17:43:04","date_gmt":"2026-03-17T16:43:04","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/malaga-benahavis\/"},"modified":"2026-07-21T11:59:31","modified_gmt":"2026-07-21T09:59:31","slug":"malaga-benahavis","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/malaga-benahavis\/","title":{"rendered":"M\u00e1laga Benahav\u00eds"},"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>\u201cIn accordance with Article 8.2 of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of October 7, 2020, on European crowdfunding providers, we hereby inform you that <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, executives, and employees of <strong>wecity<\/strong><\/a> may invest on this occasion. These investments will be made under the same conditions as those of other investors, without receiving preferential treatment or privileged access to information.\u201d <\/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>Object of the loan:<\/strong> Work.<\/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> 10.50% per year.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 10.50%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current ECO appraisal: <\/strong>\u20ac1 ,452,116.34<\/li>\n\n\n\n<li><strong>ECO HET Appraisal Value:<\/strong> \u20ac3,423,250.45<strong> | HET LTV: <\/strong>29 . 21 %<\/li>\n\n\n\n<li><strong>1st Drawdown: <\/strong>\u20ac500 ,524.17<strong> | LTV for 1st Drawdown:<\/strong> 34.46%<\/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> \u20ac 754.129,13 <\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> \u20ac 1,000,000 <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> \u20ac 500 <\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The developer <strong>ALQAVIA COSTA S.L. is seeking <\/strong>financing through wecity to <strong>cover the construction costs of a single-family home in<\/strong> <strong>Benahav\u00eds, M\u00e1laga<\/strong> (280 Chopo Street). The villa will feature four bedrooms, five bathrooms, a large living-kitchen-dining area, a second living area, spacious porches and terraces, a private pool, a rooftop solarium, as well as a storage room and a utility area for the pool. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The home has a <strong>total area of 1,456 m<\/strong><strong><sup>\u00b2<\/sup><\/strong><strong> <\/strong>and a <strong>buildable area of 404 m<\/strong><strong><sup>2<\/sup><\/strong>. From a zoning perspective, the project has a building permit, and construction is currently <strong>37.46%<\/strong> complete (as of February 2026). From a sales perspective, the developer has not yet begun marketing the property. The estimated sale price is \u20ac2,850,000.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project will be financed through a <strong>fixed-rate mortgage loan in the amount of \u20ac1,000,000<\/strong>, which will be <strong>secured by a<sup>first-lien<\/sup> mortgage<\/strong> and will have a term of <strong>12 months<\/strong> (plus a possible 6-month extension).  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The developer has contributed<strong>\u20ac754<\/strong> <strong>,129 <\/strong><strong>.13 in<\/strong> equity<strong>,<\/strong> which has been used to acquire the property and cover construction costs to date.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investors in <strong>wecity<\/strong> will exit their investment upon the sale of the home once construction is complete.<\/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-Benahavis-1-1024x606.jpg\" alt=\"\" class=\"wp-image-24511\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-1-2048x1213.jpg 2048w\" 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-Benahavis-1024x606.jpg\" alt=\"\" class=\"wp-image-24516\" style=\"aspect-ratio:1.6889885861318203;width:1025px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/03\/wecity_imag_inversion_Malaga-Benahavis-2048x1213.jpg 2048w\" 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!1d3208.131982590259!2d-5.038431988309758!3d36.478528198054164!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd732aea5072229f%3A0xe782aeb2d1bc7592!2sC.%20Chopo%2C%20280%2C%2029679%20El%20Para%C3%ADso%2C%20M%C3%A1laga!5e0!3m2!1ses!2ses!4v1773765565823!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 the exclusive Benahav\u00eds area of <strong>M\u00e1laga<\/strong>, this property at Calle Chopo 280 offers a privileged setting that combines tranquility, nature, and proximity to some of the most sought-after destinations on the Costa del Sol. Just a few minutes away are highly desirable residential areas such as La Zagaleta and El Madro\u00f1al, as well as prestigious golf courses and a wide range of top-notch dining options. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, its excellent transportation links provide quick access to Marbella and the iconic Puerto Ban\u00fas, known for their exclusive lifestyle, luxury boutiques, and international entertainment options. The proximity to beaches, international schools, and premium amenities makes this location an ideal choice for both a primary residence and a high-end real estate investment. <\/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 at 280 Chopo Street (M\u00e1laga).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by <strong><strong><strong><strong><strong>Alia Valoraciones y Soluciones T\u00e9cnicas<\/strong><\/strong><\/strong><\/strong><\/strong>, the current appraised value is \u20ac1,452,116.34  <strong> <\/strong>and the \u201cAs-Built\u201d (HET) appraisal value at \u20ac3,423,250.45. The loan to be granted to the developer is \u20ac1,000,000, which represents a Loan-to-Value (LTV) ratio of 29.21% based on the HET and an LTV ratio of 34.46% 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 <strong>wecity<\/strong> &#8216;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\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":27165,"template":"","class_list":["post-27194","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/27194","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\/27165"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=27194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}