{"id":27407,"date":"2026-07-27T11:21:56","date_gmt":"2026-07-27T09:21:56","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/malaga-mijas-golf-view\/"},"modified":"2026-07-29T09:16:11","modified_gmt":"2026-07-29T07:16:11","slug":"malaga-mijas-golf-view","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/malaga-mijas-golf-view\/","title":{"rendered":"M\u00e1laga Mijas Golf View"},"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>Type<\/strong>: Fixed-rate mortgage loan<\/li>\n\n\n\n<li><strong>Purpose of the loan:<\/strong> Purchase and construction.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage.<\/li>\n\n\n\n<li><strong>Term:<\/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> 10% per annum.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 7.5%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current appraisal value of 16 homes (ECO): <\/strong>\u20ac3<strong> <\/strong>,362,192.89 <strong>| LTV: <\/strong>47 . 59 %<\/li>\n\n\n\n<li><strong>Current appraisal value of 20 homes (ECO): <\/strong>\u20ac4 ,194,341.18<strong> | LTV: <\/strong>38<strong> <\/strong>.15%<\/li>\n\n\n\n<li><strong>HET Appraisal Value for 23 Homes (ECO): <\/strong>\u20ac8<strong> <\/strong>,082,501.55 <strong>| HET LTV: <\/strong>39 .59%<\/li>\n\n\n\n<li><strong>1st Disbursement: \u20ac776,776.42 | LTV: 23 <\/strong>.10%<\/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:<\/strong> \u20ac2,078,671.00<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity Loan<\/strong>, <strong>Phase I:<\/strong> \u20ac1,600,000.00<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> \u20ac500<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The developer, <strong>Skorpio Samica S.L.,<\/strong> is seeking financing through <strong>wecity<\/strong> to purchase 7 homes in a development consisting of 23 units. In addition, part of the financing will be used to renovate the 23 attached single-family homes. Of the total 23 homes in the development, the developer has already purchased 16 prior to requesting funding from <strong>wecity<\/strong> investors.    <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project is located in Mijas <strong>(58 Libra de Riviera Street)<\/strong>. All units come with a garage and access to a communal pool.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The homes have an average floor area of approximately 80<sup>m2<\/sup>. From a land-use planning perspective, the project has been <strong>granted a building permit ( <\/strong>construction is currently 25% complete). From a sales perspective, the developer has just begun marketing the project, with 0% of units sold (0 out of 23 units sold). The estimated total sales volume is \u20ac8,205,000.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project will be financed through a<strong> mortgage loan in the amount of \u20ac3,200,000, which <\/strong>will include<strong> <\/strong>secured by <strong>a mortgage in 1<\/strong><strong><sup>first<\/sup><\/strong><strong> on the asset<\/strong>. This financing will be divided into 3 phases (\u20ac1,600,000, \u20ac800,000, and \u20ac800,000), with a <strong>fixed annual interest<\/strong> rate <strong>of 10%<\/strong> and a <strong>standard term of 9 months<\/strong> (+3 months of possible extension). In this <strong>Phase I<\/strong>, <strong>\u20ac1,600,000<\/strong> will be provided to finance the purchase of the 4 residential units which, once acquired, will form part of the mortgage collateral along with the other 16 units already acquired by the developer. In addition, the renovation work on the first 20 units will also be financed. In subsequent phases, financing will cover the purchase of the remaining homes (Phase II) and the continuation of the pending renovation work.       <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>developer has contributed<\/strong> <strong>\u20ac2,078,671<\/strong> <strong>of its own funds<\/strong> toward the acquisition and the start of the renovation, representing <strong>39.38%<\/strong> of the total funds needed to carry out the project<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>loan<\/strong> is expected <strong>to be repaid<\/strong> to <strong>wecity<\/strong> investors through the sale of the homes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-2 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" data-id=\"27345\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-1024x606.jpg\" alt=\"\" class=\"wp-image-27345\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-2048x1213.jpg 2048w\" 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\" data-id=\"27350\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-1024x606.jpg\" alt=\"\" class=\"wp-image-27350\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-2048x1213.jpg 2048w\" 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\" data-id=\"27356\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-1024x606.jpg\" alt=\"\" class=\"wp-image-27356\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-2048x1213.jpg 2048w\" 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\" data-id=\"27361\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-1024x606.jpg\" alt=\"\" class=\"wp-image-27361\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-2048x1213.jpg 2048w\" 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\" data-id=\"27366\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-1024x606.jpg\" alt=\"\" class=\"wp-image-27366\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-2048x1213.jpg 2048w\" 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\" data-id=\"27371\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1024x606.jpg\" alt=\"\" class=\"wp-image-27371\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2048x1213.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/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!1d534.5569326465293!2d-4.70809032490794!3d36.49761546558581!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd731feaf51f6b6f%3A0x8c6ae4e662b29f4b!2sC.%20Libra%2C%2058%2C%2029649%20Mijas%2C%20M%C3%A1laga!5e1!3m2!1ses!2ses!4v1785228508621!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\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 58 Libra de Riviera Street (Madrid).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by Euroval, the current appraised value of the 16 homes (ECO2) is \u20ac3,362,192.89, representing an LTV of 47.59%. Considering the current appraised value of the 20 residential units (ECO2), the value totals \u20ac4,194,341.18, with an LTV of 38.15%. Meanwhile, the valuation under the Completed Building Scenario (HET) for the 23 residential units (ECO2) stands at \u20ac8,082,501.55, representing an LTV of 39.59%. The first drawdown, in the amount of \u20ac776,776.42, corresponds to an LTV of 23.10% on 16 homes.<\/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<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":27289,"template":"","class_list":["post-27407","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/27407","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\/27289"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=27407"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}