{"id":28037,"date":"2026-09-28T15:28:53","date_gmt":"2026-09-28T13:28:53","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/alicante-vistabella-golf\/"},"modified":"2026-09-29T11:37:49","modified_gmt":"2026-09-29T09:37:49","slug":"alicante-vistabella-golf","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/alicante-vistabella-golf\/","title":{"rendered":"Alicante Vistabella Golf"},"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 renovation.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>First-lien <\/sup>mortgage.<\/li>\n\n\n\n<li><strong>Term:<\/strong> 9 months (with a possible 3-month extension).<\/li>\n\n\n\n<li><strong>Minimum repayment period: <\/strong>6<strong> <\/strong>months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 10% per year.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 7.50%.<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current ECO Appraisal:<\/strong> 2,944,279.69 \u20ac <\/li>\n\n\n\n<li><strong>ECO HET Appraisal Value:<\/strong> \u20ac5,196,636.93<strong> | LTV: <\/strong>38<strong> <\/strong>.48%<\/li>\n\n\n\n<li><strong>1st Drawdown: <\/strong>1.811.435,43\u00a0 \u20ac<strong> | LTV:<\/strong> 61,52%<\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>Cooperative:<\/strong> 1,691,768.00 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> \u20ac2,000,000.00<\/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>Proyectos Alba Salina SL<\/strong>, is seeking financing through <strong>wecity<\/strong> for the purchase of a plot of land intended for the development of 41 semi-detached single-family homes in Orihuela (Alicante), as well as to cover part of the construction costs for the first phase, consisting of <strong>15 homes<\/strong> whose construction is already underway and on which the mortgage collateral will be secured.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Phase I (which will be subject to a mortgage) covers an area of 2,911<sup>m2<\/sup>, on which a project with 1,434<sup>m2<\/sup> of gross floor area is currently under development. The project has <strong>a valid building permit, and<\/strong> <strong>construction<\/strong> is currently <strong>55.48% complete overall<\/strong> (with each unit at different stages of completion).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The homes feature 3 bedrooms, 2 bathrooms, a garage, and a pool. In <strong>terms of sales, 10 of the 15 units (66.7%) have already been sold.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project will be financed through a <strong>fixed-rate mortgage loan<\/strong> in the amount of <strong>\u20ac2,000,000, which<\/strong> <strong>will be secured by a first-lien mortgage<sup> <\/sup><\/strong> on the 15 homes that are part of Phase I of the project and will have a <strong>term of 9 months<\/strong> (+3 months of possible extension).  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To date, the developer, together with the buyers, has contributed equity funds ( <strong><\/strong>) totaling <strong>\u20ac1,691,768.00 toward<\/strong> part of the land acquisition, the start of construction, and technical expenses associated with the project. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The exit of the wecity investors is scheduled to occur upon the sale and delivery of the 15 units to the buyers.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In this instance, AInvest is used.<\/p>\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!1d3142.4170628488705!2d-0.8205600122752089!3d38.03736738897158!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd63a6c8c94ca0fd%3A0x6d80a1f022adc5ff!2sC.%20Melocotonero%2C%2003319%2C%20Alicante!5e0!3m2!1ses!2ses!4v1790601984403!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-lien<\/sup> mortgage on the property, located in <strong>Alicante<\/strong> (C\/ Melocotonero, Orihuela).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by <strong><strong>Valmesa<\/strong><\/strong>, the current appraised value is \u20ac2,944,279.69, and the appraised value based on the completed building scenario (HET) is \u20ac5,196,636.93. The loan to be granted to the developer at this stage is \u20ac2,000,000, which represents a Loan-to-Value (LTV) ratio of 38.48% based on the HET and an LTV ratio of 61,52% for the first drawdown.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral Agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The creation, maintenance, management, administration, and, where applicable, enforcement of the security interest on behalf of <strong>wecity<\/strong> investors will be handled 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 specified 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 participatory financing services and in compliance with Delegated Regulation (EU) 2024\/358, which supplements 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> used to calculate project ratings. If the calculation is based on unaudited financial statements, this will be clearly stated in the method description.<\/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":28026,"template":"","class_list":["post-28037","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/28037","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\/28026"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=28037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}