{"id":28364,"date":"2026-10-14T18:02:51","date_gmt":"2026-10-14T16:02:51","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-sta-rosalia-apartments-ii\/"},"modified":"2026-10-15T15:58:09","modified_gmt":"2026-10-15T13:58:09","slug":"murcia-sta-rosalia-apartments-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/murcia-sta-rosalia-apartments-ii\/","title":{"rendered":"Murcia Sta Rosalia Apartments II"},"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 wecity<\/a> may invest in this offering. 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>Duration:<\/strong> 5 months (with a possible 3-month extension)<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 11 % p.a.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 4.58%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current ECO appraisal:<\/strong> \u20ac6,867,004.45<strong> | LTV (Phase II):<\/strong> 43.68%  <\/li>\n\n\n\n<li><strong>ECO HET Appraisal Value: \u20ac<\/strong>10<strong> <\/strong>,655,771.40 <strong>| LTV (HET): <\/strong>28 . 15 %<\/li>\n\n\n\n<li><strong>LTV, Section 1: <\/strong>34<strong> <\/strong>.95%<\/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> \u20ac500<strong>,<\/strong> 000.00<\/li><\/ul><\/li>\n\n\n\n<li><ul><li><strong>Buyers&#8217; contribution: <\/strong>3<strong> <\/strong>,358,158.12 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity Loan (Phase II):<\/strong> \u20ac2,000,000.00<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> 500 \u20ac<\/li>\n\n\n\n<li><strong>Maximum investment:<\/strong> 500 \u20ac during the first ten minutes.<\/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 seeking financing through <strong>wecity<\/strong> for the construction of a housing development on a lot located in the Santa Rosal\u00eda Lake residential community, 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 tourist complex comprising 40 vacation apartments spread across 5 buildings will be developed, featuring a garden, swimming pool, terrace, garage, and storage units. In addition, the complex will include a separate building housing a reception area, a caf\u00e9, and a gym. From <strong>a sales perspective<\/strong>, the developer has sold <strong>34 of the 40 units (85% + 4 sales compared to Phase I)<\/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>72<\/strong> <strong>%<\/strong> complete according to the appraisal).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The total loan amount is <strong>\u20ac3,000,000 in two phases<\/strong> , secured by a <strong>first-<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>lien<\/strong> mortgage, with a fixed annual interest rate of <strong>11%<\/strong> and a standard term of <strong>9 months plus a possible 3-month extension<\/strong> . This is an opportunity<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will finance <strong>Phase II<\/strong> of the loan in the amount of <strong>\u20ac2,000,000<\/strong>, which will be used to cover the cost of construction and will have a <strong>standard term of 5 months plus a possible 3-month extension.<\/strong><\/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> to date, which have been used for the initial payment for the land and to 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 backed by the corresponding performance bonds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>repayment of the loan<\/strong> to the<strong><\/strong> <strong>Wecity<\/strong> investors are expected to receive advance payments from buyers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">AInvest does not apply in this case. <\/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<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 <strong>\u20ac6<\/strong> <strong>,867,004.45<\/strong> <strong>, and<\/strong> the appraised value based on the completed building scenario (HET) is <strong>\u20ac10,655,771.40<\/strong> <strong>.<\/strong> The loan to be granted to the developer in this second phase is \u20ac2,000,000, which represents a Loan-to-Value (LTV) ratio of 28.15% based on the HET and an LTV ratio of 34.95% 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":28355,"template":"","class_list":["post-28364","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/28364","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\/28355"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=28364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}