{"id":28437,"date":"2026-10-22T09:52:11","date_gmt":"2026-10-22T07:52:11","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-cooperage\/"},"modified":"2026-10-27T09:39:29","modified_gmt":"2026-10-27T08:39:29","slug":"murcia-cooperage","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/murcia-cooperage\/","title":{"rendered":"Murcia Toneleros"},"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> Construction.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>First-lien <\/sup>mortgage.<\/li>\n\n\n\n<li><strong>Term:<\/strong> 12 months (with a possible 6-month extension).<\/li>\n\n\n\n<li><strong>Mandatory repayment period:<\/strong> 6<strong> <\/strong>months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 10.75% per year.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 10.75%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current ECO appraisal:<\/strong> \u20ac735,291.60<\/li>\n\n\n\n<li><strong>ECO HET Appraisal Value:<\/strong> \u20ac2,028,217.22<strong> | HET LTV: <\/strong>36 . 98 %<\/li>\n\n\n\n<li><strong>1st Mortgage: \u20ac<\/strong>193<strong> <\/strong>,000<strong> | LTV for 1st Mortgage: <\/strong>26<strong> <\/strong>.25%<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\" data-type=\"link\" data-id=\"https:\/\/www.wecity.com\/que-modelo-de-riesgo-sigue-wecity-en-sus-proyectos-de-inversion\/\">A<\/a><a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\" data-type=\"link\" data-id=\"https:\/\/www.wecity.com\/que-modelo-de-riesgo-sigue-wecity-en-sus-proyectos-de-inversion\/\">A<\/a><\/li>\n\n\n\n<li><strong>Aportaciones:<\/strong><ul><li><strong>Promotor:<\/strong> 420.338,9&nbsp;\u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> \u20ac750,000<\/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>Spanish Repossessions Sl<\/strong>, is seeking financing through <strong>wecity<\/strong> to cover part of the construction costs for a development consisting of <strong>9 homes and a commercial space<\/strong> in <strong>Puerto de Mazarr\u00f3n, Murcia. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The lot has an area of 230<sup>m\u00b2<\/sup>, on which a project with 939<sup>m\u00b2<\/sup> of gross floor area is being developed. The project has a valid building permit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The homes will have 2 bedrooms and 2 bathrooms. As for the commercial unit, 6 of the 9 homes (67%) and 1 out of 1 commercial unit (100%) have already been sold.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project will be financed through a <strong>fixed-rate<\/strong> <strong>mortgage loan<\/strong> in the amount of <strong>\u20ac750,000,<\/strong> <strong>secured by a first-lien mortgage on<sup> <\/sup><\/strong>, with a <strong>term of 12 months<\/strong> (+6 months of possible extension).  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The developer has contributed its own funds to date<strong><\/strong> The investment of <strong>\u20ac<\/strong> <strong>420,338<\/strong> covers the acquisition of the land, commencement of construction <strong>,<\/strong> and associated project expenses. Additionally, the buyers will contribute <strong>\u20ac260,000<\/strong> to the construction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The investors&#8217; exit from Wecity is scheduled upon delivery of the properties.<\/strong><\/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-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"858\" height=\"855\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01.png\" alt=\"\" class=\"wp-image-28416\" style=\"aspect-ratio:1.6897867622411882;width:1200px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01.png 858w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-150x150.png 150w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-300x299.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-768x765.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-80x80.png 80w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-48x48.png 48w\" sizes=\"auto, (max-width: 858px) 100vw, 858px\" \/><\/figure>\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=\"28406\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-1024x606.png\" alt=\"\" class=\"wp-image-28406\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/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\/10\/wecity_imag_Murcia_Toneleros_03-1024x606.png\" alt=\"\" class=\"wp-image-28411\" style=\"aspect-ratio:1.6897867622411882;width:1200px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03.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=!1m14!1m12!1m3!1d1581.2829575547403!2d-1.2608833850983425!3d37.5652897262432!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!5e0!3m2!1ses!2ses!4v1792661636134!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 in <strong>Puerto de Mazarr\u00f3n, Murcia<\/strong> (Plaza Toneleros).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by Tinsa, the <strong>current appraised value<\/strong> amounts to <strong><strong>735,291.60<\/strong><\/strong> \u20ac and the <strong>Appraised Value Based on the Assumption of a Completed Building<\/strong>(HET) is <strong><strong>2,028,217.22<\/strong> \u20ac.<\/strong> The loan to be granted to the developer in this <strong>first phase<\/strong> <strong>is 750,000 \u20ac<\/strong>, which represents a Loan-to-Value (LTV) ratio <strong>based<\/strong> on the HET <strong>of<\/strong> <strong><strong>36.98<\/strong>%<\/strong> and an LTV ratio for the first drawdown of<strong> <strong>26.25%.<\/strong><\/strong><\/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":28430,"template":"","class_list":["post-28437","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/28437","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\/28430"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=28437"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}