{"id":28517,"date":"2026-10-23T10:13:38","date_gmt":"2026-10-23T08:13:38","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/malaga-mijas-golf-view-ii\/"},"modified":"2026-10-28T09:40:06","modified_gmt":"2026-10-28T08:40:06","slug":"malaga-mijas-golf-view-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/malaga-mijas-golf-view-ii\/","title":{"rendered":"M\u00e1laga Mijas Golf View 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 <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>First-lien <\/sup>mortgage.<\/li>\n\n\n\n<li><strong>Duration:<\/strong> Approximately 7 months (+3 months possible extension).<\/li>\n\n\n\n<li><strong>Mandatory compliance: <\/strong>4 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> 5.83%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current appraised value of 20 homes (ECO): \u20ac<\/strong>4 ,194,341.18<\/li>\n\n\n\n<li><strong>Current appraised value of 23 homes (ECO): \u20ac<\/strong>4 ,817,256.18<\/li>\n\n\n\n<li><strong>HET Appraisal of 23 Homes (ECO): \u20ac<\/strong>8 ,082,501.55<strong> | LTV: <\/strong>39<strong> <\/strong>.59%<\/li>\n\n\n\n<li><strong>1st Drawdown:<\/strong> \u20ac1,844,605.61 <strong>| LTV for 1st Drawdown:<\/strong> 40.02%<\/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\n\n\n<li><strong>wecity Loan<\/strong> <strong>Phase II:<\/strong> \u20ac800,000.00<\/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\n\n\n<li>The developer has 30 days to sign the document at a notary&#8217;s office.<\/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 fund the purchase of 3 homes (2 of which have already been acquired by the developer, and the third will be acquired during the term of the loan) as part of a 23-unit development. In addition, the remaining funds will be used to renovate the 23 attached single-family homes. The project is located in Mijas <strong>(Calle Libra de Riviera, 58)<\/strong>. All units include 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 zoning perspective, the project has been <strong>granted a building permit (construction is currently more than 57% complete)<\/strong>. From a commercial standpoint, the development has attracted several interested buyers, although the developer is waiting for construction to progress further before finalizing the sales. The estimated total sales volume is \u20ac8,205,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project will be funded through a  <strong>mortgage loan in the amount of \u20ac3,200,000<\/strong>  which will feature  <strong><\/strong>with a warranty  <strong>Mortgage in 1<\/strong><strong><sup>be<\/sup><\/strong> <strong>return on assets<\/strong>. This funding will be divided into 3 phases (\u20ac1,600,000, \u20ac800,000, and \u20ac800,000), with a rate of  <strong>fixed annual interest rate of 10%<\/strong>  and a standard period of 9 months (+3 months for a possible extension). This  <strong>Phase II<\/strong>, will be funded in the amount of  <strong>800,000 \u20ac<\/strong>  and with a  <strong>estimated timeframe of 7 months<\/strong>  (plus 3 from a possible extension). During this Phase II, the 3 homes, along with the rest of the previously purchased homes, will be included in Mortgage Guarantee 1<sup>be<\/sup>  degree.<\/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, which represents <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 20 homes (ECO2) is \u20ac4,194,341.18, and that of the 23 homes is \u20ac4,817,256.18. Meanwhile, the appraised value under the Completed Building Scenario (HET) for the 23 homes (ECO2) is \u20ac8,082,501.55, representing an LTV of 39.59%. The first drawdown, in the amount of \u20ac1,844,605.61, corresponds to an LTV of 40.02%.<\/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","protected":false},"featured_media":27346,"template":"","class_list":["post-28517","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/28517","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\/27346"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=28517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}