• Experienced Project Team: The project is developed by an experienced team that has delivered more than 15,000 m² of real estate projects and has over 9 years of experience in construction as well as 15 years of experience in real estate sales and brokerage, ensuring efficient project execution and successful commercialization.
• Growing Market Value: Marbella is one of the most stable and sought-after premium real estate markets in Europe, where demand consistently exceeds supply. Residential real estate prices in Marbella and San Pedro have increased by approximately 23% over the past two years.
  
• Significant Owner Participation: Approximately EUR 850,000 of own funds have already been invested in the acquisition of the plots, with an additional EUR 712,868 to be invested during first stages of construction. Prestigious
• High-Demand Location: The project consists of five modern villas with private pools, developed in one of the most highly regarded residential areas of Marbella – Guadalmina Alta, known for its high quality of life, limited supply, and stable demand in the premium segment.

Interest rates based on investment amount:
– From 100 EUR to 299 EUR – 9.00%
– From 300 EUR to 699 EUR – 9.40%
– From 700 EUR to 1 999 EUR – 9.80%
– From 2 000 EUR to 6 999 EUR – 10.20%
– From 7 000 EUR to 24 999 EUR – 10.60%
– From 25 000 EUR to 49 999 EUR – 11.00%
– From 50 000 EUR to 99 999 EUR – 11.50%
– From 100 000 EUR to 149 999 EUR – 12.00%
– From 150 000 EUR to 199 999 EUR – 12.50%
– From 200 000 EUR – 13.00%
Important: individual investments are not aggregated and cannot be combined.

About the Project:
In 2023, the project owner acquired five plots with valid building permits for the development of five villas. The project involves the development of five high-end detached residential villas in the prestigious Guadalmina Alta area of Marbella, Spain. The project is aimed at premium-segment buyers seeking modern, spacious, and functional homes in one of the most desirable locations on the Costa del Sol.

The villas are designed across three levels – basement, ground floor, and first floor. Each villa will feature 4–5 bedrooms and 5–6 bathrooms and will be delivered fully fitted. The homes are developed on spacious private plots with landscaped gardens, swimming pools, and jacuzzis. The project also includes terraces, covered outdoor areas, parking spaces, and additional rooms that can be adapted to individual needs.

Approximately EUR 850,000 of own funds have already been invested in the project, with an additional EUR 712,868 planned for the initial construction phase of the first two villas. The project has reached a sufficiently advanced stage to proceed to construction and implementation.

Location
Guadalmina Alta is one of the most highly regarded residential areas in Marbella, characterized by a peaceful environment, high quality of life, and stable demand for upper-segment residential real estate. It is a well-established area of detached houses with well-developed infrastructure and convenient access to Marbella city center, Puerto Banús, the coastline, and the main Costa del Sol transport routes. The area is particularly valued for its proximity to golf courses, international schools, and everyday services, making it attractive for both permanent residence and investment.

Commercial Indicators
The villas are expected to be sold in line with market pricing typical for the Guadalmina Alta area. Developer expects to sell between EUR 7,607 to EUR 8,716 per square meter, depending on the size, layout, and plot characteristics of each villa, aligned with valuator’s analyzed comparables at EUR 7,969 per square meter.  This includes the sales price of the first two villas and the value of the remaining three non-developed land plots.

In recent years, residential real estate prices in Marbella and San Pedro de Alcántara have shown consistent growth, increasing by approximately 23% over the past two years, positively impacting the overall value of the project. 

Loan Information:
The loan will be repaid from the proceeds of the property sales. Interest payments to investors will be made from working capital. This financing is intended to refinance the existing loan and start construction of the first two villas. According to a conservative scenario, the income from the two villas built and sold would fully cover the loan amount, with the remaining three villas providing an additional financial reserve.

Maximum planned project financing amount: 5 500 000 EUR. The project is financed based on the current collateral value until the maximum LTV ratio is reached. Once the maximum LTV ratio is reached, LTV ratios will be based on construction works' certificates of the architect and project monitoring together with current external valuation.

Please note that the loan amount will be disbursed after the mortgage is signed and the mortgage priority is granted. The registration of the mortgage may take several weeks after the funds are disbursed. Interest for investors will start accruing from the date of signing the mortgage agreement, in accordance with common practice in the Spanish market.  

We plan to raise the required amount within 7 days, with the option to extend up to 30 days if not fully funded.