We present Valle de Aran, a fixed-rate project with a first-degree mortgage guarantee that consists of financing the costs for the real estate development and construction of 9 multi-family dwellings and 17 parking spaces, in Les, Lérida, Spain.
The total built area of the development is 1,850 m2.
New development of 9 multi-family dwellings and 17 parking spaces. The building consists of 3 floors distributed as follows:
Ground floor layout: 4 dwellings
Layout of the first floor: 2 dwellings
Distribution of the attic floor: 3 dwellings
Of the 9 homes that make up the project, 6 are already reserved, which represents 66,67% of the development.
The total duration of the project will be 12 months with a possible extension of 6 additional months with an NIR of 10%.
The exit of the Housers loan will take place with the delivery of the homes at the maturity of the project.
This loan of €350,000 corresponds to the first tranche of a project of €1,000,000 (three phases of the project are planned).
The mortgage guarantee provided by the developer is the 9 multi-family dwellings and 17 parking spaces which are the object of the project located at Carrer Carrera, Dera, 6, Les, Lleida, Spain.
According to the valuation certificate issued by Valum on 22/01/2025, the current mortgage/valuation value of the property described is 2,098,766.56€.
Therefore, the valuation of the mortgaged property on the loan is 599.64% (mortgage value 2.098.766,56€ / loan amount 350.000€). The LTV (Loan To Value) of the project is 16.67% (loan amount €350,000 / current appraised value €2,098,766.56).
The estimated value of the property in a completed scenario according to the comparison method amounts to €3,602,476.29.
The Collateral Agent chosen for this project is Ramallo Legal Abogados, S.L.P., a professional firm with extensive experience in financial sectors that provides advisory services and fiduciary services in the issuance of bonds, guarantees and other securities. Ramallo Legal Abogados, S.L.P. is not affiliated to any financial services group.
The developer of the project is Purica Multigremio Instalaciones, Mantenimientos y Servicios, S.L., a company belonging to the construction sector in the field of building both new construction and refurbishment, rehabilitation and maintenance of buildings. The promoter has a share capital at 31/12/2023 of 3,000 euros and equity at 31/12/2023 of 297.346,53 euros.
Purica Multigremio Instalaciones, Mantenimientos y Servicios, S.L is a real estate developer with more than 11 years of experience in the construction sector, specialising in the execution of residential, urban, industrial and building rehabilitation works.
They stand out for their commitment to quality, meeting deadlines and safety on site, working both on their own projects and for third parties, carrying out most of their work in the Aran Valley.
In the future, the developer may apply for other loans through the platform to obtain financing for other projects within the legal limits and provided that their financial situation allows it. Thus, the company's future leverage may be higher.
The scoring is carried out by GLOVAL.
Glóval is a benchmark firm in comprehensive valuation, engineering, consultancy, and data analysis services. The result of the integration in 2017 of companies with a solid market position, more than 70 years of accumulated experience, and more than 5 million valuations carried out, it provides services throughout the value chain of the real estate sector.
The company has a team of more than 1,000 professionals, a nationwide presence, and international coverage through its presence in countries such as Portugal, Greece, Brazil, Cape Verde, Angola, and Mozambique. Glóval has the confidence of the main players in the real estate sector and its current diversification strategy is focused on increasing its portfolio of services, meeting the needs of new sectors and clients, and continuing its international expansion.
For more information, visit www.gloval.es.
GLOVAL will carry out the monitoring of this project, having a permanent control of the destination of the capital provided by the investors and delivering this capital to the promoter according to an agreed schedule after delivery of justification of compliance with certifications. For this purpose, the promoter will open a wallet where the funds financed by the investors will be transferred in such a way that each drawdown to the promoter must be justified to the monitoring company and the full amount of the loan will not be handed over to the promoter at once.
The Valle de Arán project is located in Les, Lleida, a small village in the Aran Valley, located in the Catalan Pyrenees. It is crossed by the Garonne river and the National 230 road.
It is adjacent to the villages of Bossòst, the small and magical village of Bausen and France. Like other villages in the valley, it shares the charm of being crossed by the waters of the River Garonne, which is particularly relevant and a protagonist in the history of the Val d'Aran. This river also gives it an air of freshness that adds to the beauty of the village, which hides thermal springs underground.
It is only 30 kilometres from the Baqueira/Beret ski resort, a privileged enclave that combines tranquillity, natural beauty and direct access to one of the best ski resorts in Europe. This privileged location allows you to enjoy a unique experience in any season of the year, as the Val d'Aran is synonymous with nature, culture and adventure.
Activities on offer include skiing and snowboarding in Baqueira/Beret, Spain's most prestigious ski resort, hiking, mountain biking, horse riding and river rafting, as well as natural spas, exquisite local gastronomy and traditional festivals full of colour and authenticity.
Housers will not charge any fee to the investor for this opportunity. The developer will be charged a fee that is determined based on a % of the funds raised for the project, provided that the project is successfully closed, i.e., that the funding target published on the platform is reached. In case it is not successfully closed, Housers will not charge this fee. Once the campaign is finished and as a previous step to the delivery of the money to the developer, this commission is deducted from it in favour of Housers. It does not affect the final profitability obtained by the investors, since the developer is the one who assumes its cost. In this opportunity, Housers' commission is 7,5% + VAT being the commission financed within the opportunity.
Housers complies with Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of equity finance services for businesses, and amending Regulation (EU) 2017/1129 and Directive (EU) 2019/1937 and is authorised by the CNMV as a Participatory Finance Platform registered under number 13.
Housers is not a credit institution or an investment services company. It is not a member of any investment guarantee fund or deposit guarantee fund. Therefore, the invested capital is not covered by these funds.
Housers is neither a credit institution nor an investment services company nor does it supply financial advice, so nothing on this website should be interpreted as such. The information on this page is for general information purposes only and does not constitute specific advice.
The participatory financing projects published on the website are not subject to authorisation or supervision by the Comisión Nacional del Mercado de Valores or the Bank of Spain or any other national or foreign regulator. The information provided by the developer has not been reviewed by the CNMV and does not constitute a prospectus approved by the CNMV.
The developer of the project is responsible to investors for the information it has provided to the crowdfunding platform for publication within the project on the website. The information shown has been prepared by Housers based on available information provided by the developer. Neither Housers nor its collaborating companies or suppliers accept responsibility or liability concerning the accuracy or sufficiency of the information referred to in the project. The statements or declarations with future projections refer exclusively to the date on which they were expressed, they do not form any guarantee of future results.
In accordance with REGULATION (EU) 2020/1503 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 7 October 2020 on European crowdfunding service providers for businesses, it is hereby informed that this project may involve related parties, in accordance with Housers' Internal Code of Conduct, who may acquire the status of investors and therefore of lenders. The final amount and participation of these parties will be communicated to all project investors once the funding has been completed.
Before investing in this project, the investor must know the risks of his investment: Housers recommends carefully reading the Basic Information for the Investor.
In compliance with Article 2.1 of Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of equity crowdfunding services for businesses, and amending Regulation (EU) 2017/1129 and Directive (EU) 2019/1937, Housers hereby informs investors of the risks they will run when investing in this project:
• Risk of total or partial loss of the invested capital: the main risk associated with any type of investment is the total or partial loss of the money invested, as well as the probability that the return obtained, will be lower than expected or estimated. In general, the higher the return on an investment, the higher the risk.
• Risk of not obtaining the expected financial return: there is no such thing as a safe investment. There is always a risk of losing everything invested or of not obtaining the expected financial return. Investments are based on future expectations that may not necessarily be realized, so the expected financial return on the investment may never occur or may occur differently than expected.
• Operational risk: failures or problems in systems, people or operational flows can have a significant impact on the investment. In any activity in any market, there is always an operational risk.
• Inflation risk: the possibility of rising inflation may cause the return on investment to decline due to the inevitable loss in the value of money in such circumstances.
• Risk of Lack of liquidity: investing in this project may mean that the investor may not be able to dispose of the money invested when needed, having to pay attention to the estimated timeframe for the liquidity of the investment and obtaining the corresponding return.
• Risk of not being able to influence the management of the developer: investors, as borrowers, like any other person outside a commercial company, have no right to influence the management of the developer or its assets unless this is provided for in the investment contract, and the investment contract may influence the developer's management of the developer.
• Fraud risk: as in any other economic operation, there is a risk of fraud due to improper use of the money obtained for the project. To minimize this risk, the drawdowns of the loan amount that are delivered to the developer will be made using a company external to Housers that will check the progress of the project, making the drawdowns to the developer according to a calendar of drawdowns and after administratively verifying the fulfilment of each earlier milestone of the calendar. The amounts of the loan not drawn down by the developer while waiting to reach the next milestone of the drawdown calendar will always be in the Housers Account of the developer in the payment entity used by the platform ("Lemonway") until the developer requests the drawdown, which will be authorized by the monitoring company if the developer meets the requirements established by the monitoring company.
The invested capital is not guaranteed by the investment guarantee fund or the deposit guarantee fund.
Investment in real estate should be conducted as a diversification strategy of a larger portfolio, and investment in projects published on the Housers platform is not recommended for people who do not have sufficient knowledge to understand the risks of investing in projects published by the crowdfunding platform.
