Villas de Berja


  • Purpose: the loan will finance construction and other associated costs for the real estate development of 2 single-family houses.
  • Type of opportunity: loan.
  • Type: fixed rate.
  • Scoring: A (more information here)
  • Nominal annual interest rate: 8%.
  • Profitability of the opportunity: 12%.
  • Maturity: 18 months.
  • Type of capital repayment: at maturity.
  • Interest payment: quarterly.
  • Loan To Value (LTV): 65.89%.
  • Extensive developer experience.



We present Villas de Berja, a fixed-rate development. The project consists of financing, construction costs and other associated costs, for the real estate development of a development of 2 single-family homes. The total project consists of 5 dwellings, 3 of which are already finished and sold, and they are requesting financing for the construction of the last 2 dwellings.

The dwellings are distributed in:

First Floor

•          Entrance

•          Corridor

•          Kitchen

•          Living - Dining room

•          3 bedrooms

•          2 bathrooms

In addition, the dwellings are equipped with a series of outdoor spaces (porches, terraces, laundry rooms and patios). These complete the programme and allow for adequate natural lighting and ventilation, aspects that are enhanced by a body of light that rises above the staircase.

All this forms the first floor around a central distributor, with the living room and master bedroom on the façade, the kitchen and the two bedrooms on the other side and the bathrooms between the two orientations.

Ground Floor

On the ground floor, the configuration is diaphanous as it is mostly occupied by the garage together with a bathroom. On this floor is the entrance to the house.

The total built-up area of the development is 365.96 m2.

The building permit was granted by the El Ejido town council on 19 April 2019.

The plot is in property, the total project consists of 5 dwellings of which 3 are already finished and sold and delivered and is requesting financing to finish the construction of the other 2.

The developer has extensive experience in this type of development in the area.

This loan of €150,000 corresponds to the first tranche of a project of €240,000 (2 tranches are planned in total).

Image gallery


The property with mortgage guarantee is a building of 2 Attached Single-Family Dwellings of 2 floors above ground level. Situated in Calle ZETA, Nº 8 Y 10 (VIVIENDAS 1 Y 2), in the municipality of Ejido (El), province of ALMERIA (04700).

According to the valuation certificate issued by the Technical Services of TINSA on 23/07/2021, the current MORTGAGE/APPRAISAL VALUE of the property described below is 227,624.02 Euros (TWO HUNDRED AND TWENTY-SEVEN THOUSAND SIX HUNDRED AND TWENTY-FOUR EUROS AND TWO CENTS).

Therefore, the valuation of the mortgaged property on the loan is 151% (mortgage value 227,624.02€/loan amount 150.000€). 


The chosen guaranteed Agent is Bondholders, a 25+-year-old professional firm providing independent corporate trust and loan agency services. Bondholders is not affiliated with any financial services group. They currently meet the requirements of several international jurisdictions including Spain, Portugal, Italy, England, or New York.

They have extensive experience in financial sectors (Bankia, Santander, Deutsche Bank, ...) and in various sectors (FC Barcelona, El Corte Inglés, Vista Alegre, TAP Portugal, Telefónica...).


The developer company is VILLAS DE BERJA S.L., constituted on the 29th of September 2015, a company belonging to the construction sector, in the branch of building both new construction and reforms, rehabilitation and maintenance, having the necessary experience to satisfy all the needs of the client.


The monitoring company PROYECTOS CIGA will carry out the monitoring of this project, having permanent control of the destination of the capital provided by the investors and delivering this capital to the developer according to an agreed schedule after delivery of justification of compliance with certifications. To this end, the developer and the monitoring company will open a escrow account where the funds financed by the investors will be transferred in such a way that each provision to the developer must be justified to the monitoring company and therefore the full amount of the loan will not be delivered to the developer at once.


El Ejido is a municipality and city of Spain, in the province of Almería, an autonomous community of Andalusia. It is in the region of Western Almeriense. In 2020 it had 83,758 inhabitants and was the third most populated municipality in the province of Almería, after Almería and Roquetas de Mar.

The plot is situated on the south-western boundary of the urban centre of El Ejido, in a widening area. Demanded by the current situation of Covid.

It is fully equipped:

•           Commercial

•           Sports

•           School

•           Social Welfare

•           Religious

•           Parking

•           Recreational

•           Large green areas



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 5,5% + VAT being the commission financed within the opportunity.


Housers is neither a credit institution nor 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 provide financial advice, so nothing on this website should be construed as such. The information on this page is for general information purposes only and does not constitute specific advice.

The equity financing projects published on the website are not subject to authorization or supervision by the CNMV, 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 project developer is responsible vis-à-vis the investors for the information he has provided to the crowdfunding platform for publication within the project on the website.

Both the financing objective and the maximum term to invest in this opportunity may be extended by an additional 25% to the initially planned term, following Law 5/2015, of 27 April, on the promotion of business financing. Likewise, Housers will be able to close the financing of this opportunity/project when it has been 90% financed.  These possibilities that the legislation offers to the platform will be used when the typology and characteristics of the project make it advisable so that the execution deadlines are not prejudiced. You can find more information here.


Investment in this project involves the risk of total or partial loss of the invested capital, the risk of not obtaining the expected monetary return and the risk of illiquidity to recover the investment.

The invested capital is not guaranteed by the investment guarantee fund or the deposit guarantee fund.

Investing in real estate should be done as part of a diversified portfolio. Investing in Housers is intended for people with sufficient knowledge to understand the risks of investing in start-ups.

Almeria | 1 building
Project Funded
Financed capital:
150,000 €
Financing goal:
150,000 €
18 months
Development loan
65.89 %
Annual yield:
8.00 %
Total yield:
12.00 %
Minimum investment:
100 €
Without incidence
Visible only to investors in the opportunity.