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Nueva Alcayna


PROJECT SUMMARY


  • Purpose:: financing for the purchase of 4 plots of land, plus construction and other associated costs, for the real estate development of a 90 single-family housing project in Molina de Segura, Murcia (Spain).
  • Type: loan
  • Type of opportunity: fixed rate.
  • Scoring: A (more information here)
  • Nominal annual interest rate: 8%.
  • Return on the opportunity: 8%.
  • Maturity: 12 months.
  • Type of capital repayment: at maturity.
  • Interest payment: quarterly.
  • Loan To Value (LTV): 68.47%.


PROJECT

We present Nueva Alcayna, a fixed rate development with mortgage guarantee. The project consists of financing the purchase of 4 plots plus construction costs and other associated expenses, for the real estate development of a project of 90 single-family homes in Molina de Segura, Murcia (Spain), of which Housers investors will finance the purchase and expenses associated with the development of 4 of them: plots 6, 8, 10 and 12.

The Nueva Alcayna urbanization will be composed of intelligent villas with landscaped areas, fully furnished, with heating and air conditioning, domotized and built with recycled and ecological materials, following a careful policy of sustainability and care for the environment. 

The villas will be of modern style distributed in:

  • 4 bathrooms
  • Kitchen
  • Living - Dining room
  • Basement
  • Swimming pool

The total built area of the development is about 1.480 m2.

The segregation license was granted by the town hall of Molina de Segura on 5th November 2020.

Image gallery


Floorplan




DESCRIPTION OF THE MORTGAGE GUARANTEE

The properties subject to this project, located at Calle Fuenteblana nº6, plot 6, 8, 10 and 12 in Molina de Segura, Murcia (Spain), will be mortgaged by the developer as security for the loan.

According to the valuation certificate issued by Arquitasa on 18/10/2021, the current valuation of the mortgaged property amounts to 657,212.78€ (six hundred and fifty-seven thousand two hundred and twelve- and seventy-eight-euro cents).

Therefore, the appraised value of the mortgaged property constitutes a guarantee for 146% of the loan (mortgage value €657,212.78 / loan amount €450,000).


GUARANTEE AGENT

El Agente de Garantías elegido es Bondholders, una firma profesional con más de 25 años de antigüedad que proporciona servicios de agencia de préstamos y fideicomiso corporativo independientes. Bondholders no está afiliada a ningún grupo de servicios financieros. Actualmente cumplen los requisitos de diversas jurisdicciones internacionales, entre ellas: España, Portugal, Italia, Inglaterra o Nueva York. Cuentan con amplia experiencia en sectores financieros (Bankia, Santander, Deutsche Bank, ...) y en diversos sectores (F.C. Barcelona, El Corte Inglés, Vista Alegre, TAP Portugal, Telefónica...).


DEVELOPER

The development company, LOS LAGOS FILIAL INMOBILIARIA SLU, is a wholly owned subsidiary of the parent company, LAGO BRAVO ENTERPRISE S.L., a company linked to the real estate development and construction sectors for more than 20 years. Its main areas of activity are the acquisition, holding, exploitation and disposal of all kinds of properties, including the development, planning and urbanization of land, its division into plots, disposal of plots, construction of housing and any type of buildings.


PROJECT MONITORING

The company specialized in monitoring PROYECTOS CIGA will carry out the monitoring of this project, having permanent control of the destination of the capital contributed 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 an 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.


LOCATION

The plots to be financed are located in the urbanization La Alcayna, Molina de Segura, Murcia (Spain). This urbanization, located 15 minutes from Murcia and 10 minutes from Molina de Segura, has become since 1978 a reference area in the province for its environment and integration with nature, with more than 1 million m2 of green areas and very close to Coto Cuadros, a recreational and environmental education area. 

The urbanization has the following services in the urbanization itself or close to it:


  • Private security.
  • Health center.
  • Sports center.
  • Swimming pool.
  • School.
  • Supermarket.
  • Restaurants.
  • Stores.
  • Pharmacy.
  • Church.
  • Bank offices.
  • Veterinarians.
  • Urban transport to Murcia and Molina de Segura.

Location




PROJECT FEE

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 8% + VAT being the commission financed within the opportunity.


WARNINGS

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 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 authorization 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.

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 (see here). 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.


RISKS

Investment in this project involves the risk of total or partial loss of the invested capital, the risk of not obtaining the expected cash 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 must 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.


Murcia | 1 building
ES
Phase:
Funding
203,298 € (45.18 %)
450,000 €
407 Investors
37 days left
Term:
12 months
Type:
Development loan
LTV:
68.47 %
Annual yield:
8.00 %
Total yield:
8.00 %
I want to invest

Funding started

November 5, 2021