Embarcadero del Lago


  • Purpose: to finance the costs for the start of the project and the purchase of the twenty-four plots.
  • Location: Aljaraque, Huelva (Spain).
  • Type of opportunity: loan.
  • Type: fixed rate.
  • Scoring: AA (more information here)
  • Guarantee: First-rank mortgage guarantee registered in the land registry.
  • Loan To Value (LTV): 64,17%.
  • Nominal annual interest rate: 11%.
  • Opportunity profitability: 11%.
  • Maturity: 12 months.
  • Type of capital repayment: at maturity.
  • Interest payment: quarterly.
  • Minimum investment: €300.


We present Embarcadero del Lago, a fixed-rate development that will finance the costs associated with the start of the project through the purchase of the twenty-four plots that make up the project, in the urbanisation of La Monacilla, Aljaraque, Huelva (Spain). The price of the twenty-four plots is much lower than the appraisal price or market value as the seller has reached a binding agreement with the developer to fix this price. This gives the development a large profit margin and room for manoeuvre.

The plots are located next to La Monacilla golf course, the first golf course designed by Jose Maria Olazábal in the province of Huelva. La Monacilla Golf Club occupies a privileged location, surrounded by green areas and close to the mouth of the Odiel River, being one of the reference golf courses in Andalusia. It consists of an 18-hole Championship course with a par seventy-two.

As soon as the plots are acquired, the developer will start the procedures to obtain the building permit and will start the pre-sale of the plots. The developer estimates high demand for the plots as the project is for the construction of luxury villas with high-quality materials, the area has a high demand for this type of housing and these twenty-four plots are the last ones available in this area.

The loan granted by Housers' investors to the developer is configured as a bridge loan: once the land is purchased, the building permit is obtained and a minimum volume of pre-sales is reached, the developer will request bank financing that will be used to repay the loan granted by Housers' investors. Therefore, it is not necessary the completion of the works and delivery the plots to their final recipients for the repayment of the loan. Likewise, as the Housers investors have the first-rank mortgage guarantee on the twenty-four plots, the developer is obliged to cancel the charge with the Housers investors (to give the guarantee to the bank that grants the developer loan), not being able to use the funds of the developer loan for other purposes.

Finally, it should be noted that the developer will make a cash contribution of €150,000 to the project.


Resumen financiero

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The property provided by the developer as a first-rank mortgage guarantee is the property that is the object of the project, located in the Urbanización de La Monacilla in Calle Sierra de Aracena 41, 21120 Dehesa golf Aljaraque, Huelva (Spain).

According to the valuation certificate issued by Tasasur on 01/06/2022, the current mortgage/assessment value of the described property is 1,558,181.65 €.

Therefore, the valuation of the mortgaged property on the loan is 155.81% (mortgage value 1,558,181.65 € / loan amount 1,000,000 €). The LTV (Loan to Value) of the project is 64.17% (loan amount €1,000,000 / current appraised value €1,558,181.65).


The Security Agent chosen for this project is Monk Advisor S.L., a professional firm with extensive experience in financial sectors providing advisory services and fiduciary services in the issuance of bonds, warrants or other securities. Monk Advisor S.L. is not affiliated with any financial services group.


The developer of the project is Desarrollos Urbanísticos La Ría del Rompido 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 developer is also in charge of the processing of licenses, execution projects, construction works and legalisation of buildings.

Desarrollos Urbanísticos La ría del Rompido S.L. is a group of professionals with multiples projects and collaborations in real estate developments and promotions and has a current asset of €12,894,327.96 as of 31/12/2021.

This is the first project of the developer in Housers. The developer may apply for other loans in the future through the platform to obtain financing for the realization of other projects, within the legal limits and provided that their financial situation allows it. Thus, the degree of future leverage of the company may therefore be higher.


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.


The Embarcadero del Lago project is in the urbanisation of La Monacilla in the municipality of Aljaraque, Huelva, Spain. 

Aljaraque is located on the right bank of the river Odiel, between the municipalities of Gibraleón and Huelva, about 10km from the capital of the province. It is situated at the foot of the A-49 motorway, in the direction of the beaches of Punta Umbría, with particularly good road communications with Huelva and the surrounding municipalities. The municipality has become a dormitory town of Huelva, with a current population of 21,706 inhabitants. 

The municipality has all the services that can be expected of its population: 

  • Schools.
  • Supermarkets.
  • Sports and health centres. 
  • In addition to a wide range of leisure activities.

The plots are located at the northern end of the development, right on the border with the protected area of the Marismas del Odiel, a protected area designated as a UNESCO biosphere reserve. It is a residential area five hundred metres from the La Monacilla golf course, one of the most important golf courses in Andalusia.



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% + VAT being the commission financed within the opportunity.


Housers follows the law 5/2015 and is authorised by the CNMV as a Participatory Financing Platform registered under number 20.

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.

Both the financing aim and the maximum term to invest in this opportunity may be extended by an added 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.


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 art. 61 of Law 5/2015 on the Promotion of Entrepreneurial Financing, Housers proceeds to inform the investor of the risks that he/she will run by 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.

Promo Developer: Link

Huelva | 1 building
Project Funded
Funded capital:
1,000,000 €
Financing goal:
1,000,000 €
12 months
Development loan
64.17 %
Annual yield:
11.00 %
Total yield:
11.00 %
Minimum investment:
300 €
Without incidence
Visible only to investors in the opportunity.