URBIX PSFP, S.L. complies with Regulation (EU) 2020/1503 on European providers of participatory financing services and with Title V of Law 5/2015, as amended by Law 18/2022.The Entity is authorized by the CNMV as a Participatory Finance Service Provider and is listed in its public register, under number 27.

 

Before investing, we recommend you to read the basic information for investor clients; if you are not an experienced investor, remember that you have a pre-contractual reflection period of 4 calendar days, by which you can withdraw from your investment. Remember that this sheet does not replace the Fundamental Investment Data Sheet (FDFI).

Description

An investment opportunity backed by real assets, high credit rating and excellent profitability.

GUADALAJARA - Pozo de Guadalajara (LMC ARCHITECTURE & DEVELOPMENT SL)

Offer Code = 959800QQRKZTN6BFSB49160120260001

We present the following Opportunity in Guadalajara.

The Participating Financing Offering consists of a Secured Bridge Loan, whose sponsor is LMC ARCHITECTURE & DEVELOPMENT S.L. and is located in Guadalajara.

The asset was acquired on June 24, 2022 from the SOCIEDAD DE GESTIÓN DE ACTIVOS PROCEDENTES DE LA REESTRUCTURACIÓN BANCARIA, S.A. (SAREB) through a sale and purchase for an amount of 531,000 euros (plus expenses and taxes) of a total of 79 urban plots, of which 16 have already been built in Phase 1 and another 17 of Phase 2 are already sold, in the process of construction and are expected to be completed throughout 2026.

The Mortgage Loan has been considered for a term of 12 months, for a maximum amount of 250,000 euros (although it will open with 100,000 euros and will be extended in tranches of 50.50,000) and is intended to: release part of the equity already contributed by the Developer and to finance part of the technical costs (architecture, fees, building permit, etc.) to start construction in the fourth quarter of 2026, at which time the Developer plans to continue with the development, leveraged on a new Developer Loan.

The repayment of this Bridge Loan will be made with the funds obtained from the deliveries of Phase 1 homes, which are already in the delivery phase to their buyers.

The key data of the loan are:

• Rating = AA
• Capital = maximum 250,000 euros
• Collateral = First Rank Mortgage (GH1R) + Pledge Credit and Social Shares.
• Annual NIR to investors = 12.00%.
• Total NIR = 12% (not considering the extension)
• Term = 12 months (with a possible extension of 3 months at + 1.5% NIR)
• Mandatory compliance = 6 months
• Principal Repayment = At maturity of the Loan
• Interest payment = At maturity of the Loan