The promoter of this opportunity, Grupo Intur Promociones Inmobiliarias, specializes in the development of exclusive residential architecture, distinguishing itself with a customer-oriented management model that offers finalist and highly customizable homes through design and equipment packages. With a consolidated presence in the markets of Huelva, Cadiz and Malaga, the company accredits its execution capacity with more than 150 homes delivered in the last decade. Currently, the firm is in full expansion phase, managing a portfolio of 206 units under execution projected for the next three years.

The entry of Urbanitae investors is articulated through the granting of a single tranche loan intended to pay the last outstanding payment of the land. This operation offers a fixed annual rate of 10.0% with a minimum guaranteed return period of 10 months. The return of capital and the exit of investors will be executed by combining the provisions of the bank developer loan —subject to the certifications of progress of work and sales— with the funds available in the special customer account.

The risk profile of the operation is very limited due to the advanced state of maturity of the project in all its areas. The promoter holds the ownership of the land, with a last deferred payment pending that will be settled with this financing, has a building license granted and has signed the developer loan with a top-tier banking entity. From a technical point of view, construction has already begun and has passed the foundation phase, thus eliminating the most critical construction uncertainty. Commercially, the promotion has 75 units sold under a purchase contract, which ensures 70% of the total project.

STRUCTURE

This operation is structured via debt, by granting a fixed-rate loan to the company INTUR HUELVA INVERSIONES, S.L., under the following conditions:

• Amount and Purpose: The total amount is €1,285,000, disbursed in a single tranche intended to make the last outstanding payment of the land.

• Term and Settlement: The loan has a duration of 12 months. Both the principal and the accrued interest (from the formalization) will be paid together at maturity (bullet system).

• Early Repayment: Total cancellation of the loan is allowed at any time. However, a minimum guaranteed return equivalent to 10 months of interest is established for the investor.

• Guarantees: The contract stipulates a convertibility clause in case of default, by which the outstanding debt would be transformed into shares of the company (equity) for a value equivalent to the outstanding balance.

WHY INVEST?

There are several reasons to invest in this project: 

• New Construction Project in strategic location: Residential development in the Ensanche Sur de Huelva, a consolidated expansion area with high demand and a deficit of quality stock.

• High level of commercialization: The commercial risk is drastically reduced, with 75 of the 106 homes already sold under a purchase contract, which guarantees 70% of the promotion before the entry of investors.

• Legal and financial security: The project has the building license granted, the ownership of the land secured and the developer loan already signed with a top-tier banking entity.

• Mitigated technical risk: The works have begun and present a 10% progress, having already completed the foundation phase, which eliminates the most critical construction uncertainty of the development.

• Promoter's Track Record: The project is led by Grupo Intur, a company with extensive experience in Andalusia, more than 150 homes delivered in the last decade and 206 units currently under execution.

• Profitability and protection: The operation offers a fixed rate of 10.0% per year, with a security mechanism that guarantees the investor a minimum return equivalent to 10 months of interest.

MARKET

Despite the commercial success of the promotion being more than proven by its 70% pre-sale advance, a market study has been carried out to determine whether the sale prices proposed by the developer are reasonable.

There is information available about the market within the "Sales Witnesses" documentation, where you will find a list of homes for sale in the area, and in "Appraisal Society Report", where you will find a study carried out by the Appraisal Society, a company registered in the Registry of Entities specialized in appraisal of the Bank of Spain with the number 4301.

WHEN WILL I RECOVER THE INVESTED MONEY?

The estimated term of this project is 12 months.

• Fourth quarter 2025 – grant of the loan from Urbanitae investors.

• Second quarter 2026 – 30% progress of the work.

• Fourth quarter 2026 – 50% progress of the work.

• Fourth quarter 2026 – loan repayment.

It is important to bear in mind that in all real estate development, the deadlines can vary both upwards and downwards.

RISKS

All investment carries risks. Below, we detail the specific risks that we have identified for this project:

• Deadline risk: Possibility of delays in the execution of the work. This could delay the scheduled calendar for reaching 50% progress of the works and consequently, the repayment of the loan to investors.

• Construction cost risk: Possible unforeseen increases in construction costs (raw materials, labor, etc.) that could affect the developer's margin, although the technical risk is mitigated as the work has already started and the foundation has been executed.

• Commercial risk: Although the project has a 70% pre-sale, there is a risk of a slowdown in the sale of the remaining units or possible rescissions of existing contracts, which could force price adjustments to maintain the commercial pace.

• Formalization risk: Possibility of change in the agreed conditions before signing. If substantial changes were to occur between the start of the financing campaign and the formalization of the loan, the project would be canceled and the capital contributed by the investors would be returned without costs.

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Warnings and Risks

Urbanitae Real Estate Platform S.L. (Urbanitae) does not hold the status of an investment services company, nor a credit institution and is not attached to any investment guarantee fund or deposit guarantee fund. The information published by Urbanitae Real Estate Platform on its Website is for informational purposes only and in no case can it be considered as an investment recommendation to potential investors.

The crowdfunding projects published by Urbanitae on its Website are not subject to authorization or supervision by the National Securities Market Commission or the Bank of Spain, therefore, all the information provided by the manager in relation to the projects has not been reviewed by them.

Urbanitae expressly informs that, in case of non-compliance with the total volume of project investment, the deadline for fundraising may be exceeded by up to 25%, maintaining the same investment conditions. Likewise, the project may be financed by Urbanitae when at least 90 percent of the financing objective has been reached, once the participation in the project that the platform itself may have is discounted. 

Investing in the projects published on this Website may entail certain risks, such as, the risk of total or partial loss of the invested capital, of not obtaining the expected monetary return or of lack of liquidity. Therefore, we warn investors to only invest an amount they are willing to lose and we suggest they diversify their investments to minimize and mitigate potential risks. In the event that the manager is unable to return or remunerate the funds received, Urbanitae will not return the investors their investment made.

This project will be open to any investor registered in Urbanitae, and any of the following registered persons may invest in it:

• Urbanitae partners who own at least 20% of the share capital or voting rights;

• Managers or employees of Urbanitae;

• Individuals or legal entities linked to these partners, managers or employees by control.

In this sense, Urbanitae guarantees that the investments of any of these people will be made through the platform, under the same terms and conditions as any other investor, without receiving any preferential treatment, or privileged access to information compared to the rest of the investors registered in Urbanitae. In accordance with the Internal Code of Conduct of Urbanitae, these investors are obliged to internally communicate these operations.

Once the investment in the project is closed, Urbanitae will provide information in the project investment area about the amount invested by these investors, the type of investor who has made the investment, and the percentage it represents with respect to the total financed, always complying with the data protection policy.