{"id":86471,"date":"2026-05-25T18:16:00","date_gmt":"2026-05-25T16:16:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=86471"},"modified":"2026-05-25T22:54:10","modified_gmt":"2026-05-25T20:54:10","slug":"new-project-invest-in-an-ongoing-residential-development-in-cartama","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/en\/2026\/05\/25\/new-project-invest-in-an-ongoing-residential-development-in-cartama\/","title":{"rendered":"New project: invest in an ongoing residential development in C\u00e1rtama"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"86471\" class=\"elementor elementor-86471 elementor-86461\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7bcec452 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7bcec452\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-156ac775\" data-id=\"156ac775\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13cd1f10 elementor-widget elementor-widget-text-editor\" data-id=\"13cd1f10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p>On <strong>Thursday, May 28 at 4:00 p.m. (UTC+2)<\/strong>, we will open <strong>Project C\u00e1rtama<\/strong> for investment, a new <strong>real estate debt<\/strong> opportunity in M\u00e1laga.<\/p>\n<p> <\/p>\n<p>The transaction consists of partially financing the acquisition, construction and general costs of an ongoing residential development comprising <strong>32 multi-family homes<\/strong> with parking spaces and storage rooms. The asset already has a valid building permit in place and construction progress exceeds <strong>30%<\/strong>.<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcc5 <strong>Investment opening:<\/strong> Thursday, May 28 at 4:00 p.m. (UTC+2)<\/li>\n \n<li>\ud83c\udf99 <strong>Project <a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_B8DbTPJ0SEO3M_Kx04JW7w\" target=\"_blank\" rel=\"noreferrer noopener\">webinar<\/a>:<\/strong> Tuesday, May 26 at 12:30 p.m. (UTC+2)<\/li>\n<\/ul>\n<p> <\/p>\n<p>During the webinar, we will explain all the details of the project and answer investors\u2019 questions.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">32 homes in an established residential area<\/h2>\n<p> <\/p>\n<p>The <a id=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=project_1&amp;utm_content=en_proyecto_cartama\" href=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=project_1&amp;utm_content=en_proyecto_cartama\" target=\"_blank\" rel=\"noreferrer noopener\" type=\"link\">project<\/a> is located on <strong>La Sierra Street<\/strong>, southwest of the municipality of <strong>C\u00e1rtama<\/strong>, in a quiet and well-established residential area situated around four minutes by car from the town centre.<\/p>\n<p> <\/p>\n<p>The development consists of two independent buildings containing <strong>19 and 13 homes<\/strong>, respectively. The units will feature <strong>2 and 3 bedrooms<\/strong> and will include parking spaces and storage rooms.<\/p>\n<p> <\/p>\n<p>The asset is being developed on two residential plots with a total surface area of <strong>1,643 sqm<\/strong>. The development was originally halted during the 2008 financial crisis and will now be reactivated by the manager. The structure and exterior fa\u00e7ades have already been completed, the building is in good condition and free of tenants, allowing construction works to resume once the acquisition is completed.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">C\u00e1rtama: residential growth near M\u00e1laga<\/h2>\n<p> <\/p>\n<p><a id=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=cartama_1&amp;utm_content=en_proyecto_cartama\" href=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=cartama_1&amp;utm_content=en_proyecto_cartama\" target=\"_blank\" rel=\"noreferrer noopener\" type=\"link\">C\u00e1rtama<\/a> is a municipality in the Guadalhorce Valley that has gained residential appeal thanks to its proximity to M\u00e1laga city and the Costa del Sol. Its surroundings combine tranquillity, quality of life and fast connections to the capital and other municipalities in the province.<\/p>\n<p> <\/p>\n<p>The asset is located in an area with nearby access to services, shops and major transport routes, within an environment characterised by single-family homes and low-density residential developments.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">The manager: SUBA, part of Grupo Sinerba<\/h2>\n<p> <\/p>\n<p>The project manager is <strong>SUBA<\/strong>, a developer belonging to <strong>Grupo Sinerba<\/strong>, specialised in the comprehensive development of real estate projects.<\/p>\n<p> <\/p>\n<p>The company manages the entire asset cycle, from land identification and acquisition to financing, technical development, construction and final commercialisation. Its activity includes residential development and tertiary projects \u2013 logistics, retail, hotels and <a id=\"https:\/\/blog.urbanitae.com\/en\/2026\/04\/10\/residential-rental-investment-grows-by-28-in-spain-and-flex-living-gains-prominence\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=flex_living&amp;utm_content=en_proyecto_cartama\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/04\/10\/residential-rental-investment-grows-by-28-in-spain-and-flex-living-gains-prominence\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=flex_living&amp;utm_content=en_proyecto_cartama\" target=\"_blank\" rel=\"noreferrer noopener\" type=\"link\">flex living<\/a> \u2013 with a strong presence in Andalusia and other regions of Spain.<\/p>\n<p> <\/p>\n<p>Construction works will be carried out by <strong>Bilba Constructora<\/strong>, a company belonging to the manager\u2019s group with experience in multi-family residential developments in <a id=\"https:\/\/blog.urbanitae.com\/en\/2026\/03\/02\/bulevar-360-or-how-to-achieve-a-12-7-irr-in-malaga\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=malaga&amp;utm_content=en_proyecto_cartama\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/03\/02\/bulevar-360-or-how-to-achieve-a-12-7-irr-in-malaga\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=malaga&amp;utm_content=en_proyecto_cartama\" target=\"_blank\" rel=\"noreferrer noopener\" type=\"link\">M\u00e1laga<\/a> and the Costa del Sol. This integration allows for greater control over costs, timelines and execution.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">A licensed project with advanced construction progress<\/h2>\n<p> <\/p>\n<p>Project <a id=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=cartama_2&amp;utm_content=en_proyecto_cartama\" href=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=cartama_2&amp;utm_content=en_proyecto_cartama\" target=\"_blank\" rel=\"noreferrer noopener\" type=\"link\">C\u00e1rtama<\/a> already has a <strong>valid building permit<\/strong>. The submission of the execution project to the Town Hall and payment of the corresponding fees are still pending.<\/p>\n<p> <\/p>\n<p>The developer has signed a deposit agreement, and the acquisition is expected to be completed during June. Once the acquisition has been finalised, construction works will resume and the commercialisation of the homes will begin, managed directly by the developer group through its specialised in-house sales team.<\/p>\n<p> <\/p>\n<p>The developer is committing a total of <strong>\u20ac2.26 million in equity<\/strong>, allocated to part of the acquisition and construction costs.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Total return of 18.81% over 21 months<\/h2>\n<p> <\/p>\n<p>The transaction is structured as a debt operation through a fixed-rate loan granted to the company <strong>SPV SUBA LA SIERRA, S.L.<\/strong><\/p>\n<p> <\/p>\n<p>The total loan amounts to up to <strong>\u20ac4,320,000<\/strong>, committed across three tranches and fully financed by Urbanitae investors:<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Tranche A:<\/strong> up to \u20ac1,360,000<\/li>\n \n<li><strong>Tranche B:<\/strong> up to \u20ac1,610,000<\/li>\n \n<li><strong>Tranche C:<\/strong> up to \u20ac1,350,000<\/li>\n<\/ul>\n<p> <\/p>\n<p>This opening corresponds to the financing of <strong>Tranche A<\/strong>, with the following terms:<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Amount:<\/strong> \u20ac1,360,000<\/li>\n \n<li><strong>Interest rate:<\/strong> 10.75% annual simple interest<\/li>\n \n<li><strong>Total return:<\/strong> 18.81%<\/li>\n \n<li><strong>Term:<\/strong> 21 months<\/li>\n \n<li><strong>Possible extension:<\/strong> additional 6 months<\/li>\n \n<li><strong>Repayment of principal and interest:<\/strong> at maturity<\/li>\n \n<li><strong>Minimum return:<\/strong> equivalent to 12 months of interest<\/li>\n<\/ul>\n<p> <\/p>\n<p>The portion of the loan allocated to construction financing will be disbursed through monthly construction certificates, subject to a favourable report from the <strong>Project Monitor<\/strong>.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Loan guarantees<\/h2>\n<p> <\/p>\n<p>The loan benefits from a package of guarantees consisting of:<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>First-ranking mortgage<\/strong> over the underlying asset, with mortgage liability equal to 140% of the principal amount.<\/li>\n \n<li><strong>First-ranking pledge<\/strong> over the borrower\u2019s shares.<\/li>\n \n<li><strong>First-ranking pledge<\/strong> over the borrower\u2019s bank accounts.<\/li>\n \n<li><strong>First-ranking pledge<\/strong> over the project VAT account.<\/li>\n \n<li><strong>Equity Commitment Letter<\/strong>.<\/li>\n \n<li><strong>Joint and several corporate guarantee<\/strong> granted by the group\u2019s parent company or affiliated entities, for an approximate amount of <strong>\u20ac1.6 million<\/strong>.<\/li>\n<\/ul>\n<p> <\/p>\n<p>As with all debt projects, a <strong>Project Monitor<\/strong> will oversee construction certifications, progress of the works, potential deviations in timing or costs, and approve the monthly loan disbursements.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Exit strategy<\/h2>\n<p> <\/p>\n<p>The exit for investors is expected to take place through the <strong>income generated from the sale of the homes<\/strong>.<\/p>\n<p> <\/p>\n<p>The development is already partially completed, with construction progress above 30%, and commercialisation is expected to begin in the coming months. The manager has an in-house specialised sales team and experience in residential developments across M\u00e1laga and the Costa del Sol.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-f2c6535 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f2c6535\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ee1da7f\" data-id=\"ee1da7f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b14c72d elementor-widget elementor-widget-video\" data-id=\"b14c72d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/4TLx7jsKAeQ&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-07cf682 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07cf682\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c595db\" data-id=\"2c595db\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e82b263 elementor-widget elementor-widget-text-editor\" data-id=\"e82b263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\">Why invest in Project C\u00e1rtama<\/h2>\n<p> <\/p>\n<p>These are some of the <a id=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=project_2&amp;utm_content=en_proyecto_cartama\" href=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=project_2&amp;utm_content=en_proyecto_cartama\" target=\"_blank\" rel=\"noreferrer noopener\" type=\"link\">project<\/a>\u2019s main strengths:<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Ongoing residential development<\/strong>, with construction progress above 30%.<\/li>\n \n<li><strong>Valid building permit already in place<\/strong>.<\/li>\n \n<li><strong>First-ranking mortgage guarantee<\/strong> over the asset.<\/li>\n \n<li><strong>Experienced management group<\/strong> in residential development and construction across M\u00e1laga and the Costa del Sol.<\/li>\n \n<li><strong>In-house construction company<\/strong>, reinforcing control over costs and timelines.<\/li>\n \n<li><strong>Fixed annual return of 10.75% simple interest<\/strong>, with a minimum return equivalent to 12 months of interest.<\/li>\n<\/ul>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Estimated timeline<\/h2>\n<p> <\/p>\n<p>The estimated project term is <strong>21 months<\/strong>, with the possibility of an additional 6-month extension.<\/p>\n<p> <\/p>\n<p>Main expected milestones:<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>June 2026:<\/strong> granting of the loan to partially finance the acquisition and completion of construction works.<\/li>\n \n<li><strong>Q2 2026:<\/strong> resumption of construction works and launch of commercialisation.<\/li>\n \n<li><strong>Q4 2027:<\/strong> completion of construction works.<\/li>\n \n<li><strong>Q1 2028:<\/strong> delivery of the homes and repayment of the loan to Urbanitae investors.<\/li>\n<\/ul>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">A debt transaction with advanced construction progress in M\u00e1laga<\/h2>\n<p> <\/p>\n<p>Project <a id=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=cartama_3&amp;utm_content=en_proyecto_cartama\" href=\"https:\/\/urbanitae.com\/en\/project\/P000480\/?utm_source=blog_en&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0526&amp;utm_term=cartama_3&amp;utm_content=en_proyecto_cartama\" target=\"_blank\" rel=\"noreferrer noopener\" type=\"link\">C\u00e1rtama<\/a> offers exposure to a residential development that is already underway, with a valid building permit and a reinforced guarantee structure. The advanced stage of construction, the experience of the management group and the limited supply of new-build housing in the area are all relevant elements within the investment thesis.<\/p>\n<p> <\/p>\n<p>The transaction opens for investment on <strong>Thursday, May 28 at 4:00 p.m. (UTC+2)<\/strong>.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Do you have questions about the project?<\/h2>\n<p> <\/p>\n<p>You can ask your questions during the <strong><a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_B8DbTPJ0SEO3M_Kx04JW7w\" target=\"_blank\" rel=\"noreferrer noopener\">webinar<\/a> on Tuesday, May 26 at 12:30 p.m. (UTC+2)<\/strong>.<\/p>\n<p> <\/p>\n<p>You can also email us at <strong><a href=\"mailto:contacto@urbanitae.com\" target=\"_blank\" rel=\"noreferrer noopener\">contacto@urbanitae.com<\/a><\/strong> or call us on <strong>(+34) 911 23 25 22<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financing of an ongoing residential development in C\u00e1rtama, with 32 homes, valid building permit, more than 30% of construction completed and mortgage security.<\/p>\n","protected":false},"author":1,"featured_media":86470,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1076,926],"tags":[1167,2104,1953,888],"class_list":["post-86471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt","category-projects","tag-andalousie","tag-inversion-inmobiliaria","tag-real-estate-crowdlending","tag-residential-sector"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Real estate debt in C\u00e1rtama at 10.75% annual return<\/title>\n<meta name=\"description\" content=\"Invest in real estate debt in C\u00e1rtama at 10.75% annually: a 32-home residential development with valid building permit and advanced construction progress.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/05\/25\/new-project-invest-in-an-ongoing-residential-development-in-cartama\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New project in C\u00e1rtama at 10.75% annual return\" \/>\n<meta property=\"og:description\" content=\"The C\u00e1rtama Project offers a real estate debt investment to finance an ongoing residential development in M\u00e1laga, with and advanced 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name=\"twitter:creator\" content=\"@urbanitae\" \/>\n<meta name=\"twitter:site\" content=\"@urbanitae\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Equipo Urbanitae\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/2026\\\/05\\\/25\\\/new-project-invest-in-an-ongoing-residential-development-in-cartama\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/en\\\/2026\\\/05\\\/25\\\/new-project-invest-in-an-ongoing-residential-development-in-cartama\\\/\"},\"author\":{\"name\":\"Equipo 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