{"id":90758,"date":"2026-09-07T17:27:50","date_gmt":"2026-09-07T15:27:50","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=90758"},"modified":"2026-09-07T17:35:24","modified_gmt":"2026-09-07T15:35:24","slug":"alcala-4-golf-ii-debt-at-10-annual-return-for-a-luxury-villa-in-marbella","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/en\/2026\/09\/07\/alcala-4-golf-ii-debt-at-10-annual-return-for-a-luxury-villa-in-marbella\/","title":{"rendered":"Alcal\u00e1 4 Golf II: debt at 10% annual return for a luxury villa in Marbella"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"90758\" class=\"elementor elementor-90758 elementor-90737\" 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-39363628 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"39363628\" 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-38935a8e\" data-id=\"38935a8e\" 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-7c7e1ead elementor-widget elementor-widget-text-editor\" data-id=\"7c7e1ead\" 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>Next\u00a0<b>Thursday, 10 September at 16:00 h (UTC+2)<\/b>, we will open <a href=\"https:\/\/urbanitae.com\/en\/project\/P000513\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>the Alcal\u00e1 4 Golf II project<\/strong><\/a> for investment, the second tranche of a loan intended to partially finance the construction costs and general costs of a luxury villa in <strong>Nueva Andaluc\u00eda<\/strong>, Marbella.<\/p><p><a href=\"https:\/\/urbanitae.com\/en\/project\/P000387\/\" target=\"_blank\" rel=\"noreferrer noopener\">The first tranche<\/a> was formalised in September 2025 and financed part of the asset\u2019s construction. Now, the second tranche will allow the works to continue. Construction began in April 2025 and currently stands at around <strong>42%<\/strong> completion.<\/p><p>The transaction is structured as debt, with a fixed interest rate of <strong>10.0% simple annual interest<\/strong>, a term of <strong>12 months<\/strong> and a minimum return equivalent to <strong>12 months of interest<\/strong>.<\/p><ul><li><strong>Opening for investment:<\/strong> Thursday, 10 September at 16:00 h (UTC+2)<\/li><li><strong>Project webinar:<\/strong> There will be no project webinar.<\/li><\/ul><h2>A luxury villa in Nueva Andaluc\u00eda<\/h2><p><a href=\"https:\/\/blog.urbanitae.com\/en\/2025\/08\/19\/new-debt-opportunity-in-marbella-with-10-5-annual-return\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alcal\u00e1 4 Golf<\/a> consists of the development of a detached single-family home located in <strong>Nueva Andaluc\u00eda<\/strong>, one of Marbella\u2019s most consolidated residential areas.<\/p><p>The villa is distributed over four levels on a plot of <strong>1,458 m\u00b2<\/strong> and will have a total built area of <strong>1,468 m\u00b2<\/strong>. The project includes <strong>5 bedrooms, 6 bathrooms, an outdoor swimming pool, underground parking, a garden, and views of the golf course and mountains<\/strong>.<\/p><p>The basement floor will be used for leisure spaces, including a wine cellar, games room, gym and spa, in line with the asset\u2019s positioning within the luxury residential segment of the Costa del Sol.<\/p><h2>A location linked to golf and the prime market<\/h2><p>The asset is located in Nueva Andaluc\u00eda, in the municipality of Marbella. It is a high-end residential area, characterised by its privacy, natural surroundings and good connections to Marbella, Puerto Ban\u00fas and other key locations on the Costa del Sol.<\/p><p>The property will have views of <strong>Real Club de Golf Las Brisas<\/strong> and is less than 5 minutes from three other golf courses. This location reinforces the asset\u2019s appeal for national and international buyers interested in Marbella\u2019s prime residential market.<\/p><h2>The manager: Cogitari Homes<\/h2><p>The manager of the <a href=\"https:\/\/urbanitae.com\/en\/project\/P000513\/\" target=\"_blank\" rel=\"noreferrer noopener\">project<\/a> is <strong>Cogitari Homes<\/strong>, a real estate group specialising in the design and development of exclusive residential projects, mainly on the Costa del Sol.<\/p><p>The company was founded by Lars Christensen, who has more than <strong>30 years of experience<\/strong> in the real estate sector in Denmark and on the Costa del Sol. Cogitari Homes has developed more than <strong>15 projects<\/strong> and has experience in luxury homes in Marbella, Benahav\u00eds and M\u00e1laga.<\/p><p><a href=\"https:\/\/urbanitae.com\/en\/project\/P000513\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alcal\u00e1 4 Golf<\/a> is the fifth project financed by Urbanitae investors together with Cogitari Homes, after Villa Alcal\u00e1, Gate 3, Pinares de San Ant\u00f3n and Hills 14.<\/p><h2>Works underway and 42% completion<\/h2><p>The project has a <strong>building permit granted in November 2024<\/strong> for the construction of a single-family home with a swimming pool.<\/p><p>Works began in April 2025 and the current level of completion stands at around <strong>42%<\/strong>. The financing from the second tranche will be used to continue executing the works over the next six months, as well as to cover certain general and structuring costs.<\/p><p>The part of the loan allocated to financing the works will be drawn down through monthly certifications, always subject to a favourable report from the <strong>Project Monitor<\/strong>.<\/p><h2>10% annual return and 12-month term<\/h2><p>The transaction is structured as debt, through a fixed-rate loan. The total loan amounts to up to <strong>5,100,000 euros<\/strong> and is structured in three tranches:<\/p><ul><li><strong>First tranche:<\/strong> up to 2,185,000 euros, formalised in September 2025.<\/li><li><strong>Second tranche:<\/strong> up to 1,955,000 euros, corresponding to this opening.<\/li><li><strong>Third tranche:<\/strong> up to 960,000 euros, of which 860,000 euros will be raised through Urbanitae and 100,000 euros will be contributed by external co-investors.<\/li><\/ul><p>The main characteristics of the <a href=\"https:\/\/urbanitae.com\/en\/project\/P000513\/\" target=\"_blank\" rel=\"noreferrer noopener\">second tranche<\/a> are:<\/p><ul><li><strong>Urbanitae amount:<\/strong> 1,955,000 euros<\/li><li><strong>Interest rate:<\/strong> 10.0% simple annual interest<\/li><li><strong>Term:<\/strong> 12 months<\/li><li><strong>Possible extension:<\/strong> additional 6 months<\/li><li><strong>Minimum return:<\/strong> equivalent to 12 months of interest<\/li><li><strong>Principal and interest payment:<\/strong> at maturity<\/li><\/ul><p>The second tranche will be used to finance construction costs and general costs amounting to <strong>1,798,535 euros<\/strong> for the development of the works over the next six months, as well as structuring costs of <strong>156,465 euros<\/strong>.<\/p><h2>Loan guarantees<\/h2><p>The loan has a guarantee package consisting of:<\/p><ul><li><strong>First-ranking mortgage<\/strong> over the property being financed, with mortgage liability of 150%.<\/li><li><strong>First-ranking pledge<\/strong> over the shares of the borrowing company.<\/li><li><strong>First-ranking pledge<\/strong> over the project\u2019s bank accounts.<\/li><li><strong>Sale mandate<\/strong> in favour of Urbanitae investors.<\/li><li><strong>Capital commitment letter<\/strong> from the developer to ensure additional equity contributions to the project.<\/li><\/ul><p>The sale mandate will be activated in month 24 if no extension takes place, in month 36 in the event of an extension, or in the event of any loan default.<\/p><p>As in all debt projects, the figure of the Project Monitor is included. The Project Monitor will review the works certifications, construction progress, possible deviations in timing and cost, and approve the monthly loan disbursements.<\/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-d1e3fc4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1e3fc4\" 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-9aa87e2\" data-id=\"9aa87e2\" 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-41e53e7 elementor-widget elementor-widget-video\" data-id=\"41e53e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/ftKdpQhATY4&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-0008b8b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0008b8b\" 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-081966b\" data-id=\"081966b\" 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-c692b1f elementor-widget elementor-widget-text-editor\" data-id=\"c692b1f\" 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\">Exit strategy<\/h2><p>The expected exit for Urbanitae investors will take place through the <strong>sale of the villa<\/strong>.<\/p><p>The asset will be marketed by a leading real estate agency on the Costa del Sol on an exclusive basis. As is customary with this type of asset, the marketing period will begin when the works reach a sufficient level of completion, at around <strong>50%-60%<\/strong>.<\/p><p>The schedule envisages completion of construction, sale of the villa and repayment of the loan between the third and fourth quarters of 2027.<\/p><h2 class=\"wp-block-heading\">Why invest in the Alcal\u00e1 4 Golf II project<\/h2><p>These are some of the main strengths of the <a href=\"https:\/\/urbanitae.com\/en\/project\/P000513\/\" target=\"_blank\" rel=\"noreferrer noopener\">transaction<\/a>:<\/p><ul class=\"wp-block-list\"><li><strong>Luxury villa in Nueva Andaluc\u00eda<\/strong>, one of Marbella\u2019s prime residential areas.<\/li><li><strong>Golf-related location<\/strong>, with views of Real Club de Golf Las Brisas.<\/li><li><strong>Works underway<\/strong>, with a level of completion close to 42%.<\/li><li><strong>First-ranking mortgage<\/strong> over the underlying asset.<\/li><li><strong>Mortgage liability of 150%<\/strong> over the property being financed.<\/li><li><strong>Fixed return of 10.0% simple annual interest<\/strong>, with a minimum return equivalent to 12 months of interest.<\/li><li><strong>Experienced manager<\/strong> in luxury residential products in Marbella and the Costa del Sol.<\/li><li><strong>Fifth project financed together with Cogitari Homes<\/strong> on the platform.<\/li><li><strong>Project Monitor<\/strong> to supervise certifications, construction progress and disbursements.<\/li><\/ul><h2 class=\"wp-block-heading\">Estimated timeline<\/h2><p>The estimated term of the second tranche is <strong>12 months<\/strong>, with a possible 6-month extension.<\/p><p>The main expected milestones are:<\/p><ul class=\"wp-block-list\"><li><strong>September 2025:<\/strong> granting of the first tranche to partially finance construction.<\/li><li><strong>September 2026:<\/strong> granting of the second tranche and continuation of the works.<\/li><li><strong>Third &#8211; fourth quarter of 2027:<\/strong> completion of works, sale of the villa and expected repayment of the loan to Urbanitae.<\/li><\/ul><p>As with any real estate investment, timelines may vary depending on the actual progress of the works, marketing and market conditions.<\/p><h2 class=\"wp-block-heading\">Do you have questions about the project?<\/h2><p><a href=\"https:\/\/urbanitae.com\/en\/project\/P000513\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Alcal\u00e1 4 Golf II<\/strong><\/a> will open for investment on <strong>Thursday, 10 September at 16:00 h (UTC+2)<\/strong>.<\/p><p>You can also write to 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>Alcal\u00e1 4 Golf II finances the second tranche of a debt operation for a luxury villa in Nueva Andaluc\u00eda, Marbella, with construction 42% complete, a first-ranking mortgage, a 12-month term and a minimum return equivalent to 12 months of interest.<\/p>\n","protected":false},"author":1,"featured_media":90771,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1076,926],"tags":[1953,2104,2060],"class_list":["post-90758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt","category-projects","tag-real-estate-crowdlending","tag-real-estate-investment-2","tag-vivienda-de-lujo-en"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Invest in real estate debt in Marbella: Alcal\u00e1 4 Golf II<\/title>\n<meta name=\"description\" content=\"Discover how to invest in real estate debt in Marbella with Alcal\u00e1 4 Golf II: luxury villa, 42% complete and a first-ranking mortgage.\" \/>\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\/09\/07\/alcala-4-golf-ii-debt-at-10-annual-return-for-a-luxury-villa-in-marbella\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alcal\u00e1 4 Golf II: luxury villa in Marbella at 10% annually\" \/>\n<meta property=\"og:description\" content=\"A new debt opportunity for a luxury villa in Nueva Andaluc\u00eda, with construction 42% complete, a first-ranking mortgage and a fixed 10% annual return. 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Invest in real estate debt in Marbella: Alcal\u00e1 4 Golf II. Investir en dette immobili\u00e8re \u00e0 Marbella : Alcal\u00e1 4 Golf II. Investire nel debito immobiliare a Marbella: Alcal\u00e1 4 Golf II. Investir em d\u00edvida imobili\u00e1ria em Marbella: Alcal\u00e1 4 Golf II. 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