{"id":88659,"date":"2026-07-14T18:17:50","date_gmt":"2026-07-14T16:17:50","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=88659"},"modified":"2026-07-14T18:22:17","modified_gmt":"2026-07-14T16:22:17","slug":"arcilla-dette-a-11-par-an-pour-31-maisons-mitoyennes-a-gerone","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2026\/07\/14\/arcilla-dette-a-11-par-an-pour-31-maisons-mitoyennes-a-gerone\/","title":{"rendered":"Arcilla : dette \u00e0 11 % par an pour 31 maisons mitoyennes \u00e0 G\u00e9rone"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"88659\" class=\"elementor elementor-88659 elementor-88644\" 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-364887b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"364887b\" 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-139bfef8\" data-id=\"139bfef8\" 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-ace1520 elementor-widget elementor-widget-text-editor\" data-id=\"ace1520\" 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>Le prochain <strong>jeudi 16 juillet \u00e0 16 h 00 (UTC+2)<\/strong>, nous ouvrirons \u00e0 l\u2019investissement <strong>le projet Arcilla<\/strong>, une nouvelle opportunit\u00e9 de dette immobili\u00e8re \u00e0 Llers, G\u00e9rone.<\/p>\n<p> <\/p>\n<p>L\u2019op\u00e9ration consiste en l\u2019octroi d\u2019un pr\u00eat destin\u00e9 \u00e0 financer partiellement les co\u00fbts de construction et les frais g\u00e9n\u00e9raux d\u2019une promotion de <strong>31 maisons mitoyennes<\/strong> situ\u00e9e \u00e0 Els Hostalets, dans la commune de Llers, dans l\u2019Alt Empord\u00e0.<\/p>\n<p> <\/p>\n<p>Le projet dispose d\u00e9j\u00e0 d\u2019un <strong>permis de construire accord\u00e9<\/strong>, de 5 r\u00e9servations \u2013 soit 16 % du total \u2013 et d\u2019une structure de garanties renforc\u00e9e. Celle-ci comprend une hypoth\u00e8que de premier rang sur l\u2019actif et une garantie suppl\u00e9mentaire sur une deuxi\u00e8me promotion du promoteur.<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcc5 <strong>Ouverture \u00e0 l\u2019investissement :<\/strong> jeudi 16 juillet \u00e0 16 h 00 (UTC+2)<\/li>\n \n<li>\ud83c\udf99 <a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_AipGaAWIQj-s5AkI5LHImw\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Webinaire<\/strong><\/a> <strong>du projet :<\/strong> mercredi 15 juillet \u00e0 12 h 00 (UTC+2)<\/li>\n<\/ul>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">31 maisons mitoyennes \u00e0 Llers<\/h2>\n<p> <\/p>\n<p>Le <a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000497\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=projet_1&amp;utm_content=fr_proyecto_arcilla\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"link\" data-id=\"https:\/\/urbanitae.com\/fr\/projet\/P000497\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=projet_1&amp;utm_content=fr_proyecto_arcilla\">projet<\/a> pr\u00e9voit la construction de <strong>31 maisons mitoyennes<\/strong> r\u00e9parties en 6 blocs, avec des espaces paysagers et une piscine, sur une parcelle de <strong>5 949 m\u00b2<\/strong>.<\/p>\n<p> <\/p>\n<p>Les logements disposeront de <strong>3 ou 4 chambres<\/strong>, de 3 salles de bains, d\u2019un patio priv\u00e9 et d\u2019un parking ext\u00e9rieur. Chaque unit\u00e9 aura une surface construite approximative de <strong>135 m\u00b2<\/strong>, r\u00e9partie sur deux niveaux hors sol.<\/p>\n<p> <\/p>\n<p>Au total, la promotion repr\u00e9sente 4 177 m\u00b2 construits et s\u2019adresse \u00e0 une <a href=\"https:\/\/blog.urbanitae.com\/fr\/2026\/06\/11\/residentiel-prime-en-espagne-moins-de-volume-plus-de-qualite\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=demande_residentielle&amp;utm_content=fr_proyecto_arcilla\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"link\" data-id=\"https:\/\/blog.urbanitae.com\/fr\/2026\/06\/11\/residentiel-prime-en-espagne-moins-de-volume-plus-de-qualite\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=demande_residentielle&amp;utm_content=fr_proyecto_arcilla\">demande r\u00e9sidentielle<\/a> familiale dans un environnement bien connect\u00e9 \u00e0 Figueres, \u00e0 la Costa Brava et au sud de la France.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Un emplacement connect\u00e9 \u00e0 Figueres, \u00e0 la France et \u00e0 la Costa Brava<\/h2>\n<p> <\/p>\n<p>L\u2019actif est situ\u00e9 \u00e0 <strong>Els Hostalets<\/strong>, un environnement r\u00e9sidentiel au sein de la commune de <strong>Llers<\/strong>, dans la r\u00e9gion de l\u2019Alt Empord\u00e0.<\/p>\n<p> <\/p>\n<p>L\u2019emplacement se trouve \u00e0 seulement <strong>10 minutes de Figueres<\/strong>, o\u00f9 se concentre une grande partie de l\u2019offre de services de la r\u00e9gion : gare, h\u00f4pital, supermarch\u00e9s, \u00e9tablissements scolaires et commerces.<\/p>\n<p> <\/p>\n<p>L\u2019Alt Empord\u00e0 se distingue \u00e9galement par sa connectivit\u00e9. La fronti\u00e8re fran\u00e7aise se trouve \u00e0 environ <strong>15 minutes<\/strong>, la c\u00f4te \u00e0 pr\u00e8s de <strong>25 minutes<\/strong> et l\u2019a\u00e9roport de G\u00e9rone-Costa Brava \u00e0 environ <strong>35 minutes en voiture<\/strong>. Cette position situe le projet \u00e0 un point strat\u00e9gique entre le sud de la France et la Costa Brava, avec Figueres comme moteur \u00e9conomique et p\u00f4le de services.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Le gestionnaire : Caliza Homes<\/h2>\n<p> <\/p>\n<p>Le gestionnaire du <a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000497\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=projet_2&amp;utm_content=fr_proyecto_arcilla\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"link\" data-id=\"https:\/\/urbanitae.com\/fr\/projet\/P000497\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=projet_2&amp;utm_content=fr_proyecto_arcilla\">projet<\/a> est <strong>Caliza Homes<\/strong>, un groupe immobilier bas\u00e9 \u00e0 Barcelone et sp\u00e9cialis\u00e9 dans la promotion r\u00e9sidentielle en Catalogne.<\/p>\n<p> <\/p>\n<p>Ses associ\u00e9s comptent plus de <strong>20 ans d\u2019exp\u00e9rience<\/strong> dans le secteur immobilier et de la construction. \u00c0 travers ses deux marques, Caliza Homes et Loess Homes Club, le groupe a d\u00e9velopp\u00e9 plus de <strong>140 unit\u00e9s r\u00e9sidentielles<\/strong>.<\/p>\n<p> <\/p>\n<p>En outre, le gestionnaire d\u00e9veloppe actuellement une autre promotion de <strong>13 logements<\/strong> dans les environs de Figueres, avec le m\u00eame syst\u00e8me constructif que celui qui sera appliqu\u00e9 \u00e0 Arcilla. Ce projet a re\u00e7u un bon accueil commercial, avec un niveau de pr\u00e9ventes de <strong>84 %<\/strong> et un avancement des travaux de <strong>50 %<\/strong>.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Construction pr\u00e9fabriqu\u00e9e en b\u00e9ton<\/h2>\n<p> <\/p>\n<p>L\u2019un des \u00e9l\u00e9ments diff\u00e9renciants du projet est son syst\u00e8me constructif. La structure des logements sera r\u00e9alis\u00e9e au moyen d\u2019une <strong>construction pr\u00e9fabriqu\u00e9e en b\u00e9ton<\/strong>, assur\u00e9e par une entreprise de construction de premier plan, forte de plus de 50 ans d\u2019exp\u00e9rience et sp\u00e9cialis\u00e9e dans la <a href=\"https:\/\/blog.urbanitae.com\/fr\/2025\/01\/08\/construction-industrialisee-la-reponse-au-deficit-actuel-de-logements-en-espagne\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=construction_industrialisee&amp;utm_content=fr_proyecto_arcilla\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"link\" data-id=\"https:\/\/blog.urbanitae.com\/fr\/2025\/01\/08\/construction-industrialisee-la-reponse-au-deficit-actuel-de-logements-en-espagne\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=construction_industrialisee&amp;utm_content=fr_proyecto_arcilla\">construction industrialis\u00e9e<\/a>.<\/p>\n<p> <\/p>\n<p>La fabrication de la structure devrait durer <strong>4 mois<\/strong>, suivie d\u2019un montage sur site de <strong>2 \u00e0 3 mois suppl\u00e9mentaires<\/strong>. Les travaux seront organis\u00e9s en deux phases : une premi\u00e8re phase couvrant deux tiers des logements et une deuxi\u00e8me phase pour le tiers restant.<\/p>\n<p> <\/p>\n<p>Le d\u00e9lai global estim\u00e9 jusqu\u2019\u00e0 l\u2019ach\u00e8vement des travaux de construction est de <strong>22 \u00e0 24 mois<\/strong>.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">11 % par an et une rentabilit\u00e9 totale de 24,75 %<\/h2>\n<p> <\/p>\n<p>L\u2019op\u00e9ration est structur\u00e9e sous forme de dette, au moyen d\u2019un pr\u00eat \u00e0 taux fixe. Le montant total s\u2019\u00e9l\u00e8ve jusqu\u2019\u00e0 <strong>6 200 000 euros<\/strong>, engag\u00e9s en trois tranches :<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Tranche A :<\/strong> 2 430 000 euros, correspondant \u00e0 cette ouverture.<\/li>\n \n<li><strong>Tranche B :<\/strong> 1 800 000 euros.<\/li>\n \n<li><strong>Tranche C :<\/strong> 1 970 000 euros.<\/li>\n<\/ul>\n<p> <\/p>\n<p>Les principales caract\u00e9ristiques de la tranche A sont les suivantes :<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Montant :<\/strong> 2 430 000 euros<\/li>\n \n<li><strong>Taux d\u2019int\u00e9r\u00eat :<\/strong> 11,0 % annuel simple<\/li>\n \n<li><strong>Rentabilit\u00e9 totale :<\/strong> 24,75 %<\/li>\n \n<li><strong>Dur\u00e9e :<\/strong> 27 mois<\/li>\n \n<li><strong>Extension possible :<\/strong> 6 mois suppl\u00e9mentaires<\/li>\n \n<li><strong>Rendement minimum :<\/strong> \u00e9quivalent \u00e0 16 mois d\u2019int\u00e9r\u00eats<\/li>\n \n<li><strong>Paiement du principal et des int\u00e9r\u00eats :<\/strong> \u00e0 l\u2019\u00e9ch\u00e9ance<\/li>\n<\/ul>\n<p> <\/p>\n<p>Les fonds de la tranche A seront utilis\u00e9s, d\u2019une part, pour le premier d\u00e9caissement destin\u00e9 \u00e0 la fabrication de la structure pr\u00e9fabriqu\u00e9e de la phase 1. D\u2019autre part, ils financeront les co\u00fbts de construction li\u00e9s aux travaux de terrassement, aux fondations et \u00e0 l\u2019assainissement de la promotion.<\/p>\n<p> <\/p>\n<p>Afin de garantir les fonds d\u00e9caiss\u00e9s pour la fabrication de la structure, l\u2019entreprise de construction \u00e9mettra en faveur du promoteur une garantie \u00e0 premi\u00e8re demande par l\u2019interm\u00e9diaire d\u2019un \u00e9tablissement bancaire de premier plan.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Apport du promoteur et engagement de capital<\/h2>\n<p> <\/p>\n<p>Le gestionnaire a d\u00e9j\u00e0 d\u00e9caiss\u00e9 environ <strong>1,3 million d\u2019euros<\/strong> de fonds propres, destin\u00e9s \u00e0 l\u2019acquisition du terrain ainsi qu\u2019aux frais g\u00e9n\u00e9raux de d\u00e9finition du projet et d\u2019obtention des permis.<\/p>\n<p> <\/p>\n<p>Il s\u2019engage \u00e9galement \u00e0 apporter des fonds propres suppl\u00e9mentaires \u00e0 hauteur de <strong>1,47 million d\u2019euros<\/strong> afin de couvrir les co\u00fbts de construction et les frais g\u00e9n\u00e9raux restant \u00e0 engager, conform\u00e9ment aux jalons \u00e9tablis.<\/p>\n<p> <\/p>\n<p>Cet apport suppl\u00e9mentaire est garanti par une <strong>lettre d\u2019engagement de capital<\/strong> (<em>equity commitment letter<\/em>) et, \u00e0 titre de garantie additionnelle, par une hypoth\u00e8que de premier rang sur une deuxi\u00e8me promotion du promoteur.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Garanties du pr\u00eat<\/h2>\n<p> <\/p>\n<p>Le <a href=\"https:\/\/blog.urbanitae.com\/glosario\/prestamo-garantizado\/?utm_source=blog_es&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=prestamo&amp;utm_content=es_proyecto_arcilla\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00eat<\/a> b\u00e9n\u00e9ficie d\u2019un ensemble de garanties compos\u00e9 de :<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Hypoth\u00e8que de premier rang<\/strong> sur l\u2019actif financ\u00e9, avec une responsabilit\u00e9 hypoth\u00e9caire de 140 % du principal.<\/li>\n \n<li><strong>Nantissement de premier rang<\/strong> sur les parts sociales de la soci\u00e9t\u00e9 emprunteuse.<\/li>\n \n<li><strong>Nantissement de premier rang<\/strong>, sans intervention sur les fonds, sur les comptes bancaires du projet.<\/li>\n \n<li><strong>Hypoth\u00e8que de premier rang sur une deuxi\u00e8me promotion<\/strong> situ\u00e9e \u00e0 L\u2019Ametlla del Vall\u00e8s, \u00e0 titre de garantie additionnelle.<\/li>\n \n<li><strong>Lettre d\u2019engagement de capital<\/strong> du promoteur pour apporter des fonds propres suppl\u00e9mentaires.<\/li>\n \n<li><strong>Cash sweep de 100 %<\/strong> des revenus issus de la vente des logements, destin\u00e9 \u00e0 amortir le pr\u00eat d\u2019Urbanitae.<\/li>\n<\/ul>\n<p> <\/p>\n<p>Comme dans tous les projets de dette, un <strong>Project Monitor<\/strong> est int\u00e9gr\u00e9 \u00e0 l\u2019op\u00e9ration. Il examinera les certifications de travaux, l\u2019avancement de la construction, les \u00e9ventuels \u00e9carts de d\u00e9lais et de co\u00fbts, et approuvera les d\u00e9caissements mensuels du pr\u00eat.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Strat\u00e9gie de sortie<\/h2>\n<p> <\/p>\n<p>La sortie pr\u00e9vue pour les investisseurs d\u2019Urbanitae se fera gr\u00e2ce aux <strong>revenus provenant de la vente des logements<\/strong>.<\/p>\n<p> <\/p>\n<p>La commercialisation sera assur\u00e9e par un agent local, en collaboration avec le gestionnaire du projet. \u00c0 la date de lancement, la promotion compte d\u00e9j\u00e0 <strong>5 r\u00e9servations<\/strong>, soit <strong>16 %<\/strong> des logements, ainsi qu\u2019une liste de plus de <strong>50 acheteurs potentiels suppl\u00e9mentaires<\/strong>.<\/p>\n<p> <\/p>\n<p>L\u2019op\u00e9ration dispose \u00e9galement d\u2019une due diligence commerciale favorable, qui a valid\u00e9 \u00e0 la fois les prix \u00e9tablis dans le plan d\u2019affaires et le calendrier de ventes pr\u00e9vu.<\/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-ed4f243 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ed4f243\" 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-cd86da4\" data-id=\"cd86da4\" 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-692968f elementor-widget elementor-widget-video\" data-id=\"692968f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/SnpbBSW1dIw&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-64b42bd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64b42bd\" 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-7901652\" data-id=\"7901652\" 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-3b75a5d elementor-widget elementor-widget-text-editor\" data-id=\"3b75a5d\" 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\">Pourquoi investir dans le projet Arcilla<\/h2>\n<p> <\/p>\n<p>Voici quelques-uns des principaux points forts de l\u2019<a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000497\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=operation&amp;utm_content=fr_proyecto_arcilla\" target=\"_blank\" rel=\"noreferrer noopener\">op\u00e9ration<\/a> :<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Promotion de 31 maisons mitoyennes<\/strong> \u00e0 Llers, \u00e0 10 minutes de Figueres.<\/li>\n \n<li><strong>Permis de construire accord\u00e9<\/strong>, ce qui r\u00e9duit le risque urbanistique et permet un d\u00e9marrage imm\u00e9diat des travaux apr\u00e8s la signature.<\/li>\n \n<li><strong>Hypoth\u00e8que de premier rang<\/strong> sur l\u2019actif, renforc\u00e9e par une garantie suppl\u00e9mentaire sur une deuxi\u00e8me promotion du promoteur.<\/li>\n \n<li><strong>Construction pr\u00e9fabriqu\u00e9e en b\u00e9ton<\/strong>, avec un meilleur contr\u00f4le des d\u00e9lais, des co\u00fbts et de la qualit\u00e9 industrielle.<\/li>\n \n<li><strong>R\u00e9servations d\u00e9j\u00e0 engag\u00e9es<\/strong>, avec 16 % des logements r\u00e9serv\u00e9s et plus de 50 acheteurs potentiels suppl\u00e9mentaires.<\/li>\n \n<li><strong>Rentabilit\u00e9 fixe de 11,0 % annuel simple<\/strong>, avec un rendement minimum \u00e9quivalent \u00e0 16 mois d\u2019int\u00e9r\u00eats.<\/li>\n \n<li><strong>Gestionnaire avec plus de 20 ans d\u2019exp\u00e9rience<\/strong> et plus de 140 unit\u00e9s r\u00e9sidentielles d\u00e9velopp\u00e9es en Catalogne.<\/li>\n \n<li><strong>Project Monitor<\/strong> pour superviser les certifications, l\u2019avancement des travaux et les d\u00e9caissements.<\/li>\n<\/ul>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Calendrier estim\u00e9<\/h2>\n<p> <\/p>\n<p>La dur\u00e9e estim\u00e9e de la tranche A est de <strong>27 mois<\/strong>, avec une possible extension de 6 mois suppl\u00e9mentaires.<\/p>\n<p> <\/p>\n<p>Les principaux jalons pr\u00e9vus sont les suivants :<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Juillet 2026 :<\/strong> octroi du pr\u00eat par les investisseurs d\u2019Urbanitae et d\u00e9but des travaux de construction.<\/li>\n \n<li><strong>Premier trimestre 2027 :<\/strong> ach\u00e8vement du montage de la structure pr\u00e9fabriqu\u00e9e et poursuite des travaux int\u00e9rieurs ainsi que de l\u2019am\u00e9nagement des espaces communs.<\/li>\n \n<li><strong>Troisi\u00e8me trimestre 2028 :<\/strong> ach\u00e8vement des travaux, signature des actes de vente des logements et remboursement attendu du pr\u00eat \u00e0 Urbanitae, dans le d\u00e9lai de 27 mois.<\/li>\n<\/ul>\n<p> <\/p>\n<p>Comme pour tout investissement immobilier, les d\u00e9lais peuvent varier en fonction de l\u2019\u00e9volution r\u00e9elle des travaux, de la commercialisation et des conditions de march\u00e9.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\">Une nouvelle op\u00e9ration r\u00e9sidentielle dans l\u2019Alt Empord\u00e0<\/h2>\n<p> <\/p>\n<p>Le <a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000497\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=projet_arcilla&amp;utm_content=fr_proyecto_arcilla\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"link\" data-id=\"https:\/\/urbanitae.com\/fr\/projet\/P000497\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0726&amp;utm_term=projet_arcilla&amp;utm_content=fr_proyecto_arcilla\">projet Arcilla<\/a> permet de participer \u00e0 une op\u00e9ration de dette adoss\u00e9e \u00e0 une promotion r\u00e9sidentielle disposant d\u2019un permis de construire accord\u00e9, de r\u00e9servations initiales, d\u2019un syst\u00e8me constructif industrialis\u00e9 et d\u2019un ensemble de garanties renforc\u00e9.<\/p>\n<p> <\/p>\n<p>La combinaison de l\u2019emplacement, de la demande commerciale, de l\u2019exp\u00e9rience du gestionnaire, de l\u2019hypoth\u00e8que de premier rang et de la garantie additionnelle sur une deuxi\u00e8me promotion renforce l\u2019int\u00e9r\u00eat de cette nouvelle opportunit\u00e9 \u00e0 G\u00e9rone.<\/p>\n<p> <\/p>\n<p>L\u2019ouverture \u00e0 l\u2019investissement aura lieu le <strong>jeudi 16 juillet \u00e0 16 h 00 (UTC+2)<\/strong>.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\"><strong>Vous avez des questions sur le projet ?<\/strong><\/h2>\n<p> <\/p>\n<p>Vous pouvez poser vos questions lors du <a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_AipGaAWIQj-s5AkI5LHImw\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>webinaire<\/strong><\/a> <strong>du mercredi 15 juillet \u00e0 12 h 00 (UTC+2)<\/strong>.<\/p>\n<p> <\/p>\n<p>Vous pouvez \u00e9galement nous \u00e9crire \u00e0 <a href=\"mailto:contacto@urbanitae.com\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>contacto@urbanitae.com<\/strong><\/a> ou nous appeler au <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>Arcilla finance un programme de 31 maisons mitoyennes \u00e0 Llers, avec permis accord\u00e9, premi\u00e8res r\u00e9servations, construction pr\u00e9fabriqu\u00e9e et garanties renforc\u00e9es.<\/p>\n","protected":false},"author":1,"featured_media":88658,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1077,927],"tags":[1177,1009,1887,1952,1937],"class_list":["post-88659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dette","category-projets","tag-catalogne-fr","tag-dette-immobiliere","tag-investissement-immobilier-2","tag-pret-participatif-immobilier","tag-secteur-residentiel"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dette immobili\u00e8re \u00e0 G\u00e9rone \u00e0 11 % annuel<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment investir en dette immobili\u00e8re \u00e0 G\u00e9rone avec Arcilla : 31 maisons mitoyennes, permis accord\u00e9, premi\u00e8res 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Real estate debt in Girona at 11% annual return. Dette immobili\u00e8re \u00e0 G\u00e9rone \u00e0 11 % annuel. Debito immobiliare a Girona all'11% annuo. D\u00edvida imobili\u00e1ria em Girona a 11% ao ano. 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