{"id":93786,"date":"2026-11-06T12:46:21","date_gmt":"2026-11-06T11:46:21","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=93786"},"modified":"2026-11-06T12:48:13","modified_gmt":"2026-11-06T11:48:13","slug":"vivaldi-iii-financement-par-dette-a-10-pour-achever-une-villa-de-luxe-a-sierra-blanca","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2026\/11\/06\/vivaldi-iii-financement-par-dette-a-10-pour-achever-une-villa-de-luxe-a-sierra-blanca\/","title":{"rendered":"Vivaldi III : financement par dette \u00e0 10 % pour achever une villa de luxe \u00e0 Sierra Blanca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"93786\" class=\"elementor elementor-93786 elementor-93772\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-28420c7 e-flex e-con-boxed e-con e-parent\" data-id=\"28420c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26b04c5a elementor-widget elementor-widget-text-editor\" data-id=\"26b04c5a\" 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\n<p>Le <strong>mardi 10 novembre prochain, \u00e0 16 h 00 (UTC+1)<\/strong>, nous ouvrirons \u00e0 l&rsquo;investissement <a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>le projet Vivaldi III<\/strong><\/a>, la troisi\u00e8me tranche de financement destin\u00e9e \u00e0 achever la construction d&rsquo;une villa de luxe \u00e0 <strong>Sierra Blanca, Marbella<\/strong>.<\/p>\n\n<p>Les travaux sont d\u00e9j\u00e0 r\u00e9alis\u00e9s \u00e0 environ <strong>80 %<\/strong> et cette nouvelle tranche, d&rsquo;un montant de <strong>1 340 000 euros<\/strong>, servira \u00e0 financer les co\u00fbts de construction et les frais g\u00e9n\u00e9raux restant \u00e0 engager jusqu&rsquo;\u00e0 l&rsquo;ach\u00e8vement du projet.<\/p>\n\n<p>La tranche C pr\u00e9sente une dur\u00e9e de <strong>13 mois<\/strong>, un taux d&rsquo;int\u00e9r\u00eat fixe de <strong>10 % annuel simple<\/strong> et une <strong>rentabilit\u00e9 totale de 10,89 %<\/strong> sur la dur\u00e9e initiale.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Ouverture \u00e0 l&rsquo;investissement :<\/strong> mardi 10 novembre \u00e0 16 h 00 (UTC+1).<\/li>\n\n<li><strong>Tranche C :<\/strong> 1 340 000 euros.<\/li>\n\n<li><strong>Dur\u00e9e :<\/strong> 13 mois + deux prolongations possibles de six mois.<\/li>\n\n<li><strong>Int\u00e9r\u00eat :<\/strong> 10 % annuel simple.<\/li>\n\n<li><strong>Rentabilit\u00e9 totale :<\/strong> 10,89 %.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Une villa de plus de 2 000 m\u00b2 \u00e0 Sierra Blanca<\/h2>\n\n<p>Le <a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\">projet<\/a> consiste en une villa individuelle neuve d&rsquo;une surface construite de <strong>2 032 m\u00b2<\/strong>, \u00e9difi\u00e9e sur une parcelle d&rsquo;angle de 2 025 m\u00b2.<\/p>\n\n<p>La propri\u00e9t\u00e9 comprendra <strong>sept chambres et huit salles de bains<\/strong>, ainsi qu&rsquo;une salle de cin\u00e9ma, une cave \u00e0 vin, un espace <em>wellness<\/em> avec spa, une salle de sport, un parking int\u00e9rieur, un jardin et une piscine. Sa position dominante offrira des vues panoramiques sur la mer et les montagnes depuis les diff\u00e9rents \u00e9tages.<\/p>\n\n<p>L&rsquo;actif se situe \u00e0 <strong>Sierra Blanca<\/strong>, un domaine r\u00e9sidentiel ferm\u00e9 \u00e0 proximit\u00e9 du Golden Mile de Marbella, r\u00e9put\u00e9 pour sa faible densit\u00e9, son intimit\u00e9 et sa s\u00e9curit\u00e9.<\/p>\n\n<h2 class=\"wp-block-heading\">Des travaux d\u00e9j\u00e0 r\u00e9alis\u00e9s \u00e0 80 %<\/h2>\n\n<p>L&rsquo;un des principaux \u00e9l\u00e9ments distinctifs de Vivaldi III est l&rsquo;\u00e9tat d&rsquo;avancement de sa construction.<\/p>\n\n<p>Le projet dispose d&rsquo;un <strong>permis de construire en vigueur<\/strong> et les travaux sont achev\u00e9s \u00e0 environ <strong>80 %<\/strong>. Le financement de cette troisi\u00e8me tranche se concentre donc sur la phase finale du chantier.<\/p>\n\n<p>L&rsquo;ach\u00e8vement est pr\u00e9vu pour le <strong>premier trimestre 2027<\/strong>, p\u00e9riode \u00e0 laquelle une journ\u00e9e portes ouvertes, ou <em>Open House<\/em>, devrait \u00eatre organis\u00e9e afin de soutenir la commercialisation de la propri\u00e9t\u00e9 termin\u00e9e.<\/p>\n\n<p>Le prix de vente cible de la villa s&rsquo;\u00e9l\u00e8ve \u00e0 <strong>25 millions d&rsquo;euros<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">Troisi\u00e8me et derni\u00e8re tranche du pr\u00eat<\/h2>\n\n<p>Le financement total du projet atteint <strong>9,99 millions d&rsquo;euros<\/strong>, r\u00e9partis en trois tranches.<\/p>\n\n<p>La <a href=\"https:\/\/blog.urbanitae.com\/fr\/2026\/06\/03\/vivaldi-dette-immobiliere-pour-une-villa-de-luxe-a-sierra-blanca-marbella\/\" target=\"_blank\" rel=\"noreferrer noopener\">tranche A<\/a> a \u00e9t\u00e9 mise en place en juin 2026 pour un montant maximal de 7,34 millions d&rsquo;euros, dont 2,34 millions apport\u00e9s par les investisseurs d&rsquo;Urbanitae et 5 millions par des co-investisseurs externes.<\/p>\n\n<p>En juillet, une <a href=\"https:\/\/blog.urbanitae.com\/fr\/2026\/07\/17\/vivaldi-ii-dette-a-1025-par-an-pour-une-villa-ultra-prime-a-sierra-blanca\/\" target=\"_blank\" rel=\"noreferrer noopener\">deuxi\u00e8me tranche<\/a> de <strong>1,31 million d&rsquo;euros<\/strong> a \u00e9t\u00e9 accord\u00e9e pour poursuivre l&rsquo;avancement des travaux.<\/p>\n\n<p>La <strong>tranche C, d&rsquo;un montant maximal de 1,34 million d&rsquo;euros<\/strong>, est d\u00e9sormais ouverte afin de couvrir les derniers co\u00fbts de construction et frais g\u00e9n\u00e9raux n\u00e9cessaires \u00e0 l&rsquo;ach\u00e8vement de la villa.<\/p>\n\n<p>De son c\u00f4t\u00e9, le promoteur a d\u00e9j\u00e0 investi environ <strong>3,7 millions d&rsquo;euros de fonds propres dans le projet<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">10 % par an pendant 13 mois<\/h2>\n\n<p>Les principales conditions de la tranche C sont les suivantes :<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Montant :<\/strong> 1 340 000 euros.<\/li>\n\n<li><strong>Int\u00e9r\u00eat :<\/strong> <a href=\"https:\/\/blog.urbanitae.com\/fr\/2026\/10\/06\/financement-participatif-immobilier-ce-qui-se-cache-derriere-les-rentabilites-annoncees\/\" target=\"_blank\" rel=\"noreferrer noopener\">10 % annuel simple<\/a>.<\/li>\n\n<li><strong>Dur\u00e9e initiale :<\/strong> 13 mois.<\/li>\n\n<li><strong>Rentabilit\u00e9 totale :<\/strong> 10,89 %.<\/li>\n\n<li><strong>Prolongations :<\/strong> deux p\u00e9riodes suppl\u00e9mentaires possibles de six mois, aux mois 13 et 19.<\/li>\n\n<li><strong>Remboursement du capital et des int\u00e9r\u00eats :<\/strong> \u00e0 l&rsquo;\u00e9ch\u00e9ance.<\/li>\n<\/ul>\n\n<p>En cas de recours \u00e0 la deuxi\u00e8me prolongation, le taux d&rsquo;int\u00e9r\u00eat augmentera de <strong>100 points de base<\/strong>, pour atteindre 11 % par an.<\/p>\n\n<p>Les d\u00e9caissements destin\u00e9s aux travaux seront effectu\u00e9s sur pr\u00e9sentation de situations mensuelles d&rsquo;avancement pr\u00e9alablement v\u00e9rifi\u00e9es par un <strong>Project Monitor<\/strong> ind\u00e9pendant.<\/p>\n\n<h2 class=\"wp-block-heading\">Garanties du pr\u00eat<\/h2>\n\n<p>Le pr\u00eat b\u00e9n\u00e9ficie d&rsquo;une <a href=\"https:\/\/blog.urbanitae.com\/fr\/2025\/05\/26\/pret-garanti-par-une-hypotheque-pourquoi-il-est-essentiel-dans-linvestissement-immobilier\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>hypoth\u00e8que de premier rang<\/strong><\/a> <strong>sur la villa<\/strong>, avec une garantie hypoth\u00e9caire \u00e9quivalant \u00e0 130 % du principal.<\/p>\n\n<p>\u00c0 cette garantie s&rsquo;ajoutent :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Un nantissement de premier rang sur les parts sociales de la soci\u00e9t\u00e9 promotrice.<\/li>\n\n<li>Un nantissement de premier rang sur les comptes bancaires du projet.<\/li>\n\n<li>Une <strong>Equity Commitment Letter<\/strong>, par laquelle le promoteur s&rsquo;engage \u00e0 couvrir sur ses fonds propres les \u00e9ventuels d\u00e9passements de co\u00fbts impr\u00e9vus.<\/li>\n\n<li>Un <strong>mandat irr\u00e9vocable de vente<\/strong>, activable en cas de certains manquements ou si le pr\u00eat n&rsquo;est pas rembours\u00e9 \u00e0 l&rsquo;\u00e9ch\u00e9ance. Le prix de vente minimum est fix\u00e9 \u00e0 80 % de la derni\u00e8re \u00e9valuation disponible.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Un LTV inf\u00e9rieur \u00e0 44 %<\/h2>\n\n<p>Le pr\u00eat total pr\u00e9sente un <a href=\"https:\/\/blog.urbanitae.com\/fr\/2023\/05\/07\/quest-ce-que-le-rapport-pret-valeur\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>LTV inf\u00e9rieur \u00e0 44 %<\/strong><\/a> <strong>sur la base de la derni\u00e8re \u00e9valuation disponible<\/strong>, de 22,24 millions d&rsquo;euros, et d&rsquo;environ <strong>40 % par rapport au prix de vente cible<\/strong> de 25 millions d&rsquo;euros.<\/p>\n\n<p>Le LTV mesure le rapport entre le montant de la dette et la valeur de l&rsquo;actif. Un pourcentage mod\u00e9r\u00e9 signifie qu&rsquo;il existe une marge importante entre les deux. Dans ce cas, celle-ci permettrait d&rsquo;absorber une r\u00e9duction significative du prix de vente pr\u00e9vu avant que la dette ne repr\u00e9sente une proportion \u00e9lev\u00e9e de la valeur de la villa.<\/p>\n\n<p>Cette marge peut \u00eatre particuli\u00e8rement importante lors de la commercialisation, en offrant davantage de flexibilit\u00e9 pour ajuster le prix demand\u00e9 si les conditions du march\u00e9 l&rsquo;exigeaient.<\/p>\n\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\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a333e40 e-flex e-con-boxed e-con e-parent\" data-id=\"a333e40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d91a0e elementor-widget elementor-widget-video\" data-id=\"4d91a0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=GXRl0Z05qJ0&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\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-cff7a5a e-flex e-con-boxed e-con e-parent\" data-id=\"cff7a5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-692f295 elementor-widget elementor-widget-text-editor\" data-id=\"692f295\" 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 Vivaldi III ?<\/h2>\n<p><\/p>\n<p>Nous estimons que <a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Vivaldi III<\/strong><\/a> r\u00e9unit plusieurs caract\u00e9ristiques importantes pour une op\u00e9ration de dette : une villa <em>ultra-prime<\/em> dans l&rsquo;un des quartiers les plus exclusifs de Marbella, une construction d\u00e9j\u00e0 tr\u00e8s avanc\u00e9e et une structure financi\u00e8re pr\u00e9sentant un effet de levier mod\u00e9r\u00e9.<\/p>\n<p><\/p>\n<p>Parmi les principaux points forts :<\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Un taux d&rsquo;int\u00e9r\u00eat annuel simple de 10 %<\/strong>.<\/li>\n\n<li><strong>Une rentabilit\u00e9 totale de 10,89 %<\/strong> sur la dur\u00e9e initiale de 13 mois.<\/li>\n\n<li><strong>Une hypoth\u00e8que de premier rang<\/strong> sur l&rsquo;actif.<\/li>\n\n<li>Des travaux r\u00e9alis\u00e9s \u00e0 environ <strong>80 %<\/strong>.<\/li>\n\n<li><strong>Un LTV inf\u00e9rieur \u00e0 44 %<\/strong> sur la base de la derni\u00e8re \u00e9valuation.<\/li>\n\n<li>Environ <strong>3,7 millions d&rsquo;euros de fonds propres<\/strong> d\u00e9j\u00e0 apport\u00e9s par le promoteur.<\/li>\n\n<li>L&rsquo;engagement du promoteur \u00e0 prendre en charge les \u00e9ventuels d\u00e9passements de co\u00fbts au moyen d&rsquo;une <em>Equity Commitment Letter<\/em>.<\/li>\n\n<li>Une commercialisation pr\u00e9vue par des canaux directs et une s\u00e9lection d&rsquo;agences sp\u00e9cialis\u00e9es dans l&rsquo;immobilier de luxe \u00e0 Marbella.<\/li>\n<\/ul>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Calendrier pr\u00e9visionnel<\/h2>\n<p><\/p>\n<p>La dur\u00e9e initiale de la tranche C est de <strong>13 mois<\/strong>, avec deux prolongations possibles de six mois.<\/p>\n<p><\/p>\n<p>Les principales \u00e9tapes pr\u00e9vues sont :<\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Novembre 2026 :<\/strong> octroi de la tranche C et financement de la derni\u00e8re phase des travaux.<\/li>\n\n<li><strong>Premier trimestre 2027 :<\/strong> ach\u00e8vement pr\u00e9vu de la construction et organisation d&rsquo;un <em>Open House<\/em>.<\/li>\n\n<li><strong>Quatri\u00e8me trimestre 2027 :<\/strong> vente pr\u00e9vue de la villa et remboursement du pr\u00eat.<\/li>\n<\/ul>\n<p><\/p>\n<p>Comme pour tout projet immobilier, ces d\u00e9lais peuvent varier en fonction de l&rsquo;avancement des travaux et de la commercialisation.<\/p>\n<p><\/p>\n<p>Vous pouvez consulter la page du projet pour retrouver toutes les informations relatives \u00e0 l&rsquo;op\u00e9ration, \u00e0 ses garanties, \u00e0 ses risques et \u00e0 la documentation associ\u00e9e.<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Vous avez des questions sur le projet ?<\/h2>\n<p><\/p>\n<p>L&rsquo;ouverture \u00e0 l&rsquo;investissement de <a href=\"https:\/\/urbanitae.com\/fr\/projet\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Vivaldi III<\/strong><\/a> aura lieu le <strong>mardi 10 novembre \u00e0 16 h 00 (UTC+1)<\/strong>.<\/p>\n<p><\/p>\n<p>Vous pouvez revoir le <a href=\"https:\/\/youtu.be\/rnDcyRxL7LQ\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>webinaire de Vivaldi<\/strong><\/a>, organis\u00e9 \u00e0 l&rsquo;occasion de la premi\u00e8re tranche, afin de d\u00e9couvrir plus en d\u00e9tail le projet et ses principales caract\u00e9ristiques.<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Vivaldi III finance la derni\u00e8re tranche pour achever une villa de luxe \u00e0 Sierra Blanca, Marbella, avec travaux \u00e0 80 %, hypoth\u00e8que de premier rang, LTV inf\u00e9rieur \u00e0 44 %, 3,7 M\u20ac apport\u00e9s par le promoteur et rendement total de 10,89 %.<\/p>\n","protected":false},"author":1,"featured_media":93802,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"categories":[1077,927],"tags":[1008],"class_list":["post-93786","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dette","category-projets","tag-urbanitae-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investir dans l\u2019immobilier \u00e0 Marbella : Vivaldi III<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment investir dans l\u2019immobilier \u00e0 Marbella avec Vivaldi III : villa de luxe, travaux \u00e0 80 % et rendement de 10 % par an.\" \/>\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\/fr\/2026\/11\/06\/vivaldi-iii-financement-par-dette-a-10-pour-achever-une-villa-de-luxe-a-sierra-blanca\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vivaldi III ach\u00e8ve une villa de luxe \u00e0 Sierra Blanca avec une dette \u00e0 10 %\" \/>\n<meta property=\"og:description\" content=\"Nouvelle opportunit\u00e9 de dette pour achever 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