{"id":16295,"date":"2024-10-08T12:17:49","date_gmt":"2024-10-08T10:17:49","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/barcelona-premia-de-dalt\/"},"modified":"2025-03-13T17:59:16","modified_gmt":"2025-03-13T16:59:16","slug":"barcelona-premia-de-dalt","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/barcelona-premia-de-dalt\/","title":{"rendered":"Barcelona-Premi\u00e0 de Dalt"},"content":{"rendered":"\n<p>WECITY complies with the provisions of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of participative financing services for companies and Title V of Law 5\/2015 on the promotion of business financing as amended by Law 18\/2022 of 28 September on the creation and growth of companies. It is authorized by the&nbsp;<strong>CNMV<\/strong>&nbsp;as a Participatory Financing Service Provider, registered in the registry under number 9, with a favorable proposal from the&nbsp;<strong>Bank of Spain<\/strong>.<\/p>\n\n\n\n<p>Investor, before making your investment, please read the&nbsp;<a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/\">basic information for the investor client<\/a>, as well as the&nbsp;<a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/#cooling_off-period\">pre-contractual reflection period for inexperienced investors.<\/a><\/p>\n\n\n\n<p><strong>Skin in the game<\/strong>:&nbsp;<em>\u201cIn compliance with Article 8.2 of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of equity finance, it is hereby informed that&nbsp;<\/em><a href=\"https:\/\/www.wecity.com\/en\/team\/\"><em>partners, managers and employees of wecity<\/em><\/a>&nbsp;<em>may invest in this opportunity .<\/em>&nbsp;<em>These investments will be made under the same conditions as those of other investors without receiving preferential treatment or privileged access to information.\u201d<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The investment<\/h2>\n\n\n\n<div class=\"wp-block-group is-style-border-radius has-background\" style=\"background-color:#f5f7f6\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li><strong>Purpose of the loan:<\/strong> Financing the construction of a luxury villa in Cam\u00ed a Premi\u00e0 de Dalt 90, Tei\u00e0, Barcelona.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage<\/li>\n\n\n\n<li><strong>Term:<\/strong> 15 months (+6 months possible extension)<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 11% per annum<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 13.75%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity<\/li>\n\n\n\n<li><strong>ECO valuation <\/strong>(current)<strong>:<\/strong> \u20ac 627,623.36 : current LTV: 119.49%.<\/li>\n\n\n\n<li><strong>ECO valuation <\/strong>(HET)<strong>:<\/strong> 4.114.475,31 \u20ac : LTV HET: 48,61% <\/li>\n\n\n\n<li><strong>First drawdown: <\/strong>280,851.70 \u20ac | LTV 1st drawdown: 44.75%.<\/li>\n\n\n\n<li><strong>Rating:<\/strong> <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">AA<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan:<\/strong> 750,000.00 \u20ac.<\/li>\n\n\n\n<li><strong>Promoter: <\/strong>794.592,99\u20ac.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> 500 \u20ac.<\/li>\n\n\n\n<li><strong>Maximum investment<\/strong>: No investment limits<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer<strong> Prosperity Grounds, S.L<\/strong>, is requesting financing through wecity to <strong>cover<\/strong> the <strong>construction costs of<\/strong> a luxury villa in <strong>Cam\u00ed a Premi\u00e0 de Dalt 90, Tei\u00e0, Barcelona.<\/strong><\/p>\n\n\n\n<p>The project has the <strong>building permit<\/strong> <strong>granted<\/strong>. The house has a plot area of 800<sup>m2 on <\/sup>which a house of 588.15<sup>m2<\/sup> will be developed. The villa will have 5 bedrooms, garden and private pool, as well as spectacular sea views, and a construction with high quality materials.<\/p>\n\n\n\n<p>The project will be financed through a <strong>mortgage loan in the amount of 750,000 \u20ac at a fixed rate, which will have a<\/strong><sup><strong>1st<\/strong><\/sup><strong> degree<\/strong> <strong>mortgage guarantee.<\/strong> This loan will be thecorresponding to the first phase of a total loan, which may amount to a maximum of \u20ac2,000,000 in three phases.<\/p>\n\n\n\n<p>The exit of the investors from wecity will take place with the sale of the villa, which is currently in the process of commercialization and its sale price is 4.200.000 \u20ac.<\/p>\n\n\n\n<p>Through wecity you can participate in a <strong>fixed rate loan<\/strong> operation with <strong>an annual interest rate of 11% for an estimated term of 15 months<\/strong> (6 months mandatory) with apossibility of extension for an additional 6 months.<\/p>\n\n\n\n<p>With a minimum investment of <strong>500 \u20ac<\/strong>, you can participate in this opportunity with an excellent profitability and with the maximum guarantees. The total estimated return is 13.75% for 15 months or 19.25% if the final term is with the 6 month extension.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_00-1024x606.jpg\" alt=\"\" class=\"wp-image-16267\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_00-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_00-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_00-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_00-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_00.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_01-1024x606.jpg\" alt=\"\" class=\"wp-image-16271\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_01-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_01-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_01-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_01-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_01.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_02-1024x606.jpg\" alt=\"\" class=\"wp-image-16275\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_02-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_02-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_02-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_02-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_02.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_03-1024x606.png\" alt=\"\" class=\"wp-image-16279\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_03-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_03-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_03-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_03-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/10\/wecity_imag_inversion_Barcelona-Premia-de-Dalt_03.png 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Location and environment<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2758.7531502227225!2d2.329766411175367!3d41.49723158905558!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x12a4b0d2af2cabed%3A0x8cbfffcbdb6ff2ba!2sCarrer%20Cam%C3%AD%20a%20Premi%C3%A0%20de%20Dalt%2C%2090%2C%2008329%20Tei%C3%A0%2C%20Barcelona!5e1!3m2!1ses!2ses!4v1728382750166!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p><strong>Tei\u00e0<\/strong> is the most exclusive residential neighborhood on the coast of <strong>Barcelona<\/strong>, located in the Maresme region, Catalonia, along the coast of the Mediterranean Sea. This charming village is known for its peaceful atmosphere and rich history, although its modern development has been strongly linked to agricultural and wine-growing activity.<\/p>\n\n\n\n<p>This municipality has an attractive <strong>historic center and a number of nature trails <\/strong>that are popular with residents and visitors alike. Today, it is a town that combines tradition and modernity, with an active cultural life and a growing offer of services and stores.<\/p>\n\n\n\n<p>The property is located at the top of the village, known for its breathtaking views of the hillside and the sea. Tei\u00e0 is more than a place to live; it is a haven where nature and tranquility meet, offering a perfect setting for those seeking a balance between modern life and the serenity of the natural environment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral<\/h2>\n\n\n\n<p>The loan will be secured by a<sup>1st<\/sup> degree mortgage on the asset and the building, located in Cam\u00ed a Premi\u00e0 de Dalt, Tei\u00e0, Barcelona.<\/p>\n\n\n\n<p>According to the appraisal report made by <strong>Sociedad de Tasaci\u00f3n<\/strong>, the current appraisal amounts to \u20ac 627,623.36 and the HET appraisal amounts to \u20ac 4,114,475.31. The loan to be made to the developer is 750,000 \u20ac, which means a Loan to Value (LTV) on current appraisal of 119.49%, a Loan to Value (LTV) on Completed Building Assumption (HET) of 48.61% and a Loan to Value (LTV) on first drawdown of 44.75%.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\n\n\n\n<p>The constitution, preservation, management, administration and, if applicable, enforcement of <strong>the real estate mortgage rights on behalf of wecity investors will be carried out by an external entity to wecity.<\/strong><\/p>\n\n\n\n<p><em>The Collateral Agent chosen for this project is<strong> Ceiba Global Alternative Investments SL<\/strong>, a company dedicated to the provision of fiduciary services by contract or mandate\u201d.<\/em><\/p>\n\n\n\n<p>Ceiba Global is a company owned by Ceiba Legal SL, a law firm specialized in alternative financing that provides services to several investment vehicles.<\/p>\n\n\n\n<p>In 2023, Ceiba Legal provided legal advisory services amounting to \u20ac150,000,000, formalizing and structuring more than \u20ac60,000,000 in alternative financing transactions.<\/p>\n\n\n\n<p><strong>At present, it is one of the most recognized firms in the Spanish market in the structuring of secured debt transactions.<\/strong><\/p>\n\n\n\n<p>Additionally, Ceiba provides legal advice to wecity throughout the life of the loan, from structuring to foreclosure.<\/p>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Monitoring<\/h2>\n\n\n\n<p>EThe promoter must justify the use of the funds in each of the provisions requested. The use of the funds by the promoter will be monitored by a company external to wecity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Rating<\/h2>\n\n\n\n<p>wecity, as a provider of crowdfunding services and in compliance with Delegated Regulation (EU) 2024\/358 supplementing Regulation (EU) 2020\/1503 of the European Parliament and of the Council, provides a <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">description of the method of credit rating<\/a><br>of the projects used to calculate the ratings. If the calculation is based on accounts that have not been audited, this shall be clearly stated in the description of the method.<\/p>\n\n\n\n<p style=\"font-size:24px\"><\/p>\n","protected":false},"featured_media":16263,"template":"","class_list":["post-16295","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/16295","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades"}],"about":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/types\/oportunidades"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media\/16263"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=16295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}