{"id":17265,"date":"2024-11-27T11:45:52","date_gmt":"2024-11-27T10:45:52","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/madrid-la-moraleja\/"},"modified":"2025-03-13T16:40:19","modified_gmt":"2025-03-13T15:40:19","slug":"madrid-la-moraleja","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/madrid-la-moraleja\/","title":{"rendered":"Madrid-La Moraleja"},"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 <strong>CNMV<\/strong> as a Participatory Financing Service Provider, registered in the registry under number 9, with a favorable proposal from the <strong>Bank of Spain<\/strong>.<\/p>\n\n\n\n<p>Investor, before making your investment, please read the <a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/\">basic information for the investor client<\/a>, as well as the <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>: <em>&#8220;In 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 <\/em><a href=\"https:\/\/www.wecity.com\/en\/team\/\"><em>partners, managers and employees of wecity<\/em><\/a> <em>may invest in this opportunity .<\/em> <em>These investments will be made under the same conditions as those of other investors without receiving preferential treatment or privileged access to information.&#8221;<\/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> To finance the acquisition of a plot of land and the necessary investment to develop a project of 40 private residential units in La Solana de Valdebebas, which is part of the La Moraleja area, in Madrid.<\/li>\n\n\n\n<li><strong>Type of loan: <\/strong>Fixed-rate loan<\/li>\n\n\n\n<li><strong>Guarantee:<\/strong> 1st degree mortgage<\/li>\n\n\n\n<li><strong>Term:<\/strong> 3 months (+3 months possible extension)<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 12.5% per annum<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity<\/li>\n\n\n\n<li><strong>Current appraisal of VPPL plot (ECO) free of urbanization charges:<\/strong> 4.213.282,75 \u20ac : 92,56%<strong> LTV : <\/strong>92,56%<strong>.<\/strong><\/li>\n\n\n\n<li><strong>Rating:&nbsp;<\/strong><a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">A<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan:<\/strong> 46%<\/li>\n\n\n\n<li><strong>Developer:<\/strong> 54%<\/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>NiDra Homes, <\/strong>through the company <strong>Green Land Moraleja, S.L.<\/strong>, is requesting financing through <strong>wecity<\/strong> for the acquisition of a plot of land located in La Solana de Valdebebas, which is part of the surroundings of La Moraleja, in Madrid.<\/p>\n\n\n\n<p>The plot has an area of 6.877m<sup>2<\/sup> and the Architectural Project is in the development phase for license application. It is a developable plot, with the Urbanization Project and the Reparcelization Project definitively approved, and the urbanization works have started for the development of 40 VPPL dwellings.<\/p>\n\n\n\n<p>Currently, <strong>45%<\/strong> of the homes have been sold (18 of 40 units).<\/p>\n\n\n\n<p>The project will be financed through a <strong>fixed-rate mortgage loan in the amount of \u20ac3,900,000, and will be secured by a grade<\/strong> <strong>1 mortgage guarantee<\/strong><sup><strong>.<\/strong><\/sup><\/p>\n\n\n\n<p>The <strong>developer<\/strong> will contribute 54.01% of the investment at the time of the purchase-sale to pay the remaining part of the purchase price of the plot and the necessary investment.<\/p>\n\n\n\n<p>The <strong>repayment of the loan<\/strong> to the wecity investors will be made with the contributions made by the future buyers.<\/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 12.5% in an estimated term of 3 months<\/strong> (the 3 months of obligatory compliance) with apossibility of extension of 3 additional months.<\/p>\n\n\n\n<p>The payment of interest + the return of the invested capital will be made<strong> at maturity<\/strong>.<\/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\/11\/wecity_imag_inversion_Madrid-La-Moraleja_p-2-1024x606.png\" alt=\"\" class=\"wp-image-17245\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_p-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_p-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_p-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_p-2.png 1287w\" 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\/11\/wecity_imag_inversion_Madrid-La-Moraleja_00-1024x606.png\" alt=\"\" class=\"wp-image-17249\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_00-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_00-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_00-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_00.png 1287w\" 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\/11\/wecity_imag_inversion_Madrid-La-Moraleja_01-1024x606.png\" alt=\"\" class=\"wp-image-17253\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_01-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_01-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_01-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_01.png 1287w\" 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\/11\/wecity_imag_inversion_Madrid-La-Moraleja_02-1024x606.png\" alt=\"\" class=\"wp-image-17257\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_02-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_02-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_02-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2024\/11\/wecity_imag_inversion_Madrid-La-Moraleja_02.png 1287w\" 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=!1m14!1m12!1m3!1d2135.3410551356083!2d-3.6145308208624796!3d40.51019857180558!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!5e1!3m2!1ses!2ses!4v1732711984263!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>La Moraleja<\/strong> is one of the most exclusive and sought-after residential areas of Madrid, belonging to the municipality of Alcobendas. Known for the luxurious urbanization that gives its name to the area, La Moraleja offers a quiet and safe environment, ideal for those seeking privacy and comfort.<\/p>\n\n\n\n<p>Characterized by its high standard of living and quality of life, its proximity to the center of Madrid makes it an extraordinary option for families and professionals. In addition, it has an excellent infrastructure, including international schools, shopping centers, and a wide range of leisure and dining options.<\/p>\n\n\n\n<p>La Moraleja is also famous for its natural environment, with numerous parks and green areas. In short, living in La Moraleja is synonymous with exclusivity and quality of life.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral and appraisal<\/h2>\n\n\n\n<p>The loan will be secured by a<sup>1st<\/sup> degree mortgage on the plot: PARCEL RC-VPPL-3. Sector US 4.10 RP \u201cSolana de Valdebebas\u201d, in the municipality of Madrid, province of Madrid (28055).<\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>TINSA<\/strong>, the current appraisal of the VPPL plot, considering the charge for urbanization expenses, amounts to \u20ac3,061,850.19. However, this appraisal is conditioned to the lifting of an urban development charge corresponding to the urbanization expenses, amounting to \u20ac1,151,432.56 as of September 16, 2024, which are fully assumed by the seller.<\/p>\n\n\n\n<p>In order to ensure compliance with said obligation, the seller will grant, at the time of the notarization of the financing, a surety insurance or bank guarantee, of which the Developer Company will be the beneficiary for the aforementioned amount. Said bank guarantee will function as a first demand guarantee with waiver of the benefits of order, excusion and division or any other benefits.<\/p>\n\n\n\n<p>Therefore, the <strong>value of the plot will amount to \u20ac4,213,282.775.<\/strong> Taking this into account, the <strong>LTV<\/strong> on the appraisal price of the plot plus the bank guarantee or surety insurance is <strong>92.56%<\/strong>.<\/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 the real estate mortgage rights on behalf of wecity investors shall be carried out by an entity external to wecity.<\/p>\n\n\n\n<p>In this case, the appointed Collateral Agent will be the Collateral Agent of the key factsheet.<\/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<h2 class=\"wp-block-heading\">Monitoring<\/h2>\n\n\n\n<p>The promoter must justify the use of the funds in each of the applications. The use of the funds by the promoter will be monitored by a company external to wecity.<\/p>\n\n\n\n<p style=\"font-size:24px\"><\/p>\n","protected":false},"featured_media":17242,"template":"","class_list":["post-17265","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/17265","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\/17242"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=17265"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}