{"id":17846,"date":"2025-01-22T18:11:34","date_gmt":"2025-01-22T17:11:34","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/madrid-la-fortuna\/"},"modified":"2025-03-13T14:11:48","modified_gmt":"2025-03-13T13:11:48","slug":"madrid-la-fortuna","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/madrid-la-fortuna\/","title":{"rendered":"Madrid-La Fortuna"},"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 equity finance 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 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\/\" target=\"_blank\" rel=\"noreferrer noopener\">basic information for the investor client<\/a>, as well as the <a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/#periodo_reflexi%C3%B3n\">pre-contractual cooling-off 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 October 7, 2020 on European providers of equity financing, we hereby inform you that <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, managers and employees of wecity<\/a> may invest in this opportunity. These investments will be made on the same terms 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 works and technical costs.<\/li>\n\n\n\n<li><strong>Type: <\/strong>Fixed-rate loan.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong> 1st degree mortgage collateral.<\/li>\n\n\n\n<li><strong>Term:<\/strong> 15 months (+6 months possible extension).<\/li>\n\n\n\n<li><strong>Required compliance: <\/strong>6 months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 11% per annum.<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current appraisal <strong>(ECO)<\/strong>:<\/strong> 947,745 \u20ac <strong>| Current LTV: <\/strong>58.03%.<\/li>\n\n\n\n<li><strong>ECO valuation <\/strong>(HET)<strong>:<\/strong> 3.509.881\u20ac<strong> | LTV HET: <\/strong>59,83%.<\/li>\n\n\n\n<li><strong>First drawdown: <\/strong>255.058,76 \u20ac<strong> | LTV 1\u00aa <strong>drawdown<\/strong>: <\/strong>26,91%<\/li>\n\n\n\n<li><strong>Rating:&nbsp;<\/strong><a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\" target=\"_blank\" rel=\"noreferrer noopener\">AA<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>Promoter:<\/strong> 821,538\u20ac (39,12%)<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan<\/strong> <strong>Phase I<\/strong>: 550,000 \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> 2.000 \u20ac during the first hour.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>Auna Arquitectos,<\/strong> through the company <strong>VIVE LEGAN\u00c9S SL<\/strong>, is requesting financing from wecity to finance the technical and construction costs of a development of 6 semi-detached single-family houses located in Oporto Street, La Fortuna, <strong>Legan\u00e9s<\/strong> ( <strong>Madrid).<\/strong><\/p>\n\n\n\n<p>The site has an area of 1,170<sup>m2<\/sup> on which the 1,138<sup>m2<\/sup> project will be developed. Each house has 180<sup>m2<\/sup> built with 3 bedrooms distributed in 3 floors, in addition to two parking spaces in the outside area. The project already has a <strong>building permit granted <\/strong>for the development of the 6 dwellings and the <strong>works have started in January 2025<\/strong>. At the commercial level, <strong>2 of 6 homes<\/strong> have been <strong>sold (33%)<\/strong> with down payments of \u20ac80,000 per home. Sales prices range from \u20ac500,000 to \u20ac600,000.<\/p>\n\n\n\n<p>The project will be financed through a fixed-rate <strong>mortgage loan <\/strong>of \u20ac2,100,000,<strong> which will be secured by a first mortgage guarantee.<\/strong> For this opportunity <strong>, a first phase will be activated for an amount of \u20ac550,000, which may reach up to a maximum of three phases.<\/strong><\/p>\n\n\n\n<p>The <strong>promoter<\/strong> has contributed <strong>its own funds<\/strong> in the amount of <strong>\u20ac821,538<\/strong>, which have been allocated to the acquisition of the asset and payment of technical costs.<\/p>\n\n\n\n<p><strong>The repayment of the loan to wecity&#8217;s investors will take place with the sale and delivery of the homes to the buyers.<\/strong><\/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 the possibility of extending for an additional 6 months at<strong> <\/strong>.<\/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\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_00-1024x606.jpg\" alt=\"\" class=\"wp-image-17798\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_00-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_00-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_00-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_00-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_00-2048x1213.jpg 2048w\" 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\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_01-1-1024x606.jpg\" alt=\"\" class=\"wp-image-17810\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_01-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_01-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_01-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_01-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_01-1-2048x1213.jpg 2048w\" 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\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_04-1-1024x606.jpg\" alt=\"\" class=\"wp-image-17815\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_04-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_04-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_04-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_04-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_04-1-2048x1213.jpg 2048w\" 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\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_05-1024x606.jpg\" alt=\"\" class=\"wp-image-17819\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_05-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_05-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_05-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_05-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/01\/wecity_imag_inversion_Madrid_La-Fortuna_05-2048x1213.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Location and surroundings<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3040.421506919846!2d-3.783716423581066!3d40.35517725938262!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd4189a6d8bd51e3%3A0xa9db9d9334f9c38c!2sC.%20de%20Oporto%2C%20140%2C%2028917%20La%20Fortuna%2C%20Madrid!5e0!3m2!1ses!2ses!4v1737628159042!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p>The neighborhood of<strong> Legan\u00e9s-La Fortuna<\/strong>, located south of Madrid, is a quiet residential area that combines competitive real estate prices with excellent connectivity. With access to Metro Line 11 and proximity to main roads such as the M-40 and the A-5, it is ideal for those seeking proximity to the capital without assuming the high costs of the center. Its real estate offer ranges from traditional apartments to new developments, adapting to different buyer profiles, from families to investors.  <\/p>\n\n\n\n<p>As for its surroundings, La Fortuna is close to green spaces such as the Polvoranca Park, perfect for outdoor activities, and has a wide range of services: schools, health centers and local stores. It is also just a few minutes from the Parquesur shopping center, one of the largest in the Community of Madrid, and has easy access to leisure and entertainment areas, which increases its attractiveness for living and investing. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral and appraisal<\/h2>\n\n\n\n<p>The loan will be secured by a<sup>1st<\/sup> degree mortgage on the asset located at Calle Oporto, 140, Legan\u00e9s, Madrid.  <\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>SOCIEDAD DE TASACI\u00d3N<\/strong>, the current appraisal amounts to \u20ac947,745. The loan to be made to the developer is \u20ac550,000, which means a Loan to Value (LTV) over the current appraisal of 58.03%.   <\/p>\n\n\n\n<p>The HET value of the asset is \u20ac3,509,881, and the total of the 3 phases of the loan amounts to \u20ac2,100,000, which implies a LTV HET of 59.83%.<\/p>\n\n\n\n<p>Finally, the first drawdown of the loan is \u20ac255,058, which represents a 1st drawdown LTV of 26.91%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\n\n\n\n<p>The constitution, conservation, management, administration and, if applicable, enforcement of the pledge on behalf of wecity&#8217;s investors shall be carried out by an entity external to wecity.<\/p>\n\n\n\n<p>In this case, the designated Collateral Agent will be the one indicated in the Fundamental Data Sheet of the investment.<\/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 equity financing 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\/\" target=\"_blank\" rel=\"noreferrer noopener\">description of the credit rating method<\/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.\nThe 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":17833,"template":"","class_list":["post-17846","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/17846","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\/17833"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=17846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}