{"id":18379,"date":"2025-03-07T11:03:03","date_gmt":"2025-03-07T10:03:03","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/madrid-san-sebastian-de-los-reyes\/"},"modified":"2025-03-13T13:33:48","modified_gmt":"2025-03-13T12:33:48","slug":"madrid-san-sebastian-de-los-reyes","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/madrid-san-sebastian-de-los-reyes\/","title":{"rendered":"Madrid-San Sebasti\u00e1n de los Reyes"},"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\/\" 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, it is hereby informed that in this opportunity <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, managers and employees of wecity<\/a> may invest. 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> Financing of construction 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> 11.25% 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> 650,770.13 \u20ac <strong>| Current LTV: <\/strong>138.30%.<\/li>\n\n\n\n<li><strong>ECO Valuation <\/strong>(HET)<strong>:<\/strong> 1,722,608.20 <strong>| LTV HET: <\/strong>52.25%.<\/li>\n\n\n\n<li><strong>First drawdown: <\/strong>217,707.23 \u20ac<strong> | LTV 1st drawdown: <\/strong>33.45%  217,707.23 \u20ac<\/li>\n\n\n\n<li><strong>Rating: <\/strong><a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\" target=\"_blank\" rel=\"noreferrer noopener\">A<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>Promoter:<\/strong> 463,000\u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan<\/strong>: 900,000 \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> \u20ac2,500 during the first hour.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>Koul Construcci\u00f3n<\/strong>, through the company <strong>Koul Construcci\u00f3n Inteligente S.L<\/strong>., is applying to Wecity for funding to cover the costs of building a development of five homes located at 15 Calle Santa Teresa de Jes\u00fas, San Sebasti\u00e1n de los Reyes, <strong>Madrid<\/strong>.<\/p>\n\n\n\n<p>The project has a license to develop a 5-unit building with a constructed area of 446.48 m2 and 326.07 m2 of usable space distributed over 3 floors. The development consists of 4 two-bedroom units of approximately 80 m2 with a terrace and a three-bedroom unit of approximately 100 m2 with a small private garden. In addition, all the homes have a storage room and a small communal garden.<\/p>\n\n\n\n<p>Commercially, <strong>no sales have been made.<\/strong><\/p>\n\n\n\n<p>The project will be financed through a mortgage <strong>loan in the amount of \u20ac900,000 at a fixed rate<\/strong>, which will have a first-degree mortgage guarantee, for the execution of the work within a period of 15+6 months.<\/p>\n\n\n\n<p><strong>The developer has contributed equity<\/strong> amounting to \u20ac463,000, which has been used for the acquisition of the asset, demolition and payment of some technical costs.<\/p>\n\n\n\n<p>The exit of the investors from wecity takes place with the sale and delivery of the homes to the buyers.<\/p>\n\n\n\n<p>Through wecity you can participate in a <strong>loan at a fixed rate with an<\/strong> annual <strong>interest rate of 11.25% over an estimated term of 15 months<\/strong> (6 months mandatory) with thepossibility of an extension for an additional 6 months.<\/p>\n\n\n\n<p>The payment of interest plus 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\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-2-1024x606.jpg\" alt=\"\" class=\"wp-image-18336\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-2.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\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1-1024x606.jpg\" alt=\"\" class=\"wp-image-18340\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1.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\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1024x606.jpg\" alt=\"\" class=\"wp-image-18344\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/03\/wecity_imag_inversion_Madrid-San-Sebastian-de-los-Reyes.jpg 1716w\" 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!1d3031.808415961691!2d-3.634413125745975!3d40.54582164777509!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd422cfa9e3eda77%3A0x7a928dae2ca469c7!2sC.%20de%20Sta.%20Teresa%20de%20Jes%C3%BAs%2C%2015%2C%2028701%20San%20Sebasti%C3%A1n%20de%20los%20Reyes%2C%20Madrid!5e0!3m2!1ses!2ses!4v1741342085952!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>San Sebasti\u00e1n de los Reyes<\/strong> is a municipality north of Madrid, well connected and in full real estate growth. It offers a wide range of services and excellent connectivity with the capital, which makes it an attractive place for both residents and investors. Near <strong>Calle Santa Teresa de Jes\u00fas 15<\/strong>, there are spaces such as <strong>La Vi\u00f1a Shopping Center<\/strong> and <strong>Parque de la Marina<\/strong>, which provide comfort and leisure. In addition, the <strong>San Sebasti\u00e1n de los Reyes commuter train station<\/strong> provides direct access to Madrid. With more affordable prices than other nearby areas, and a good range of businesses, such as the <strong>Industrial Park of Los Berrocales<\/strong>, it is an ideal option for families and professionals looking for tranquility and proximity to the capital.    <\/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 Santa Teresa de Jes\u00fas 15, San Sebasti\u00e1n, Madrid.<\/p>\n\n\n\n<p>According to the appraisal report made by <strong><strong>APPRAISAL COMPANY<\/strong><\/strong> the current appraisal amounts to 650,770.13 \u20ac The loan to be made to the developer is 463,000 \u20ac which means a Loan to Value (LTV) over the current appraisal of 138.30%.<\/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. 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":18332,"template":"","class_list":["post-18379","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/18379","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\/18332"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=18379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}