{"id":19155,"date":"2025-05-12T18:08:25","date_gmt":"2025-05-12T16:08:25","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/barcelona-premia-de-dalt-ii\/"},"modified":"2025-05-13T18:12:11","modified_gmt":"2025-05-13T16:12:11","slug":"barcelona-premia-de-dalt-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/barcelona-premia-de-dalt-ii\/","title":{"rendered":"Barcelona-Premi\u00e0 de Dalt II"},"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 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> 8 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% p.a.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 7.33%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity<\/li>\n\n\n\n<li><strong>ECO appraisal <\/strong>(current)<strong>:<\/strong> 1,128,910.79 \u20ac | Current LTV: 110.73%<\/li>\n\n\n\n<li><strong>ECO<strong>appraisal<\/strong> <\/strong>(HET)<strong>:<\/strong> 4.114.475,31 \u20ac | LTV HET: 48,61%<\/li>\n\n\n\n<li><strong>LTV 1st disposal: <\/strong>70% <strong>LTV 1st disposal: <\/strong>70% <strong>LTV 1st disposal: <\/strong>70% <strong>LTV 1st disposal: <\/strong>70% <strong>LTV 1st disposal: <\/strong>70% <strong>LTV <\/strong><\/li>\n\n\n\n<li><strong>Rating: <\/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>794.592,99\u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity Phase II Loan:<\/strong> 500,000\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> 500 \u20ac during the first half hour.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>Prosperity Grounds, S.L., <\/strong>is requesting financing through <strong>wecity<\/strong> to cover the construction costs of a luxury villa in <strong>Cam\u00ed a Premi\u00e0 de Dalt, Tei\u00e0, Barcelona.<\/strong><\/p>\n\n\n\n<p>The project has the <strong>building permit<\/strong> <strong>granted<\/strong>. The property has a plot area of 800<sup>m2 on <\/sup>which will be developed a house of 588.15<sup>m2.<\/sup> The villa will have 5 bedrooms, garden and private pool, as well as spectacular sea views, and a construction with high quality materials. The property is currently being marketed and its selling price is 4,200,000 \u20ac.   <\/p>\n\n\n\n<p>This loan corresponds to Phase II of a total loan of \u20ac2,000,000 in which Phase I (\u20ac750,000) has already been successfully financed.<\/p>\n\n\n\n<p>The amount of the <strong>Phase II<\/strong> loan will be \u20ac500,000 at a fixed rate and will be secured by a <strong><sup>first<\/sup><\/strong> mortgage <strong><sup>guarantee1<\/sup><\/strong>.<\/p>\n\n\n\n<p><strong>794,592.99<\/strong> (51.44%), to cover the cost of land acquisition and technical expenses for the start of construction.  <\/p>\n\n\n\n<p><strong>Tailor&amp;Bau<\/strong> is the delegated developer of the project, and the developer company is Prosperity Grounds, S.L.<\/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 8 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 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\/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 surroundings<\/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 winemaking 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 both residents and visitors. 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 situated high above 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 prepared by <strong>Sociedad de Tasaci\u00f3n<\/strong>, the current appraisal amounts to \u20ac1,128,910.79 and the HET appraisal amounts to \u20ac4,114,475.31. The loan to be made to the developer is 500,000 \u20ac, which implies a Loan to Value (LTV) on current appraisal of 110.73%, a Loan to Value (LTV) on Completed Building Assumption (HET) of 48.61% and a Loan to Value (LTV) on first drawdown of 70%. <br><\/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 loan agreement.  <\/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\">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\" style=\"font-size:24px\">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":16263,"template":"","class_list":["post-19155","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/19155","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=19155"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}