{"id":19235,"date":"2025-05-20T18:13:21","date_gmt":"2025-05-20T16:13:21","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/barcelona-esplugues\/"},"modified":"2025-05-22T16:47:56","modified_gmt":"2025-05-22T14:47:56","slug":"barcelona-esplugues","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/barcelona-esplugues\/","title":{"rendered":"Barcelona-Esplugues"},"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>\u201cIn 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.\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> To finance acquisition and construction costs.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage<\/li>\n\n\n\n<li><strong>Term:<\/strong> 12 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> 11.50% p.a.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 11.50%<\/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> 1.150.640,00 \u20ac | Current LTV: 115,15%<\/li>\n\n\n\n<li><strong>ECO<strong>appraisal<\/strong> <\/strong>(HET)<strong>:<\/strong> 2.427.895,00 \u20ac | LTV HET: 54,57%<\/li>\n\n\n\n<li><strong>1st drawdown: <\/strong>750,320.70 \u20ac | LTV 1st drawdown:<strong> <\/strong>65.21%<\/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>603,000 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan<\/strong>: 1,325,000 \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>Inversiones Shaporo SL<\/strong>, requests financing through wecity to finance part of the acquisition and construction costs of a building in Esplugues de Llobregat, Barcelona.  <\/p>\n\n\n\n<p>The project has the <strong>building permit<\/strong> granted. The building has a plot area of 189<sup>m2<\/sup> on which 6 dwellings of 754.88<sup>m2<\/sup> in total will be developed. The houses will have 3 bedrooms and 2 bathrooms. The building is currently 34% complete and the total sale price is 2,364,000 \u20ac. At the commercial level, the project has a pre-sale level of 33% (2 out of 6).<\/p>\n\n\n\n<p>The amount of the loan will be <strong>\u20ac1,325,000 at a fixed rate and will be secured by a first mortgage guarantee.<\/strong><strong><sup>1<\/sup><\/strong>603,000 (31.28%) at the time of acquisition, to cover the cost of land acquisition.<br>The<strong>loan<\/strong> will be <strong>repaid<\/strong> to the wecity investors when the homes are sold.<\/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 11.50% for an estimated term of 12 months<\/strong> (6 months mandatory) with the possibility of extending for an additional 6 months<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\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-1-1024x606.png\" alt=\"\" class=\"wp-image-19197\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-1.png 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\/05\/wecity_imag_inversion_Barcelona_Esplugues-2-1024x606.png\" alt=\"\" class=\"wp-image-19201\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-2.png 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\/05\/wecity_imag_inversion_Barcelona_Esplugues-3-1-1024x606.png\" alt=\"\" class=\"wp-image-19214\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-3-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-3-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-3-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-3-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-3-1.png 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\/05\/wecity_imag_inversion_Barcelona_Esplugues-4-1024x606.png\" alt=\"\" class=\"wp-image-19218\" style=\"width:861px;height:undefinedpx\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-4-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-4-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-4-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-4-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Barcelona_Esplugues-4.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!1d5988.023091769838!2d2.093557874864768!3d41.37383387130156!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x12a4990563b2ea13%3A0x451d4149c00960eb!2sCarrer%20de%20Vidal%20i%20Ribas%2C%204%2C%2008950%20Esplugues%20de%20Llobregat%2C%20Barcelona!5e0!3m2!1ses!2ses!4v1747757714785!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p>Carrer de Vidal i Ribas, 4 is located in Esplugues de Llobregat, a quiet residential area well connected to <strong>Barcelona<\/strong>. Close to neighborhoods such as Pedralbes and Sarri\u00e0, it offers quick access to the city and key services such as international schools (American School, German School), hospitals and green areas such as the Parc de Can Vidalet. <\/p>\n\n\n\n<p>It is a practical and convenient location, ideal for families or professionals looking to live close to Barcelona in a more relaxed 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 at 4 Carrer de Vidal i Ribas, Esplugues de Llobregat, Catalonia.<\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>Sociedad de Tasaci\u00f3n<\/strong>, the current appraisal amounts to \u20ac1,150,640.00 and the HET appraisal amounts to \u20ac2,427,895.00. The loan to be made to the developer is \u20ac1,325,000.00, which means a Loan to Value (LTV) on current appraisal of 115.15%, a Loan to Value (LTV) on Completed Building Assumption (HET) of 54.57% and a Loan to Value (LTV) on first drawdown of 65.21%. <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":19194,"template":"","class_list":["post-19235","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/19235","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\/19194"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=19235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}