{"id":19260,"date":"2025-05-27T15:42:15","date_gmt":"2025-05-27T13:42:15","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/lisbon-loures-2\/"},"modified":"2025-06-16T18:24:25","modified_gmt":"2025-06-16T16:24:25","slug":"lisbon-loures-2","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/lisbon-loures-2\/","title":{"rendered":"Lisbon-Loures 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>\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 the acquisition of 2 floors.<\/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> 18 months (+6 months possible extension).<\/li>\n\n\n\n<li><strong>Required compliance: <\/strong>6 months.<\/li>\n\n\n\n<li><strong>Estimated yield:<\/strong> 17.25% (11.50% per annum).<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current<strong> RICS<\/strong> appraisal:<\/strong> 8,528,200 \u20ac <strong>| Current loan LTV: <\/strong>37.52%.<\/li>\n\n\n\n<li><strong>HET<strong> RICS<\/strong> appraisal:<\/strong> 12,026,000 \u20ac <strong>| LTV HET loan: <\/strong>27%.<\/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> 1,003,825 \u20ac.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan<\/strong>: 3,200,000 \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>: No limit.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>AM48 HOLDING, S.A.<\/strong> is requesting financing for a total of 3,200,000 euros for the acquisition of 2 plots, through an independent vehicle company, <strong>VARANDAUSENTE LDA,<\/strong> for the construction of 2 multi-family residential buildings, at Avenida Ant\u00f3nio Galv\u00e3o de Andrade, plots 3.1 and 3.2, in Santo Ant\u00f3nio dos Cavaleiros, Loures, <strong>Lisbon Portugal.<\/strong> <\/p>\n\n\n\n<p>The asset has a total area of 2,010 m\u00b2, where a development of <strong>76<\/strong> multi-family dwellings with between 1 and 4 bedrooms, distributed over 7 floors, will be developed. In addition, the buildings will include common areas such as coworking rooms, lounges, a shopping mall and parking lots. The total gross construction area amounts to 10,692 m\u00b2. The project has a <strong>building permit granted<\/strong> on April 7, 2025.   <\/p>\n\n\n\n<p>The developer is requesting financing in the amount of <strong>\u20ac3,200,000<\/strong>, of which the wecity investors will provide an initial tranche<strong>(Tranche I<\/strong>) of \u20ac1,600,000. <strong>Tranche II<\/strong> (\u20ac1,600,000) may be activated once Tranche I is financed.<\/p>\n\n\n\n<p>The project will be financed through a <strong>fixed-rate mortgage loan in the amount of \u20ac3,200,000, with a 1st degree mortgage guarantee <\/strong>on <strong>land<\/strong> other than the asset being financed in the<strong> Algarve area of Portugal.<\/strong><\/p>\n\n\n\n<p>To date, the <strong>developer has contributed equity of \u20ac1,003,825.59<\/strong> for the initial payment of the acquisition of the asset, as well as to cover the costs of the technical projects and professional fees.<\/p>\n\n\n\n<p>The <strong>repayment of the loan<\/strong> to the wecity investors is expected to occur with the sale of the development and the installment payments of the pre-sales, as established in the financing agreement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1716\" height=\"1016\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-1.png\" alt=\"\" class=\"wp-image-19180\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-1.png 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-1-1536x909.png 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1716\" height=\"1016\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-2.png\" alt=\"\" class=\"wp-image-19184\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-2.png 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-2-1536x909.png 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1716\" height=\"1016\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-4.png\" alt=\"\" class=\"wp-image-19188\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-4.png 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-4-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-4-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-4-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/05\/wecity_imag_inversion_Lisboa_Loures-4-1536x909.png 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/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=!1m17!1m12!1m3!1d3108.914078150555!2d-9.161049!3d38.81152199999999!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m2!1m1!2zMzjCsDQ4JzQxLjUiTiA5wrAwOSczOS44Ilc!5e0!3m2!1ses!2ses!4v1747757009020!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 project is located on Avenida Ant\u00f3nio Galv\u00e3o de Andrade, in the residential area of Santo Ant\u00f3nio dos Cavaleiros, municipality of Loures<strong>(Lisbon<\/strong>).<\/p>\n\n\n\n<p>With excellent connections to Lisbon via the A8, the IC22 and the Odivelas subway station, this location combines tranquility with quick access to the center of the capital. Its surroundings include essential services, green areas such as the Parque Urbano da Encosta, and points of interest such as the Museu Municipal de Loures and the Jardim de Santo Ant\u00f3nio dos Cavaleiros. <\/p>\n\n\n\n<p>A consolidated and well communicated area, ideal for both living and investment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral and appraisal<\/h2>\n\n\n\n<p>As a guarantee, and in order to secure the financing of the construction, the developer makes available another plot of land, the other two being free of charges or encumbrances for the bank, located in S\u00edtio do Anc\u00e3o or Garr\u00e3o, in Anc\u00e3o, Almancil, district of Faro, in the <strong>Algarve<\/strong> (Portugal). The plot has 104.066,75m<sup>2<\/sup>.<\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>tinsa<\/strong>, the current RICS appraisal amounts to \u20ac8,528,200. The loan to be made to the developer is <span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, \" segoe=\"\" ui=\"\" roboto=\"\" oxygen-sans=\"\" ubuntu=\"\" cantarell=\"\" neue=\"\" sans-serif=\"\">\u20ac3,200,000<\/span>, which implies a Loan to Value (LTV) on the current appraisal of 37.52% and a Loan to Value (LTV) on the Completed Building Assumption (HET) of 27%. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:26px\">Strengths<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Location of the warranty:<\/li>\n<\/ul>\n\n\n\n<p>The land is located in the area known as the \u201cGolden Triangle\u201d, which is the area of the <strong>Algarve<\/strong> where most of the properties with the highest prices are located.  <\/p>\n\n\n\n<p>It is composed of Quinta do Lago, Vale do Lobo and Vilamoura and is located 20 minutes from Faro International Airport.<\/p>\n\n\n\n<p>Vilamoura is a resort complex with an area of 20 km\u00b2 that includes a marina that houses large boats, Casino, luxury hotels, internationally recognized golf courses and several other infrastructures. Quinta do Lago is set on nearly 645 hectares of land with pine forests and lakes, surrounded by beautiful beaches, and offers a combination of exquisite services, an elite lifestyle and total privacy, in the heart of some of the most prestigious golf courses in Europe. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Promoter:<\/li>\n<\/ul>\n\n\n\n<p><strong>More than 25 years of experience in real estate investment and development<\/strong><\/p>\n\n\n\n<p>With more than two decades of experience in identifying investment opportunities and analyzing their profitability in advance, AM48 has developed a unique ability to act quickly in the market and access the <strong>best opportunities<\/strong> before other players in the sector. This expertise ranges from urban planning to real estate development &#8211; residential, commercial and tourism &#8211; with strong relationships with local authorities and efficient land and site management. AM48 oversees every stage of the life cycle of its projects: from <strong>conceptualization<\/strong> and <strong>design<\/strong>, to <strong>construction,<\/strong> <strong>marketing and sales,<\/strong> coordinating external suppliers and optimizing product, margins and commercial strategy.    <\/p>\n\n\n\n<p>Under the vision of Alejandro Martins, the company stands out for implementing innovative solutions and for its constant search for proposals that go beyond the obvious.<\/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<p><\/p>\n\n\n\n<p class=\"has-normal-font-size\">Rating<\/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 project credit rating method<\/a> 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><\/p>\n","protected":false},"featured_media":19176,"template":"","class_list":["post-19260","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/19260","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\/19176"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=19260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}