{"id":20640,"date":"2025-08-26T12:28:33","date_gmt":"2025-08-26T10:28:33","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/barcelona-sant-pere-de-ribes\/"},"modified":"2025-08-29T15:39:04","modified_gmt":"2025-08-29T13:39:04","slug":"barcelona-sant-pere-de-ribes","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/barcelona-sant-pere-de-ribes\/","title":{"rendered":"Barcelona-Sant Pere de Ribes"},"content":{"rendered":"\n<p>WECITY complies with Regulation (EU) 2020\/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of equity finance services for enterprises and Title V of Law 5\/2015 on the promotion of business financing WECITY complies with Regulation (EU) 2020\/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of equity finance services for enterprises and Title V of Law 5\/2015 on the promotion of business financing, of October 7, 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 September 28, 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<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<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<h2 class=\"wp-block-heading\">The investment<\/h2>\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.<\/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 (+3 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> 16.50% total.<\/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> 5,874,338.00 \u20ac <strong>| Current loan LTV: <\/strong>30.64%.<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">A<\/a><\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>Promoter:<\/strong> 1.979.745,20 \u20ac.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Wecity loan<\/strong>: 1.800.000,00 \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\n\n\n<li>The <strong>loan will mature<\/strong> in March 2027 with the possibility of extending the term until June 2027.<\/li>\n<\/ul>\n<\/div><\/div>\n\n<p>The developer Seastone Homes, through the company <strong>Seastone Sant Pere de Ribes SL<\/strong> is requesting financing through wecity for the acquisition of 3 plots located in <strong>Les Roquetes, Sant Pere de Ribes, Barcelona.<\/strong><\/p>\n\n<p>The project consists of the acquisition of a total of 3 plots of land on which 47 semi-detached single-family houses will be developed. The total area of the 3 plots is 7,248.60<sup>m2<\/sup> and the buildable area is 9,165.00<sup>m2.<\/sup> Each of the houses has about 195<sup>m2<\/sup> built surface distributed in 2 floors above ground and basement, with 3 bedrooms, 2 parking spaces in the basement and garden.  <\/p>\n\n<p>The urbanization works have already been received by the City Council and the developer is in the drafting phase of the Basic Project for the application of the Building Permit.<\/p>\n\n<p>At the commercial level, sales have not yet begun; the developer intends to <strong>start marketing in <\/strong> September. <strong><br\/><\/strong><strong>in the month of September. <\/strong>The total sales volume will be \u20ac24,171,442, at an average of \u20ac514,286 per property.<\/p>\n\n<p>The project will be financed through a mortgage loan in the amount of <strong>\u20ac1,800,000 at a fixed rate, which will have a first rank mortgage guarantee. <\/strong>The amount of the loan will be<strong> <\/strong>used to finance part of the acquisition costs of the 3 plots that make up the project and that will be mortgaged.<\/p>\n\n<p>The developer will provide its own funds in the amount of \u20ac1,979,745.20 for the acquisition of the 3 plots.  <\/p>\n\n<p>The <strong>repayment of the loan <\/strong>to<strong> <\/strong>wecity investors is planned with the entry of bank financing.<\/p>\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\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\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes.jpg\" alt=\"\" class=\"wp-image-20609\" style=\"width:808px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes.jpg 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-1536x909.jpg 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\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\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-3.jpg\" alt=\"\" class=\"wp-image-20613\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-3.jpg 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-3-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-3-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-3-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-3-1536x909.jpg 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\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\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-2.jpg\" alt=\"\" class=\"wp-image-20617\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-2.jpg 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-2-1536x909.jpg 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\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\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-5.jpg\" alt=\"\" class=\"wp-image-20621\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-5.jpg 1716w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-5-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-5-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-5-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/08\/wecity_imag_inversion_Barcelona-Sant-Pere-de-Ribes-5-1536x909.jpg 1536w\" sizes=\"(max-width: 1716px) 100vw, 1716px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Location and surroundings<\/h2>\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m14!1m12!1m3!1d3157.9171779271564!2d1.7520463318745019!3d41.23281530817228!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!5e1!3m2!1ses!2ses!4v1756467548158!5m2!1ses!2ses\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n<p><strong>Les Roquetes, Barcelona.<\/strong>  Carrer del Tur\u00f3 de l&#8217;Home.<\/p>\n\n<p>Located in <strong>Sant Pere de Ribes<\/strong>, next to the Garraf massif, this project offers spectacular homes in a unique setting, close to the sea and the mountains.  <\/p>\n\n<p>It is located just <strong>30 minutes from Barcelona<\/strong> and 5 minutes from Sitges, known for its beaches and vibrant cultural scene. In addition, the area has four schools in the surrounding area: three international and one Catalan. <\/p>\n\n<h2 class=\"wp-block-heading\">Collateral and appraisal<\/h2>\n\n<p>The loan will be secured by a 1st degree mortgage on the asset located in Sant Pere de Ribes (Barcelona).<\/p>\n\n<p>According to the appraisal report prepared by <strong>MOORE IB\u00c9RICA CONSULTORES S.L.<\/strong>, the current appraisal amounts to <strong>\u20ac5,874,338.00.<\/strong> The loan to be made to the developer is <strong>1,800,000.00 \u20ac<\/strong>, within a project with a total cost of <strong>11,792,874.00 \u20ac<\/strong>. This means a <strong>Loan to Value (LTV) over current appraisal of 30.64%<\/strong> and a <strong>Loan to Cost (LTC) of 15.77%<\/strong>.  <\/p>\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\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<p>In this case, the designated Collateral Agent will be the one indicated in the Fundamental Data Sheet of the investment.<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Rating<\/h2>\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<h2 class=\"wp-block-heading\">Monitoring<\/h2>\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<p><\/p>\n","protected":false},"featured_media":20626,"template":"","class_list":["post-20640","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/20640","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\/20626"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=20640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}