{"id":23471,"date":"2026-01-14T13:23:27","date_gmt":"2026-01-14T12:23:27","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/oporto-rio-douro-ii\/"},"modified":"2026-01-15T11:06:05","modified_gmt":"2026-01-15T10:06:05","slug":"oporto-rio-douro-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/oporto-rio-douro-ii\/","title":{"rendered":"Oporto-Rio Douro II"},"content":{"rendered":"\n<p><strong>wecity<\/strong> 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 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, we hereby inform you that <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, managers and employees of wecity<\/a> may invest in this opportunity. These investments will be made on the same terms 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> To finance 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> 11 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% per annum.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 10.54%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity<\/li>\n\n\n\n<li><strong>Current appraisal:<\/strong> 2,828,694 \u20ac <strong>| LTV: <\/strong>70.70%<\/li>\n\n\n\n<li><strong>HET appraisal: <\/strong>6,396,200 \u20ac <strong>| LTV HET: <\/strong>31.27%<\/li>\n\n\n\n<li><strong>1st drawdown phase II: <\/strong>1,176,005 \u20ac <strong>| LTV 1st drawdown: <\/strong>41.57%<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">AA<\/a><\/li>\n\n\n\n<li>The <strong>estimated maturity<\/strong> is scheduled for July 8, 2027 coinciding with the estimated maturity of PHASE I.<\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>Promoter:<\/strong> 1.440.859,00 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan<\/strong>: 1.000.000 \u20ac<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> 250 \u20ac<\/li>\n\n\n\n<li><strong>Maximum investment:<\/strong> 250 \u20ac during the first half hour.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer <strong>Kokyu Properties.<\/strong> requests through <strong>wecity<\/strong> the activation of PHASE II to continue with the financing of the construction costs of a development of a 12-story building and a commercial space, located at Rua dos Polacos 6, Vila Nova de Gaia, Oporto (Portugal). <\/p>\n\n\n\n<p>The asset, which has a surface area of <strong>2,178.84 m\u00b2<\/strong>, is being developed and will include 2 and 3-bedroom apartments, a gymnasium and garage. In addition, the project has a building permit, which was granted on January 28, 2025. At the commercial level, the project has a <strong>pre-sales level of 58% (7 out of 12). <\/strong>According to the appraisal, the project is <strong>17%<\/strong> complete. <\/p>\n\n\n\n<p>The amount of the <strong>Phase II <\/strong>loan will be <strong>\u20ac1,000,000<\/strong> to continue financing the cost of the works.  <\/p>\n\n\n\n<p>The project will be financed through a <strong>mortgage loan with a 1st degree mortgage guarantee<\/strong>, with an estimated duration of 11 months (+6 months of possible extension).<\/p>\n\n\n\n<p>To date, the <strong>developer has contributed its own funds<\/strong>, which, together with the amounts paid by the buyers, total <strong>\u20ac1,440,859.00.<\/strong> <\/p>\n\n\n\n<p>The exit of <strong>wecity<\/strong> &#8216;s investors is planned with the deeds once the work is 100% completed, the corresponding permits are obtained and delivered to the buyers.<\/p>\n\n\n\n<p>Through <strong>wecity<\/strong> you can participate in a fixed-rate loan operation with an annual interest rate of 11.50% for an estimated term of 11 months (6 months mandatory) with the possibility of an extension of 6 additional months.<\/p>\n\n\n\n<p>The payment of interest plus the return of the invested capital will be made at maturity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1-1024x606.jpg\" alt=\"\" class=\"wp-image-19516\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-2-1024x606.jpg\" alt=\"\" class=\"wp-image-19520\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-2.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1024x606.jpg\" alt=\"\" class=\"wp-image-19528\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla.jpg 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-4-1024x606.jpg\" alt=\"\" class=\"wp-image-19532\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-4-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-4-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-4-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-4-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/06\/wecity_imag_inversion_Valencia-Nuevo-Mestalla-4.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=!1m17!1m12!1m3!1d3004.8865285527636!2d-8.606682!3d41.137003!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m2!1m1!2zNDHCsDA4JzEzLjIiTiA4wrAzNicyNC4xIlc!5e0!3m2!1ses!2ses!4v1750154250285!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>Vila Nova de Gaia<\/strong> is internationally known for being home to the iconic Port wine cellars, but its appeal goes far beyond that. This city offers a wide variety of experiences for both those who visit and those who call it home. <\/p>\n\n\n\n<p>Separated from the hustle and bustle of Porto only by its bridges, Gaia stretches along the south bank of the Douro River, offering its explorers multiple amenities and enchanting landscapes.<\/p>\n\n\n\n<p>Its urban center is located just 10 minutes from the historic center of Porto and a few kilometers from spectacular Atlantic beaches, easily accessible by car or public transport.<\/p>\n\n\n\n<p>In the latest edition of the <em>Bloom Consulting Portugal City Brand Ranking\u00a9<\/em>, Vila Nova de Gaia was positioned as the sixth best city in the country to live, visit or invest, remaining in the top 10 since 2018.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral<\/h2>\n\n\n\n<p>According to the appraisal report made by <strong>STRUCTURE VALUE<\/strong>, the current appraisal amounts to \u20ac2,828,694. The loan to be made to the developer is \u20ac1,000,000, which together with the \u20ac1,000,000 of Phase I amounts to \u20ac2,000,000. This means a Loan to Value (LTV) on current appraisal of 70.70% and a Loan to Value of 1st disposal of 41.57%. The HET appraisal (Hypothetical finished building) amounts to \u20ac6,396,200, which represents a Loan to Value HET of 31.27%.   <\/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","protected":false},"featured_media":23536,"template":"","class_list":["post-23471","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/23471","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\/23536"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=23471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}