{"id":24442,"date":"2026-03-03T10:35:02","date_gmt":"2026-03-03T09:35:02","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/lisboa-marques-de-pombal-2\/"},"modified":"2026-03-09T15:30:23","modified_gmt":"2026-03-09T14:30:23","slug":"lisboa-marques-de-pombal-2","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/lisboa-marques-de-pombal-2\/","title":{"rendered":"Lisboa-Marqu\u00e9s de Pombal 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, 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> Construction work.<\/li>\n\n\n\n<li><strong>Guarantee:<\/strong> First mortgage<\/li>\n\n\n\n<li><strong>Term:<\/strong> 6 months (+6 months possible extension)<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 12% per annum<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 6%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity<\/li>\n\n\n\n<li><strong>Current appraisal:<\/strong> \u20ac12,682,000.00 <strong>| LTV: <\/strong>39.43%<\/li>\n\n\n\n<li><strong>HET appraisal: <\/strong>\u20ac28,702,500.00 <strong>| HET LTV: <\/strong>17.42%<\/li>\n\n\n\n<li><strong>1st Drawdown:<\/strong> \u20ac3,977,079.00 <strong>| 1st Drawdown LTV: <\/strong>31.36%<\/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 estimated maturity date is 12\/09\/2026, coinciding with the estimated maturity date of PHASE I.<\/li>\n\n\n\n<li><strong>Contributions:<\/strong><ul><li><strong>w<\/strong><strong style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">ecity loan<\/strong><span style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\"> (Phase II): \u20ac1,300,000.00<\/span><\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Developer:<\/strong> \u20ac8,800,000.00<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> \u20ac500<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The developer, <strong>Noronha Sanches Investimentos Imobili\u00e1rios<\/strong>, has requested through <strong>wecity<\/strong> the activation of PHASE II for the start of construction work on a building on one of the main streets in central Lisbon. This is a luxury building with 11 apartments, located at Rua Castilho 217, Lisbon (Portugal).<\/p>\n\n\n\n<p>The property has a surface area of <strong>3,452.00 m\u00b2<\/strong>, where the development will be built, featuring apartments with 1 to 4 bedrooms, gardens, swimming pools, and parking spaces.<\/p>\n\n\n\n<p>The sale prices of each unit range from \u20ac950,000 to \u20ac4,500,000, with an approximate impact price of \u20ac14,650\/m\u00b2<strong><sup>2<\/sup><\/strong>.<\/p>\n\n\n\n<p>The total amount of the loan is \u20ac5,000,000 in two phases. On this occasion, we are going to finance Phase II of the loan in the amount of \u20ac1,300,000 at a fixed annual rate of 12%, which will have a first mortgage guarantee and an approximate duration of 6 months (maturity date September 12, 2026), plus a possible 6-month extension. This phase will be used to finance the start of construction.<\/p>\n\n\n\n<p>To date, the developer has contributed \u20ac8,800,000 of its own funds, which have been used to purchase the land, make bank loan payments, cover project and technical expenses, pay urban planning fees, and pay for demolition and excavation work.<\/p>\n\n\n\n<p>The exit of investors from <strong>wecity<\/strong> is planned with the entry of bank financing.<\/p>\n\n\n\n<p>Through wecity, you can participate in a fixed-rate mortgage loan operation at 12% per annum and with an estimated term of 6 months, with the possibility of a 6-month extension.<\/p>\n\n\n\n<p>The payment of interest plus the <strong>return of the capital<\/strong> invested 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 is-resized\"><img decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-5-1024x606.jpg\" alt=\"\" class=\"wp-image-20281\" style=\"width:1200px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-5-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-5-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-5-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-5-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-5-2048x1213.jpg 2048w\" 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\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-1-2-1024x606.jpg\" alt=\"\" class=\"wp-image-20285\" style=\"width:1200px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-1-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-1-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-1-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-1-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-1-2-2048x1213.jpg 2048w\" 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\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-2-2-1024x606.jpg\" alt=\"\" class=\"wp-image-20289\" style=\"width:1175px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-2-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-2-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-2-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-2-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-2-2-2048x1213.jpg 2048w\" 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\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-3-2-1024x606.jpg\" alt=\"\" class=\"wp-image-20293\" style=\"width:1175px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-3-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-3-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-3-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-3-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/07\/wecity_imag_inversion_Lisboa-Marques-de-Pombal-3-2-2048x1213.jpg 2048w\" 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!1d3112.510283407791!2d-9.157135!3d38.729051!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m2!1m1!2zMzjCsDQzJzQ0LjYiTiA5wrAwOScyNS43Ilc!5e0!3m2!1ses!2ses!4v1751973998578!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p>Rua Castilho 215-217 is located in one of the most distinguished areas of <strong>Lisbon<\/strong>, next to Avenida da Liberdade and just a few minutes from Pra\u00e7a Marqu\u00eas de Pombal. It is a well-established area in the real estate market, known for its elegant surroundings, good accessibility, and high-level services.<\/p>\n\n\n\n<p>The neighborhood combines exclusive residences, prestigious offices, and a wide range of hotels. Nearby attractions include Parque Eduardo VII\u2014one of the city&#8217;s largest green spaces\u2014luxury shops on Avenida da Liberdade, and rooftops with spectacular views such as Level Eight.<\/p>\n\n\n\n<p>The area is ideal for both residential use and investment, with properties ranging from renovated apartments to luxury developments. Its central location, the architectural quality of its buildings, and its proximity to key services make Rua Castilho one of the most desirable addresses in Lisbon.<\/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 first mortgage on the asset, located at Rua Castilho 215-217 <strong>(Lisbon)<\/strong>.<\/p>\n\n\n\n<p>According to the appraisal report prepared by <strong>uon consulting<\/strong>, the current appraisal value is \u20ac12,682,000.00 and the HET appraisal value is \u20ac28,702,500.00. The loan to be made to the developer in this second phase is \u20ac1,300,000.00, which represents a Loan to Value (LTV) on the current appraisal of 39.43%, a Loan to Value (LTV) on the Completed Building Hypothesis (HET) of 17.42%, and a Loan to Value (LTV) on the first drawdown of 31.36%.<\/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<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":19928,"template":"","class_list":["post-24442","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/24442","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\/19928"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=24442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}