{"id":24587,"date":"2026-03-18T10:01:25","date_gmt":"2026-03-18T09:01:25","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/madrid-padilla\/"},"modified":"2026-03-23T16:16:50","modified_gmt":"2026-03-23T15:16:50","slug":"madrid-padilla","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/madrid-padilla\/","title":{"rendered":"Madrid Padilla"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">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 under number 9, with a favorable proposal from the <strong>Bank of Spain<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><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\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> Acquisition.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage.<\/li>\n\n\n\n<li><strong>Deadline:<\/strong> 9 months (+3 months possible extension)<\/li>\n\n\n\n<li><strong>Mandatory compliance: <\/strong>3 months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 10% per annum.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 7.50%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current appraisal (ECO): <\/strong>2.073.265,49 \u20ac <strong>LTV:<\/strong> 38,58 %<\/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>Aportaciones:<\/strong><ul><li><strong>Aportaci\u00f3n promotor:&nbsp;<\/strong>1.265.881,8 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> 800,000 \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 class=\"wp-block-paragraph\">The developer <strong>ELLEYHOME SL<\/strong> is requesting financing through <strong>wecity<\/strong> for the <strong>acquisition of a home at Calle Padilla 37 (Madrid). <\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is a <strong>175.20 sq. m.<\/strong> property that the developer plans to acquire, refurbish and subsequently offer for sale. The property has a purchase price of <strong>1,950,000.00 \u20ac<\/strong> and an estimated market value of <strong>3,300,000.00 \u20ac<\/strong>. As for the administrative management, the works will be processed through a <strong>Responsible Declaration<\/strong> and, for the time being, the commercialization phase has not started.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project will be financed through a <strong>mortgage loan<\/strong> in the amount of <strong>800,000.00 \u20ac <\/strong>at a fixed rate, which will be secured by <strong>a 1st degree mortgage guarantee<sup> <\/sup><\/strong>and will have a <strong>duration of 9 months<\/strong> (+3 months of possible extension).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1,265,881.80<\/strong>, which will be used for the acquisition of the asset and associated expenses; subsequently, the <strong>developer<\/strong> will provide the necessary <strong>funds <\/strong>for the refurbishment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>repayment of the loan <\/strong>to wecity investors will be through the sale of the refurbished home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">AInvest is not applicable at this time.  <\/p>\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!1d3036.9802885012023!2d-3.6799613253764676!3d40.43143537143727!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd4228b92a8ba0bd%3A0x6bee340d5fd7bac9!2sC.%20de%20Padilla%2C%2037%2C%20Salamanca%2C%2028006%20Madrid!5e0!3m2!1ses!2ses!4v1774278950095!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\">Located in Calle Padilla 37, in the Salamanca neighborhood of <strong>Madrid<\/strong>, this property is located in one of the most consolidated and demanded areas of the capital. A few minutes away there are shopping centers such as Calle Serrano and green areas such as El Retiro Park. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The location has good connections and a wide range of services, stores and restaurants. It is also close to main roads such as Pr\u00edncipe de Vergara, which makes it a practical option for both residence and investment. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The loan will be secured by a<sup>1st<\/sup> degree mortgage on the asset, located at Calle Padilla, 37 (Madrid).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report made by <strong><strong><strong><strong><strong>gesvalt<\/strong><\/strong><\/strong><\/strong><\/strong>the current appraisal amounts to 2.073.265,49 \u20ac. The loan to be made to the developer is \u20ac800,000, which means a Loan to Value (LTV) over the current appraisal of 38.58%. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":24533,"template":"","class_list":["post-24587","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/24587","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\/24533"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=24587"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}