{"id":27685,"date":"2026-07-30T10:55:17","date_gmt":"2026-07-30T08:55:17","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/madrid-arganda-del-rey\/"},"modified":"2026-08-24T13:34:57","modified_gmt":"2026-08-24T11:34:57","slug":"madrid-arganda-del-rey","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/madrid-arganda-del-rey\/","title":{"rendered":"Madrid, Arganda del Rey"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><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 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>\u201cIn accordance with Article 8.2 of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of October 7, 2020, on European crowdfunding providers, we hereby inform you that <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, executives, and employees of <strong>wecity<\/strong><\/a> may invest on this occasion. 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>Type<\/strong>: Fixed-rate mortgage loan<\/li>\n\n\n\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>Term:<\/strong> 6 months (plus a possible 3-month extension).<\/li>\n\n\n\n<li><strong>Mandatory compliance: <\/strong>3<strong> <\/strong>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> 5%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current Appraised Value (ECO): \u20ac<\/strong>1<strong> <\/strong>,624,485.01<strong> LTV:<\/strong> 73.86%<\/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><strong>Contributions:<\/strong><ul><li><strong>Cooperative:<\/strong> \u20ac1,944,237.89<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>wecity loan:<\/strong> \u20ac1,200,000.00<\/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 class=\"wp-block-paragraph\">The developer, <strong>VALDELARCIPRESTE VIVIENDA SOCIAL, S. COOP. MAD\u2014a <\/strong>cooperative managed by <strong>CITARA <\/strong> <strong>\u2014 <\/strong> <strong>is seeking <\/strong>financing through <strong>wecity<\/strong> to cover part of <strong>the cost of acquiring a lot<\/strong> at Av. de Europa, 2 (Arganda del Rey, Madrid). A development of 48 housing units will be built on the plot, of which 36 will be VPPB units and the remaining 12 will be VPPL units. The 48 housing units will feature 2 or 3 bedrooms, 98 parking spaces, 48 storage units, and a commercial space. The lot has a total area of 1,560 m\u00b2 and a buildable area of 5,596 m\u00b2. Regarding the <strong>building permit<\/strong>, it should be noted that it has already been<strong> granted.<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cooperative is applying <strong>for<\/strong> a <strong>fixed-rate mortgage loan in the amount of \u20ac1,200,000, secured by a first-lien mortgage<\/strong><strong><sup>1<\/sup><\/strong> on the property to purchase the land, with a term of 6 months (plus a possible 3-month extension). <strong>The loan will have a fixed interest rate of 10%.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cooperative members have contributed <strong>\u20ac1,944,237.89<\/strong> of their own funds toward the purchase of the lot. <strong>The total contribution from the cooperative members represents 61.83%<\/strong> of the total funds needed to purchase the land. From a zoning perspective, the land is zoned for urban development, and the building permit was granted on March 12, 2026. From <strong>a commercial standpoint<\/strong>, <strong>44 of the 48 <\/strong>membership <strong>contracts <\/strong>for the cooperative have been awarded <strong>(91.67%).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Repayment of the <\/strong>loan to<strong> wecity<\/strong> investors<strong> is expected to occur upon receipt of bank financing.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">AInvest does not apply in this case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Project<\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-1 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" data-id=\"27553\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey_p-1024x606.png\" alt=\"\" class=\"wp-image-27553\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey_p-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey_p-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey_p-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey_p-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey_p.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" data-id=\"27558\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey-1024x606.png\" alt=\"\" class=\"wp-image-27558\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Madrid-Arganda-del-Rey.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/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=!1m18!1m12!1m3!1d4061.24132963479!2d-3.4523518877129487!3d40.29886136268471!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd423f08076df227%3A0xa783b90bc159c230!2sAv.%20de%20Europa%2C%202%2C%2028500%20Arganda%20del%20Rey%2C%20Madrid!5e1!3m2!1ses!2ses!4v1785401843926!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\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>first-lien<\/sup> mortgage on the property, located in <strong>Arganda del Rey, Madrid ( <\/strong>Av. de Europa, 2)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by<strong> Gesvalt<\/strong>, the current appraised value is <strong>\u20ac1,624,485.01.<\/strong> The loan to be made to the developer in this first tranche is \u20ac1,200,000, representing a Loan-to-Value (LTV) ratio of <strong>73.86%.<\/strong><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral Agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The creation, maintenance, management, administration, and, where applicable, enforcement of the security interest on behalf of <strong>wecity<\/strong> investors will be handled by an entity external to <strong>wecity<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, the designated Collateral Agent will be the one specified 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 class=\"wp-block-paragraph\"><strong>wecity<\/strong>, as a provider of participatory financing services and in compliance with Delegated Regulation (EU) 2024\/358, which supplements 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> used to calculate project ratings. If the calculation is based on unaudited financial statements, this will be clearly stated in the method description.<\/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 <strong>wecity<\/strong>.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":27554,"template":"","class_list":["post-27685","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/27685","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\/27554"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=27685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}