{"id":18737,"date":"2025-04-01T16:14:24","date_gmt":"2025-04-01T14:14:24","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-lago-santa-rosalia\/"},"modified":"2025-04-04T12:13:29","modified_gmt":"2025-04-04T10:13:29","slug":"murcia-lago-santa-rosalia","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/murcia-lago-santa-rosalia\/","title":{"rendered":"M\u00farcia &#8211; Santa Rosalia Lake"},"content":{"rendered":"\n<p>A WECITY cumpre as disposi\u00e7\u00f5es do Regulamento (UE) 2020\/1503 do Parlamento Europeu e do Conselho, de 7 de outubro de 2020, relativo aos prestadores europeus de servi\u00e7os de financiamento das empresas atrav\u00e9s de capitais pr\u00f3prios, e do T\u00edtulo V da Lei 5\/2015, relativa \u00e0 promo\u00e7\u00e3o do financiamento das empresas, alterada pela Lei 18\/2022, de 28 de setembro, relativa \u00e0 cria\u00e7\u00e3o e crescimento de empresas. Est\u00e1 autorizado pela <strong>CNMV<\/strong> como Prestador de Servi\u00e7os de Financiamento Participativo, registado sob o n\u00famero 9, com uma proposta favor\u00e1vel do <strong>Banco de Espanha<\/strong>. <\/p>\n\n<p>Investidor, antes de fazeres o teu investimento, l\u00ea as <a href=\"https:\/\/www.wecity.com\/pt-pt\/informacao-investidor\/\" target=\"_blank\" rel=\"noreferrer noopener\">informa\u00e7\u00f5es b\u00e1sicas para o cliente investidor<\/a>, bem como o <a href=\"https:\/\/www.wecity.com\/pt-pt\/informacao-investidor\/#periodo_reflexi%C3%B3n\">per\u00edodo de reflex\u00e3o pr\u00e9-contratual para investidores inexperientes.<\/a><\/p>\n\n<p><strong>Tens a pele no jogo<\/strong>:  <em>&#8220;Em conformidade com o artigo 8.\u00ba, n.\u00ba 2, do Regulamento (UE) 2020\/1503 do Parlamento Europeu e do Conselho, de 7 de outubro de 2020, relativo aos prestadores europeus de servi\u00e7os de financiamento em capital pr\u00f3prio, informamos que <a href=\"https:\/\/www.wecity.com\/pt-pt\/equipo\/\" target=\"_blank\" rel=\"noreferrer noopener\">os parceiros, gestores e funcion\u00e1rios da wecity<\/a> podem investir nesta oportunidade. Estes investimentos ser\u00e3o efectuados nos mesmos termos e condi\u00e7\u00f5es que os outros investidores, sem tratamento preferencial ou acesso privilegiado \u00e0 informa\u00e7\u00e3o&#8221;. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\">O investimento<\/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<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Objetivo do empr\u00e9stimo:<\/strong> Financiar os custos de aquisi\u00e7\u00e3o e de constru\u00e7\u00e3o.<\/li>\n\n\n\n<li><strong>Tipo: <\/strong>Empr\u00e9stimo a taxa fixa.<\/li>\n\n\n\n<li><strong>Garantia:<\/strong> garantia hipotec\u00e1ria de 1\u00ba grau.<\/li>\n\n\n\n<li><strong>Dura\u00e7\u00e3o:<\/strong> 12 meses (+3 meses de prorroga\u00e7\u00e3o poss\u00edvel).<\/li>\n\n\n\n<li><strong>Obrigat\u00f3rio: <\/strong>6 meses.<\/li>\n\n\n\n<li><strong>Taxa de juro:<\/strong> 10,50% ao ano.<\/li>\n\n\n\n<li><strong>Pagamentos de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual <strong>(ECO)<\/strong>:<\/strong> 2.598.514,63 \u20ac 2.598.514,63 \u20ac 2.598.514,63 \u20ac 2.598.514,63 \u20ac <strong>| Empr\u00e9stimo atual LTV: <\/strong>76,97% <strong>| LTV<\/strong> <strong>1\u00ba levantamento<\/strong>: 46,46% \u20ac 2.598.514,63<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET <strong>(ECO)<\/strong>:<\/strong> 9.098.728,51 \u20ac <strong>| LTV HET: <\/strong>31,13%.<\/li>\n\n\n\n<li><strong>Classifica\u00e7\u00e3o<\/strong>: <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\" target=\"_blank\" rel=\"noreferrer noopener\">AA<\/a><\/li>\n\n\n\n<li><strong>Contribui:<\/strong><ul><li><strong>Promotor:<\/strong> 1.581.865,01 euros<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo Wecity<\/strong>: 2.000.000,00 \u20ac.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investimento m\u00ednimo:<\/strong> 500 euros<\/li>\n\n\n\n<li><strong>Investimento m\u00e1ximo:<\/strong> 500 euros<\/li>\n<\/ul>\n<\/div><\/div>\n\n<p>O promotor <strong>Orbesol Grupo Inmobiliario SL<\/strong> solicita um financiamento atrav\u00e9s do wecity para financiar os custos de aquisi\u00e7\u00e3o e constru\u00e7\u00e3o de um terreno onde vai desenvolver um empreendimento de 28 habita\u00e7\u00f5es, em 4 blocos de 7 habita\u00e7\u00f5es cada, situado na urbaniza\u00e7\u00e3o <strong>do Lago de Santa Rosal\u00eda, em M\u00farcia<\/strong>.<\/p>\n\n<p>Os activos s\u00e3o <strong>3.881 milh\u00f5es<\/strong><strong><sup>2<\/sup><\/strong> onde se desenvolver\u00e1 o empreendimento, que ter\u00e1 jardim, piscina, terra\u00e7o, garagem e arrecada\u00e7\u00f5es.<\/p>\n\n<p>O promotor tem uma<strong> licen\u00e7a de constru\u00e7\u00e3o concedida em 11 de setembro de 2024<\/strong>.<\/p>\n\n<p>O projeto ser\u00e1 financiado atrav\u00e9s de um empr\u00e9stimo hipotec\u00e1rio <strong>a taxa fixa de 3.500.000 euros<\/strong>, <strong>que ser\u00e1 garantido por uma garantia hipotec\u00e1ria de primeiro grau.<\/strong> Para esta primeira fase, o Banco financiar\u00e1<strong> 2.000.000 euros<\/strong> para a aquisi\u00e7\u00e3o do terreno e parte dos custos de constru\u00e7\u00e3o, com uma dura\u00e7\u00e3o de 12 meses e 3 meses de prorroga\u00e7\u00e3o poss\u00edvel.<\/p>\n\n<p>A contribui\u00e7\u00e3o total <strong>do promotor ascender\u00e1 a 1 581 865,01 euros<\/strong>, destinados \u00e0 aquisi\u00e7\u00e3o do ativo e ao avan\u00e7o dos trabalhos. O projeto est\u00e1 <strong>atualmente 7,68%<\/strong> conclu\u00eddo. <\/p>\n\n<p>O <strong>reembolso do empr\u00e9stimo <\/strong>aos investidores da<strong> <\/strong>wecity est\u00e1 previsto com a venda do empreendimento.<\/p>\n\n<h2 class=\"wp-block-heading\">O projeto<\/h2>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-scaled.jpg\" alt=\"\" class=\"wp-image-18668\" style=\"width:808px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-scaled.jpg\" alt=\"\" class=\"wp-image-18672\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-scaled.jpg\" alt=\"\" class=\"wp-image-18676\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-3-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1516\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-scaled.jpg\" alt=\"\" class=\"wp-image-18680\" style=\"width:809px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-scaled.jpg 2560w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2025\/04\/wecity_imag_inversion_Murcia-Santa-Rosalia-Lake-2048x1213.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Localiza\u00e7\u00e3o e ambiente<\/h2>\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d4153.406858252955!2d-0.8947791088581819!3d37.74055756667289!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd63134745e67d77%3A0x68e916cbb719c41f!2s30710%20Torre-Pacheco%2C%20Murcia!5e1!3m2!1ses!2ses!4v1743517458339!5m2!1ses!2ses\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n<p><strong>Torre Pacheco, M\u00farcia.<\/strong>  Avenida M\u00e9dico Tom\u00e1s Fern\u00e1ndez 1.<\/p>\n\n<p>O empreendimento tem uma excelente localiza\u00e7\u00e3o na nova urbaniza\u00e7\u00e3o do <strong>Lago de Santa Rosal\u00eda<\/strong>, uma das melhores zonas residenciais de M\u00farcia, rodeada de m\u00faltiplos servi\u00e7os e com liga\u00e7\u00f5es imbat\u00edveis.  <\/p>\n\n<p>Apenas a <strong>7 minutos<\/strong> de carro de <strong>Los Alc\u00e1zares<\/strong>, uma cidade pitoresca nas margens do <strong>Mar Menor<\/strong>, conhecida pelos seus quil\u00f3metros de praias de areia dourada e \u00e1guas pouco profundas, ideais para fam\u00edlias e entusiastas de desportos aqu\u00e1ticos.<\/p>\n\n<h2 class=\"wp-block-heading\">Garantias hipotec\u00e1rias e avalia\u00e7\u00e3o<\/h2>\n\n<p>O empr\u00e9stimo ser\u00e1 garantido por uma hipoteca de<sup>primeiro<\/sup> grau sobre o ativo situado na Avenida M\u00e9dico Tom\u00e1s Fern\u00e1ndez 1, Torre Pacheco (M\u00farcia).<\/p>\n\n<p>De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o realizado pela <strong>TASACIONES HIPOTECARIAS S.A.U.<\/strong>, a avalia\u00e7\u00e3o atual ascende a \u20ac2.598.514,63 e a avalia\u00e7\u00e3o em Edif\u00edcio Hipot\u00e9tico Conclu\u00eddo (HET) ascende a \u20ac9.098.728,51. O empr\u00e9stimo a conceder ao promotor nesta primeira fase \u00e9 de <span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, \" segoe=\"\" ui=\"\" roboto=\"\" oxygen-sans=\"\" ubuntu=\"\" cantarell=\"\" neue=\"\" sans-serif=\"\">\u20ac2.000.000,00<\/span>, o que significa um Loan to Value (LTV) sobre a avalia\u00e7\u00e3o atual de 76,97%. O empr\u00e9stimo total \u00e9 de \u20ac3.500.000,00, o que significa um Loan to Value (LTV) HET de 38,47%.  <\/p>\n\n<h2 class=\"wp-block-heading\">Agente de garantia<\/h2>\n\n<p>A cria\u00e7\u00e3o, a manuten\u00e7\u00e3o, a gest\u00e3o, a administra\u00e7\u00e3o e, se for caso disso, a execu\u00e7\u00e3o do penhor em nome dos investidores da wecity ser\u00e3o efectuadas por uma entidade externa.<\/p>\n\n<p>Neste caso, o Agente de Garantia nomeado ser\u00e1 o indicado na Ficha de Informa\u00e7\u00f5es Fundamentais sobre o Investimento.<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Classifica\u00e7\u00e3o<\/h2>\n\n<p>A wecity, enquanto prestadora de servi\u00e7os de financiamento colaborativo e em conformidade com o Regulamento Delegado (UE) 2024\/358 que complementa o Regulamento (UE) 2020\/1503 do Parlamento Europeu e do Conselho, fornece uma <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\" target=\"_blank\" rel=\"noreferrer noopener\">descri\u00e7\u00e3o do m\u00e9todo de nota\u00e7\u00e3o de cr\u00e9dito do projeto<\/a> utilizado para calcular as nota\u00e7\u00f5es. Se o c\u00e1lculo se basear em contas n\u00e3o auditadas, tal deve ser claramente indicado na descri\u00e7\u00e3o do m\u00e9todo. <\/p>\n\n<h2 class=\"wp-block-heading\">Monitoriza\u00e7\u00e3o<\/h2>\n\n<p>O promotor ter\u00e1 de justificar a utiliza\u00e7\u00e3o dos fundos em cada uma das candidaturas. A utiliza\u00e7\u00e3o dos fundos pelo promotor ser\u00e1 monitorizada por uma empresa externa \u00e0 wecity.   <\/p>\n\n<p><\/p>\n","protected":false},"featured_media":18691,"template":"","class_list":["post-18737","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/18737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades"}],"about":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/types\/oportunidades"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media\/18691"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=18737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}