{"id":25972,"date":"2026-05-20T10:37:19","date_gmt":"2026-05-20T08:37:19","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/marbella-el-rosario\/"},"modified":"2026-05-25T10:47:31","modified_gmt":"2026-05-25T08:47:31","slug":"marbella-el-rosario","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/marbella-el-rosario\/","title":{"rendered":"Marbella El Rosario"},"content":{"rendered":"\n<p><strong>O wecity<\/strong> 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 ao 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\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\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\n\n<h2 class=\"wp-block-heading\">O investimento<\/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>Objetivo do empr\u00e9stimo:<\/strong> Aquisi\u00e7\u00e3o.<\/li>\n\n\n\n<li><strong>Seguran\u00e7a:<\/strong> hipoteca de<sup>1\u00ba <\/sup>grau.<\/li>\n\n\n\n<li><strong>Prazo:<\/strong> 12 meses (+6 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> 11 % p.a.<\/li>\n\n\n\n<li><strong>Rendimento total estimado:<\/strong> 11%<\/li>\n\n\n\n<li><strong>Pagamentos de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual (ECO):<\/strong> 1.614.024,30 \u20ac<strong> LTV: <\/strong>52,66%<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET (ECO):<\/strong> 2.847.541 \u20ac <strong> LTV:<\/strong> 47,40%<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\">A<\/a><\/li>\n\n\n\n<li><strong>Contribui:<\/strong><ul><li><strong>Contribui\u00e7\u00e3o do promotor:<\/strong> 757.503 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo wecity:<\/strong> 850.000 \u20ac<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investimento m\u00ednimo:<\/strong> 500 \u20ac<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>O promotor <strong>Exxo Europa SL<\/strong><strong>, solicita<\/strong><strong>um financiamento atrav\u00e9s da wecity<\/strong> para a aquisi\u00e7\u00e3o e posterior constru\u00e7\u00e3o de uma casa de luxo na Calle Algarrobos los, 487, El Rosario, M\u00e1laga.<\/p>\n\n\n\n<p>A \u00e1rea \u00fatil \u00e9 de 1.300<sup>m2<\/sup>, e a \u00e1rea edific\u00e1vel \u00e9 de 344,83<sup>m2.<\/sup> A casa ter\u00e1 5 quartos e 5 casas de banho, gin\u00e1sio, piscina e dois alpendres. O promotor processou a <strong>licen\u00e7a de constru\u00e7\u00e3o<\/strong> atrav\u00e9s de um termo de responsabilidade. A obra est\u00e1 <strong>54,71%<\/strong> conclu\u00edda. O promotor come\u00e7ar\u00e1 a comercializar o im\u00f3vel quando a obra estiver mais avan\u00e7ada.    <\/p>\n\n\n\n<p>O montante total do empr\u00e9stimo ascende a <strong>1.350.000 \u20ac em 2 fases que ter\u00e3o uma garantia hipotec\u00e1ria de primeiro grau<\/strong>.<strong> <\/strong>Nesta oportunidade, vamos financiar <strong>a Fase I do empr\u00e9stimo por um montante de 850.000 \u20ac<\/strong>, que ter\u00e1 uma taxa de juro anual de <strong>11% e um prazo ordin\u00e1rio de 12 meses + 6 de poss\u00edvel prorroga\u00e7\u00e3o <\/strong>que se destinar\u00e1 \u00e0 aquisi\u00e7\u00e3o.<\/p>\n\n\n\n<p>At\u00e9 \u00e0 data, o promotor disponibilizou fundos pr\u00f3prios no valor de <strong>757 503,00 \u20ac <\/strong>, dos quais <strong>468 057,80 \u20ac<\/strong> para parte da aquisi\u00e7\u00e3o e <strong>288 986,20 \u20ac<\/strong> para o in\u00edcio dos trabalhos de constru\u00e7\u00e3o.  <\/p>\n\n\n\n<p>O <strong>reembolso do empr\u00e9stimo<\/strong> aos investidores <strong>da wecity<\/strong> est\u00e1 previsto com a venda da propriedade.<\/p>\n\n\n\n<p>Os pagamentos de juros e o reembolso do capital investido ser\u00e3o efectuados<strong> na data de vencimento<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p>AInvest n\u00e3o se aplica neste momento.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O projeto<\/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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1024x606.png\" alt=\"\" class=\"wp-image-25856\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario.png 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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-1024x606.png\" alt=\"\" class=\"wp-image-25861\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-1.png 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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-1024x606.png\" alt=\"\" class=\"wp-image-25866\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-2.png 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\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-1024x606.png\" alt=\"\" class=\"wp-image-25871\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/05\/wecity_imag_inversion_Marbella-El-Rosario-3.png 1716w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Localiza\u00e7\u00e3o e ambiente<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d801.6595668950406!2d-4.803423535346604!3d36.51459311204011!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd72df564bd3c24d%3A0xe9f3dd2ff96fea1c!2sC.%20Algarrobos%20los%2C%20487%2C%2029604%20El%20Rosario%2C%20M%C3%A1laga!5e0!3m2!1ses!2ses!4v1779266766886!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\n\n\n\n<p>A zona de Los Algarrobos, em <strong>Marbella<\/strong>, \u00e9 um local residencial muito procurado devido \u00e0 sua tranquilidade, privacidade e proximidade de alguns dos melhores servi\u00e7os da <strong>Costa del Sol.<\/strong> Destaca-se pelo seu ambiente bem cuidado, casas de alto padr\u00e3o e boa liga\u00e7\u00e3o ao centro de Marbella e Puerto Ban\u00fas, o que a torna uma excelente op\u00e7\u00e3o tanto para resid\u00eancia permanente como para investimento. <\/p>\n\n\n\n<p>As atrac\u00e7\u00f5es nas proximidades incluem Puerto Ban\u00fas, Real Club de Golf Las Brisas, Aloha Golf Club e as praias de Nueva Andaluc\u00eda e Marbella.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Garantia hipotec\u00e1ria<\/h2>\n\n\n\n<p>O empr\u00e9stimo ser\u00e1 garantido por uma hipoteca de<sup>1\u00ba<\/sup> grau sobre o ativo, situado em C. Algarrobos los, 487, <strong>M\u00e1laga<\/strong>.<\/p>\n\n\n\n<p>De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o realizado pela <strong>uve valoraciones,<\/strong> a Avalia\u00e7\u00e3o Efectiva (ECO) ascende a \u20ac1.614.024,30 e a Avalia\u00e7\u00e3o Hipot\u00e9tica de Edif\u00edcio Conclu\u00eddo (HET) a \u20ac2.847.541. O empr\u00e9stimo a conceder ao promotor \u00e9 de \u20ac850.000, o que significa um Loan to Value (LTV) de 52,66% e um Loan to Value (LTV) HET de 47,40%. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Agente de garantia<\/h2>\n\n\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 <strong>.<\/strong><\/p>\n\n\n\n<p>Neste caso, o agente de garantia nomeado ser\u00e1 o indicado no contrato de empr\u00e9stimo.  <\/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\">Classifica\u00e7\u00e3o<\/h2>\n\n\n\n<p><strong>A wecity<\/strong>, 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<\/a><br> dos projectos utilizados para calcular as nota\u00e7\u00f5es. Se o c\u00e1lculo se basear em contas que n\u00e3o tenham sido objeto de auditoria, este facto deve ser claramente indicado na descri\u00e7\u00e3o do m\u00e9todo. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Monitoriza\u00e7\u00e3o<\/h2>\n\n\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 <strong>wecity<\/strong>.   <\/p>\n","protected":false},"featured_media":25854,"template":"","class_list":["post-25972","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/25972","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\/25854"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=25972"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}