{"id":27645,"date":"2026-07-30T10:44:03","date_gmt":"2026-07-30T08:44:03","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/alicante-laguna-salada\/"},"modified":"2026-08-10T11:00:19","modified_gmt":"2026-08-10T09:00:19","slug":"alicante-laguna-salada","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/alicante-laguna-salada\/","title":{"rendered":"Alicante, Laguna Salada"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><strong>Tens a pele no jogo<\/strong>:  <em>\u00abEm conformidade com o artigo 8.\u00ba, n.\u00ba 2, do Regulamento (UE) n.\u00ba 2020\/1503 do Parlamento Europeu e do Conselho, de 7 de outubro de 2020, relativo aos prestadores europeus de financiamento participativo, informamos que, nesta ocasi\u00e3o <a href=\"https:\/\/www.wecity.com\/pt-pt\/equipo\/\" target=\"_blank\" rel=\"noreferrer noopener\">, os s\u00f3cios, dirigentes e funcion\u00e1rios da <strong>wecity<\/strong><\/a> poder\u00e3o investir. Estes investimentos ser\u00e3o feitos nas mesmas condi\u00e7\u00f5es que os dos restantes investidores, sem receberem tratamento preferencial nem acesso privilegiado \u00e0 informa\u00e7\u00e3o\u00bb <\/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>Tipo<\/strong>: Empr\u00e9stimo hipotec\u00e1rio a taxa fixa.<\/li>\n\n\n\n<li><strong>Finalidade do empr\u00e9stimo:<\/strong> Compra e obras.<\/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> 9 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% ao ano.<\/li>\n\n\n\n<li><strong>Rentabilidade total estimada:<\/strong> 7,5%<\/li>\n\n\n\n<li><strong>Pagamentos de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual<sup>ECO<\/sup>: <\/strong>1 343 483,74 \u20ac<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o ECO<sup>HET<\/sup>: <\/strong>2 584 518,44 \u20ac<strong> | LTV HET: <\/strong>54 ,17 %<\/li>\n\n\n\n<li><strong>1.\u00aa Disposi\u00e7\u00e3o: <\/strong>905 405,30 \u20ac<strong> <\/strong>| LTV 1.\u00aa Disp<strong>.: <\/strong>67<strong> <\/strong>,39 %<\/li>\n\n\n\n<li><strong>Classifica\u00e7\u00e3o<\/strong>:  <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\">AA<\/a><\/li>\n\n\n\n<li><strong>Contribui:<\/strong><ul><li><strong>Promotor:<\/strong> 789 425,00 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo wecity<\/strong> <strong>Fase I:<\/strong> 1 400 000,00 \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 class=\"wp-block-paragraph\">A promotora <strong>Proyectos Alba Salina SL pede <\/strong>financiamento atrav\u00e9s da wecity para cobrir a compra e parte dos custos de constru\u00e7\u00e3o de um empreendimento de 6 habita\u00e7\u00f5es em La Herrada, Alicante.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O terreno tem uma \u00e1rea de 1 806<sup>m\u00b2<\/sup>, onde est\u00e1 a ser desenvolvido um projeto com 649,50<sup>m\u00b2<\/sup> de \u00e1rea constru\u00edda. O projeto tem licen\u00e7a de constru\u00e7\u00e3o v\u00e1lida e est\u00e1, neste momento, 48,46 % conclu\u00eddo. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As casas t\u00eam 3 quartos, 2 casas de banho, garagem e piscina. No que diz respeito \u00e0s vendas, j\u00e1 foram vendidas 6 das 6 unidades (100%). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O projeto vai ser financiado atrav\u00e9s de um <strong>empr\u00e9stimo hipotec\u00e1rio<\/strong> no valor de<strong> 1 400 000 \u20ac, a taxa fixa, que vai ter uma garantia hipotec\u00e1ria de primeiro grau<sup> <\/sup><\/strong>e ter\u00e1 uma <strong>dura\u00e7\u00e3o de 9 meses<\/strong> (+3 de poss\u00edvel prorroga\u00e7\u00e3o).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O incorporador, juntamente com os compradores, contribu\u00edram com recursos pr\u00f3prios at\u00e9 o momento.<strong> <\/strong><strong>pelo<\/strong> valor <strong>de \u20ac<\/strong> <strong>789.425<\/strong> , <strong>referente a<\/strong> parte da aquisi\u00e7\u00e3o do terreno, in\u00edcio da constru\u00e7\u00e3o e despesas associadas ao projeto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A sa\u00edda dos investidores da wecity est\u00e1 prevista para quando as 6 unidades residenciais forem entregues.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O projeto<\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-2 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=\"27521\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada_p-1-1024x606.png\" alt=\"\" class=\"wp-image-27521\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada_p-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada_p-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada_p-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada_p-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada_p-1.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=\"27526\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1-1024x606.png\" alt=\"\" class=\"wp-image-27526\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1.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=\"27531\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-2-1024x606.png\" alt=\"\" class=\"wp-image-27531\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-2.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=\"27536\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-3-1024x606.png\" alt=\"\" class=\"wp-image-27536\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-3.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=\"27541\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1024x606.png\" alt=\"\" class=\"wp-image-27541\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Alicante-Laguna-Salada.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/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!1d8387.475373074609!2d-0.7428080900744987!3d38.041617862724344!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd63a8bd3055fdad%3A0xac4b396a6985d67e!2sC.%20Romero%2C%2042%2C%2003187%20Los%20Montesinos%2C%20Alicante!5e1!3m2!1ses!2ses!4v1785401323872!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\">Garantia hipotec\u00e1ria<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O empr\u00e9stimo ser\u00e1 garantido por uma hipoteca de<sup>primeiro<\/sup> grau sobre o ativo, situado na Rua Romero, 42-82 (<strong>Alicante<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela <strong>Valmesa<\/strong>, o valor atual da avalia\u00e7\u00e3o ascende a <strong>1 343 483,74 \u20ac<\/strong> e o valor da avalia\u00e7\u00e3o na hip\u00f3tese de edif\u00edcio conclu\u00eddo (HET) a <strong>2 584 518,44 \u20ac.<\/strong> O empr\u00e9stimo a conceder \u00e0 promotora \u00e9 de <strong>1 400 000,00 \u20ac<\/strong>, dos quais <strong>1 244 594,70 \u20ac<\/strong> ser\u00e3o destinados \u00e0 compra e execu\u00e7\u00e3o da obra, e o montante restante \u00e0 estrutura\u00e7\u00e3o do empr\u00e9stimo e \u00e0 comiss\u00e3o da Wecity. Isto corresponde a um Loan to Value (LTV) HET de <strong>54,17 %<\/strong> e a um LTV na primeira disponibiliza\u00e7\u00e3o de <strong>67,35 %.<\/strong>  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Agente de garantia<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 <strong>da wecity<\/strong> ser\u00e3o efectuadas por uma entidade externa <strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neste caso, o agente de garantia nomeado ser\u00e1 o indicado no contrato de empr\u00e9stimo.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Classifica\u00e7\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\">O promotor tem de justificar a utiliza\u00e7\u00e3o dos fundos em cada uma das verbas que solicitar. A utiliza\u00e7\u00e3o dos fundos pelo promotor ser\u00e1 acompanhada por uma empresa externa \u00e0 <strong>wecity<\/strong>.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":27520,"template":"","class_list":["post-27645","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/27645","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\/27520"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=27645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}