{"id":27744,"date":"2026-08-27T09:42:08","date_gmt":"2026-08-27T07:42:08","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/cantabria-castaneda\/"},"modified":"2026-08-28T13:42:58","modified_gmt":"2026-08-28T11:42:58","slug":"cantabria-castaneda","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/cantabria-castaneda\/","title":{"rendered":"Cant\u00e1bria, Casta\u00f1eda"},"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>Skin in the game<\/strong>: <em>\u00abEm 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 financiamento participativo, informamos que, nesta ocasi\u00e3o <a href=\"https:\/\/www.wecity.com\/pt-pt\/equipo\/\" target=\"_blank\" rel=\"noreferrer noopener\">, os s\u00f3cios, diretores 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>: Residencial.<\/li>\n\n\n\n<li><strong>Finalidade 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>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> 11% ao ano.<\/li>\n\n\n\n<li><strong>Rentabilidade total estimada:<\/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 ECO atual: 5 <\/strong>486 271,07 \u20ac <strong>| LTV atual: 15 <\/strong>,03%<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\">AA<\/a><\/li>\n\n\n\n<li><strong>Contribui\u00e7\u00f5es:<\/strong><ul><li><strong>Promotor:<\/strong> 591 718,33 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo da Wecity:<\/strong> 825 000,00 \u20ac<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investimento m\u00ednimo:<\/strong> 500 euros<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A promotora Cooper Rental S.L., uma empresa gerida pela <strong>Cooperhousing Gestora, pede <\/strong>financiamento atrav\u00e9s da <strong>wecity<\/strong> para a aquisi\u00e7\u00e3o de v\u00e1rios lotes e de um edif\u00edcio localizado na Rua Villaba\u00f1ez, n.\u00ba 78, em Casta\u00f1eda (Cant\u00e1bria).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O terreno tem uma \u00e1rea de 9 570 m\u00b2 e uma \u00e1rea de constru\u00e7\u00e3o de 7 920,75 m\u00b2, onde vai ser constru\u00eddo um empreendimento de seis edif\u00edcios (80 habita\u00e7\u00f5es). Desta vez, vai ser financiada a primeira fase, com 26 habita\u00e7\u00f5es, que vai incluir lugares de estacionamento e arrecada\u00e7\u00f5es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do ponto de vista urban\u00edstico, o terreno j\u00e1 tem a licen\u00e7a de obras concedida. Estima-se que as obras estejam cerca de 44 % conclu\u00eddas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A n\u00edvel comercial, o promotor acabou de iniciar a comercializa\u00e7\u00e3o a 0% (0 de 26 unidades vendidas).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O montante total do empr\u00e9stimo ascende a <strong>825 000 \u20ac<\/strong>, e vai ter <strong>uma hipoteca de 1.\u00ba grau<\/strong><strong><sup>1 <\/sup><\/strong>sobre o ativo e ter\u00e1 uma dura\u00e7\u00e3o de 12 meses (+3 de eventual prorroga\u00e7\u00e3o).<strong> <\/strong>O empr\u00e9stimo ser\u00e1 inteiramente destinado \u00e0 aquisi\u00e7\u00e3o do ativo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O promotor vai contribuir com <strong>fundos pr\u00f3prios<\/strong> no valor de<strong> 591 718,33 \u20ac<\/strong><strong> <\/strong>no momento da assinatura, que ser\u00e3o<strong> <\/strong>destinados \u00e0 aquisi\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A sa\u00edda dos investidores da <strong>wecity<\/strong> est\u00e1 prevista com a entrada do financiamento banc\u00e1rio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nesta ocasi\u00e3o, o AInvest n\u00e3o se aplica.<\/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=\"27695\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda_p-1024x606.png\" alt=\"\" class=\"wp-image-27695\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda_p-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda_p-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda_p-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda_p-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda_p-2048x1213.png 2048w\" 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=\"27706\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-2-1024x606.png\" alt=\"\" class=\"wp-image-27706\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-2-2048x1213.png 2048w\" 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=\"27711\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-3-1024x606.png\" alt=\"\" class=\"wp-image-27711\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-3-2048x1213.png 2048w\" 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=\"27716\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-4-1024x606.png\" alt=\"\" class=\"wp-image-27716\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-4-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-4-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-4-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-4-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/08\/wecity_imag_inversion_Cantabria-Castaneda-4-2048x1213.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Localiza\u00e7\u00e3o e arredores<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m17!1m12!1m3!1d2751.5958804740644!2d-3.956577!3d43.318813!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m2!1m1!2zNDPCsDE5JzA3LjciTiAzwrA1NycyMy43Ilc!5e1!3m2!1ses!2ses!4v1787817686971!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 ter\u00e1 como garantia uma hipoteca de 1.<sup>\u00ba<\/sup> grau sobre o im\u00f3vel, situado na Rua Villaba\u00f1ez, n.\u00ba 78, em Casta\u00f1eda (<strong>Cant\u00e1bria<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela <strong>Tecnitasa<\/strong>, o valor atual da avalia\u00e7\u00e3o ascende a <strong>5 486 271,07 \u20ac.<\/strong> O promotor imobili\u00e1rio vai contribuir com fundos pr\u00f3prios no valor de <strong>591 718,33 \u20ac<\/strong>, que ser\u00e3o destinados \u00e0 aquisi\u00e7\u00e3o. O empr\u00e9stimo a conceder \u00e0 promotora atrav\u00e9s da <strong>wecity<\/strong> \u00e9 de <strong>825 000,00 \u20ac<\/strong>, dos quais <strong>612 463,67 \u20ac<\/strong> ser\u00e3o destinados \u00e0 aquisi\u00e7\u00e3o, <strong>183 836,64 \u20ac<\/strong> para despesas t\u00e9cnicas e os restantes <strong>28 699,69 \u20ac<\/strong> para a estrutura\u00e7\u00e3o do empr\u00e9stimo e a comiss\u00e3o da <strong>wecity<\/strong>. Isto representa um <strong>Loan to Value (LTV) atual de 15,03%<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Agente de garantias<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A constitui\u00e7\u00e3o, manuten\u00e7\u00e3o, gest\u00e3o, administra\u00e7\u00e3o e, se for o caso, execu\u00e7\u00e3o do direito real de penhor em nome dos investidores da <strong>wecity<\/strong> ficar\u00e3o a cargo de uma entidade externa \u00e0 <strong>wecity<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neste caso, o Agente de Garantias designado ser\u00e1 aquele 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>, na qualidade de prestadora de servi\u00e7os de financiamento participativo e em conformidade com o Regulamento Delegado (UE) 2024\/358, que completa o Regulamento (UE) n.\u00ba 2020\/1503 do Parlamento Europeu e do Conselho, disponibiliza 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 classifica\u00e7\u00e3o de cr\u00e9dito<\/a><br> dos projetos utilizado para calcular as nota\u00e7\u00f5es. Se o c\u00e1lculo se basear em contas n\u00e3o auditadas, isso ser\u00e1 claramente indicado na descri\u00e7\u00e3o do m\u00e9todo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Acompanhamento<\/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":27699,"template":"","class_list":["post-27744","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/27744","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\/27699"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=27744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}