{"id":27792,"date":"2026-09-07T12:32:48","date_gmt":"2026-09-07T10:32:48","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/barcelona-palleja-ii\/"},"modified":"2026-09-08T16:55:11","modified_gmt":"2026-09-08T14:55:11","slug":"barcelona-palleja-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/barcelona-palleja-ii\/","title":{"rendered":"Barcelona Pallej\u00e1 II"},"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\"><em>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 fornecedores europeus de financiamento em capital pr\u00f3prio, anuncia-se 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> Trabalho.<\/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> 15 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>Rentabilidade total estimada:<\/strong> 13,75 %<\/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> 2 091 808,94 \u20ac  <\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET: <\/strong>3<strong> <\/strong>589 254,11 \u20ac<strong> | LTV HET (fases I e II): <\/strong>41<strong> <\/strong>,23%<\/li>\n\n\n\n<li><strong>1.\u00ba levantamento:<\/strong> 992 531,70 \u20ac <strong>| LTV do 1.\u00ba levantamento (fase II): <\/strong>47<strong> <\/strong>,45%<\/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\u00e7\u00f5es:<\/strong><ul><li><strong>Promotor:<\/strong> 1 231 920,00 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo da wecity:<\/strong> 740 000,00 \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>MAGAR HOME PROMOCIONES SL<\/strong> pede um financiamento atrav\u00e9s da <strong>wecity para <\/strong>cobrir os custos de obra e concluir a constru\u00e7\u00e3o de um empreendimento com 9 habita\u00e7\u00f5es, 6 garagens e 9 arrecada\u00e7\u00f5es na rua Carrer Mare de D\u00e9u de Loreto, n.\u00ba 47, em Pallej\u00e1 <strong>(Barcelona).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O terreno tem uma \u00e1rea de 294<sup>m\u00b2<\/sup> e a \u00e1rea constru\u00edda \u00e9 de 1 292<sup>m<\/sup>\u00b2. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A n\u00edvel urban\u00edstico, a <strong>licen\u00e7a de constru\u00e7\u00e3o<\/strong><strong> <\/strong>foi <strong>concedida<\/strong> em outubro de 2025<strong> <\/strong>e a obra apresenta um avan\u00e7o de <strong>60,30% (de acordo com a avalia\u00e7\u00e3o da ECO de 02\/09\/2026)<\/strong>. A <strong>n\u00edvel comercial, o <\/strong>promotor tem 3 reservas de 9 habita\u00e7\u00f5es <strong>(33%)<\/strong>,<strong> <\/strong>, tendo-se registado 2 vendas adicionais em rela\u00e7\u00e3o \u00e0 primeira fase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O projeto est\u00e1 a ser financiado atrav\u00e9s de um <strong>empr\u00e9stimo hipotec\u00e1rio no valor de<\/strong> <strong>1 480 000 \u20ac em duas fases<\/strong>, a<strong> uma taxa fixa de<\/strong> <strong>11%, que <\/strong>ter\u00e1 <strong>uma garantia hipotec\u00e1ria de 1<\/strong>. <strong><sup>\u00ba<\/sup> grau sobre o ativo<\/strong> e<strong> <\/strong>, um <strong>prazo normal de 18 meses<\/strong> + 6 de poss\u00edvel prorroga\u00e7\u00e3o. Desta vez, vai ser financiada a <strong>Fase II do empr\u00e9stimo, no valor de 740 000 \u20ac<\/strong>, que vai servir para cobrir os custos das obras e ter\u00e1 um <strong>prazo normal de 15 meses + 6 de prorroga\u00e7\u00e3o poss\u00edvel<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O <strong>promotor j\u00e1 investiu fundos pr\u00f3prios no <\/strong>valor de<strong> 1 231 920 \u20ac at\u00e9 <\/strong>\u00e0 data, que foram destinados \u00e0 aquisi\u00e7\u00e3o do ativo, ao pagamento dos custos t\u00e9cnicos e ao pagamento de todos os custos de obra at\u00e9 agora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O reembolso do empr\u00e9stimo<\/strong> aos investidores da<strong> wecity est\u00e1 <\/strong>previsto para quando os contratos de compra e venda forem formalizados.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-2-1024x606.png\" alt=\"\" class=\"wp-image-26484\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-2.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\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1-1024x606.png\" alt=\"\" class=\"wp-image-26479\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1.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\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1024x606.png\" alt=\"\" class=\"wp-image-26489\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Barcelona-Palleja_00.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/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=!1m18!1m12!1m3!1d1495.894519516777!2d1.9975400536979817!3d41.42209792636157!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x12a49aa876c2d985%3A0xb7d4174b7b364d3d!2sCarrer%20Nostra%20Senyora%20de%20Loreto%2C%2047%2C%2008780%20Barcelona!5e0!3m2!1ses!2ses!4v1781866090515!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/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<sup>1.\u00ba<\/sup> grau sobre o im\u00f3vel, situado na Carrer Mare de D\u00e9u de Loreto, n.\u00ba 47, em Pallej\u00e1 (<strong>Barcelona<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela <strong><strong><strong>Gloval Valuation<\/strong><\/strong><\/strong>, a avalia\u00e7\u00e3o atual ascende a 2 091 808,94 \u20ac e a avalia\u00e7\u00e3o na hip\u00f3tese de edif\u00edcio conclu\u00eddo (HET) a 3 589 254,11 \u20ac. O empr\u00e9stimo a conceder \u00e0 promotora nesta segunda fase \u00e9 de 740 000 \u20ac, o que representa um Loan to Value (LTV) HET (fases I e II) de 41,23% e um LTV da 1.\u00aa disposi\u00e7\u00e3o (fase II) de 47,45%.<\/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 da wecity ser\u00e3o efectuadas por uma entidade externa <strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neste caso, o Agente de Garantias designado ser\u00e1 aquele que estiver 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 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) n.\u00ba 2024\/358, que completa o Regulamento (UE) 2020\/1503 do Parlamento Europeu e do Conselho, apresenta 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 projetos utilizado para calcular as nota\u00e7\u00f5es. Se o c\u00e1lculo se basear em contas que n\u00e3o tenham sido 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 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":26474,"template":"","class_list":["post-27792","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/27792","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\/26474"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=27792"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}