{"id":27864,"date":"2026-09-09T13:38:19","date_gmt":"2026-09-09T11:38:19","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/algarve-silves\/"},"modified":"2026-09-15T13:04:30","modified_gmt":"2026-09-15T11:04:30","slug":"algarve-silves","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/algarve-silves\/","title":{"rendered":"Algarve, Silves"},"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>Garantia:<\/strong> Hipoteca de 1.<sup>\u00ba grau <\/sup>.<\/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> 11,50% ao ano.<\/li>\n\n\n\n<li><strong>Rendibilidade total estimada:<\/strong> 11,50%<\/li>\n\n\n\n<li><strong>Pagamentos de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual (RICS): <\/strong>3 105 200 \u20ac <strong>| LTV:<\/strong> 32,20%<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET: <\/strong>15<strong> <\/strong>972 300 \u20ac<strong> | LTV: <\/strong>6 ,26%<\/li>\n\n\n\n<li><strong>Classifica\u00e7\u00e3o<\/strong>: <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\">AAA<\/a><\/li>\n\n\n\n<li><strong>Contribui\u00e7\u00f5es:<\/strong><ul><li><strong>Promotor:<\/strong> 450 000 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo wecity:<\/strong> 1.000.000,00 \u20ac<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investimento m\u00ednimo:<\/strong> 500 \u20ac<\/li>\n\n\n\n<li><strong>Investimento m\u00e1ximo:<\/strong> 500 \u20ac durante a primeira meia hora.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A promotora <strong>CONSFLY<\/strong> pede financiamento atrav\u00e9s da wecity para cobrir parte dos <strong>custos de aquisi\u00e7\u00e3o de um terreno<\/strong> que vai ser usado para a constru\u00e7\u00e3o de um <strong>complexo com um total de 39 unidades<\/strong>, na Rua da Alegria, em Arma\u00e7\u00e3o de P\u00eara, Silves, no Algarve.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O terreno tem uma \u00e1rea de 675<sup>m\u00b2<\/sup> e uma \u00e1rea edific\u00e1vel de 3 894<sup>m\u00b2.<\/sup> Do ponto de vista urban\u00edstico, a <strong>licen\u00e7a de constru\u00e7\u00e3o j\u00e1 foi concedida<\/strong>, pelo que o promotor pode dar in\u00edcio \u00e0s obras ap\u00f3s a tramita\u00e7\u00e3o correta do processo e o pagamento das taxas por autoliquida\u00e7\u00e3o, sem necessidade de esperar por um ato de autoriza\u00e7\u00e3o formal por parte da Administra\u00e7\u00e3o P\u00fablica. A n\u00edvel comercial, ainda n\u00e3o se come\u00e7ou a comercializa\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O custo de aquisi\u00e7\u00e3o do ativo ascende a<strong> 1 260 000 \u20ac, mais <\/strong>os respetivos impostos. At\u00e9 ao momento, o promotor j\u00e1 contribuiu com<strong>450 000 \u20ac de fundos pr\u00f3prios<\/strong> (destinados \u00e0 compra do terreno e o restante a despesas t\u00e9cnicas). A fase comercial ter\u00e1 in\u00edcio assim que a estrutura de financiamento estiver consolidada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A oportunidade \u00e9 concretizada atrav\u00e9s de um <strong>empr\u00e9stimo hipotec\u00e1rio de 1 000 000 \u20ac, a uma taxa de juro anual de 11,50%<\/strong>, que ser\u00e1 destinado a cobrir parte da compra do terreno, taxas e a estrutura\u00e7\u00e3o do empr\u00e9stimo. O prazo estimado \u00e9 de <strong>12 meses<\/strong>, com uma possibilidade de prorroga\u00e7\u00e3o opcional de 6 meses. A opera\u00e7\u00e3o \u00e9 garantida por <strong>uma hipoteca de primeiro grau sobre o terreno, cujo valor atual \u00e9 de 3 105 200 \u20ac,<\/strong> de acordo com a avalia\u00e7\u00e3o. O projeto apresenta um custo de execu\u00e7\u00e3o material de 9 056 521 \u20ac (2 326 \u20ac\/m\u00b2) e um valor estimado de vendas de 15 972 300 \u20ac (4 102 \u20ac\/m\u00b2) <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O reembolso do empr\u00e9stimo aos investidores da wecity est\u00e1 previsto atrav\u00e9s da<strong> obten\u00e7\u00e3o de financiamento banc\u00e1rio ou das pr\u00e9-vendas.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Desta vez, 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=\"27822\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-1-1024x606.png\" alt=\"\" class=\"wp-image-27822\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-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=\"27827\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-2-1024x606.png\" alt=\"\" class=\"wp-image-27827\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-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=\"27832\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-3-1024x606.png\" alt=\"\" class=\"wp-image-27832\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-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=\"27847\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-5-1024x606.png\" alt=\"\" class=\"wp-image-27847\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-5-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-5-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-5-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-5-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Algarve-Silves-5.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 arredores<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d1590.9915124821139!2d-8.365207829833501!3d37.10552156463749!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd1ad16d779ceedf%3A0xbe82c4444597015e!2zUi4gZGEgQWxlZ3JpYSwgQXJtYcOnw6NvIGRlIFDDqnJhLCBQb3J0dWdhbA!5e0!3m2!1ses!2ses!4v1788964683430!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 em <strong>Arma\u00e7\u00e3o de P\u00eara | Portugal ( <\/strong>Rua da Alegria LT4).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela <strong>KTESIOS<\/strong>, a avalia\u00e7\u00e3o atual ascende a 3 105 200 \u20ac e a avalia\u00e7\u00e3o na hip\u00f3tese de edif\u00edcio conclu\u00eddo (HET) a 15 972 300 \u20ac. O empr\u00e9stimo a conceder \u00e0 promotora nesta fase \u00e9 de 1 000 000 \u20ac. Isto corresponde a um Loan to Value (LTV) atual de 32,20% e a um Loan to Value (LTV) HET de 6,26%.<\/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":27814,"template":"","class_list":["post-27864","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/27864","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\/27814"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=27864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}