{"id":27981,"date":"2026-09-22T11:36:35","date_gmt":"2026-09-22T09:36:35","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/milao-busto-arsizio\/"},"modified":"2026-09-22T17:37:39","modified_gmt":"2026-09-22T15:37:39","slug":"milao-busto-arsizio","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/milao-busto-arsizio\/","title":{"rendered":"Mil\u00e3o Busto Arsizio"},"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>: Empr\u00e9stimo hipotec\u00e1rio a taxa fixa<\/li>\n\n\n\n<li><strong>Finalidade do empr\u00e9stimo:<\/strong> Obras.<\/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> 18 meses (+6 meses de poss\u00edvel prorroga\u00e7\u00e3o).<\/li>\n\n\n\n<li><strong>Prazo m\u00ednimo de cumprimento: <\/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> 16,50%<\/li>\n\n\n\n<li><strong>Pagamento de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Valor atual:<\/strong> 1 808 000 \u20ac<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET: <\/strong>6<strong> <\/strong>790 000 \u20ac<strong> | LTV:<\/strong> 44,18%<\/li>\n\n\n\n<li><strong>1.\u00ba levantamento:<\/strong> 190 000 \u20ac <strong>| LTV do 1.\u00ba levantamento: <\/strong>10<strong> <\/strong>,51%<\/li>\n\n\n\n<li><strong>Classifica\u00e7\u00e3o<\/strong>: <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\">A<\/a><a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\">A<\/a><\/li>\n\n\n\n<li><strong>Contribui\u00e7\u00f5es:<\/strong><ul><li><strong>Promotor:<\/strong> 1 790 000 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo wecity:<\/strong> 1 400 000,00 \u20ac<\/li>\n\n\n\n<li><strong>Outros investidores: <\/strong>600<strong> <\/strong>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 class=\"wp-block-paragraph\">A promotora <strong>Tea Real Estate<\/strong> est\u00e1 a solicitar financiamento atrav\u00e9s da <strong>wecity<\/strong> para a reabilita\u00e7\u00e3o de um edif\u00edcio situado na Via Giordano Bruno, n.\u00ba 9-11 (Busto Arsizio, Mil\u00e3o, <strong>It\u00e1lia<\/strong>), onde v\u00e3o ser constru\u00eddos <strong>17 apartamentos com 21 lugares de estacionamento<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O edif\u00edcio tem uma \u00e1rea constru\u00edda de 2 115 m\u00b2 e a obra est\u00e1 22 % conclu\u00edda. A <strong>n\u00edvel urban\u00edstico<\/strong>, a <strong>licen\u00e7a de constru\u00e7\u00e3o<\/strong> foi obtida em abril deste ano. A n\u00edvel comercial, a venda dos ativos vai come\u00e7ar assim que o promotor retomar a obra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O projeto vai ser financiado atrav\u00e9s de um empr\u00e9stimo hipotec\u00e1rio a taxa fixa no valor de <strong>3 000 000 \u20ac em 3 fases<\/strong>, com uma taxa de juro anual de <strong>11% e um prazo normal de 18 meses + 6 de poss\u00edvel prorroga\u00e7\u00e3o.<\/strong> Nesta  fase, vamos financiar a <strong>Fase I do empr\u00e9stimo no valor de 1 400 000 \u20ac atrav\u00e9s de um empr\u00e9stimo hipotec\u00e1rio a taxa fixa que<\/strong> contar\u00e1 com <strong>garantia hipotec\u00e1ria de primeiro grau<\/strong><strong><sup>1<\/sup><\/strong><strong>sobre o ativo. Os fundos<\/strong> v\u00e3o servir para financiar a fase inicial da  obra.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O promotor contribuiu com fundos pr\u00f3prios no valor<\/strong> de <strong>1 790 000 \u20ac<\/strong> <strong><\/strong>para a aquisi\u00e7\u00e3o do ativo, das licen\u00e7as e da primeira fase de arranque da obra, o que representa <strong>33,2% do total dos fundos necess\u00e1rios para o desenvolvimento do projeto.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>sa\u00edda<\/strong> dos investidores da <strong>wecity<\/strong> est\u00e1 prevista atrav\u00e9s da venda dos ativos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nesta ocasi\u00e3o, \u00e9 utilizado o AInvest.<\/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=\"27940\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-1-1-1024x606.png\" alt=\"\" class=\"wp-image-27940\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-1-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-1-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-1-1-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-1-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-1-1.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=\"27945\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-2-1-1024x606.png\" alt=\"\" class=\"wp-image-27945\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-2-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-2-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-2-1-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-2-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-2-1.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=\"27950\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-3-1024x606.png\" alt=\"\" class=\"wp-image-27950\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-3-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-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=\"27960\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-5-1024x606.png\" alt=\"\" class=\"wp-image-27960\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-5-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-5-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-5-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-5-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Milan-Busto-Arsizio_p-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!1d2791.1224959112446!2d8.835365764096466!3d45.6081822731941!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x47868b99b38c793d%3A0x19351fc11db21d63!2sVia%20Giordano%20Bruno%2C%209%2F11%2C%2021052%20Busto%20Arsizio%20VA%2C%20Italia!5e0!3m2!1ses!2ses!4v1790069531382!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>Busto Arsizio<\/strong> (Via Giordano Bruno 9-11)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela RYZE, a <strong>avalia\u00e7\u00e3o atual<\/strong> ascende a 1 808 000 \u20ac e a <strong>avalia\u00e7\u00e3o na hip\u00f3tese de edif\u00edcio conclu\u00eddo<\/strong>(HET) a 6 790 000 \u20ac. O empr\u00e9stimo a conceder \u00e0 promotora \u00e9 de 1 400 000, o que corresponde a um Loan to Value (LTV) HET de 44,<strong>18%<\/strong> e a um Loan to Value na 1.\u00aa Disposi\u00e7\u00e3o de 10,51%.<\/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 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\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":27969,"template":"","class_list":["post-27981","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/27981","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\/27969"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=27981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}