{"id":28019,"date":"2026-09-22T15:14:31","date_gmt":"2026-09-22T13:14:31","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/figueira-da-foz-buarcos\/"},"modified":"2026-09-23T11:07:57","modified_gmt":"2026-09-23T09:07:57","slug":"figueira-da-foz-buarcos","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/figueira-da-foz-buarcos\/","title":{"rendered":"Figueira da Foz Buarcos"},"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>Objetivo do empr\u00e9stimo:<\/strong> Financiar uma parte da aquisi\u00e7\u00e3o e das 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 poss\u00edvel prorroga\u00e7\u00e3o).<\/li>\n\n\n\n<li>Prazo de<strong>cumprimento obrigat\u00f3rio: <\/strong>4<strong> <\/strong>meses.<\/li>\n\n\n\n<li><strong>Taxa de juro:<\/strong> 11,50% ao ano.<\/li>\n\n\n\n<li><strong>Rentabilidade total estimada:<\/strong> 8,625%<\/li>\n\n\n\n<li><strong>Pagamentos de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual da RICS: <\/strong>1<strong> <\/strong>797 500 \u20ac<strong> | LTV do 1.\u00ba empr\u00e9stimo:<\/strong> 55<strong> <\/strong>,63%<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET: <\/strong>2<strong> <\/strong>407 400 \u20ac<strong> | LTV HET:<\/strong> 41,53%<\/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> 535 000 \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 os primeiros dez minutos.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">O promotor <strong>HUUS2ATLANTIC<\/strong> pede financiamento atrav\u00e9s da <strong>wecity<\/strong> para saldar uma d\u00edvida pendente que serviu para cobrir os custos de obra e financiar a conclus\u00e3o das obras de remodela\u00e7\u00e3o de um edif\u00edcio, com um total de 8 unidades independentes, para venda, na Rua Goltz de Carvalho, n.\u00ba 16, em Buarcos, na cidade da <strong>Figueira da Foz, Portugal.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O im\u00f3vel tem uma \u00e1rea de 149 m\u00b2 e uma \u00e1rea bruta de constru\u00e7\u00e3o de 552 m\u00b2, e disp\u00f5e de <strong>uma Licen\u00e7a de Obra concedida<\/strong> com data de 23 de setembro de 2025. De acordo com a avalia\u00e7\u00e3o, <strong>a obra<\/strong> est\u00e1 <strong>59% conclu\u00edda. A n\u00edvel comercial, as vendas come\u00e7aram recentemente<\/strong> e o promotor ainda n\u00e3o vendeu nenhuma unidade \u2014 0% (0 de 8).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O custo total do empreendimento \u00e9 de 1 535 000 \u20ac (aquisi\u00e7\u00e3o + custos indiretos e diretos) e a previs\u00e3o de vendas \u00e9 de um valor total de 2 520 000 \u20ac. O custo de constru\u00e7\u00e3o \u00e9 de 2 780 \u20ac\/m\u00b2 e o pre\u00e7o de venda \u00e9 de 4 565 \u20ac\/m\u00b2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O projeto vai ser financiado atrav\u00e9s de um <strong>empr\u00e9stimo hipotec\u00e1rio a taxa fixa no valor de 1 000 000 \u20ac<\/strong> e vai ter <strong>uma garantia hipotec\u00e1ria de 1.\u00ba grau sobre o ativo. A dura\u00e7\u00e3o estimada do empr\u00e9stimo \u00e9 de 9 meses<\/strong> (+3 de poss\u00edvel prorroga\u00e7\u00e3o).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At\u00e9 \u00e0 data, <strong>o<\/strong> <strong>promotor j\u00e1 investiu<\/strong> <strong>535 000 \u20ac do seu pr\u00f3prio capital,<\/strong> que foram usados para financiar a aquisi\u00e7\u00e3o e as taxas. Quanto ao andamento atual da obra, esta tem sido financiada atrav\u00e9s de um empr\u00e9stimo junto de um terceiro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No que diz respeito \u00e0 garantia do empr\u00e9stimo, \u00e9 importante referir que o edif\u00edcio tem atualmente um valor de <strong>1 797 500 \u20ac.<\/strong> J\u00e1 a avalia\u00e7\u00e3o hipot\u00e9tica do edif\u00edcio conclu\u00eddo ascende a <strong>2 407 400 \u20ac.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A sa\u00edda dos investidores da wecity<\/strong> est\u00e1 prevista com a venda dos apartamentos assim que a obra estiver 100% conclu\u00edda, forem obtidas as licen\u00e7as necess\u00e1rias e os apartamentos forem entregues aos compradores.<\/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=\"27988\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-1-1024x606.png\" alt=\"\" class=\"wp-image-27988\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-1-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-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=\"27993\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-2-1024x606.png\" alt=\"\" class=\"wp-image-27993\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-2-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-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=\"27998\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-3-1024x606.png\" alt=\"\" class=\"wp-image-27998\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-3-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-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=\"28003\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-4-1024x606.png\" alt=\"\" class=\"wp-image-28003\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-4-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-4-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-4-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-4-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Figueira-da-Foz-Buarcos-4.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!1d3048.9889980758985!2d-8.879958048146555!3d40.16479867024871!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd2237a9a9ecd7bd%3A0x60083283b3717b69!2sR.%20Goltz%20de%20Carvalho%2016%2C%203080-264%20Buarcos%2C%20Portugal!5e0!3m2!1ses!2ses!4v1790082720385!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<sup>1.\u00ba<\/sup> grau sobre o im\u00f3vel, situado na Rua Goltz de Carvalho, n.\u00ba 16, na Figueira da Foz, <strong>Portugal<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela <strong>gesvalt<\/strong>, a avalia\u00e7\u00e3o atual ascende a 1 797 500 \u20ac e a avalia\u00e7\u00e3o na hip\u00f3tese de edif\u00edcio conclu\u00eddo (HET) a 2 407 400 \u20ac. O empr\u00e9stimo a conceder \u00e0 promotora nesta fase \u00e9 de 1 000 000 \u20ac. Isto representa um Loan to Value (LTV) atual de 55,63% e um Loan to Value (LTV) HET de 41,53%.<\/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":28012,"template":"","class_list":["post-28019","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/28019","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\/28012"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=28019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}