{"id":28098,"date":"2026-09-28T16:33:06","date_gmt":"2026-09-28T14:33:06","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/sevilha-mairena\/"},"modified":"2026-09-29T10:41:45","modified_gmt":"2026-09-29T08:41:45","slug":"sevilha-mairena","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/sevilha-mairena\/","title":{"rendered":"Sevilha Mairena"},"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>: Moradia unifamiliar.<\/li>\n\n\n\n<li><strong>Objetivo 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>Cumprimento obrigat\u00f3rio: <\/strong>3 meses.<\/li>\n\n\n\n<li><strong>Taxa de juro:<\/strong> 11% p.a.<\/li>\n\n\n\n<li><strong>Rendimento total estimado:<\/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 atual (ECO):<\/strong> 3 112 416,08 \u20ac <strong>| LTV atual<\/strong>: 52,85 %<\/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>Cooperativa<\/strong><strong style=\"color: initial;\">:<\/strong><span style=\"color: initial;\"> 608 073,00 \u20ac<\/span><\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo da wecity:<\/strong> 1 645 000,00 \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 nos primeiros dez minutos.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">O promotor,  <strong>NUEVO MAIRENA S. COOP. E<\/strong>, uma cooperativa gerida por  <strong>\u00danico Homes<\/strong>, pede financiamento para a aquisi\u00e7\u00e3o do lote n.\u00ba 10, denominado R7-A, do Setor SR-3 \u00abCamino de Granadillas\u00bb, em Sevilha, onde vai ser constru\u00eddo um complexo residencial com 28 moradias unifamiliares. Quanto ao gestor da cooperativa, j\u00e1 financiou quatro projetos anteriores na plataforma: tr\u00eas deles (Madrid-Los Berrocales, Val\u00eancia-Llara Paterna e Valladolid-El Peral) j\u00e1 foram amortizadas a 100 % dentro do prazo, num total de 4,28 Mn\u20ac, enquanto o quarto (Madrid-Iris Los Berrocales, de 5 Mn\u20ac) est\u00e1 atualmente em curso e espera-se que seja amortizado dentro do prazo previsto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O terreno da parcela tem uma <strong>\u00e1rea total de 5 475 m<\/strong><strong><sup>2<\/sup><\/strong><strong><\/strong> e uma \u00e1rea edific\u00e1vel de 5.940<sup>m\u00b2<\/sup>, onde v\u00e3o ser constru\u00eddas 28 moradias geminadas de  3 e 4  quartos, com terra\u00e7os, garagem e arrecada\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A n\u00edvel urban\u00edstico, <strong>a licen\u00e7a de constru\u00e7\u00e3o j\u00e1 foi solicitada<\/strong> (setembro de 2026) e o Estudo de Detalhe j\u00e1 foi aprovado. A n\u00edvel comercial, j\u00e1 foram formalizados 11 dos 28 contratos de reserva para aderir \u00e0 cooperativa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Est\u00e3o a pedir um empr\u00e9stimo de <strong>1 645 000,00 \u20ac com hipoteca de primeiro grau<\/strong> sobre o im\u00f3vel para a aquisi\u00e7\u00e3o do terreno, num prazo de <strong>12 meses<\/strong> (+ 3 de eventual prorroga\u00e7\u00e3o) a <strong>uma taxa de juro de 11,00<\/strong>%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At\u00e9 \u00e0 data, os cooperativistas j\u00e1 contribu\u00edram com fundos pr\u00f3prios no valor de 608 073,00 <strong><\/strong>\u20ac. A contribui\u00e7\u00e3o total do promotor representa 26,92 <strong><\/strong>% do total dos fundos necess\u00e1rios para o desenvolvimento do projeto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A sa\u00edda dos investidores da wecity vai acontecer atrav\u00e9s das contribui\u00e7\u00f5es dos cooperativistas e\/ou com a entrada de financiamento banc\u00e1rio.<\/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=\"28063\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-2-1024x606.png\" alt=\"\" class=\"wp-image-28063\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-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=\"28058\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-1-1024x606.png\" alt=\"\" class=\"wp-image-28058\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-1-2048x1213.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=\"28068\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-3-1024x606.png\" alt=\"\" class=\"wp-image-28068\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-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=\"28073\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-4-1024x606.png\" alt=\"\" class=\"wp-image-28073\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-4-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-4-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-4-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-4-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/09\/wecity_imag_inversion_Sevilla-Mairena-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 ambiente<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3172.304880426695!2d-6.078739451966778!3d37.33529017628061!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd1213490cbb57a7%3A0x353fc7baea31125c!2sCamino!5e0!3m2!1ses!2ses!4v1790606049112!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>Sevilha<\/strong> (Mairena del Aljarafe).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela <strong>Tinsa<\/strong>, o valor atual de avalia\u00e7\u00e3o ascende a 3 112 416,08 \u20ac. O empr\u00e9stimo a conceder \u00e0 promotora nesta fase \u00e9 de 1 645 000,00 \u20ac. Isto representa um r\u00e1cio Loan to Value (LTV) atual de 52,85%.<\/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":28056,"template":"","class_list":["post-28098","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/28098","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\/28056"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=28098"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}