{"id":28387,"date":"2026-10-19T18:31:00","date_gmt":"2026-10-19T16:31:00","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/pisa-centro-ii\/"},"modified":"2026-10-28T13:36:09","modified_gmt":"2026-10-28T12:36:09","slug":"pisa-centro-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/pisa-centro-ii\/","title":{"rendered":"Pisa Centro 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\"><strong>Skin in the game<\/strong>: <em>\u00abEm conformidade com o artigo 8.\u00ba, n.\u00ba 2, do Regulamento (UE) n.\u00ba 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, dirigentes e colaboradores da wecity<\/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>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> 15 meses (+6 meses de prorroga\u00e7\u00e3o poss\u00edvel)<\/li>\n\n\n\n<li>Prazo de<strong>cumprimento obrigat\u00f3rio: 6 <\/strong>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> 13,75 %<\/li>\n\n\n\n<li><strong>Pagamento de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual (ECO):<\/strong> 2 345 000 \u20ac<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET:<\/strong> 5 262 200 \u20ac<strong> | LTV: 34 <\/strong>,21 % <\/li>\n\n\n\n<li><strong>1.\u00ba levantamento:<\/strong> 200 000 \u20ac <strong> | LTV do 1.\u00ba levantamento: 8 <\/strong>,53%<\/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>P<\/strong><strong style=\"color: initial;\">romotor:<\/strong><span style=\"color: initial;\"> 1 342 000 \u20ac<\/span><\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo da wecity:<\/strong> 900 000,00 \u20ac<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investimento m\u00ednimo:<\/strong> 500 euros<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A promotora <strong>Gruppo Del Gaudio<\/strong>, atrav\u00e9s da empresa <strong>Turati 719 Srl<\/strong>, solicita financiamento \u00e0 <strong>wecity<\/strong> para a reabilita\u00e7\u00e3o de um edif\u00edcio situado na Via Filippo Turati, 7-19 (Pisa, <strong>It\u00e1lia<\/strong>), onde ser\u00e3o constru\u00eddos <strong>13 apartamentos com lugares de estacionamento<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O edif\u00edcio tem uma \u00e1rea constru\u00edda de 1 200 m\u00b2. A <strong>n\u00edvel urban\u00edstico<\/strong>, a <strong>licen\u00e7a<\/strong> foi <strong>tratada<\/strong> <strong>atrav\u00e9s de uma declara\u00e7\u00e3o respons\u00e1vel<\/strong> e as obras j\u00e1 come\u00e7aram <strong>,<\/strong> com um <strong>avan\u00e7o de<\/strong> <strong>17 %<\/strong> no final de setembro <strong>.<\/strong> A n\u00edvel comercial, a comercializa\u00e7\u00e3o vai come\u00e7ar assim que o promotor tiver atingido um n\u00edvel de avan\u00e7o significativo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O montante total do empr\u00e9stimo ascende a <strong>2 600 000 \u20ac em 3 fases<\/strong>, com uma taxa de juro anual de <strong>11% e um prazo normal de 15 meses + 6 de eventual prorroga\u00e7\u00e3o.<\/strong> Nesta segunda fase, vamos financiar a <strong>Fase II do empr\u00e9stimo no valor de 900 000 \u20ac<\/strong>, que ser\u00e3o destinados \u00e0s obras. A opera\u00e7\u00e3o contar\u00e1 com <strong>uma hipoteca de primeiro grau<\/strong> <strong>sobre o ativo.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O promotor contribuiu com fundos pr\u00f3prios no valor de <strong>1 342 000 \u20ac<\/strong> <strong><\/strong>para a aquisi\u00e7\u00e3o do ativo, o que representa 35,13% do total dos fundos necess\u00e1rios para o desenvolvimento do projeto.<\/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 das unidades.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Neste caso, 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-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_Pisa-Via-Turati_p-1024x606.png\" alt=\"\" class=\"wp-image-26539\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_p-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_p-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_p-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_p-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_p.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_Pisa-Via-Turati_00-1-1-1024x606.png\" alt=\"\" class=\"wp-image-26544\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-1-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-1-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-1-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-1-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-1-1.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\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-2-1-1024x606.png\" alt=\"\" class=\"wp-image-26559\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-2-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-2-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-2-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-2-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-2-1.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\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-3-1024x606.png\" alt=\"\" class=\"wp-image-26564\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/06\/wecity_imag_inversion_Pisa-Via-Turati_00-3.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!1d2883.9385979971003!2d10.400138617720613!3d43.711825094358275!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x12d591995b354cd5%3A0x358c5dbe3de868c4!2sVia%20Filippo%20Turati%2C%207%2F19%2C%20Cascina%2C%2056125%20Pisa%20PI%2C%20Italia!5e0!3m2!1ses!2ses!4v1782293191834!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 na Via Turati 7-19 (<strong>Pisa<\/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>RYZE<\/strong><\/strong><\/strong>, o valor atual de avalia\u00e7\u00e3o ascende a 2 345 000 \u20ac e o valor de avalia\u00e7\u00e3o na hip\u00f3tese de edif\u00edcio conclu\u00eddo (HET) a 5 262 200 \u20ac. O empr\u00e9stimo a conceder \u00e0 promotora nesta segunda fase \u00e9 de 900 000 \u20ac, o que representa um Loan to Value (LTV) HET de 34,21%<strong> <\/strong> e um LTV de 1.\u00aa disposi\u00e7\u00e3o de 8,53%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Agente de garantias<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A 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 garantia nomeado ser\u00e1 o 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>, enquanto prestadora de servi\u00e7os de financiamento colaborativo e em conformidade com o Regulamento Delegado (UE) 2024\/358 que complementa o Regulamento (UE) 2020\/1503 do Parlamento Europeu e do Conselho, fornece 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 projectos utilizados para calcular as nota\u00e7\u00f5es. Se o c\u00e1lculo se basear em contas que n\u00e3o tenham sido objeto de auditoria, este facto deve ser claramente indicado na descri\u00e7\u00e3o do m\u00e9todo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Monitoriza\u00e7\u00e3o<\/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":26777,"template":"","class_list":["post-28387","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/28387","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\/26777"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=28387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}