{"id":28439,"date":"2026-10-22T09:52:11","date_gmt":"2026-10-22T07:52:11","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/murcia-toneleros\/"},"modified":"2026-10-27T09:39:17","modified_gmt":"2026-10-27T08:39:17","slug":"murcia-toneleros","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/murcia-toneleros\/","title":{"rendered":"Murcia Toneleros"},"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> 12 meses (+6 meses de prorroga\u00e7\u00e3o poss\u00edvel).<\/li>\n\n\n\n<li>Prazo de<strong>cumprimento obrigat\u00f3rio: <\/strong>6<strong> <\/strong>meses.<\/li>\n\n\n\n<li><strong>Taxa de juro:<\/strong> 10,75% ao ano.<\/li>\n\n\n\n<li><strong>Rendibilidade total estimada:<\/strong> 10,75%<\/li>\n\n\n\n<li><strong>Pagamento de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o ECO atual:<\/strong> 735 291,60 \u20ac<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o ECO HET:<\/strong> 2 028 217,22 \u20ac<strong> | LTV HET: <\/strong>36<strong> <\/strong>,98%<\/li>\n\n\n\n<li><strong>1 <\/strong>.<strong>\u00ba empr\u00e9stimo: <\/strong>193<strong> <\/strong>000 \u20ac<strong> | LTV do 1.\u00ba empr\u00e9stimo: <\/strong>26<strong> <\/strong>,25 %<\/li>\n\n\n\n<li><strong>Classifica\u00e7\u00e3o<\/strong>: <a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\" data-type=\"link\" data-id=\"https:\/\/www.wecity.com\/que-modelo-de-riesgo-sigue-wecity-en-sus-proyectos-de-inversion\/\">A<\/a><a href=\"https:\/\/www.wecity.com\/pt-pt\/modelo-de-avaliacao-de-riscos\/\" data-type=\"link\" data-id=\"https:\/\/www.wecity.com\/que-modelo-de-riesgo-sigue-wecity-en-sus-proyectos-de-inversion\/\">A<\/a><\/li>\n\n\n\n<li><strong>Aportaciones:<\/strong><ul><li><strong>Promotor:<\/strong> 420.338,9&nbsp;\u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo da wecity:<\/strong> 750 000 \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\">A promotora <strong>Spanish Repossessions Sl<\/strong> pede financiamento atrav\u00e9s da <strong>wecity<\/strong> para cobrir parte dos custos de constru\u00e7\u00e3o de um empreendimento com <strong>9 habita\u00e7\u00f5es e um espa\u00e7o comercial<\/strong> no <strong>Porto de Mazarr\u00f3n, em M\u00farcia. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O terreno tem uma \u00e1rea de 230<sup>m\u00b2<\/sup>, onde est\u00e1 a ser desenvolvido um projeto com 939<sup>m\u00b2<\/sup> de \u00e1rea constru\u00edda. O projeto j\u00e1 tem licen\u00e7a de constru\u00e7\u00e3o v\u00e1lida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As habita\u00e7\u00f5es ter\u00e3o 2 quartos e 2 casas de banho. No que diz respeito \u00e0 parte comercial, j\u00e1 foram vendidas 6 das 9 habita\u00e7\u00f5es (67%) e 1\/1 espa\u00e7o comercial (100%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O projeto vai ser financiado atrav\u00e9s de um <strong>empr\u00e9stimo hipotec\u00e1rio<\/strong> no valor de <strong>750 000 \u20ac, a taxa fixa, que<\/strong> <strong>vai ter uma garantia hipotec\u00e1ria de primeiro grau<sup> <\/sup><\/strong> e vai ter uma <strong>dura\u00e7\u00e3o de 12 meses<\/strong> (+6 de eventual prorroga\u00e7\u00e3o).  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At\u00e9 o momento, a construtora contribuiu com recursos pr\u00f3prios.<strong><\/strong> O investimento de <strong>\u20ac<\/strong> <strong>420.338<\/strong> cobre a aquisi\u00e7\u00e3o do terreno, o in\u00edcio da constru\u00e7\u00e3o <strong>e<\/strong> as despesas associadas ao projeto. Al\u00e9m disso, os compradores contribuir\u00e3o com <strong>\u20ac 260.000<\/strong> para a constru\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A sa\u00edda dos investidores da Wecity est\u00e1 prevista para a entrega dos im\u00f3veis.<\/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-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"858\" height=\"855\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01.png\" alt=\"\" class=\"wp-image-28416\" style=\"aspect-ratio:1.6897867622411882;width:1200px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01.png 858w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-150x150.png 150w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-300x299.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-768x765.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-80x80.png 80w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_01-48x48.png 48w\" sizes=\"auto, (max-width: 858px) 100vw, 858px\" \/><\/figure>\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=\"28406\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-1024x606.png\" alt=\"\" class=\"wp-image-28406\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_02.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-1024x606.png\" alt=\"\" class=\"wp-image-28411\" style=\"aspect-ratio:1.6897867622411882;width:1200px;height:auto\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-767x454.png 767w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/10\/wecity_imag_Murcia_Toneleros_03.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=!1m14!1m12!1m3!1d1581.2829575547403!2d-1.2608833850983425!3d37.5652897262432!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!5e0!3m2!1ses!2ses!4v1792661636134!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>Puerto de Mazarr\u00f3n, M\u00farcia<\/strong> (Plaza Toneleros).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela Tinsa, a <strong>avalia\u00e7\u00e3o atual<\/strong> ascende a <strong><strong>735 291,60<\/strong><\/strong> \u20ac e a <strong>avalia\u00e7\u00e3o na hip\u00f3tese de edif\u00edcio conclu\u00eddo<\/strong>(HET) a <strong><strong>2 028 217,22<\/strong> \u20ac.<\/strong> O empr\u00e9stimo a conceder \u00e0 promotora nesta <strong>primeira fase<\/strong> <strong>\u00e9 de 750 000 \u20ac<\/strong>, o que corresponde a um Loan to Value (LTV) HET de <strong><strong>36,<\/strong>98%<\/strong> e a um LTV da 1.\u00aa disposi\u00e7\u00e3o de<strong> <strong>26,25%<\/strong><\/strong><\/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":28433,"template":"","class_list":["post-28439","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/28439","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\/28433"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=28439"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}