{"id":28516,"date":"2026-10-23T10:13:38","date_gmt":"2026-10-23T08:13:38","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/malaga-mijas-golf-view-ii\/"},"modified":"2026-10-28T09:40:26","modified_gmt":"2026-10-28T08:40:26","slug":"malaga-mijas-golf-view-ii","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/pt-pt\/investidores\/malaga-mijas-golf-view-ii\/","title":{"rendered":"M\u00e1laga Mijas Golf View 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) 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> Aquisi\u00e7\u00e3o e 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> Cerca de 7 meses (+3 meses de poss\u00edvel prorroga\u00e7\u00e3o).<\/li>\n\n\n\n<li>Prazo de<strong>cumprimento obrigat\u00f3rio:<\/strong> 4 meses.<\/li>\n\n\n\n<li><strong>Taxa de juro:<\/strong> 10% ao ano.<\/li>\n\n\n\n<li><strong>Rentabilidade total estimada:<\/strong> 5,83%<\/li>\n\n\n\n<li><strong>Pagamento de juros:<\/strong> no vencimento.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual de 20 habita\u00e7\u00f5es (ECO): <\/strong>4 194 341,18 \u20ac<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o atual de 23 habita\u00e7\u00f5es (ECO): <\/strong>4 817 256,18 \u20ac<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o HET de 23 habita\u00e7\u00f5es (ECO): <\/strong>8<strong> <\/strong>082 501,55 \u20ac<strong> | LTV: <\/strong>39<strong> <\/strong>,59 %<\/li>\n\n\n\n<li><strong>1<\/strong>.<strong>\u00ba Empr\u00e9stimo:<\/strong> 1 844 605,61 \u20ac <strong>| LTV do 1.\u00ba empr\u00e9stimo:<\/strong> 40,02 %<\/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><\/li>\n\n\n\n<li><strong>Contribui\u00e7\u00f5es:<\/strong><ul><li><strong>Promotor:<\/strong> 2 078 671,00 \u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Empr\u00e9stimo wecity<\/strong> <strong>Fase I:<\/strong> 1 600 000,00 \u20ac<\/li>\n\n\n\n<li><strong>Empr\u00e9stimo wecity<\/strong> <strong>Fase II:<\/strong> 800 000,00 \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\n\n\n<li>O promotor tem 30 dias para assinar o contrato no cart\u00f3rio.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A promotora <strong>Skorpio Samica S.L.<\/strong> pede um empr\u00e9stimo atrav\u00e9s da <strong>wecity<\/strong> para financiar a compra de 3 habita\u00e7\u00f5es (2 das quais j\u00e1 foram adquiridas anteriormente pela promotora e a terceira ser\u00e1 adquirida durante o prazo do empr\u00e9stimo) num empreendimento de 23 unidades. Al\u00e9m disso, o restante do financiamento ser\u00e1 destinado \u00e0 reabilita\u00e7\u00e3o das 23 moradias unifamiliares geminadas. O projeto fica em Mijas <strong>(Rua Libra de Riviera, 58)<\/strong>. Todas as unidades t\u00eam garagem e piscina comum.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As habita\u00e7\u00f5es t\u00eam uma \u00e1rea m\u00e9dia constru\u00edda de cerca de 80<sup>m\u00b2.<\/sup> Do ponto de vista urban\u00edstico, o projeto j\u00e1 tem <strong>a licen\u00e7a de obras concedida (atualmente, as obras est\u00e3o com mais de 57 % de execu\u00e7\u00e3o)<\/strong>. A n\u00edvel comercial, o empreendimento tem v\u00e1rios interessados, embora o promotor esteja \u00e0 espera que a obra esteja mais avan\u00e7ada para formalizar as vendas. O volume total estimado de vendas \u00e9 de 8 205 000 \u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O projeto vai ser financiado atrav\u00e9s de um  <strong>empr\u00e9stimo hipotec\u00e1rio no valor de 3 200 000 \u20ac<\/strong>  que vai contar  <strong><\/strong>com garantia  <strong>hipotec\u00e1ria em 1<\/strong><strong><sup>ser<\/sup><\/strong> <strong>grau sobre o ativo<\/strong>. Este financiamento vai ser dividido em 3 fases (1 600 000 \u20ac, 800 000 \u20ac e 800 000 \u20ac), com uma taxa de  <strong>juros anuais fixos de 10%<\/strong>  e um prazo normal de 9 meses (+3 de eventual prorroga\u00e7\u00e3o). Esta  <strong>fase II<\/strong>, vai ser financiado no valor de  <strong>800 000 \u20ac<\/strong>  e com um  <strong>prazo estimado de 7 meses<\/strong>  (+3 de eventual prorroga\u00e7\u00e3o). Durante esta fase II, as 3 habita\u00e7\u00f5es far\u00e3o parte, juntamente com as restantes habita\u00e7\u00f5es adquiridas anteriormente, da garantia hipotec\u00e1ria 1<sup>ser<\/sup>  grau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O <strong>promotor investiu fundos pr\u00f3prios no valor<\/strong> de <strong>2 078 671 \u20ac<\/strong> para a aquisi\u00e7\u00e3o e o in\u00edcio da reabilita\u00e7\u00e3o, o que representa <strong>39,38%<\/strong> do total dos fundos necess\u00e1rios para a realiza\u00e7\u00e3o do projeto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O reembolso<\/strong> do <strong>empr\u00e9stimo<\/strong> aos investidores da <strong>wecity<\/strong> est\u00e1 previsto com a venda das habita\u00e7\u00f5es.<\/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=\"27345\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-1024x606.jpg\" alt=\"\" class=\"wp-image-27345\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View_p-2-2048x1213.jpg 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=\"27350\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-1024x606.jpg\" alt=\"\" class=\"wp-image-27350\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1-1-2048x1213.jpg 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=\"27356\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-1024x606.jpg\" alt=\"\" class=\"wp-image-27356\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2-1-2048x1213.jpg 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=\"27361\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-1024x606.jpg\" alt=\"\" class=\"wp-image-27361\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-3-2048x1213.jpg 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=\"27366\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-1024x606.jpg\" alt=\"\" class=\"wp-image-27366\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-4-2048x1213.jpg 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=\"27371\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1024x606.jpg\" alt=\"\" class=\"wp-image-27371\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1024x606.jpg 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-300x178.jpg 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-768x455.jpg 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-1536x909.jpg 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Malaga-Mijas-Golf-View-2048x1213.jpg 2048w\" 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!1d534.5569326465293!2d-4.70809032490794!3d36.49761546558581!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd731feaf51f6b6f%3A0x8c6ae4e662b29f4b!2sC.%20Libra%2C%2058%2C%2029649%20Mijas%2C%20M%C3%A1laga!5e1!3m2!1ses!2ses!4v1785228508621!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 Rua Libra de Riviera, n.\u00ba 58, (Madrid).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o relat\u00f3rio de avalia\u00e7\u00e3o elaborado pela Euroval, a avalia\u00e7\u00e3o atual das 20 habita\u00e7\u00f5es (ECO2) ascende a 4 194 341,18 \u20ac e a das 23 habita\u00e7\u00f5es a 4 817 256,18 \u20ac. Por outro lado, a avalia\u00e7\u00e3o na Hip\u00f3tese de Edif\u00edcio Conclu\u00eddo (HET) das 23 habita\u00e7\u00f5es (ECO2) situa-se nos 8 082 501,55 \u20ac, o que representa um LTV de 39,59%. A primeira disponibiliza\u00e7\u00e3o, no valor de 1 844 605,61 \u20ac, equivale a um LTV de 40,02%.<\/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","protected":false},"featured_media":27349,"template":"","class_list":["post-28516","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/oportunidades\/28516","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\/27349"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=28516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}