175 000.00 €
Listed: 2020-09-01
Type: Development loan
Interest payment schedule: Quarterly
Min. amount of investment - € 100
Project originated by:
Update from the developer:
The originator wishes to inform you through this communication that the promoter of the project, Zedant Nicea Villarcayo S.L., has communicated his willingness to amortize the loan early.
In response to this situation provided for in the contract, the promoter group has transferred the amount for the return of the capital and payment of interest as agreed. This means total profitability higher than initially expected.
8.1 Voluntary early repayment:
The Promoter may, in whole or in part, repay the Loan in advance in any time, as long as the principal, plus interest is paid in full accrued until the early redemption date plus the resulting amount of 50% of
the interests that would have accrued from the early repayment date to the Expiration Date foreseen in this Contract.
The promoter has also informed the originator that the company has been acquired by another company in the group, which has entered into an agreement with a banking institution for the development of the project. As the transfer of the amounts was executed from this new company, the originator is at this moment complying with the legal requirements necessary to be able to unlock the resources that are already deposited in the payment gateway.
For this reason, the expected quarterly interests, as well as the extra interests of the in advance, will be credited to your account along with the capital in the next dates, when the bureaucratic documentation is resolved.
Zedant Nicea Villarcayo SL presents the third stage of the Villarcayo 5 opportunity, a new residential construction project located in the Vista Alegre neighborhood (Madrid).
This is the construction of a completely new building that will house 8 homes, 7 parking spaces and 8 storage rooms. Of the total, there are already 4 units sold, 2 reserved for third-party buyers and 2 for the developer, who is also financing the project with its own funds.
The properties will be built with new and high-quality materials, as well as exquisite, minimalist and spectacular design. In turn, the ground floor will have a garden and swimming pool, ideal for disconnecting and relaxing within the city. A solid project of more than 1.2 million euros and located in an area to be revalued (Carabanchel district), given its optimal communication with the center of Madrid by all types of public and private transport.
The first stage consisted of a fixed loan for the purchase of the land, which was repaid in time to investors and with the expected profitability fully met. The second stage, with a total of 125,000 euros allocated to the execution of the works, was recently financed. The promoter is currently requesting 175,000 euros in order to cover expenses inherent to the project and the execution of the works.
You can access from € 50 and participate in a project that offers them an attractive return ( 10% total in a planned period of 12 months ) and the collection of quarterly fixed interest.
Get returns without waiting for the project to conclude!
Grupo Zedant is real estate developers dedicated to creating and marketing residential homes located in the best areas. Quality, Commitment and Professionalism are present in all its actions.
Specialized in promoting and marketing both residential and holiday homes throughout the Iberian Peninsula. Its professionals, with more than 30 years of experience in the sector, group all the stages of the creation of homes, from the projection of the residences to the final advice, which families require when they are making their home.
The ZEDANT group is a benchmark in sustainability and the environment. The homes of the 21st century must have systems of maximum energy efficiency to save and care for the environment. Various certifications guarantee their promotions.
Access the Promoter's report.
Promotion of new construction in Vista Alegre, one of the peripheral neighborhoods to the central almond of Madrid and to revalue, thanks to its proximity to the center of the capital.
The Villarcayo 5 project includes the construction of a complete building with a modern and designer façade. Its interior will be configured as follows:
3 houses with 2 bedrooms, 2 bathrooms, 1 living room (total area of 52m2).
3 studios with 1 bedroom, 1 bathroom, 1 living room (total area of 33m2).
2 penthouses with 1 bedroom, 1 bathroom, 1 living room, 1 large terrace (total area of 30 and 35m2, respectively).
7 parking spaces (1 large, 5 medium or standard and 1 small)
8 storage rooms.
A pool and garden on the ground floor.
An urban environment for this residential but in a family neighborhood and surrounded by parks, schools and shops, with the convenience of being only 5.5 kilometers from the center of Madrid.
Access the project dossier.
Residencial Villarcayo 5 is located in the Carabanchel district in the Vista Alegre neighborhood, an area consolidated and revalued thanks to extraordinary communications, with several bus lines and proximity to the L5 metro. In turn, it houses the Palacio de Vistalegre, well known for hosting a multitude of events of different kinds (concerts, shows, sports competitions...).
As it is a consolidated residential area, it has schools, markets, local commerce, connection with large shopping centers. It is also connected to the Latina-Imperial district, in the center of the city of Madrid. This causes a boom in the demand for housing in this area and an attraction for urban investments and municipal actions, revaluing what is known as Madrid Río, with actions aimed at sports, leisure, etc.
Strong growth is expected in the coming years due to the number of opportunities that exist in the area and the competitive prices to buy a first home.
The loan is presented as a very attractive investment opportunity:
Access the Loan Report
Stockcrowd IN Success Rate: It is the rate that Stockcrowd IN will charge that will be determined based on a% of the funds obtained for the project, as long as it is successfully closed, that is, the published financing objective is reached on the platform. In case of not closing successfully, StockCrowd IN will not charge this commission. Once the campaign is finished and as a previous step to the delivery of the money to the promoter/manager, this commission is deducted from it in favor of StockCrowd IN. It does not affect the final profitability obtained by investors, since the Promoter is the one who assumes its cost. In this project, it is 4% + VAT on the total to be financed by investors.
Payment gateway fee : It is the fee charged by StockCrowd IN for intermediation with the provider of the payment gateway and custodian. The promoter or manager makes the payment of 1% on the maximum amount of the financing objective that can be achieved in the campaign. In the event that the campaign does not reach the financing objective, the Promoter will be paid the proportional part of this fee with respect to the amount of the maximum financing objective not reached. Also, in this case, the investor will fully recover the amount invested. It does not affect the final profitability obtained by investors, since the Promoter is the one who assumes its cost.
The investment in this project involves the following risks: risk of not obtaining the expected monetary return, risk of falling prices, risk of not completing the financing, political risk, risk of rising interest rates, risk of lack of liquidity to recover the capital invested, subordinated nature of the loan (particularly against the mortgagee, in those cases in which the acquisition of the property that is the object of the project is additionally financed through loans with a mortgage guarantee), risk of total or partial loss of the invested capital and risk of fraud.
Risk of falling prices: That the price of the property falls due to the increase in supply or decrease in demand in the area. There can also be a general drop in property prices due to a multitude of factors.
Mitigation: The promoter knows perfectly the dynamics of the market and his team is made up of professionals with extensive experience in the sector. Their knowledge and know-how allow them to identify and anticipate price trends, anticipating the market. There is an appraisal of the property and sometimes a market study is carried out.
Liquidity risk: Not being able to find a buyer when you want to sell the property.
Mitigation: The sales team knows the dynamics of the market and is structured with a team of collaborators in brokerage services to reduce this risk.
Risk of rising rates: Increase in the cost of financing in the purchase of real estate (mortgages). Which would push down the demand of the housing market.
Mitigation: The most reputable economists predict that the European Central Bank will not raise interest rates drastically this year. And the rise that will be implemented in the future will be very slow.
Political risk: What happens if political instability grows during this year.
Mitigation: Being an asset located in a highly consolidated and exclusive area, it does not have a direct influence, allowing this risk to be significantly reduced.
Risk of not completing the financing: What happens if the investments do not complete the entire objective of the opportunity in the expected time.
Mitigation: The Law for the Promotion of Business Financing 5/2015, allows the Participatory Financing Platforms to exceed the initially foreseen term of up to 25%. If the opportunity has reached at least 90% of the financing objective, it can be effectively completed. In the event that the campaign does not reach the minimum 90% of the project, all amounts are returned by the platform at no cost to the investor.
Risk of total capital loss or of not obtaining the expected monetary return: It is important to bear in mind that there is no safe investment, and as in any investment, there is always the risk, not only of not obtaining the expected returns but of losing all of it. of the invested. There may be a bankruptcy or bankruptcy on the part of the promoter or that the estimates of its business plan are not met for various reasons.
Mitigation: StockcrowdIN performs a risk analysis of both the promoter and the opportunity. It is studied that the promoter is up-to-date with the payment with AEAT and TGSS and that it is not registered in the RAI Likewise, it is studied that no information has been registered on claims of the Public Administration, or lawsuits and that the company deposits its accounts with regularity.
Risk of fraud: It should be noted that there may be a risk of fraud due to the improper use of the money obtained for the project. There may be fraudulent use of money from any real estate operation.
Mitigation: In accordance with the Law for the Promotion of Business Financing 5/2015, StockcrowdIN requests a criminal record and a Honorability Test from administrators and shareholders with high participation in the companies that execute the project. Also, explain that until the participatory financing campaign is completed, the promoter does not have the funds by going to an escrow account where they do not have access. It is also required that every two months, the promoter reports on the use of the money and therefore the evolution of the project. You are also required to keep analytical accounts of the project and separately.
| Date | Status | Late | Assignment date |
|---|---|---|---|
 30.12.2020 | Paid | No | 21 January 2021, 13:53 |
Amount €
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