{"id":92752,"date":"2026-10-20T13:24:07","date_gmt":"2026-10-20T11:24:07","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=92752"},"modified":"2026-10-20T13:33:38","modified_gmt":"2026-10-20T11:33:38","slug":"villa-joy-divida-a-105-para-uma-moradia-de-luxo-em-ibiza","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2026\/10\/20\/villa-joy-divida-a-105-para-uma-moradia-de-luxo-em-ibiza\/","title":{"rendered":"Villa Joy: d\u00edvida a 10,5% para uma moradia de luxo em Ibiza"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"92752\" class=\"elementor elementor-92752 elementor-92744\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-15a1acc e-flex e-con-boxed e-con e-parent\" data-id=\"15a1acc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ec25ebf elementor-widget elementor-widget-text-editor\" data-id=\"5ec25ebf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p>Na pr\u00f3xima <strong>sexta-feira, 23 de outubro, \u00e0s 12h00 (UTC+2)<\/strong>, abrimos ao investimento <strong><a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000527\/\" target=\"_blank\" rel=\"noreferrer noopener\">o projeto Villa Joy<\/a><\/strong>, uma nova oportunidade de d\u00edvida destinada a refinanciar parte do financiamento existente e concluir as obras de uma moradia de luxo em <strong>Roca Llisa, Ibiza<\/strong>.<\/p>\n\n<p>A tranche A tem um montante de <strong>2.240.000 euros<\/strong>, um prazo de <strong>24 meses<\/strong> e uma taxa de juro fixa de <strong>10,5% ao ano, em regime de juro simples<\/strong>, equivalente a uma <strong>rentabilidade total de 21%<\/strong> durante o prazo contratual normal. Inclui ainda um retorno m\u00ednimo equivalente a 12 meses de juros.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Abertura ao investimento:<\/strong> sexta-feira, 23 de outubro, \u00e0s 12h00 (UTC+2)<\/li>\n\n<li><strong><a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_cUBCz4WcQ1m8u-iYkD8GHA\" target=\"_blank\" rel=\"noreferrer noopener\">Webinar<\/a>:<\/strong> quinta-feira, 22 de outubro, \u00e0s 16h00 (UTC+2)<\/li>\n\n<li><strong>Montante do empr\u00e9stimo:<\/strong> 2.240.000 euros<\/li>\n\n<li><strong>Prazo:<\/strong> 24 meses + duas poss\u00edveis prorroga\u00e7\u00f5es de 6 meses<\/li>\n\n<li><strong>Juro:<\/strong> 10,5% ao ano, simples<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Uma moradia de luxo com vista para o mar<\/h2>\n\n<p>Villa Joy \u00e9 uma moradia unifamiliar de arquitetura contempor\u00e2nea situada num terreno com aproximadamente <strong>1.880 m\u00b2<\/strong>.<\/p>\n\n<p>O projeto contempla cerca de <strong>550 m\u00b2 de \u00e1rea habit\u00e1vel<\/strong> \u2014 aproximadamente 900 m\u00b2 de \u00e1rea constru\u00edda, incluindo terra\u00e7os e espa\u00e7os exteriores \u2014, cinco quartos, piscina <em>infinity<\/em>, amplos terra\u00e7os, dom\u00f3tica e acabamentos de elevada qualidade.<\/p>\n\n<p>A moradia situa-se em <strong><a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/11\/27\/invista-em-ibiza-com-licenca-de-obras-concedida\/\" target=\"_blank\" rel=\"noreferrer noopener\">Roca Llisa<\/a><\/strong>, uma das zonas residenciais mais <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/04\/05\/invista-no-projeto-vista-alegre-em-ibiza\/\" target=\"_blank\" rel=\"noreferrer noopener\">exclusivas de Ibiza<\/a>. Trata-se de uma urbaniza\u00e7\u00e3o de baixa densidade, com acesso controlado e seguran\u00e7a, localizada em frente ao Golf de Ibiza.<\/p>\n\n<p>Al\u00e9m das vistas para o mar, o im\u00f3vel fica a poucos minutos de Cala Olivera e disp\u00f5e de boas liga\u00e7\u00f5es a Talamanca, Marina Botafoch, \u00e0 cidade de Ibiza e ao aeroporto.<\/p>\n\n<h2 class=\"wp-block-heading\">Uma obra j\u00e1 em fase avan\u00e7ada<\/h2>\n\n<p>O <a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000527\/\" target=\"_blank\" rel=\"noreferrer noopener\">projeto<\/a> conta com <strong>todas as licen\u00e7as concedidas<\/strong> e as obras est\u00e3o em curso.<\/p>\n\n<p>Em julho de 2026, j\u00e1 tinham sido conclu\u00eddas as funda\u00e7\u00f5es, os muros de conten\u00e7\u00e3o e grande parte da estrutura, com um <strong>grau de execu\u00e7\u00e3o de aproximadamente 30%<\/strong>.<\/p>\n\n<p>A conclus\u00e3o da constru\u00e7\u00e3o est\u00e1 prevista para o final de 2027. Posteriormente, ser\u00e1 tratada a licen\u00e7a de primeira ocupa\u00e7\u00e3o e ter\u00e1 in\u00edcio a fase final de comercializa\u00e7\u00e3o e celebra\u00e7\u00e3o das escrituras durante 2028.<\/p>\n\n<p>A construtora mant\u00e9m ainda uma reten\u00e7\u00e3o de <strong>30% de cada auto de medi\u00e7\u00e3o dos trabalhos<\/strong>, cujo pagamento \u00e9 adiado at\u00e9 \u00e0 venda da moradia e fica subordinado ao empr\u00e9stimo da Urbanitae.<\/p>\n\n<h2 class=\"wp-block-heading\">Um promotor com capital pr\u00f3prio comprometido<\/h2>\n\n<p>Antes da entrada dos investidores da Urbanitae, o promotor tinha investido aproximadamente <strong>2,06 milh\u00f5es de euros de capitais pr\u00f3prios<\/strong>.<\/p>\n\n<p>Est\u00e1 previsto que aporte mais 600.000 euros antes da utiliza\u00e7\u00e3o da segunda tranche, atingindo aproximadamente <strong>2,66 milh\u00f5es de euros<\/strong>, equivalentes a 39% do custo total do projeto.<\/p>\n\n<p>Al\u00e9m disso, o promotor compromete-se a suportar com capitais pr\u00f3prios 100% dos custos gerais e quaisquer eventuais derrapagens de custos n\u00e3o previstas no plano de neg\u00f3cios.<\/p>\n\n<h2 class=\"wp-block-heading\">10,5% ao ano e retorno m\u00ednimo de 12 meses<\/h2>\n\n<p>O empr\u00e9stimo total poder\u00e1 atingir <strong>3.315.000 euros<\/strong> e est\u00e1 estruturado em duas tranches.<\/p>\n\n<p>A <strong>tranche A<\/strong>, que abrimos agora ao investimento, ascende a 2.240.000 euros e destina-se principalmente a refinanciar a d\u00edvida existente, liquidar determinados pagamentos pendentes das primeiras fases da obra e cobrir os custos de estrutura\u00e7\u00e3o da opera\u00e7\u00e3o.<\/p>\n\n<p>As suas principais condi\u00e7\u00f5es s\u00e3o:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Juro fixo:<\/strong> 10,5% ao ano, simples.<\/li>\n\n<li><strong>Prazo:<\/strong> 24 meses.<\/li>\n\n<li><strong>Prorroga\u00e7\u00f5es:<\/strong> dois poss\u00edveis per\u00edodos adicionais de seis meses.<\/li>\n\n<li><strong>Rentabilidade total para o prazo normal:<\/strong> 21%.<\/li>\n\n<li><strong>Retorno m\u00ednimo:<\/strong> 12 meses de juros, equivalentes a 10,5%.<\/li>\n\n<li><strong>Pagamento do capital e dos juros:<\/strong> no vencimento.<\/li>\n<\/ul>\n\n<p>A segunda tranche, at\u00e9 1,075 milh\u00f5es de euros, destina-se a financiar os custos de constru\u00e7\u00e3o pendentes e as conting\u00eancias. As utiliza\u00e7\u00f5es ser\u00e3o efetuadas mediante autos de medi\u00e7\u00e3o dos trabalhos validados por um <strong>Project Monitor<\/strong> externo.<\/p>\n\n<h2 class=\"wp-block-heading\">Garantias do empr\u00e9stimo<\/h2>\n\n<p>A opera\u00e7\u00e3o inclui uma <strong><a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2025\/05\/26\/emprestimo-com-garantia-hipotecaria-o-que-e-e-porque-e-essencial-no-investimento-imobiliario\/\" target=\"_blank\" rel=\"noreferrer noopener\">hipoteca de primeiro grau<\/a><\/strong> <strong>sobre a moradia<\/strong>, com responsabilidade hipotec\u00e1ria de 140% do capital.<\/p>\n\n<p>A esta garantia juntam-se:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Penhor de primeiro grau sobre as participa\u00e7\u00f5es sociais da sociedade mutu\u00e1ria.<\/li>\n\n<li>Penhor de primeiro grau sobre as suas contas banc\u00e1rias.<\/li>\n\n<li><strong>Afeta\u00e7\u00e3o de 100% das receitas l\u00edquidas obtidas com a venda ao reembolso da d\u00edvida<\/strong>, de modo que toda essa liquidez ser\u00e1 destinada ao pagamento do capital e dos juros do empr\u00e9stimo.<\/li>\n\n<li>Compromissos do promotor de aportar capital para cobrir derrapagens de custos e despesas gerais.<\/li>\n\n<li><strong>Mandato irrevog\u00e1vel de venda<\/strong>, que pode ser ativado no vencimento ou em caso de determinados incumprimentos, permitindo promover a venda do im\u00f3vel a um pre\u00e7o m\u00ednimo associado \u00e0 sua avalia\u00e7\u00e3o atualizada.<\/li>\n<\/ul>\n\n<p>A sa\u00edda prevista para os investidores ocorrer\u00e1 atrav\u00e9s da venda da moradia.<\/p>\n\n<h2 class=\"wp-block-heading\">Um LTV de 44% e um LTC contido<\/h2>\n\n<p>O empr\u00e9stimo total representa aproximadamente <strong>44% do pre\u00e7o de venda previsto da moradia \u2014<\/strong> <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/05\/07\/o-que-e-o-loan-to-value\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>LTV<\/strong><\/a>.<\/p>\n\n<p>O LTV compara o montante da d\u00edvida com o valor do ativo. Neste caso, o r\u00e1cio de 44% deixa uma margem significativa entre o montante financiado e o pre\u00e7o de venda previsto da habita\u00e7\u00e3o. <strong>Esta margem de seguran\u00e7a pode facilitar a comercializa\u00e7\u00e3o caso seja necess\u00e1rio ajustar o pre\u00e7o de venda<\/strong>, porque o projeto disp\u00f5e de margem para vender abaixo do objetivo inicial sem que a d\u00edvida passe a representar uma parcela elevada do valor do im\u00f3vel.<\/p>\n\n<p>Por sua vez, o <strong>LTC \u2014 loan to cost \u2014<\/strong> compara o empr\u00e9stimo com o custo total do projeto. Situa-se em cerca de 33% com a tranche A e atingiria aproximadamente 48% se fosse utilizada a totalidade do financiamento, refletindo o peso significativo do capital aportado pelo promotor.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-cf18f60 e-flex e-con-boxed e-con e-parent\" data-id=\"cf18f60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8e42e5 elementor-widget elementor-widget-video\" data-id=\"c8e42e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=qNAMSG1YWTE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f659682 elementor-widget elementor-widget-text-editor\" data-id=\"f659682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\">Porqu\u00ea investir em Villa Joy?<\/h2>\n<p><\/p>\n<p>Acreditamos que <strong><a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000527\/\" target=\"_blank\" rel=\"noreferrer noopener\">Villa Joy<\/a><\/strong> re\u00fane v\u00e1rios elementos relevantes para uma opera\u00e7\u00e3o de d\u00edvida: um im\u00f3vel de luxo numa localiza\u00e7\u00e3o consolidada de Ibiza, obras j\u00e1 em curso e com todas as licen\u00e7as concedidas, uma contribui\u00e7\u00e3o significativa de capital pr\u00f3prio do promotor e um conjunto abrangente de garantias.<\/p>\n<p><\/p>\n<p>Entre os principais destaques encontram-se:<\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Juro simples de 10,5% ao ano<\/strong>.<\/li>\n\n<li><strong><a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2026\/10\/06\/financiamento-participativo-imobiliario-o-que-esta-por-detras-das-rentabilidades-anunciadas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rentabilidade total de 21%<\/a><\/strong> para o prazo normal.<\/li>\n\n<li><strong>Retorno m\u00ednimo equivalente a 12 meses de juros<\/strong>.<\/li>\n\n<li>Hipoteca de primeiro grau sobre o im\u00f3vel.<\/li>\n\n<li><strong>Obra executada em aproximadamente 30%<\/strong>, sem risco pendente relacionado com a obten\u00e7\u00e3o de licen\u00e7as.<\/li>\n\n<li><strong>2,66 milh\u00f5es de euros de capital comprometido pelo promotor<\/strong>, equivalentes a 39% do custo.<\/li>\n\n<li><strong>LTV aproximado de 44% sobre o pre\u00e7o de venda previsto<\/strong>.<\/li>\n\n<li>Pre\u00e7o de venda objetivo de 7,55 milh\u00f5es de euros, inferior \u00e0 m\u00e9dia dos im\u00f3veis compar\u00e1veis analisados em termos de \u20ac\/m\u00b2.<\/li>\n<\/ul>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Calend\u00e1rio previsto<\/h2>\n<p><\/p>\n<p>O prazo normal do empr\u00e9stimo \u00e9 de <strong>24 meses<\/strong>, com at\u00e9 duas poss\u00edveis prorroga\u00e7\u00f5es de seis meses.<\/p>\n<p><\/p>\n<p>Os principais marcos previstos s\u00e3o:<\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Outubro de 2026:<\/strong> concess\u00e3o da tranche A, refinanciamento da d\u00edvida existente e continua\u00e7\u00e3o das obras.<\/li>\n\n<li><strong>Abril de 2027:<\/strong> utiliza\u00e7\u00e3o prevista da tranche B, ap\u00f3s o aporte de capital adicional do promotor.<\/li>\n\n<li><strong>Final de 2027:<\/strong> conclus\u00e3o prevista das obras.<\/li>\n\n<li><strong>Primeiro semestre de 2028:<\/strong> obten\u00e7\u00e3o da Licen\u00e7a de Primeira Ocupa\u00e7\u00e3o e comercializa\u00e7\u00e3o do im\u00f3vel conclu\u00eddo.<\/li>\n\n<li><strong>Segundo semestre de 2028:<\/strong> venda prevista da moradia e reembolso do empr\u00e9stimo.<\/li>\n<\/ul>\n<p><\/p>\n<p>Podes consultar na p\u00e1gina do projeto todas as informa\u00e7\u00f5es sobre a opera\u00e7\u00e3o, os seus riscos, garantias, estudo de mercado e documenta\u00e7\u00e3o associada.<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Tens d\u00favidas sobre o projeto?<\/h2>\n<p><\/p>\n<p>Podes colocar as tuas quest\u00f5es no <strong><a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_cUBCz4WcQ1m8u-iYkD8GHA\" target=\"_blank\" rel=\"noreferrer noopener\">webinar<\/a><\/strong> de <strong>quinta-feira, 22 de outubro, \u00e0s 16h00 (UTC+2)<\/strong>.<\/p>\n<p><\/p>\n<p>A abertura ao investimento de <strong><a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000527\/\" target=\"_blank\" rel=\"noreferrer noopener\">Villa Joy<\/a><\/strong> ser\u00e1 na <strong>sexta-feira, 23 de outubro, \u00e0s 12h00 (UTC+2)<\/strong>.<\/p>\n<p><\/p>\n<p>Tamb\u00e9m podes escrever-nos para <strong><a href=\"mailto:contacto@urbanitae.com\" target=\"_blank\" rel=\"noreferrer noopener\">contacto@urbanitae.com<\/a><\/strong> ou ligar para <strong>(+34) 911 23 25 22<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Villa Joy financia uma opera\u00e7\u00e3o de d\u00edvida para concluir uma villa de luxo em Roca Llisa, Ibiza, com obra a 30%, licen\u00e7as concedidas, hipoteca de primeiro grau, LTV de 44%, 39% dos custos aportados pelo promotor e retorno total de 21%.<\/p>\n","protected":false},"author":1,"featured_media":92760,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"categories":[1079,929],"tags":[1232,1955],"class_list":["post-92752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-divida","category-projetos","tag-casas-de-luxo","tag-prestito-collettivo-immobiliare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investir em im\u00f3veis em Ibiza: Villa Joy<\/title>\n<meta name=\"description\" content=\"Descubra como investir em im\u00f3veis em Ibiza com Villa Joy: villa de luxo, obra a 30%, hipoteca de primeiro grau e retorno anual de 10,5%.\" \/>\n<meta name=\"robots\" content=\"index, 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