{"id":93790,"date":"2026-11-06T12:46:21","date_gmt":"2026-11-06T11:46:21","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=93790"},"modified":"2026-11-06T12:49:43","modified_gmt":"2026-11-06T11:49:43","slug":"vivaldi-iii-financiamento-por-divida-a-10-para-concluir-uma-villa-de-luxo-em-sierra-blanca","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2026\/11\/06\/vivaldi-iii-financiamento-por-divida-a-10-para-concluir-uma-villa-de-luxo-em-sierra-blanca\/","title":{"rendered":"Vivaldi III: financiamento por d\u00edvida a 10% para concluir uma villa de luxo em Sierra Blanca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"93790\" class=\"elementor elementor-93790 elementor-93772\" 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-23aa2c89 e-flex e-con-boxed e-con e-parent\" data-id=\"23aa2c89\" 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-30248614 elementor-widget elementor-widget-text-editor\" data-id=\"30248614\" 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>ter\u00e7a-feira, 10 de novembro, \u00e0s 16h00 (UTC+1)<\/strong>, abrimos ao investimento <a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>o projeto Vivaldi III<\/strong><\/a>, a terceira tranche de financiamento destinada a concluir a constru\u00e7\u00e3o de uma villa de luxo em <strong>Sierra Blanca, Marbella<\/strong>.<\/p>\n\n<p>A obra encontra-se j\u00e1 cerca de <strong>80% conclu\u00edda<\/strong> e esta nova tranche, de <strong>1.340.000 euros<\/strong>, destina-se a financiar os custos de constru\u00e7\u00e3o e as despesas gerais ainda pendentes at\u00e9 \u00e0 conclus\u00e3o do projeto.<\/p>\n\n<p>A tranche C tem um prazo de <strong>13 meses<\/strong>, uma taxa de juro fixa de <strong>10% ao ano, em regime de juro simples<\/strong>, e uma <strong>rentabilidade total de 10,89%<\/strong> para o prazo normal.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Abertura ao investimento:<\/strong> ter\u00e7a-feira, 10 de novembro, \u00e0s 16h00 (UTC+1).<\/li>\n\n<li><strong>Tranche C:<\/strong> 1.340.000 euros.<\/li>\n\n<li><strong>Prazo:<\/strong> 13 meses + duas poss\u00edveis extens\u00f5es de seis meses.<\/li>\n\n<li><strong>Juro:<\/strong> 10% ao ano, em regime de juro simples.<\/li>\n\n<li><strong>Rentabilidade total:<\/strong> 10,89%.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Uma villa com mais de 2.000 m\u00b2 em Sierra Blanca<\/h2>\n\n<p>O <a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\">projeto<\/a> consiste numa moradia unifamiliar de constru\u00e7\u00e3o nova, com uma \u00e1rea constru\u00edda de <strong>2.032 m\u00b2<\/strong>, implantada num lote de esquina de 2.025 m\u00b2.<\/p>\n\n<p>A habita\u00e7\u00e3o contar\u00e1 com <strong>sete quartos e oito casas de banho<\/strong>, al\u00e9m de sala de cinema, garrafeira, zona de <em>wellness<\/em> com spa, gin\u00e1sio, estacionamento interior, jardim e piscina. A sua posi\u00e7\u00e3o elevada permite desfrutar de vistas panor\u00e2micas sobre o mar e a montanha a partir dos diferentes pisos.<\/p>\n\n<p>O ativo situa-se em <strong>Sierra Blanca<\/strong>, um condom\u00ednio fechado junto \u00e0 Milha de Ouro de Marbella, caracterizado pela baixa densidade, privacidade e seguran\u00e7a.<\/p>\n\n<h2 class=\"wp-block-heading\">Uma obra j\u00e1 80% executada<\/h2>\n\n<p>Um dos principais elementos diferenciadores de Vivaldi III \u00e9 o estado avan\u00e7ado de execu\u00e7\u00e3o.<\/p>\n\n<p>O projeto disp\u00f5e de <strong>licen\u00e7a de constru\u00e7\u00e3o v\u00e1lida<\/strong> e a obra encontra-se aproximadamente <strong>80% conclu\u00edda<\/strong>, pelo que o financiamento desta terceira tranche se concentra na fase final dos trabalhos.<\/p>\n\n<p>A conclus\u00e3o est\u00e1 prevista para o <strong>primeiro trimestre de 2027<\/strong>, altura em que se prev\u00ea realizar um <em>Open House<\/em> para impulsionar a comercializa\u00e7\u00e3o do im\u00f3vel conclu\u00eddo.<\/p>\n\n<p>O pre\u00e7o de venda objetivo da villa \u00e9 de <strong>25 milh\u00f5es de euros<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">Terceira e \u00faltima tranche do empr\u00e9stimo<\/h2>\n\n<p>O financiamento total do projeto ascende a <strong>9,99 milh\u00f5es de euros<\/strong>, estruturados em tr\u00eas tranches.<\/p>\n\n<p>A <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2026\/06\/03\/vivaldi-divida-para-uma-moradia-de-luxo-em-sierra-blanca-marbella\/\" target=\"_blank\" rel=\"noreferrer noopener\">tranche A<\/a> foi formalizada em junho de 2026 por um montante m\u00e1ximo de 7,34 milh\u00f5es de euros, dos quais 2,34 milh\u00f5es foram disponibilizados por investidores da Urbanitae e 5 milh\u00f5es por coinvestidores externos.<\/p>\n\n<p>Em julho, foi concedida uma <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2026\/07\/17\/vivaldi-ii-divida-a-1025-anual-para-uma-villa-ultra-prime-em-sierra-blanca\/\" target=\"_blank\" rel=\"noreferrer noopener\">segunda tranche<\/a> de <strong>1,31 milh\u00f5es de euros<\/strong> para dar continuidade aos trabalhos de constru\u00e7\u00e3o.<\/p>\n\n<p>Abre agora a <strong>tranche C, at\u00e9 1,34 milh\u00f5es de euros<\/strong>, destinada a cobrir os custos de constru\u00e7\u00e3o e as despesas gerais ainda pendentes at\u00e9 \u00e0 conclus\u00e3o da villa.<\/p>\n\n<p>Por sua vez, o promotor mant\u00e9m aproximadamente <strong>3,7 milh\u00f5es de euros de capitais pr\u00f3prios j\u00e1 investidos no projeto<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">10% ao ano durante 13 meses<\/h2>\n\n<p>As principais condi\u00e7\u00f5es da tranche C s\u00e3o:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Montante:<\/strong> 1.340.000 euros.<\/li>\n\n<li><strong>Juro:<\/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\">10% ao ano, em regime de juro simples<\/a>.<\/li>\n\n<li><strong>Prazo normal:<\/strong> 13 meses.<\/li>\n\n<li><strong>Rentabilidade total:<\/strong> 10,89%.<\/li>\n\n<li><strong>Extens\u00f5es:<\/strong> dois poss\u00edveis per\u00edodos adicionais de seis meses, nos meses 13 e 19.<\/li>\n\n<li><strong>Pagamento do capital e dos juros:<\/strong> no vencimento.<\/li>\n<\/ul>\n\n<p>Caso seja utilizada a segunda extens\u00e3o, a taxa de juro aumentar\u00e1 <strong>100 pontos base<\/strong>, para 11% ao ano.<\/p>\n\n<p>Os desembolsos destinados \u00e0 obra ser\u00e3o efetuados mediante autos de medi\u00e7\u00e3o mensais previamente revistos por um <strong>Project Monitor<\/strong> independente.<\/p>\n\n<h2 class=\"wp-block-heading\">Garantias do empr\u00e9stimo<\/h2>\n\n<p>O empr\u00e9stimo conta com uma <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\"><strong>hipoteca de primeiro grau<\/strong><\/a> <strong>sobre a villa<\/strong>, com uma responsabilidade hipotec\u00e1ria equivalente a 130% do capital.<\/p>\n\n<p>A esta garantia acrescem:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Penhor de primeiro grau sobre as participa\u00e7\u00f5es sociais da sociedade promotora.<\/li>\n\n<li>Penhor de primeiro grau sobre as contas banc\u00e1rias do projeto.<\/li>\n\n<li><strong>Equity Commitment Letter<\/strong>, atrav\u00e9s da qual o promotor se compromete a cobrir com fundos pr\u00f3prios eventuais derrapagens de custos n\u00e3o previstas.<\/li>\n\n<li><strong>Mandato irrevog\u00e1vel de venda<\/strong>, acion\u00e1vel perante determinados incumprimentos ou caso o empr\u00e9stimo n\u00e3o seja reembolsado no vencimento. O pre\u00e7o m\u00ednimo de venda \u00e9 fixado em 80% da \u00faltima avalia\u00e7\u00e3o dispon\u00edvel.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Um LTV inferior a 44%<\/h2>\n\n<p>O empr\u00e9stimo total apresenta um <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 inferior a 44%<\/strong><\/a> <strong>face \u00e0 \u00faltima avalia\u00e7\u00e3o dispon\u00edvel<\/strong>, de 22,24 milh\u00f5es de euros, e de aproximadamente <strong>40% face ao pre\u00e7o de venda objetivo<\/strong>, de 25 milh\u00f5es de euros.<\/p>\n\n<p>O LTV relaciona o montante da d\u00edvida com o valor do ativo. Uma percentagem moderada significa que existe uma margem relevante entre ambos. Neste caso, permitiria absorver uma redu\u00e7\u00e3o significativa do pre\u00e7o de venda previsto antes de a d\u00edvida passar a representar uma parcela elevada do valor da villa.<\/p>\n\n<p>Esta margem pode ser especialmente relevante durante a comercializa\u00e7\u00e3o, proporcionando maior flexibilidade para ajustar o pre\u00e7o de venda caso as condi\u00e7\u00f5es de mercado o tornem necess\u00e1rio.<\/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-575294f e-flex e-con-boxed e-con e-parent\" data-id=\"575294f\" 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-575ca5d elementor-widget elementor-widget-video\" data-id=\"575ca5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=GXRl0Z05qJ0&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\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-43f2e80 e-flex e-con-boxed e-con e-parent\" data-id=\"43f2e80\" 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-df5adec elementor-widget elementor-widget-text-editor\" data-id=\"df5adec\" 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 Vivaldi III?<\/h2>\n<p><\/p>\n<p>Consideramos que <a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Vivaldi III<\/strong><\/a> re\u00fane v\u00e1rios elementos relevantes para uma opera\u00e7\u00e3o de d\u00edvida: uma villa <em>ultra-prime<\/em> numa das zonas mais exclusivas de Marbella, uma constru\u00e7\u00e3o j\u00e1 muito avan\u00e7ada e uma estrutura financeira com um n\u00edvel de alavancagem moderado.<\/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>Taxa de juro simples de 10% ao ano<\/strong>.<\/li>\n\n<li><strong>Rentabilidade total de 10,89%<\/strong> para os 13 meses do prazo normal.<\/li>\n\n<li><strong>Hipoteca de primeiro grau<\/strong> sobre o ativo.<\/li>\n\n<li>Obra executada em aproximadamente <strong>80%<\/strong>.<\/li>\n\n<li><strong>LTV inferior a 44%<\/strong> face \u00e0 \u00faltima avalia\u00e7\u00e3o.<\/li>\n\n<li>Cerca de <strong>3,7 milh\u00f5es de euros de capitais pr\u00f3prios<\/strong> j\u00e1 investidos pelo promotor.<\/li>\n\n<li>Compromisso do promotor de assumir eventuais derrapagens de custos atrav\u00e9s de uma <em>Equity Commitment Letter<\/em>.<\/li>\n\n<li>Comercializa\u00e7\u00e3o prevista atrav\u00e9s de canais diretos e de uma sele\u00e7\u00e3o de ag\u00eancias especializadas no segmento imobili\u00e1rio de luxo de Marbella.<\/li>\n<\/ul>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Calend\u00e1rio estimado<\/h2>\n<p><\/p>\n<p>O prazo normal da tranche C \u00e9 de <strong>13 meses<\/strong>, com duas poss\u00edveis extens\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>Novembro de 2026:<\/strong> concess\u00e3o da tranche C e financiamento da fase final dos trabalhos.<\/li>\n\n<li><strong>Primeiro trimestre de 2027:<\/strong> conclus\u00e3o prevista da constru\u00e7\u00e3o e realiza\u00e7\u00e3o de um <em>Open House<\/em>.<\/li>\n\n<li><strong>Quarto trimestre de 2027:<\/strong> venda prevista da villa e reembolso do empr\u00e9stimo.<\/li>\n<\/ul>\n<p><\/p>\n<p>Como em qualquer projeto imobili\u00e1rio, estes prazos podem variar em fun\u00e7\u00e3o da evolu\u00e7\u00e3o da obra e da comercializa\u00e7\u00e3o.<\/p>\n<p><\/p>\n<p>Podes consultar na p\u00e1gina do projeto todas as informa\u00e7\u00f5es sobre a opera\u00e7\u00e3o, as suas garantias, riscos 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>A abertura ao investimento de <a href=\"https:\/\/urbanitae.com\/pt\/projeto\/P000531\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Vivaldi III<\/strong><\/a> ser\u00e1 na <strong>ter\u00e7a-feira, 10 de novembro, \u00e0s 16h00 (UTC+1)<\/strong>.<\/p>\n<p><\/p>\n<p>Podes voltar a ver o <a href=\"https:\/\/youtu.be\/rnDcyRxL7LQ\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>webinar de Vivaldi<\/strong><\/a>, realizado por ocasi\u00e3o da primeira tranche, para conheceres mais pormenorizadamente o projeto e as suas principais caracter\u00edsticas.<\/p>\n<p><\/p>\n<p>Tamb\u00e9m podes escrever-nos para <a href=\"mailto:contacto@urbanitae.com\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>contacto@urbanitae.com<\/strong><\/a> 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>Vivaldi III financia a \u00faltima tranche para concluir uma villa de luxo em Sierra Blanca, Marbella, com obra a 80%, hipoteca de primeiro grau, LTV inferior a 44%, 3,7 milh\u00f5es de euros aportados pelo promotor e retorno total de 10,89%.<\/p>\n","protected":false},"author":1,"featured_media":93804,"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":[1014],"class_list":["post-93790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-divida","category-projetos","tag-urbanitae-pt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investir em im\u00f3veis em Marbella: Vivaldi III<\/title>\n<meta name=\"description\" content=\"Descubra como investir em im\u00f3veis em Marbella com Vivaldi III: villa de luxo, obra a 80%, hipoteca de primeiro grau e retorno anual de 10%.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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