Pre-opening | Wecity to Publish the Valencia – La Cañada Project (Phase III) on December 23rd with a 12% Annual Return

22/12/2025 – ⏱ 2 min

This article is for informational purposes only and does not, under any circumstances, constitute investment advice or a recommendation.

Wecity has announced the activation of the third and final phase of the Valencia – La Cañada project, a loan opportunity with a 1st-rank mortgage guarantee on a multi-family residential development located in Paterna (Valencia). The fundraising phase will begin next Tuesday, December 23rd at 4:00 PM (Spain time), with a target amount of €500,000 intended to finalize remaining construction execution costs.

Financial Structure and Yield

This operation stands out as one of the most attractive risk–reward profiles available in December, offering a return well above the average for mortgage-backed debt products:

• Annual Nominal Interest Rate (TIN): 12.0%
• Estimated Term: 2 months
• Estimated Total Return: 2%
• Guarantee: 1st-rank mortgage on the building and construction
• Minimum Investment: €250
• Maximum Investment: €250 during the first 30 minutes

Metric Analysis and Market Positioning

The La Cañada Project (Phase III) distinguishes itself through an exceptionally de-risked structure when compared to other active offerings:

Market-Leading Interest
The 12% TIN places this project above the 10% offered in Urbanitae’s Alcalá 552 and the 11% typically seen in recently analyzed Civislend or Raizers loans. It ranks at the very top of the profitability spectrum for short-term debt products with mortgage guarantees.

Unbeatable Commercial Progress
With 88% of the units pre-sold (16 out of 18 homes), the project significantly outperforms other comparable developments, such as Residencial Intur Panorámico (70%) or the Ronquillo Project (44%). This means capital repayment depends primarily on imminent handovers rather than future sales.

Mitigated Technical Risk
Construction is 86.66% complete, effectively eliminating the uncertainty associated with land acquisition or early-stage development. In addition, buyers have already contributed €1,094,000 in down payments, confirming strong and irreversible market commitment.

Guarantee and LTV
The loan carries an AA Rating, with a Loan-to-Value (LTV) of just 37.58% based on the finished building (HET). This level of coverage is substantially stronger than other benchmark projects such as Laureà Miró 67, which operated with an LTV close to 67%.

Location and Project Overview

The development is located in La Cañada (Paterna), one of the most established and sought-after residential areas in the Valencia metropolitan region, just 10 km from Valencia city center. The project consists of 18 residential units featuring terraces, parking spaces, and storage rooms, set within a green environment that balances tranquility with excellent connectivity.

The investor exit is scheduled for February 18, 2026, coinciding with the delivery of the homes and the completion of the development cycle.

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