WECITY

The real estate sector is reinventing itself thanks to technology and crowdfunding platforms. Today, it is possible to access real estate investments with small amounts and without having to buy an entire property, thanks to models such as crowdfunding and real estate crowdlending.

In this context, Wecity has gained prominence in Spain as a platform that combines both models, offering investors opportunities to participate in projects with different levels of risk and profitability.

In this guide we will see what Wecity is, how it works, its main features, and what its advantages and disadvantages are as an investment tool.

📌 What is Wecity?

Wecity is a Spanish crowdfunding platform focused exclusively on the real estate sector.

Its model allows investors to finance projects from developers and builders, either by lending money (crowdlending) or participating as a partner in the project’s equity (equity crowdfunding).

The company is authorized and supervised by the CNMV and complies with Law 5/2015 on Business Financing Promotion, ensuring a regulated and safe framework.

⚙️ How does Wecity work?

Wecity works through a clear and digital process:

1. Project selection and analysis
   • The Wecity team reviews proposals from developers, evaluating viability, guarantees, and expected returns.
2. Publication on the platform
   • Each project is presented with all relevant information: location, type of investment, term, expected return, risks, and guarantees.
3. Capital contribution by investors
   • Registered users can invest from accessible amounts, usually from €500.
4. Execution and monitoring
   • Once funded, the project is launched and investors receive periodic updates on its progress.
5. Settlement or interest collection
• Depending on the type of investment (equity or loan), the investor will receive profits after the sale or periodic interest during the agreed term.

🏗 Types of investment in Wecity

Wecity offers two main types:

1. Real estate crowdfunding (Equity)

• The investor participates as a partner in the project.
• Profits depend on the capital gain obtained after selling the property.
• Potentially higher returns, but with greater risk and longer terms.

2. Real estate crowdlending (Debt)

• The investor lends capital to the developer in exchange for a fixed interest.
• Defined terms (usually 12–36 months).
• Lower volatility, but more moderate returns.

⭐ Key features of Wecity

• Regulation: Supervised by the CNMV as a crowdfunding platform.
• Minimum investment: Usually from €500.
• Flexibility: Choice between fixed interest or participation in capital gains.
• Diversification: Projects in different locations and market segments.
• Guarantees: Some projects include mortgages or other forms of collateral.
• Digital process: Everything is managed online, from registration to investment.

✅ Advantages of investing in Wecity

• Variety of investment models on the same platform.
• Low entry barrier compared to direct property purchase.
• Official regulation and supervision providing legal security.
• Access to detailed project information before investing.
• Possibility to diversify across multiple operations and asset types.

⚠️ Drawbacks and risks to consider

• Market risk: Changes in the real estate sector may affect timelines and returns.
• Execution risk: Delays or obstacles in construction may impact final results.
• Limited liquidity: Capital is tied up until project completion.
• Non-guaranteed returns: Especially in equity models, where they depend on the final sale.

📊 Ideal investor profile in Wecity

Wecity is recommended for:

• Investors who want to combine investment models (fixed + variable).
• Those looking to enter the real estate market with small capital.
• People with moderate-to-high risk tolerance and a medium-term outlook.
• Those who wish to diversify across several projects and locations.

🏁 Conclusion

Wecity has positioned itself as a versatile platform that allows investors to access real estate opportunities through two complementary models: equity and crowdlending.

Its regulation, transparency of information, and low entry barrier make it an attractive tool for diversification in the sector.

As always, the key is to carefully analyze each project, diversify, and not commit more capital than one is willing to lose.

💡 Final tip: Take advantage of the combination of crowdlending and equity to balance risk and return, and spread your investment across several projects to reduce exposure.