Préstamo a planta solar de Teruel para construir vivienda social en Brasil - Fase 2 - Segorsolar

Energy

Status: Investing

Remaining days: 1 day

Amount : 110.000€

Yearly interest: 4,50%

monthly instalments: 48

Investors: 213


93% 93%

Positive impact generated

Construction of social housing in Brazil, through a collective loan to a photovoltaic plant in operation in Teruel (Spain).

Project summary

Collective loan to a photovoltaic plant in operation in Teruel (Spain). The loan is guaranteed by the pledge of the power sale contract to the energy distribution company.

The funds will be used, by the owners of the plant, for the construction of social housing in Brazil, within the state program "Minha casa, minha vida".


Project description:

SEGORSOLAR SL is the owner of a photovoltaic plant of 99 KWp in Cella (Teruel) which has been in operation since 2008. The company has requested a collective loan through Ecrowd!, of which the funds will be used by its owners for the construction of social housing in Brazil, under the state program "Minha casa, minha vida".
This collective loan will be guaranteed by the income produced by the solar installation, through a "pignoración" or pledge of the credit rights of the energy sales contract to the energy company, Fenie Energía.














What should I do to participate in this collective loan?:

- Register on the Ecrowd! website and upload a copy of your ID (or NIE + passport), current and on both sides, in .pdf or .jpg format, in the "My profile" section.

- Learn about the details of the collective loan in the "Investment guide" page of the project.

- Decide the amount of your investment (minimum of €50, and maximum of € 3,000 for non-accredited investors) and the payment procedure.

- Invite all your friends to also participate in the project, so that it will be sooner completed.


This company has requested on one other occasion the financing of projects in Ecrowd!. Before investing in this project, check if you have previously lent to this company, in order to adjust the diversification of your investment portfolio.

Days of publication of the project on the platform: 36, expandable to 45 if the minimum necessary amount of 90% is not reached to formalize the loan indicated by the current legislation on Participatory Financing Platforms in Spain.


About the Segorsolar solar plant:

The solar plant has a power of 99kWp and consists of 10 trackers of the Spanish brand MecaSolar MS Tracker 10+ of double axis with 66 Wuxi Guofei modules of 150Wp each. Each tracker 3 SMA Sunnyboy 3300 inverters of 3.3kWn.

The facility is located in the municipality of Cella (Teruel), and is part of a set of 360 kWp in total.

The installation has been in operation since 2008. The last inspection carried out by the National Commission of Markets and Competition (CNMC) was carried out on 11/4/2018, with positive result.

The income of the plant is set by royal decree RD413/2014. According to this decree, the plant is classified as type IT-00058, which means it will get a fixed monthly retribution for the investment of 56.723583 €/kW and a retribution for the generated energy of 0.034305 €/kWh. Therefore, the plant receives a fixed compensation of € 5.615,63/month plus the compensation for the produced produced. Condition to receive the remuneration is that the plant produces a minimum of 72,468kWh of energy yearly (until the last known invoice of 2018, November, the plant has produced 143,649kWh).

The plant will continue receiving this regulated retribution until the end of its useful life, which according to RD14/2010 is 28 years, that is until 2036. At the end of the loan, there are still 9 years of fixed compensation.















OAK INTERNATIONAL FINANCE GROUP - (OAKIF GROUP)

The owners of SEGORSOLAR SL, are also partners of OAKIF, which has developed several social housing construction projects under the state program Minha Casa, Minha Vida in the Natal area in northeastern Brazil. The OAKIF group obtains funds from investors and promotes the construction of homes to be sold at a limited price with the support of the Brazilian government program.

The "Minha Casa, Minha Vida" program

This government program (which name means "My House, My Life") was launched in 2009 as an attempt to solve the housing deficit problem in Brazil. Since then, the program has helped millions of people to acquire a property, at an officially limited price, and is also an important stimulus for the Brazilian construction and economy sector.

The Minha Casa, Minha Vida (MCMA) program was created in 2009 by the Federal Government with the objective of providing affordable housing access conditions for both urban and rural areas. The program works by providing both subsidies and low cost finance to people earning less than three times the minimum wage which enables them to purchase these new affordable homes. Although providing finance for homebuyers, the Brazilian government does not directly fund construction, which is entirely in the hands of independent property developers.  This is where Oak International Finance plays its part by developing projects and selling their houses to those who qualify for the subsidized finance.

Caixa Economica Federal Bank, the 2nd largest state owned financial institution in South America, was appointed to oversee the program and to manage the finance. However, demand has been so great that Banco do Brasil has now been incorporated to assist with the finance management. The program has been hugely successful, by helping to relocate over 4.4 million of Brazil’s poorest families to date, with the ultimate aim of providing 24 million new homes in the coming years, to cope with the ever increasing demand.

Over 80% of Brazil’s population, which is now in excess of 200 million people, qualify for this program under the strict financial criteria.




Project location




Ecrowd! does not charge any commission on your investments or received interest.
The received interest will be subject to the applicable withholding tax.

Ecrowd! is a regulated crowdlending operator (Plataforma de Financiación Participativa) with a licence from the Spanish Financial Authority (CNMV).

Ecrowd! is not an investment services company or credit institution and does not participate in any investment guarantee fund or deposit guarantee fund. The investment projects presented on this platform are not subject to authorization or prior supervision by the CNMV or the Bank of Spain, and the information provided by the developers has not been reviewed by these institutions. All funds are deposited on the electronic payments platform LemonWay payment, which is registered with Bank of Spain. The performance of your portfolio depends on the success of each individual project. There is a risk of total or partial loss of the invested capital, not obtaining the expected financial return and limited liquidity. Carefully read the detailed project information before commiting to any investment. By investing in this project, you expressly state you have received, read and accepted the general conditions of Ecrowd! Diversification is the optimal strategy for managing your investment portfolio.

More information: how to invest with Ecrowd!




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Investors

Ferran

4.475€

Mercedes

3.000€

Marc

3.000€

Andrés

3.000€

Benjamin

3.000€

Francis

3.000€

Marc

3.000€

Jordi

3.000€

Jaume

3.000€

Joaquim

2.500€

Jose

2.500€

Andrés

2.000€

Mikel

2.000€

Jordijono

2.000€

Pol

2.000€

Carlos

2.000€

Tomás

2.000€

Miguel Ángel

1.650€

Albert

1.625€

Alessio

1.500€

José

1.500€

Rafael

1.200€

Rosa

1.000€

Juan Pedro

1.000€

Víctor

1.000€

Javier

1.000€

Nuria

1.000€

Jaume

1.000€

Juan Carlos

1.000€

Josep Maria

1.000€

Jacinto

975€

Miguel

825€

Jose

800€

Gerard

800€

Pedro

750€

Roberto

750€

Jorge

725€

Joaquim

675€

Alberto

650€

David

600€

Jordi

550€

Pedro

525€

Romulo

500€

Martí

500€

Heike

500€

Guillem

500€

Javier

500€

Laura

500€

Rosa

500€

Jose

500€

Guillermo

500€

Pol

500€

José Antonio

500€

Jesús M.

500€

Hector

500€

Xavier

500€

Francesc Josep

500€

Hugo

500€

Laura

500€

Pablo

500€

José Antonio

500€

Daniel

500€

Iñigo

500€

Aaron

500€

Xavier

400€

Ermen

400€

Enric

400€

Quim

400€

Gil

400€

Francisco

400€

Juan Carlos

375€

Ruben

350€

Aleix

350€

Jose Alberto

350€

Claudio

350€

Mariano

350€

Mihai

300€

Matthieu

300€

Florencio

300€

Raúl

300€

Jorge

300€

Carlos

300€

Thais

275€

Enrique

275€

Cristina

250€

Jordi

250€

Jon B.

250€

Marta

250€

María

250€

Eulogio

250€

Miguel

250€

Leo

250€

Gorka

200€

Rafael

200€

Pablo

200€

Eñaut

200€

Lurdes

200€

Manel

200€

Antonio

200€

Lorena

200€

Enric

200€

Joan

200€

Victoria

200€

David

200€

Diego

200€

Alicia

200€

Jesús

200€

Joan Anton

200€

Álvaro

200€

Manuel

200€

Miquel Angel

200€

Toni

200€

Joan

200€

Roberto

175€

Ignacio

175€

Alberto

150€

Armand J.

150€

Agustin

150€

Anna

150€

Juan

150€

Víctor M.

150€

Angel

150€

Juan Luis

150€

Noelia

150€

Joaquin

150€

Jaime

125€

Maria Angeles

125€

Emilio

125€

Marian

125€

Eloy

125€

Francisco Javier

125€

Josep

125€

Alberto

125€

Ricardo

125€

Florencio

125€

Joan Marc

100€

Ivan

100€

Xabier

100€

Iñigo

100€

Alejandro

100€

Borja

100€

David

100€

Marcel

100€

Luis

100€

Jose

100€

M. Carmen

100€

Alejandro

100€

Jesús

100€

Francesc

100€

Cristina

100€

Samuel Christian

100€

Ricardo

100€

Antonio José

100€

Daniel

100€

Ismael

100€

Héctor

100€

Víctor Gelasio

100€

Marc

100€

Enrique

100€

Maria del Pino

100€

Guillem

100€

Alejandro

100€

Dani

100€

Jordi

100€

Blai

100€

Gonzalo

75€

Alvaro

75€

Jordi

75€

Pedro

75€

Jose Luis

75€

Jordi

75€

Luis

75€

Gemma

75€

Ana

50€

Xosé Afonso

50€

Maribel

50€

Ángel

50€

Adrián

50€

Jordi

50€

José Luis

50€

Llorenç

50€

Sergi

50€

Alfonso

50€

Rafael

50€

Diana

50€

Raúl

50€

Albert

50€

Jacobo Manuel

50€

Esteban

50€

Manuel

50€

Javier

50€

Marta

50€

Lorena

50€

Xavier

50€

Júlia

50€

Julio Alberto

50€

Sergi

50€

Nil

50€

Jordi

50€

Adrià

50€

Aitor

50€

Fernando

50€

Sergio

50€

Pablo

50€

Eva

50€

Adrian

50€

Mar

50€

Marc

50€

Daniel

50€

Vanina

50€

Jesús Maria

50€

Lluís

50€

Josep

50€

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