{"id":359,"date":"2025-09-23T22:36:39","date_gmt":"2025-09-24T01:36:39","guid":{"rendered":"https:\/\/seteminutos.org\/seteinvest\/?p=359"},"modified":"2025-09-28T10:58:40","modified_gmt":"2025-09-28T13:58:40","slug":"solcor-solar-social-xvi-projeto-de-energia-solar-social-na-goparity","status":"publish","type":"post","link":"https:\/\/seteminutos.org\/seteinvest\/2025\/09\/23\/solcor-solar-social-xvi-projeto-de-energia-solar-social-na-goparity\/","title":{"rendered":"Solcor Solar Social XVI \u2014 Projeto de Energia Solar Social na Goparity"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"338\" src=\"https:\/\/seteminutos.org\/seteinvest\/wp-content\/uploads\/2025\/09\/paineis-solares-conteudo.jpg\" alt=\"\" class=\"wp-image-360\" srcset=\"https:\/\/seteminutos.org\/seteinvest\/wp-content\/uploads\/2025\/09\/paineis-solares-conteudo.jpg 600w, https:\/\/seteminutos.org\/seteinvest\/wp-content\/uploads\/2025\/09\/paineis-solares-conteudo-300x169.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>Este artigo analisa em detalhe o <strong>Solcor Solar Social XVI<\/strong>, um projeto de crowdlending sustent\u00e1vel promovido pela plataforma Goparity, focado em energia solar para autoconsumo social. Veremos o que ele prop\u00f5e, seus riscos e retornos, as garantias envolvidas, quem \u00e9 o promotor, e para quem pode fazer sentido investir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udd0d Dados essenciais do projeto<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Informa\u00e7\u00e3o<\/th><th>Detalhe<\/th><\/tr><\/thead><tbody><tr><td>Nome do projeto<\/td><td><strong>Solcor Solar Social XVI<\/strong> <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Localiza\u00e7\u00e3o<\/td><td>Arruda dos Vinhos, Portugal <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Promotor<\/td><td>Solcor Portugal \/ Solcorelios II, Unipessoal LDA <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Objetivo de financiamento<\/td><td>entre <strong>\u20ac 50.000<\/strong> e <strong>\u20ac 53.800<\/strong> <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Quantia j\u00e1 financiada<\/td><td>cerca de <strong>\u20ac 15.043,44<\/strong> por ~170 investidores (28%) <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Prazo<\/td><td>10 anos <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Juros anual (taxa de retorno)<\/td><td><strong>5,35% ao ano<\/strong>, com pagamentos semestrais <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Rating de risco<\/td><td>B <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><tr><td>Pagamentos<\/td><td>semestrais <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\udfd7 O que o projeto faz \/ impacto social e ambiental<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Instala\u00e7\u00e3o de central fotovoltaica para autoconsumo na Associa\u00e7\u00e3o Humanit\u00e1ria dos Bombeiros Volunt\u00e1rios de Arruda dos Vinhos, uma entidade com mais de 136 anos de exist\u00eancia. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n\n\n\n<li>A central ter\u00e1 <strong>29,43 kWp<\/strong> de pot\u00eancia, com 54 pain\u00e9is solares de 545 W cada, um inversor de 30 kW, estrutura de suporte, monitoriza\u00e7\u00e3o, etc. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n\n\n\n<li>Produ\u00e7\u00e3o estimada: <strong>~44,4 MWh\/ano<\/strong> de energia limpa. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n\n\n\n<li>Evita emiss\u00e3o de cerca de <strong>2 toneladas de CO\u2082 por ano<\/strong> \u2014 compar\u00e1vel ao efeito de cerca de 88 \u00e1rvores em absorver carbono. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n\n\n\n<li>Substitui\u00e7\u00e3o de cobertura de amianto do telhado por painel sandwich, melhorando sa\u00fade e seguran\u00e7a dos usu\u00e1rios do edif\u00edcio. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2705 Vantagens desse investimento<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendimentos fixos razo\u00e1veis: taxa de <strong>5,35% ao ano<\/strong> durante 10 anos \u00e9 competitiva para projetos de impacto social e energia renov\u00e1vel.<\/li>\n\n\n\n<li>Retorno semestral: permite ao investidor ter cash flow parcial ao longo do tempo (n\u00e3o esperar 10 anos para algo).<\/li>\n\n\n\n<li>Garantias robustas: O projeto oferece <strong>penhor de 1.\u00ba grau dos direitos de cr\u00e9dito<\/strong> do contrato de presta\u00e7\u00e3o de servi\u00e7os com a Associa\u00e7\u00e3o; penhor comercial de 1.\u00ba grau de bens m\u00f3veis j\u00e1 instalados; LTV acima de 100% nas garantias oferecidas. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n\n\n\n<li>Impacto social\/ambiental mensur\u00e1vel: al\u00e9m de retorno financeiro, h\u00e1 benef\u00edcios claros \u2014 menos CO\u2082, sa\u00fade, seguran\u00e7a de infraestrutura.<\/li>\n\n\n\n<li>Operado por empresa com experi\u00eancia (&gt; 650 projetos conclu\u00eddos pelo grupo); credibilidade do promotor \u00e9 um ponto forte. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u26a0\ufe0f Desvantagens e riscos<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prazo longo: 10 anos \u00e9 muito tempo, o que exige paci\u00eancia e toler\u00e2ncia ao risco de longo prazo.<\/li>\n\n\n\n<li>Risco de cr\u00e9dito: embora existam garantias, existe a possibilidade de inadimpl\u00eancia do tomador ou atraso nos pagamentos.<\/li>\n\n\n\n<li>Risco regulat\u00f3rio\/local: quest\u00f5es como leis sobre energia, impostos, mudan\u00e7as futuras no regime de incentivos ou tarifas podem afetar o resultado.<\/li>\n\n\n\n<li>Liquidez baixa: crowdlending normalmente n\u00e3o permite sa\u00edda antecipada f\u00e1cil \u2014 o capital pode ficar \u201ctravado\u201d at\u00e9 o t\u00e9rmino ou venda secund\u00e1ria, se permitido.<\/li>\n\n\n\n<li>Risco de tecnologia \/ opera\u00e7\u00e3o: falhas em equipamentos fotovoltaicos, necessidade de manuten\u00e7\u00e3o, degrada\u00e7\u00e3o dos pain\u00e9is etc.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udca1 Quem pode se beneficiar desse projeto<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investidores com perfil <strong>moderado a consciente de impacto<\/strong>, que buscam rendimentos est\u00e1veis + impacto social\/ambiental.<\/li>\n\n\n\n<li>Quem tem horizonte de investimento longo (pelo menos 5-10 anos) e n\u00e3o precisa da liquidez imediata.<\/li>\n\n\n\n<li>Investidores que querem diversificar al\u00e9m de a\u00e7\u00f5es ou renda fixa tradicional, com ativos de energia renov\u00e1vel.<\/li>\n\n\n\n<li>Pessoas que valorizam investimentos sustent\u00e1veis e desejam ter participa\u00e7\u00e3o em projetos comunit\u00e1rios ou de utilidade p\u00fablica.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"75\" src=\"https:\/\/seteminutos.org\/seteinvest\/wp-content\/uploads\/2025\/09\/go-paraty.jpg\" alt=\"\" class=\"wp-image-362\" srcset=\"https:\/\/seteminutos.org\/seteinvest\/wp-content\/uploads\/2025\/09\/go-paraty.jpg 600w, https:\/\/seteminutos.org\/seteinvest\/wp-content\/uploads\/2025\/09\/go-paraty-300x38.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u2699\ufe0f Viabilidade financeira<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O contrato entre promotor e Associa\u00e7\u00e3o garante que a produ\u00e7\u00e3o energ\u00e9tica e os acordos de autoconsumo cubram os custos operacionais e permitam pagamento aos investidores. <a href=\"https:\/\/goparity.com\/pt-pt\/project\/social-solar-solcor-xvi-544?utm_campaign=79b808ffb7-EMAIL_CAMPAIGN_2020_10_30_08_48_COPY_01&amp;utm_medium=email&amp;utm_source=Goparity&amp;utm_term=0_ac95800770-79b808ffb7-438071425\" target=\"_blank\" rel=\"noreferrer noopener\">goparity.com<\/a><\/li>\n\n\n\n<li>As garantias (direitos de cr\u00e9dito + bens m\u00f3veis) superam o valor financiado, o que melhora a seguran\u00e7a.<\/li>\n\n\n\n<li>Risco-benef\u00edcio: taxa de 5,35% em euro, em ambiente europeu, pode oferecer &lt; risco comparado a algumas alternativas de crowdlending ou d\u00edvida corporativa sem garantia.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udd0d Compara\u00e7\u00e3o com alternativas<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comparando com <strong>ETFs de energia renov\u00e1vel<\/strong>: este projeto oferece impacto local, mas menos liquidez.<\/li>\n\n\n\n<li>Comparando com <strong>a\u00e7\u00f5es ou REITs de energia<\/strong>: pode haver mais volatilidade nesses mercados, enquanto este projeto entrega retorno fixo e previs\u00edvel.<\/li>\n\n\n\n<li>Comparado a CDBs ou t\u00edtulos governamentais: geralmente t\u00eam taxas menores ou risco diferente, mas menor impacto social e menor diversifica\u00e7\u00e3o de risco tecnol\u00f3gico\/regulat\u00f3rio.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83e\udded Considera\u00e7\u00f5es finais<\/h2>\n\n\n\n<p>O <strong>Solcor Solar Social XVI<\/strong> \u00e9 uma proposta muito interessante dentro do universo de <strong>investimentos de impacto sustent\u00e1vel<\/strong>. Oferece uma combina\u00e7\u00e3o entre retorno financeiro fixo, impacto ambiental e social real, e garantias razoavelmente boas.<\/p>\n\n\n\n<p>Para quem tem horizonte de longo prazo, toler\u00e2ncia para projetos menos l\u00edquidos, e interesse em sustentabilidade, pode ser uma boa op\u00e7\u00e3o de diversifica\u00e7\u00e3o. Mas \u00e9 importante diversificar entre v\u00e1rios projetos \u2014 n\u00e3o concentrar muitos recursos em um s\u00f3 \u2014 verificar documenta\u00e7\u00e3o (FIFI, demonstra\u00e7\u00f5es financeiras) e entender os riscos operacionais.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Este artigo analisa em detalhe o Solcor Solar Social XVI, um projeto de crowdlending sustent\u00e1vel promovido pela plataforma Goparity, focado em energia solar para autoconsumo social. Veremos o que ele prop\u00f5e, seus riscos e retornos, as garantias envolvidas, quem \u00e9 o promotor, e para quem pode fazer sentido investir. \ud83d\udd0d Dados essenciais do projeto Informa\u00e7\u00e3o [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":361,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[500,493,491,486,492,516,442,497,60,65,61,312,490,494,488,499,489,496,495,487,498],"class_list":["post-359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-europa","tag-associacao-humanitaria-dos-bombeiros-voluntarios-de-arruda-dos-vinhos","tag-autoconsumo-social","tag-co","tag-crowdlending-sustentavel","tag-eficiencia-energetica","tag-energia-limpa-2","tag-energia-solar","tag-garantias-financeiras","tag-goparity","tag-impacto-ambiental","tag-investimento-de-impacto","tag-investimento-de-longo-prazo","tag-investimentos-verdes","tag-ltv","tag-paineis-fotovoltaicos","tag-portugal","tag-renovaveis","tag-retorno-semestral","tag-risco-de-credito","tag-solcor-solar-social-xvi","tag-sustentabilidade"],"_links":{"self":[{"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/posts\/359","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/comments?post=359"}],"version-history":[{"count":1,"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/posts\/359\/revisions"}],"predecessor-version":[{"id":363,"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/posts\/359\/revisions\/363"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/media\/361"}],"wp:attachment":[{"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/media?parent=359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/categories?post=359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/seteminutos.org\/seteinvest\/wp-json\/wp\/v2\/tags?post=359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}