The goal for this opportunity is to finance the construction of 4 individual houses on a total land of 2236 sqm, situated at 15 Zori de zi street, Balotesti, Ilfov county, Romania. Crowdestate investors will have the opportunity to invest in a mortgaged secured senior construction loan (for more information regarding senior debt, please check out this blog post - <a href="https://blog.crowdestate.eu/en/2020/secured-loan-definition/">https://blog.crowdestate.eu/en/2020/secured-loan-definition/</a>) in a total amount of EUR 440,000, arranged in 3-4 tranches, based on the progression of works and the presales. The first tranche of EUR 170,000 was raised in March 2022. This is the 2nd tranche of the investment opportunity for EUR 145,000. The source of reimbursement will be the sale of the houses when finalized. At this moment, 2 houses out of the total 4 houses of the 1st phase are pre-contracted and expected to be delivered between September 2022 - October 2022. The second possible source of reimbursement can be refinancing from one of the banks operating in Romania.  The investment tenor for this tranche is up to 10 months. The interest rate is 13% p.a. and it will be paid upon the selling of the objective, partially or in whole, together with the principal, but no later than the loan’s maturity. The loan will be secured with a 2nd rank mortgage on the land and future buildings (the 1st rank mortgage is in favor of the 1st tranche investors). The land &amp; existing structures of the first 4 houses, that are in various stages of development at this moment, have been evaluated for EUR 577,519 by SVN Research &amp; Evaluation Advisors, therefore the LTV after this 2nd tranche is ~54%.

Real estate investment opportunity in Romania for property development, secured by residential land plots and existing constructions and offering 13% annual interest rate.

Investment opportunity | Romanian Village 15, Balotesti, Ilfov, Romania (II)

The goal for this opportunity is to finance the construction of 4 individual houses on a total land of 2236 sqm, situated at 15 Zori de zi street, Balotesti, Ilfov county, Romania. Crowdestate investors will have the opportunity to invest in a mortgaged secured senior construction loan (for more information regarding senior debt, please check out this blog post - <a href="https://blog.crowdestate.eu/en/2020/secured-loan-definition/">https://blog.crowdestate.eu/en/2020/secured-loan-definition/</a>) in a total amount of EUR 440,000, arranged in 3-4 tranches, based on the progression of works and the presales. The first tranche of EUR 170,000 was raised in March 2022. This is the 2nd tranche of the investment opportunity for EUR 145,000. The source of reimbursement will be the sale of the houses when finalized. At this moment, 2 houses out of the total 4 houses of the 1st phase are pre-contracted and expected to be delivered between September 2022 - October 2022. The second possible source of reimbursement can be refinancing from one of the banks operating in Romania.  The investment tenor for this tranche is up to 10 months. The interest rate is 13% p.a. and it will be paid upon the selling of the objective, partially or in whole, together with the principal, but no later than the loan’s maturity. The loan will be secured with a 2nd rank mortgage on the land and future buildings (the 1st rank mortgage is in favor of the 1st tranche investors). The land &amp; existing structures of the first 4 houses, that are in various stages of development at this moment, have been evaluated for EUR 577,519 by SVN Research &amp; Evaluation Advisors, therefore the LTV after this 2nd tranche is ~54%.

Käesoleva investeerimisprojekti eesmärgiks on rahastada 4 eramu ehituskulusid. Kinnistud asuvad Bukaresti eeslinnas, Zori de zi tänav 15, Balotesti asulas, Ilfovi maakonnas, Rumeenias. Crowdestate’ investoritel on  võimalus investeerida hüpoteegiga tagatud arenduslaenu kujul kokku summas EUR 440,000. Rahastus korraldatakse 3-4 rahastusvooru kaudu, vastavalt ehitustööde edenemisele ja ettemüügile. Käesoleva, 2. rahastusvooru eesmärgiks on kaasata EUR 145,000.Laenu tagastamise allikaks on lõpetatud majade müügist saadav tulu. Hetkel on 1. etapi 4 majast 2 maja eelleping sõlmitud ja Eeldatavasti lõpevad ehitustööd 2022. a. Septembris-oktoobris. Alternatiivseks võimaluseks on lõpetatud majade refinantseerimine pangalaenu abil. Laenuperioodiks on 10 kuud. Intressimääraks on 13% aasta baasil. Regulaarseid intressimakseid ei tehta. Laenu põhisumma ja kogunenud intressid makstakse välja kas laenuperiodi lõpus või vastavalt majade müügile.Laenu tagatisvaraks on arendatavad kinnistud. 4 kinnistu pindala kokku on 2236 m2. Arendatavad majad on erinevates ehitusjärkudes. Vastavalt hindamisaktile on arenduse väärtuseks praeguses faasis EUR 577,519, moodustades LTV ~54%.

Obiectivul acestei oportunitati de investitie este finantarea constructiei a 4 case individuale pe 4 loturi de teren in suprafata totala de 2236 mp situat in Balotesti, Str. Zori de zi, nr. 15, Jud. Ilfov, Romania. Investitorii Crowdestate vor avea oportunitatea de a investi intr-un imprumut senior pentru constructie in suma totala de 440.000 EUR, acordat în 3-4 transe, in functie de progresul lucrarilor si de avansurile incasate. Prima transa de EUR 170.000 a fost finantata in Martie 2022. Aceasta este a doua transa a proiectului fiind in valoare de EUR 145.000.Sursa de rambursare va fi vânzarea caselor  la momentul finalizarii acestora.  La data prezentei,  2 case din totalul celor 4 case aferente primei faze a proiectului sunt pre-contractate si se asteapta ca finalizarea acestora sa se realizeze in perioada Septembrie - Octombrie 2022. A doua posibila sursa de rambursare poate fi refinantarea prin intermediul unei banci din România. Durata investitiei pentru aceasta transă este de pana la 10 luni. Rata dobânzii este de 13% pe an si va fi platita la vânzarea obiectivului, partial sau integral, impreuna cu principalul, dar nu mai tarziu de maturitatea creditului. Imprumutul va fi garantat cu ipoteca de rang 2 pe teren si constructiile viitoare (ipoteca de rang 1 este înscrisa in favoarea investitorilor Crowdestate care au finantat transa 1). Terenul si constructiile existente ale primelor 4 case, care se afla în diverse stadii de dezvoltare au fost evaluate pentru suma de 577.519 EUR de catre SVN Research &amp; Evaluation Advisors, prin urmare LTV-ul dupa aceasta a 2 a va fi de ~54%.

Oportunitate investitie pe piata imobiliara - 4 case individuale in Balotesti, Ilfov, Romania

Oportunitate investitie pe piata imobiliara - 4 case individuale in Balotesti, Ilfov, Romania (II)

The goal for this opportunity is to finance the construction of 4 individual houses on a total land of 2236 sqm, situated at 15 Zori de zi street, Balotesti, Ilfov county, Romania. Crowdestate investors will have the opportunity to invest in a mortgaged secured senior construction loan (for more information regarding senior debt, please check out this blog post - <a href="https://blog.crowdestate.eu/en/2020/secured-loan-definition/">https://blog.crowdestate.eu/en/2020/secured-loan-definition/</a>) in a total amount of EUR 440,000, arranged in 3-4 tranches, based on the progression of works and the presales. The first tranche of EUR 170,000 was raised in March 2022. This is the 2nd tranche of the investment opportunity for EUR 145,000. The source of reimbursement will be the sale of the houses when finalized. At this moment, 2 houses out of the total 4 houses of the 1st phase are pre-contracted and expected to be delivered between September 2022 - October 2022. The second possible source of reimbursement can be refinancing from one of the banks operating in Romania.  The investment tenor for this tranche is up to 10 months. The interest rate is 13% p.a. and it will be paid upon the selling of the objective, partially or in whole, together with the principal, but no later than the loan’s maturity. The loan will be secured with a 2nd rank mortgage on the land and future buildings (the 1st rank mortgage is in favor of the 1st tranche investors). The land &amp; existing structures of the first 4 houses, that are in various stages of development at this moment, have been evaluated for EUR 577,519 by SVN Research &amp; Evaluation Advisors, therefore the LTV after this 2nd tranche is ~54%.

Finanzierungsziel:	€ 145000
Erwartete Rendite:	13 % pro Jahr
Anlagedauer:	13 monate
Risikokategorie:	B Modell zur Risikobewertung
LTV:	Geringes Risiko %
Capital stack:	Gesichertes Darlehen

Romanian Village 15, Balotești (II)

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