With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in a total amount of EUR 160,000 arranged in 1-2 tranches. The 1st tranche of EUR 132,300 was raised in September-October 2022. This will be the 2nd tranche of the investment opportunity in the amount of EUR 27,700.The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure the 2nd tranche of EUR 27,700, the Sponsor is offering 2nd rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, the LTV after the 2nd tranche will be ~53%. The interest rate of the loan is 13% per annum. The loan period is 11 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.

Real estate investment opportunity in Romania for construction financing offering 13% annual interest rate.

Investment opportunity | Campsor Strand P461, Sibiu, Romania (II)

With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in a total amount of EUR 160,000 arranged in 1-2 tranches. The 1st tranche of EUR 132,300 was raised in September-October 2022. This will be the 2nd tranche of the investment opportunity in the amount of EUR 27,700.The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure the 2nd tranche of EUR 27,700, the Sponsor is offering 2nd rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, the LTV after the 2nd tranche will be ~53%. The interest rate of the loan is 13% per annum. The loan period is 11 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.

With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in a total amount of EUR 160,000 arranged in 1-2 tranches. The 1st tranche of EUR 132,300 was raised in September-October 2022. This will be the 2nd tranche of the investment opportunity in the amount of EUR 27,700.The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure the 2nd tranche of EUR 27,700, the Sponsor is offering 2nd rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, the LTV after the 2nd tranche will be ~53%. The interest rate of the loan is 13% per annum. The loan period is 11 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.

<div dir="ltr" style="text-align: left;"><table style="background-color: transparent;color: rgb(70, 77, 86);text-align: left;"><colgroup><col/><col/></colgroup><tbody><tr><td>Käesolevaks investeerimisvõimaluseks on hüpoteegiga tagatud seeniorlaen kokku summas EUR 160,000. Laenu otstarbeks on ehituskulude finantseerimine. Rahastus on korraldatud 1-2 voorus. Käesoleva, järjekorras teise rahastusvooru eesmärgiks on EUR 27,700.</td></tr></tbody></table></div><div dir="ltr" style="text-align: left;">Laenu eesmärgiks on kaasata lisakapitali, mida kasutatakse eramuarendusprojekti ehituskulude rahastamiseks. Arendusprojekt asub </div><div dir="ltr" style="text-align: left;"><table><tbody><tr><td>12 Tractorului tn., Sibiu, Rumeenia. Käesoleva rahastusvooru summaks on 27,700 eurot. Laenu tagatiseks pakub Sponsor 2. jrk. hüpoteeki arenduskinnisvarale Sibius, kinnistute suurus kokku 4,500 m2. Lisatud hindamisaktide kohaselt on nende kinnisvara tagatiste hinnanguline turuväärtus 297,000 eurot. Sellest lähtuvalt on käesoleva rahastusvooru laenu ja tagatisvara suhteks (LTV) ca. 53%.Selle rahastusvooru intressimäär on 13% aastas. Laenuperioodiks on 11 kuud, kusjuures Sponsoril on õigus laenu kuni 6 kuu ulatuses pikendada. Pikendusperioodi vältel on intressimäär 2% võrra kõrgem.Laenusumma tagastatakse laenuperioodi lõpus. Intressi makstakse kord kvartalis. Laenu tagastamise allikateks on arendatavate korterite müügist tekkiv rahavoog, tagatisvara müük, Sponsori muu vara müük või refinantseerimine.</td></tr></tbody></table></div>

With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in a total amount of EUR 160,000 arranged in 1-2 tranches. The 1st tranche of EUR 132,300 was raised in September-October 2022. This will be the 2nd tranche of the investment opportunity in the amount of EUR 27,700.The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure the 2nd tranche of EUR 27,700, the Sponsor is offering 2nd rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, the LTV after the 2nd tranche will be ~53%. The interest rate of the loan is 13% per annum. The loan period is 11 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.

Prin intermediul acestei oportunitati de investitie, investitorii Crowdestate vor avea oportunitatea de a investi intr-un imprumut punte, securizat cu ipoteca imobiliara, in suma totala de 160.000 EUR acordat în 1-2 transe. Prima transa in suma de 132.300 EUR a fost finantata în Septembrie-Octombrie 2022. Aceasta va fi a doua transa de finantare in cadrul proiectului in suma de 27.700 EUR.Scopul imprumutului este asigurarea capitalului suplimentar necesar pentru lucrarile de constructie aflate în derulare pentru proiectul rezidential situat in Mun. Sibiu, Str. Tractorului, nr. 12, Jud. Sibiu, Romania. Pentru a garanta a doua trasa in valoare de 27.700 EUR, Sponsorul ofera ipoteca de rangul 2 pe un lot de teren, care va fi utilizat de catre Sponsor pentru dezvoltarea unui viitor proiect rezidential, in suprafata totala de 4.500 mp situat in continuarea cartierului Strand, din orasul Sibiu. Conform raportului de evaluare atasat, valoarea de piata minima a lotului de teren este de 297.000 EUR (raport intocmit de Neoconsult Valuation Romania). Prin urmare, vom avea un  LTV maxim de 53%.Rata dobanzii este de 13% pe an. Durata investitiei pentru acest imprumut este de 11 luni, Sponsorul avand dreptul de a prelungi perioada cu alte 6 luni, daca va fi cazul.  Daca Sponsorul isi foloseste dreptul de a prelungi perioada imprumutului, rata dobanzii va creste cu 2% pentru perioada prelungita.Plata principalului se va face la finalul perioadei imprumutului. Dobanda va fi platita trimestrial de catre Sponsor.Platile se vor face din vanzarea apartamentelor la finalizarea acestora, eventuala vanzare a lotului de teren adus in garantie,  vanzarea altor active/terenuri detinute de companie,  refinantare de la o banca locala sau alt creditor sau din profitul aferent activitatii operationale ale companiei.

With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in a total amount of EUR 160,000 arranged in 1-2 tranches. The 1st tranche of EUR 132,300 was raised in September-October 2022. This will be the 2nd tranche of the investment opportunity in the amount of EUR 27,700.The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure the 2nd tranche of EUR 27,700, the Sponsor is offering 2nd rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, the LTV after the 2nd tranche will be ~53%. The interest rate of the loan is 13% per annum. The loan period is 11 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.

Finanzierungsziel:	€ 27700
Erwartete Rendite:	13 % pro Jahr
Anlagedauer:	17 monate
Risikokategorie:	A Modell zur Risikobewertung
LTV:	Geringes Risiko %
Capital stack:	Gesichertes Darlehen

Strand Campsor P461, Sibiu (II)

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