The Sponsor is building one-family houses at Hirve str. 3, Marali str 9, Vääna municipality, Harku parish, Harju country. The project is located 30 min away by car from the Tallinn city centre. Sponsor asks for financing the project construction costs in total amount of EUR 166,000. The project financing is organized in several funding rounds. The amount of the fourth round is EUR 25,000.  Loan will be used to finance the construction of Hirve str 3, 8 and Marali str. 9 one family houses. The loan is secured by a first-rank mortgage on Hirve str. 3, Marali str. 9, Vääna municipality, Harku parish immovables with a net market value of  EUR 194,400 according to valuation report and completed construction works confirmed by construction supervision. The current LTV of the project is 63%. The maximum planned LTV during the project is 70%.All two houses at Hirve str 3, Marali str. 9 have been pre-sold with notarised agreements. All houses are architecturally identical and have a living area of ​​99 m2. Construction is in progress: Hirve str. 3 one-family house is 65% completed, Hirve str. 8 one-family house is 100% completed and Marali str.9 one-family house is 48% completed.Loan period is 6 months and interest rate is 8,5% on an annual basis. Interest is paid as a lump sum at the end of the loan period or when the apartments are sold.The sales price of all three houses  is EUR 459,000.

Real estate investment opportunity in Estonia for property development offering 8,5% annual interest rate

Real estate investment | Väänamõisa

The Sponsor is building one-family houses at Hirve str. 3, Marali str 9, Vääna municipality, Harku parish, Harju country. The project is located 30 min away by car from the Tallinn city centre. Sponsor asks for financing the project construction costs in total amount of EUR 166,000. The project financing is organized in several funding rounds. The amount of the fourth round is EUR 25,000.  Loan will be used to finance the construction of Hirve str 3, 8 and Marali str. 9 one family houses. The loan is secured by a first-rank mortgage on Hirve str. 3, Marali str. 9, Vääna municipality, Harku parish immovables with a net market value of  EUR 194,400 according to valuation report and completed construction works confirmed by construction supervision. The current LTV of the project is 63%. The maximum planned LTV during the project is 70%.All two houses at Hirve str 3, Marali str. 9 have been pre-sold with notarised agreements. All houses are architecturally identical and have a living area of ​​99 m2. Construction is in progress: Hirve str. 3 one-family house is 65% completed, Hirve str. 8 one-family house is 100% completed and Marali str.9 one-family house is 48% completed.Loan period is 6 months and interest rate is 8,5% on an annual basis. Interest is paid as a lump sum at the end of the loan period or when the apartments are sold.The sales price of all three houses  is EUR 459,000.

Sponsor ehitab Vääna külas kolm ühepereelamut aadressil Hirve tee 3, Marali tee 9, Vääna küla, Harku vald. Projekt asub Tallinna kesklinnast 30 minutilise autosõidu kaugusel.Sponsor soovib investoritelt kaasata hüpoteegiga tagatud laenu kogu summas 166 000 eurot. Projekti rahastamine on korraldatud mitmes rahastamisvoorus. Neljanda rahastusvooru summa on 25 000 eurot. Laenu kasutamise eesmärgiks on projekti ehituskulude finantseerimine. Laenu tagatiseks seatakse 1. järjekoha ühishüpoteek Hirve tee 3, Marali tee 9 kinnistutele hinnatud turuväärtuses 194 400 eurot (hindamisakt + omanikujärelevalve poolt kinnitatud ehitustööd). Projekti kehtiv LTV on 63%. Maksimaalne LTV projekti kehtivuse aja jooksul on 70%. Kõik kaks Hirve tee 3, Marali tee 9 ühepereelamut on juba võlaõiguslepingutega müüdud. Kõik hooned on identse planeeringuga ja iga maja elamispind on 99 m2. Ühepereelamute ehitus on alanud: Hirve tee 3 valmidusaste on 65%, Marali tee 9 valmidusaste on 48%.Laenuperiood on 8 kuud (kuni 30.06.2022) ja intress 8,5% aasta baasil. Intress makstakse ühekordse maksena laenuperioodi lõpus või valmis paariselamu korterite müügist. Kõike kolme ühepereelamute müügihind kokku on 459 000 eurot.

Ühepereelamute ehituse finantseerimine, Harku vallas, laenuintress 8,5% aasta baasil

Rahastuseesmärk:	€ 25000
Oodatav tootlus:	8.5 % aastas
Investeerimisperiood:	1 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Hirve tee 3, 8 / Marali tee 9, Vääna (IV)

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