<img class="ta-insert-video" src="https://img.youtube.com/vi/EvqUcgLaQtY/hqdefault.jpg" ta-insert-video="https://www.youtube.com/embed/EvqUcgLaQtY" contenteditable="false" allowfullscreen="true" frameborder="0"/> This investment project offers an opportunity to invest in a mortgage secured loan. Raised capital will be used for refinancing existing loans. The object of this investment opportunity is a development property,  located at Ozolciema iela 4, Riga, Latvia.Ozolciema iela 4 (project name Dienvidu Pakavs 3) is a land plot with area of 14 978 m2. Development has obtained a building permit, allowing to build 19 644 m2 in two construction phases (above ground Gross Buildable Area, or the GBA), that would consist of up to 232 economy class apartments. The Sponsor to the project is SIA Mezkalna Invest (Latvia), owner of the property located at Ozolciema iela 4, Riga. Founders of SIA Mezkalna Invest have previously funded the acquisition and further development of the same property by Crowdestate investors. 50% of this loan is prematurely returned.With this investment round, Crowdestate investors will refinance the current Crowdestate loan, as the Sponsor predicts a faster price increase for apartments than for construction prices in Riga for the next two years, and therefore sees the opportunity to make the project more profitable by postponing construction by two years. The sponsor is planning to raise EUR 550,000. The duration of this real estate investment opportunity is 24 months with an early partial or full redemption option after 12 months.The Project offers Crowdestate's investors a fixed interest rate of 13,5% p.a. with annual interest payments. The first interest payment is due in 12 months. This real estate investment opportunity is secured by 1st charge mortgage on the Ozolciema iela 4 property. Collateral value is EUR 1.1 million. Loan to value ratio (LTV) in this opportunity is therefore 50%.

Residential real estate investments, 24 months, 13,5% interest p.a.

Mortgage secured real estate investment opportunity

<img class="ta-insert-video" src="https://img.youtube.com/vi/EvqUcgLaQtY/hqdefault.jpg" ta-insert-video="https://www.youtube.com/embed/EvqUcgLaQtY" contenteditable="false" allowfullscreen="true" frameborder="0"/> This investment project offers an opportunity to invest in a mortgage secured loan. Raised capital will be used for refinancing existing loans. The object of this investment opportunity is a development property,  located at Ozolciema iela 4, Riga, Latvia.Ozolciema iela 4 (project name Dienvidu Pakavs 3) is a land plot with area of 14 978 m2. Development has obtained a building permit, allowing to build 19 644 m2 in two construction phases (above ground Gross Buildable Area, or the GBA), that would consist of up to 232 economy class apartments. The Sponsor to the project is SIA Mezkalna Invest (Latvia), owner of the property located at Ozolciema iela 4, Riga. Founders of SIA Mezkalna Invest have previously funded the acquisition and further development of the same property by Crowdestate investors. 50% of this loan is prematurely returned.With this investment round, Crowdestate investors will refinance the current Crowdestate loan, as the Sponsor predicts a faster price increase for apartments than for construction prices in Riga for the next two years, and therefore sees the opportunity to make the project more profitable by postponing construction by two years. The sponsor is planning to raise EUR 550,000. The duration of this real estate investment opportunity is 24 months with an early partial or full redemption option after 12 months.The Project offers Crowdestate's investors a fixed interest rate of 13,5% p.a. with annual interest payments. The first interest payment is due in 12 months. This real estate investment opportunity is secured by 1st charge mortgage on the Ozolciema iela 4 property. Collateral value is EUR 1.1 million. Loan to value ratio (LTV) in this opportunity is therefore 50%.

<img class="ta-insert-video" src="https://img.youtube.com/vi/VxP5QCVI0Do/hqdefault.jpg" ta-insert-video="https://www.youtube.com/embed/VxP5QCVI0Do" contenteditable="false" allowfullscreen="true" frameborder="0"/> Käesolev rahastusprojekt sisaldab endas kinnistu ostuks ja ehitustegevuse ettevalmistamiseks kaasatud kapitali refinantseerimist. Kinnistu asub Lätis, Riias, aadressiga Ozolciema iela 4.Ozolciema iela 4 (projekt nimega Dienvidu Pakavs 3) on elukondliku sihtotstarbega kinnistu kogupinnaga 14 978 m2. Kinnistule on väljastatud ehitusluba, mis lubab ehitada kinnistule 232 korterit maapealse bruto ehitusmahuga 19 664 m2 kahes ehitusetapis. Projekti Sponsor on SIA Mezkalna Invest (Läti), kes on Ozolciema iela 4 kinnistu omanik. SIA Mezkalna Invest omanikud on eelnevalt kaasanud Crowdestate ühisrahastusplatvormil kapitali sama kinnistu ostuks ja ehitusloani viinud tegevuste rahastamiseks. 50% sellest laenust on investoritele ennetähtaegselt tagastatud. Käesoleva investeerimisvooruga rahastavad Crowdestate’in investorid eelneva Crowdestate laenu refinantseerimist, kuna Sponsor prognoosib kohalikul kinnisvaraturul järgmisel kahel aastal korteritele kiiremat hinnatõusu kui ehitushindadele ning näeb seetõttu võimalust projektile teenida suuremat kasumit lükates ehituse algust kahe aasta võrra edasi.Sponsor soovib kaasata investeeringuid kogusummas 550 000 eurot. Projekti pikkuseks on 24 kuud ning Sponsoril on õigus tagastada kaasatud kapital osaliselt või täielikult peale 12 kuu möödumist kapitali kaasamisest. Investoritele pakutakse fikseeritud intressitootlust 13,5% aasta baasil ja intressimakseid tehakse kord aastas. Esimene intressimakse toimub 12 kuu möödudes peale laenulepingu sõlmimist.Investeering on tagatud Ozoliciema iela 4 kinnistule seatava 1. järgu hüpoteegiga. Kinnistu väärtus hindamisakti kohaselt on 1,1 miljonit eurot. Projekti laenu ja tagatisväärtuse suhe (LTV) on seega 50%.

<img class="ta-insert-video" src="https://img.youtube.com/vi/EvqUcgLaQtY/hqdefault.jpg" ta-insert-video="https://www.youtube.com/embed/EvqUcgLaQtY" contenteditable="false" allowfullscreen="true" frameborder="0"/> Questo progetto d’investimento offre l’opportunità di investire in un prestito garantito da ipoteca. Il capitale raccolto servirà a rifinanziare i prestiti attualmente in essere. Il progetto prevede lo sviluppo di un progetto immobiliare ubicato a Riga, in Lettonia, all’indirizzo Ozolciema street 4.Ozolciema 4 è un appezzamento di terreno con una superficie di quasi 15.000 m2. Lo sviluppatore ha ottenuto il permesso di costruire per 232 appartamenti.Lo sponsor del progetto è SIA Mezkalna Invest, proprietaria di questo terreno a Riga.La società Sponsor del progetto ha già raccolto tramite Crowdestate i fondi per finanziare parte dell’acquisto del terreno e dei costi di costruzione. Il 50% del capitale raccolto è già stato rimborsato agli investitori.Il progetto attuale sponsor prevede di raccogliere 550.000,00€. La durata del prestito è di 24 mesi con un’opzione di rimborso anticipato totale o parziale dopo 12 mesi.Il tasso di interesse previsto per gli investitori Crowdestate è fisso e pari al 13,5% su base annua, con pagamento degli interessi ogni 12 mesi. L’opportunità di investimento è garantita da un ipoteca di primo grado sulla proprietà oggetto d’acquisto, dal valore di 1,1 milione di euro.Il rapporto prestito/valore (LTV) per questa opportunità è pari al 50%.

<img class="ta-insert-video" src="https://img.youtube.com/vi/EvqUcgLaQtY/hqdefault.jpg" ta-insert-video="https://www.youtube.com/embed/EvqUcgLaQtY" contenteditable="false" allowfullscreen="true" frameborder="0"/> Этот инвестиционный проект предлагает возможность инвестировать в ипотечный кредит. Привлеченный капитал будет использован для рефинансирования существующих кредитов. Объект проекта – это недвижимость, расположенная на улице Озолциема 4, Рига, Латвия.Озолциема 4 (проект Dienvidu Pakavs 3) представляет собой земельный участок площадью 14 978 м2. Имеется разрешение на строительство, позволяющее построить 19 644 м2 в два этапа (надземная общая площадь, или Gross Buildable Area/GBA), которые будут состоять из 232 квартир эконом-класса.Спонсором проекта является SIA Mezkalna Invest (Латвия), владелец объекта, расположенного по адресу ул. Озолциема 4, Рига. Основатели SIA Mezkalna Invest ранее финансировали приобретение и дальнейшее развитие этой же собственности инвесторами Crowdestate. 50% этого кредита возвращено преждевременно.В рамках этого раунда инвестиций инвесторы Crowdestate будут рефинансировать текущий кредит Crowdestate. Спонсор прогнозирует более быстрый рост цен на квартиры, чем цены на строительство в Риге в течение следующих двух лет, и поэтому видит возможность сделать проект более прибыльным, отложив строительство на два года.Спонсор планирует собрать 550 000 евро. Срок действия этого проекта финансирования составляет 24 месяца с возможностью досрочного частичного или полного погашения через 12 месяцев.Проект предлагает инвесторам Crowdestate фиксированную процентную ставку 13,5% годовых с ежегодными выплатами процентов. Первая выплата процентов должна быть произведена через 12 месяцев.Этот проект инвестирования обеспечивается 1-ой ипотекой на собственность на улице Озолциема 4. Залоговая стоимость составляет 1,1 млн. евро. Таким образом, отношение кредита к стоимости (LTV) в этом проекте составляет 50%.

Rahastuseesmärk:	€ 550000
Oodatav tootlus:	13.5 % aastas
Investeerimisperiood:	18 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Ozolciema iela 4, Rīga

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