The purpose of this current investment opportunity is to finance construction of one-family house project at Paevälja str. 16, Lubja municipality, Viimsi parish, Harju country, Estonia. The project is located 20 min away by car from the Tallinn city centre and close to highly valued district Pirita (Tallinn) and Viimsi centre with developed infrastructure. This is the Sponsor's first project, which is plan to finance through Crowdestate platform. Investors will be offered an opportunity to finance the construction of one-family house in total amount of EUR 350,000 with several investment rounds. The construction costs in amount of EUR 250,000 will be financed according construction supervision acts and the last EUR 100,000 will be financed after signing the notarised pre-sale agreement with the buyer. The amount of the first round is EUR 120,500. Construction is in progress - the foundation of one house is ready and construction of walls has begun. The construction deadline is Summer 2022. The fixed interest rate is 10% p.a. There are no periodical interest payments. The investment period is up to 12 months. The Sponsor has the right to extend the loan period for 4 month with the interest rate of 12% per annum for the extension period.House residential area is 171,8 m2 . The house price is EUR 650,000 with tax. The final price will be adjusted according the demand and after the sales offer has been published to the real estate portal.The loan is secured by a first-rank mortgage on residential land plot at Paevälja str. 16, Lubja municipality, Viimsi parish, Harju county.According to the evaluation report, the current value of the land plot with incomplete building is EUR 284,000 w/o tax. For the project risks mitigation we use cost based LTV. Accordung to the land purchase value and completed construction costs price, the the cost based ratio of the current liabilities and collateral value (LTV) is 62%. Max. cost based LTV during the project will be 80%.

Real estate investment opportunity in Estonia for property development offering 10% annual interest rate.

Investment opportunity | Paevälja 16, Viimsi

The purpose of this current investment opportunity is to finance construction of one-family house project at Paevälja str. 16, Lubja municipality, Viimsi parish, Harju country, Estonia. The project is located 20 min away by car from the Tallinn city centre and close to highly valued district Pirita (Tallinn) and Viimsi centre with developed infrastructure. This is the Sponsor's first project, which is plan to finance through Crowdestate platform. Investors will be offered an opportunity to finance the construction of one-family house in total amount of EUR 350,000 with several investment rounds. The construction costs in amount of EUR 250,000 will be financed according construction supervision acts and the last EUR 100,000 will be financed after signing the notarised pre-sale agreement with the buyer. The amount of the first round is EUR 120,500. Construction is in progress - the foundation of one house is ready and construction of walls has begun. The construction deadline is Summer 2022. The fixed interest rate is 10% p.a. There are no periodical interest payments. The investment period is up to 12 months. The Sponsor has the right to extend the loan period for 4 month with the interest rate of 12% per annum for the extension period.House residential area is 171,8 m2 . The house price is EUR 650,000 with tax. The final price will be adjusted according the demand and after the sales offer has been published to the real estate portal.The loan is secured by a first-rank mortgage on residential land plot at Paevälja str. 16, Lubja municipality, Viimsi parish, Harju county.According to the evaluation report, the current value of the land plot with incomplete building is EUR 284,000 w/o tax. For the project risks mitigation we use cost based LTV. Accordung to the land purchase value and completed construction costs price, the the cost based ratio of the current liabilities and collateral value (LTV) is 62%. Max. cost based LTV during the project will be 80%.

Antud investeerimisvõimaluse eesmärk on finantseerida aadressil Paevälja tee 16, Lubja küla, Viimsi vald, Harjumaa, Eesti asuvat ühepereelamu ehituskulud. Projekt asub Tallinna kesklinnast autoga 20 minuti kaugusel ja on arenenud infrastruktuuriga Viimsi elamurajoonis, Viimsi keksuse vahetus läheduses. See on Sponsori esimene projekt, mida plaanitakse rahastada Crowdestate platvormi kaudu.Investoritele pakutakse mitme rahastamisvooruga võimalust rahastada ühepereelamu ehitamist kogusummas 350 000 eurot. Projekti ehituskulud summas 250 000 eurot finantseeritakse omanikujärelevalve poolt kinnitatud ehitusaktide vastu. Viimased 100 000 eurot finansteeritakse ka omanikujärelevalve poolt kinniattud ehitusakti vastu eeldusel, et ostjaga on sõlmitud võlaõigusleping. Esimese rahavooru suuruseks on 120 500 eurot. Ehitamine on hetkel pooleli - ühe maja vundament on valmis ja seinte ehitamine on alustatud. Ehituse tähtaeg on 2022 aasta suvi.Fikseeritud intressimäär on 10% aastas. Perioodilisi intressimakseid ei ole. Investeerimisperiood on kuni 12 kuud. Sponsoril on õigus perioodi pikendada üks kord 4 kuu võrra. Pikendusperioodi intress 12% aastas.  Ühepereelamu suurus on 171,8 m2. Maja käibemaksuga müügihind on 650 000 eurot. Müügihind korrigeeritakse peale müügikuulutuse avaldamist ja vastavalt ostjate huvidele.Laenu tagatis on esimese järgu hüpoteek elamumaa krundile aadressil Paevälja tee 16, Lubja küla, Viimsi vald, Harjumaa.Hindamisaktide kohaselt on Paevälja tee 16 krundi hetkeväärtus 284 000 eurot (ilma käibemaksuta). Projekti riskide vähendamiseks laenu ja tagatisvara väärtuse suhe arvutamisel lähtume projekti tegelikkest kuludest. Selle kohaselt on antava laenu ja tagastisvara väärtuse suhe  (LTV) 62%. Maksimaalne kulude põhine LTV projekti kehtivuse ajal on planeeritud 80%.

Rahastuseesmärk:	€ 120500
Oodatav tootlus:	10 % aastas
Investeerimisperiood:	5 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Paevälja 16, Lubja (I)

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