The Sponsor is building one-family house at Pesapuu str. 11, Meremõisa municipality, Lääne-Harju 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 and release of capital in total amount of EUR 170,000. The construction price is EUR 154,000 w/o VAT. The project financing is organized in several funding rounds. The amount of the second round is EUR 50,000.  Loan will be used to finance the construction of Pesapuu str. 11 one family house. The loan is secured by a first-rank mortgage on Pesapuu Str. 11 property. The market value of the property in January 2022 was 164,000 euros (appraisal report + construction works approved by the owner supervision). Today, the construction work is in final stage - the interior finishing work is underway. The estimated future value, when all work has been completed, is 280,000 euros without VAT. The ratio of the loan principal to the market value of the completed house (LTV) is up to 60.7%.The living area of the house is 109.5 m2. There is no pre-sale agreement signed. The plot owner is a private person.Loan period is 10 months and interest rate is 10% on an annual basis. Interest is paid as a lump sum at the end of the loan period or when the house will be sold.

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

Real estate investment | Meremõisa

The Sponsor is building one-family house at Pesapuu str. 11, Meremõisa municipality, Lääne-Harju 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 and release of capital in total amount of EUR 170,000. The construction price is EUR 154,000 w/o VAT. The project financing is organized in several funding rounds. The amount of the second round is EUR 50,000.  Loan will be used to finance the construction of Pesapuu str. 11 one family house. The loan is secured by a first-rank mortgage on Pesapuu Str. 11 property. The market value of the property in January 2022 was 164,000 euros (appraisal report + construction works approved by the owner supervision). Today, the construction work is in final stage - the interior finishing work is underway. The estimated future value, when all work has been completed, is 280,000 euros without VAT. The ratio of the loan principal to the market value of the completed house (LTV) is up to 60.7%.The living area of the house is 109.5 m2. There is no pre-sale agreement signed. The plot owner is a private person.Loan period is 10 months and interest rate is 10% on an annual basis. Interest is paid as a lump sum at the end of the loan period or when the house will be sold.

Sponsor ehitab Meremõisa külas ühepereelamu aadressil Pesapuu tee 11, Meremõisa küla, Lääne-Harju vald. Projekt asub Tallinna kesklinnast 30 minutilise autosõidu kaugusel.Ühisrahastuskampaania raames soovitakse investoritelt kaasata laenu kogusummas 170 000 eurot, millest 154 000 eurot moodustab projekti ehituskulude finantseerimine ja 16 000 eurot kapitali vabastamine. Projekti rahastamine on korraldatud mitmes rahastamisvoorus. Teise rahastamisvooru summa on 50 000 eurot. Laenu kasutatakse ehituskulude finantseerimiseks. Laenu tagatiseks on seatud 1. järjekoha hüpoteek Pesapuu tee 11 kinnistule. Kinnistu hinnatud turuväärtus jaanuaris 2022.a oli 164 000 eurot (liitumistega kinnistu + omanikujärelevalve poolt kinnitatud ehitustööd). Tänaseks on ehitustööd lõpujärgus - majas toimuvad siseviimistlustööd. Hinnatud tulevikuväärtus, kui kõik tööd on lõpetatud, on käibemaksuta hinnas 280 000 eurot. Investorite laenude põhiosa ja valmis maja turuväärtuse suhe (LTV) on kuni 60,7%.Ehitatava maja aadressil pesapuu tee 11 elamispind on 109,5 m2.Laenuperiood on 10 kuud (kuni 31.01.2023) ja intress 10% aasta baasil. Intress makstakse ühekordse maksena laenuperioodi lõpus või valmis maja müügist.

Ühepereelamute ehituse finantseerimine, Harku vallas, laenuintress 10% aasta baasil

Rahastuseesmärk:	€ 50000
Oodatav tootlus:	10 % aastas
Investeerimisperiood:	10 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Pesapuu tn 11, Meremõisa (II)

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