The Sponsor offers an investment opportunity and granting a EUR 160,000 loan secured by a 1st rank mortgage on Ranniku tee 54 immovable. The loan will be used for the repayment of the previous Crowdestate investors' loan in the amount of EUR 145,000 and the additional EUR 15,000 will be used to fund the construction of Ranniku tee 54 utility connections. The property is located in the highly valued Pirita district, in Merivälja urban area, about 10 km from Tallinn city center. The size of the unimproved building land is 1528 m2. The market value of the property is EUR 315,000 and LTV 51% (the ratio of the 1st rank mortgage loan principal to the market value of the collateral).  Loan interest rate is 10.5% on an annual basis. Internal rate of return (IRR) of the loan with monthly interest payments is 11%. Investment period is 12 months and the term can be extended once unilaterally by the borrower by 6 months. After the extension, the interest rate will be 12% p.a. The loan will be repaid when property is sold or by refinancing at the end of the loan period latest.

Mortgage loan, secured by a residential plot in Tallinn, Invest in a real estate in Estonia and earn 11% p.a.

Residential land plot in Tallinn (Merivälja)

The Sponsor offers an investment opportunity and granting a EUR 160,000 loan secured by a 1st rank mortgage on Ranniku tee 54 immovable. The loan will be used for the repayment of the previous Crowdestate investors' loan in the amount of EUR 145,000 and the additional EUR 15,000 will be used to fund the construction of Ranniku tee 54 utility connections. The property is located in the highly valued Pirita district, in Merivälja urban area, about 10 km from Tallinn city center. The size of the unimproved building land is 1528 m2. The market value of the property is EUR 315,000 and LTV 51% (the ratio of the 1st rank mortgage loan principal to the market value of the collateral).  Loan interest rate is 10.5% on an annual basis. Internal rate of return (IRR) of the loan with monthly interest payments is 11%. Investment period is 12 months and the term can be extended once unilaterally by the borrower by 6 months. After the extension, the interest rate will be 12% p.a. The loan will be repaid when property is sold or by refinancing at the end of the loan period latest.

Käimasoleva kampaania raames pakub Sponsor investoritele võimalust anda Ranniku tee 54 kinnistu 1. järjekoha hüpoteegi tagatisel laenu summas 160 000 eurot. Taotletava laenuga makstakse tagasi Crowdestate investorite varasem laen summas 145 000 eurot ja täiendav summa 15 000 eurot kasutab Sponsor Ranniku tee 54 liitumiste väljaehitamiseks. Kinnistu asub kõrgelt hinnatud Pirita linnaosas, Merivälja asumis, umbes 10 km kaugusel Tallinna kesklinnast. Hoonestamata elamumaa kinnistu suurus on 1528 m2. Kehtestatud detailplaneering lubab kuni 280 m2 hoonealuse pinnaga ühepereelamu ehitust. Kinnistu hinnatud turuväärtus on 315 000 eurot ja projekti LTV on 51% (1.järjekoha hüpoteegiga tagatud laenu põhiosa suhe tagatisvara turuväärtusesse). Laenult tasutakse intressi 10,5% aasta baasil.Igakuiste intressimaksetega laenu sisemine tootlus (IRR) on 11%. Pakutava investeerimisvõimaluse kestus on 12 kuud ja tähtaega on laenusaajal võimalik ühepoolselt pikendada üks kord 6 kuu võrra. Pikendamise järgselt on intress 12%. Laenu tagasimakse toimub läbi tagatisvara müügi hiljemalt laenuperioodi lõpus või läbi refinantseerimise.

Rahastuseesmärk:	€ 160000
Oodatav tootlus:	11 % aastas
Investeerimisperiood:	17 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Ranniku tee 54, Tallinn (II)

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