The Sponsor is building semi-detached house at Rattasepa str. 33, Soinaste municipality, Kambja parish, Tartu country. The project is located 11 min away by car from the Tartu city centre. Tartu is the second largest city of Estonia. Tartu is often considered the intellectual centre of the country.  Sponsor is looking for construction funding in total amount of EUR 209,000. The capital will be raised in different tranches and based on consrtruction deeds submitted by the Sponsor. The amount of current fifth round is EUR 35,000. In previous four rounds investors have granted loan in amount of EUR 139,000. The loan is secured by a first-rank mortgage on Rattasepa str. 33, Soinaste municipality, Kambja parish immovable with a market value of  EUR 248,000 w/o tax (according evaluation report and completed construction costs). The maximum planned LTV during the project is 75%.Both apartments have been pre-sold. Apartments are architecturally identical and have a living area of ​​108.8 m2. Loan period is ca 4 months (up to 30.06.2022) and interest rate is 8.5% on an annual basis. Interest will be paid as a lump sum at the end of the loan period or when the apartments are sold.The planned sales price of the project is EUR 321,500.

Real estate investment opportunity in Estonia for property development offering 8.5% annual interest rate

Real estate investment | Rattasepa 33

The Sponsor is building semi-detached house at Rattasepa str. 33, Soinaste municipality, Kambja parish, Tartu country. The project is located 11 min away by car from the Tartu city centre. Tartu is the second largest city of Estonia. Tartu is often considered the intellectual centre of the country.  Sponsor is looking for construction funding in total amount of EUR 209,000. The capital will be raised in different tranches and based on consrtruction deeds submitted by the Sponsor. The amount of current fifth round is EUR 35,000. In previous four rounds investors have granted loan in amount of EUR 139,000. The loan is secured by a first-rank mortgage on Rattasepa str. 33, Soinaste municipality, Kambja parish immovable with a market value of  EUR 248,000 w/o tax (according evaluation report and completed construction costs). The maximum planned LTV during the project is 75%.Both apartments have been pre-sold. Apartments are architecturally identical and have a living area of ​​108.8 m2. Loan period is ca 4 months (up to 30.06.2022) and interest rate is 8.5% on an annual basis. Interest will be paid as a lump sum at the end of the loan period or when the apartments are sold.The planned sales price of the project is EUR 321,500.

Sponsor ehitab Soinaste külas paariselamu aadressil Rattasepa tee 33. Projekt asub Tartu kesklinnast 11 minutilise autosõidu kaugusel.Sponsor soovib investoritelt kaasata hüpoteegiga tagatud laenu kogu summas 209 000 eurot. Laenuga finantseeritakse Rattasepa tee 33 paarismaja ehitust. Projekti rahastamine on korraldatud mitmes rahastamisvoorus. Käimasoleva viienda rahastamisvooru summa on 35 000 eurot. Laenu tagatiseks on seatud 1. järjekoha hüpoteek Rattasepa tee 33 kinnistutele hinnatud turuväärtuses 248 000 eurot (sh. hoonestamata kinnistu väärtus 74 000 eurot ja akteeritud ehitustööd 174 000 eurot). Maksimaalne LTV projekti kehtivuse aja jooksul on 75%. Rattaseppa tee 33 kaks paariselamu korterit on juba võlaõiguslepingutega müüdud. Korterid on identse planeeringuga, elamispinnaga 108,8 m2. Laenuperiood on 4 kuud (kuni 30.06.2022) ja intress 8,5% aasta baasil. Intress makstakse ühekordse maksena laenuperioodi lõpus või korterite müümisel. Paarismaja planeeritud käibemaksuta müügihind kokku on 321 500 eurot.

Paariselamu ehituse finantseerimine, Tartu lähedal, Kambja vallas, Soinaste külas, laenuintress 8.5% aasta baasil

Rahastuseesmärk:	€ 35000
Oodatav tootlus:	8.9 % aastas
Investeerimisperiood:	3 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Rattasepa tee 33, Soinaste (V)

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