The Sponsor is building a private house on Tervise St. 11 property in Laagri borough (20 minutes from Tallinn city center) and offers investors an opportunity to finance the construction in the amount of EUR 150,000. The amount to be raised in the first round is EUR 75,000. Construction is underway: frame and exterior walls are built, windows have been installed and the facade work has begun. Cost of construction is EUR 248,000 (incl. VAT) and the deadline for the works is September 2020. There will be two funding rounds. The house's net living area is 202.5 m2, plus garage and terraces. Investors' loans are secured by a first-rank mortgage on Tervise St. 11 property. Fixed interest rate is 11% p.a., investment period is 12 months and the internal rate of return (IRR) of the loan with monthly interest payments is 11.57%. The market value of the private house is estimated at EUR 427,000. The loan-to-value ratio (LTV) is 35%. The requested loan will be repaid by refinancing with a long-term bank loan or from revenues of the Sponsor's other projects (eg. from sales revenue of Metsapargi St. 4 row-house apartments). Crowdestate investors have financed the Sponsor's row-house projects at Veskioja St. 1 and Metsapargi St. 4 and the semi-detached house at Viirpuu tn 12. All projects have been successful and investors' capital and interest have been repaid earlier.

Invest in a real estate development in Estonia and earn 11% p.a.

Private house in Laagri

The Sponsor is building a private house on Tervise St. 11 property in Laagri borough (20 minutes from Tallinn city center) and offers investors an opportunity to finance the construction in the amount of EUR 150,000. The amount to be raised in the first round is EUR 75,000. Construction is underway: frame and exterior walls are built, windows have been installed and the facade work has begun. Cost of construction is EUR 248,000 (incl. VAT) and the deadline for the works is September 2020. There will be two funding rounds. The house's net living area is 202.5 m2, plus garage and terraces. Investors' loans are secured by a first-rank mortgage on Tervise St. 11 property. Fixed interest rate is 11% p.a., investment period is 12 months and the internal rate of return (IRR) of the loan with monthly interest payments is 11.57%. The market value of the private house is estimated at EUR 427,000. The loan-to-value ratio (LTV) is 35%. The requested loan will be repaid by refinancing with a long-term bank loan or from revenues of the Sponsor's other projects (eg. from sales revenue of Metsapargi St. 4 row-house apartments). Crowdestate investors have financed the Sponsor's row-house projects at Veskioja St. 1 and Metsapargi St. 4 and the semi-detached house at Viirpuu tn 12. All projects have been successful and investors' capital and interest have been repaid earlier.

Sponsor ehitab Laagri alevikus Tervise tn 11 kinnistule eramaja ja pakub investoritele võimalust rahastada ehitust summas 150 000 eurot. Praeguse esimese vooru summa on 75 000 eurot. Ehitus käib: majakarp on valmis, aknad on paigaldatud ja algust on tehtud fassaaditöödega. Ehitustööde maksumus on 248 000 eurot (sh käibemaks) ja tööde tähtaeg september 2020. Ehitust finantseeritakse etapiviisiliselt. Eramus on 202,5 m2 köetavat pinda, lisaks garaaž ja terrassid.Investorite laenu tagatiseks seatakse 1. järjekoha hüpoteek Tervise tn 11 kinnistule. Laenu fikseeritud intressimäär on 11% aasta baasil, laenu tähtaeg on 12 kuud ja igakuiste intressimaksetega laenu sisemine tootlus (IRR) on 11,57%. Valmis kujul on eramu turuväärtuseks hinnatud 427 000 eurot. Laenu suhe tagatisvara väärtusesse (LTV) hoone valmides on 35%.Taotletav laen makstakse tagasi refinantseerides pikaajalise pangalaenuga või Sponsori muude arendusprojektide laekumistest (nt. Metsapargi tn 4 ridamaja korterite müügitulust).Sponsor on Crowdestate investorite toel rahastanud Veskioja tn 1 ja Metsapargi tn 4 ridamajade ja Viirpuu tn 12 paarismaja arendusi. Kõik projektid on olnud edukad ja investorite kapital ning intress tagasi makstud ennetähtaegselt.

Eramu ehitus Eestis, investeering eramaja arendusse, 12 kuud, intress 11% aasta baasil

Elamu Laagri alevikus

Lo Sponsor sta costruendo una casa privata sulla proprietà Tervise St. 11 nel quartiere di Laagri (a 20 minuti dal centro di Tallinn) e offre agli investitori l'opportunità di finanziare la costruzione per un importo di 150.000 euro. L'importo da raccogliere durante la prima tranche è di 75.000 EUR. I lavori di costruzione sono in corso: sono stati costruiti il telaio e le pareti esterne, sono state installate le finestre e sono iniziati i lavori di facciata. Il costo di costruzione è di 248.000 euro (IVA inclusa) e la scadenza dei lavori è settembre 2020. La superficie netta della casa è di 202,5 m2, più garage e terrazze.I prestiti degli investitori saranno garantiti da un'ipoteca di primo grado sulla proprietà di Tervise St. 11. Il tasso d'interesse fisso è dell'11% annuo, la durata dell'investimento è di 12 mesi e il tasso di rendimento interno (IRR) del prestito con pagamento mensile degli interessi è dell'11,57%. Il valore di mercato della casa privata è stimato in 427.000 euro. Il rapporto prestito/valore (VTL) è pari al 35%.Il prestito richiesto sarà rimborsato mediante un rifinanziamento con un prestito bancario a lungo termine o con i ricavi degli altri progetti dello Sponsor (ad es. dai ricavi di vendita degli appartamenti a schiera di Metsapargi St. 4).Gli investitori di Crowdestate hanno finanziato i progetti dello Sponsor sia per le villette a schiera di Veskioja St. 1 e Metsapargi St. 4 sia per la casa bifamiliare di Viirpuu tn 12. Tutti i progetti hanno avuto successo, il capitale e gli interessi degli investitori sono stati rimborsati in anticipo.

Rahastuseesmärk:	€ 75000
Oodatav tootlus:	11.57 % aastas
Investeerimisperiood:	12 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Tervise tn 11, Laagri (I)

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