Crowdestate investors have funded the Sponsor's investment obligation in construction of a new Koru primary school in <a href="https://www.veskimoldre.ee/" target="" style="background-color: transparent;color: rgb(73, 131, 195);"></a><a href="https://www.xn--veskimldre-jcb.ee/" target="" style="background-color: transparent;color: rgb(73, 131, 195);">Veskimöldre-2</a> residential area. A total of EUR 1,160,000 was raised under four Crowdestate campaigns. To date, the Sponsor has sold 23 plots and fully repaid the first round investors' loans of EUR 500,000 plus interest and EUR 100,000 principal of the second round loan. The final return (IRR) for the first round was 16.3%. Due to the successful sale of the Veskimöldre-2 plots at higher than initially expected prices and the need to release equity (in particular to finance the construction of shopping center at Instituudi tee 132 property), the Sponsor has decided to offer an additional investment opportunity in amount of EUR 700,000. Amount raised within the current sixth round is EUR 300,000.New loan will be secured by a 4th rank joint mortgage on 93 residential plots (total 151,276 m2) market value at EUR 7.88 million (excluding VAT). The outstanding senior loan amounts to EUR 3.0 million (secured by 1st and 2nd mortgage) and Crowdestate investors' loans secured by 3rd mortgage is EUR 560,000. Thus, a total of EUR 3.56 million is debt before new EUR 700,000 loan. With an additional EUR 700,000 loan, the project's LTV is 54% (the ratio of loan principal amount to the market value of 93 plots). The market value estimate is from October 2017. Price list and real transaction prices are about 15% higher than the appraised market value. In addition to the mortgage, parent company Brave Capital OÜ has issued a guarantee of EUR 200,000. The value of guarantee is not included in the collateral value.Crowdestate investors' loan bears an interest rate of 15% per annum. Interest will be paid quarterly and loan principal returned from the sales revenue of residential plots - 30% from the sales value (excluding VAT) of each plot will be transferred as repayment of Crowdestate investors' loan.The investment period is up to 26 months. The expected return (IRR) on a loan with quarterly interest payments is 15.9%.<div style="color: rgb(70, 77, 86);background-color: rgb(255, 255, 255);">The development of Veskimöldre-2 residential area includes 170 plots for single-family houses, 121 row house apartments (semi-detached house), a supermarket, dining places, health trails, schoolhouse. Residential plots are priced between EUR 90,000 and EUR 160,000 (average EUR 120,000) and average size of plot  is 1623 m2.</div>

Residential land development, residential real estate investment, 26 months, interest rate 15% p.a.

Veskimoldre 2

Crowdestate investors have funded the Sponsor's investment obligation in construction of a new Koru primary school in <a href="https://www.veskimoldre.ee/" target=""></a><a href="https://www.veskimöldre.ee/" target="">Veskimöldre-2</a> residential area. A total of EUR 1,160,000 was raised under four Crowdestate campaigns. To date, the Sponsor has sold 23 plots and fully repaid the first round investors' loans of EUR 500,000 plus interest and EUR 100,000 principal of the second round loan. The final return (IRR) for the first round was 16.3%. Due to the successful sale of the Veskimöldre-2 plots at higher than initially expected prices and the need to release equity (in particular to finance the construction of shopping center at Instituudi tee 132 property), the Sponsor has decided to offer an additional investment opportunity in amount of EUR 700,000. Amount raised within the current sixth round is EUR 300,000.New loan will be secured by a 4th rank joint mortgage on 93 residential plots (total 151,276 m2) market value at EUR 7.88 million (excluding VAT). The outstanding senior loan amounts to EUR 3.0 million (secured by 1st and 2nd mortgage) and Crowdestate investors' loans secured by 3rd mortgage is EUR 560,000. Thus, a total of EUR 3.56 million is debt before new EUR 700,000 loan. With an additional EUR 700,000 loan, the project's LTV is 54% (the ratio of loan principal amount to the market value of 93 plots). The market value estimate is from October 2017. Price list and real transaction prices are about 15% higher than the appraised market value. In addition to the mortgage, parent company Brave Capital OÜ has issued a guarantee of EUR 200,000. The value of guarantee is not included in the collateral value.Crowdestate investors' loan bears an interest rate of 15% per annum. Interest will be paid quarterly and loan principal returned from the sales revenue of residential plots - 30% from the sales value (excluding VAT) of each plot will be transferred as repayment of Crowdestate investors' loan.The investment period is up to 26 months. The expected return (IRR) on a loan with quarterly interest payments is 15.9%.<div>The development of Veskimöldre-2 residential area includes 170 plots for single-family houses, 121 row house apartments (semi-detached house), a supermarket, dining places, health trails, schoolhouse. Residential plots are priced between EUR 90,000 and EUR 160,000 (average EUR 120,000) and average size of plot  is 1623 m2. </div>

Crowdestate'i investorid on rahastanud <a href="https://www.veskimöldre.ee/" target="">Veskimöldre-2</a> elamukruntide tagatisel Sponsori investeerimiskohustust uue Koru põhikooli-lasteaia ehitamisel. Nelja vooru raames kaasati kokku 1 160 000 eurot. Praeguseks on Sponsor müünud 26 kinnistut ja tagastanud tervenisti esimese vooru investorite laenud summas 500 000 eurot ja intressi ning teise vooru laenust 100 000 eurot. Esimese rahastamisvooru lõplikuks tootluseks (IRR) kujunes 16,3%.  Tulenevalt Veskimöldre 2 kruntide edukast müügist ning vajadusest vabastada omakapitali (eelkõige Instituudi tee 132 kaubanduskeskuse ehituse finantseerimiseks) pakub Sponsor kinnistute tagatisel täiendavat investeerimisvõimalust summas 700 000 eurot. Koos täiendava summaga oleks Crowdestate'i investorite laen 1 260 000 eurot. Praeguse rahastamisvooruga soovitakse kaasata 300 000 eurot.Investeering on tagatud 4. järjekoha ühishüpoteegiga 93 elamumaa kinnistule (151 276 m2) hinnatud väärtuses 7,88 miljonit eurot (ilma käibemaksuta). Esimese ja teise järjekohaga tagatava seeniorlaenu jääk on 3,0 miljonit eurot ning kolmanda järjekohaga tagatud Crowdestate investorite laenude jääk on 560 000 eurot. Seega, uue kampaaniaga kaasatava laenu ees on kohustusi kokku 3,56 miljonit eurot. Täiendava 700 000 eurose laenu lisandudes on projekti LTV 54% (hüpoteekidega tagatud laenude põhiosa jäägi suhe hinnatud 93 kinnistu väärtusesse). Turuväärtuse hinnang pärineb 2017.a. oktoobrist. Hinnakiri ja viimased tehinguhinnad on olnud keskmiselt 15% kõrgemad kui hinnatud väärtus. Lisaks hüpoteegile on kontserni emaettevõtte Brave Capital OÜ andnud käenduse summas 200 000 eurot. Käendust ei ole tagatisvara väärtuse hulka arvestatud.Crowdestate'i investorite laenult makstakse intressi 15% aasta baasil. Intressimaksed on kvartaalsed ja laenu põhisumma tagastatakse Veskimöldre-2 piirkonna üksikelamute ja ridaelamute kruntide müügitulust – iga asjaõigusliku müügilepingu sõlmimisel makstakse Crowdestate’i investoritele 30% kinnistu käibemaksuta hinnast. Investeerimisvõimaluse kestus on kuni 26 kuud. Kvartaalsete intressimaksetega laenu oodatav tootlus (IRR) on 15,9%.Veskimöldre-2 elupiirkonna arendus hõlmab 170 ühepereelamu krunti, ridamaja krunte (121 ridamaja boksi), lisaks rajatakse piirkonda supermarket, söögikohad, terviserajad, koolimaja. Elamukruntide hinnad on vahemikus 90 000 - 160 000 eurot (keskmiselt 120 000 eurot) ja müümata kruntide keskmine suurus on 1623 m2.

Veskimöldre 2

Gli investitori di Crowdestate hanno già finanziato l' investimento dello Sponsor nella costruzione della nuova scuola elementare Koru nella zona residenziale di Veskimöldre 2. La raccolta totale è stata di 1.160.000 euro in quattro tranche sulla piattaforma di Crowdestate. Ad oggi, lo Sponsor ha venduto 23 lotti e ha rimborsato completamente i capitali e gli interessi degli investitori della prima tranche di 500.000 EUR ed , in parte (EUR 100,000), la seconda tranche. Il rendimento finale (IRR) per la prima tranche è stato del 16,3%. A causa della vendita dei lotti di Veskimöldre 2 a prezzi superiori a quelli inizialmente previsti e della necessità di liberare capitale proprio (in particolare per finanziare la costruzione del centro commerciale presso l'immobile Instituudi tee 132), lo Sponsor ha deciso di offrire un'ulteriore opportunità di investimento per un importo di 700.000 Euro. L'importo raccolto nell'ambito dell'attuale sesto round è di 300.000 euro. Il nuovo prestito sarà garantito da un'ipoteca congiunta di 4° grado su 93 lotti residenziali (totale 151.276 m2) per un valore di mercato di 7,88 milioni di euro (IVA esclusa). Il prestito senior in essere ammonta a 3,0 milioni di euro (garantiti dalla prima e dalla seconda ipoteca) e i prestiti degli investitori di Crowdestate garantiti dalla terza ipoteca sono pari a 560.000 euro. Pertanto, un totale di 3,56 milioni di euro è il debito prima del nuovo prestito di 700.000 euro. Con un ulteriore prestito di 700.000 EUR, il LTV del progetto sarà del 54% (il rapporto tra il capitale del prestito e il valore di mercato di 93 lotti). La stima del valore di mercato è di ottobre 2017. I prezzi di listino e i prezzi delle transazioni reali sono circa il 15% superiori al valore di mercato stimato. Oltre al mutuo, la società madre Brave Capital OÜ ha emesso una garanzia di 200.000 euro. Il valore della garanzia non è incluso nel valore della garanzia.Il prestito degli investitori di Crowdestate ha un tasso d'interesse del 15% annuo. I pagamenti degli interessi sono trimestrali e l'importo principale sarà restituito dal reddito di vendita dei lotti residenziali di Veskimöldre-2 ; il 30% del valore di vendita (IVA esclusa) di ogni lotto sarà trasferito come rimborso del prestito degli investitori di Crowdestate. &#65279;La durata è di 26 mesi. Il rendimento atteso (IRR) su un prestito con pagamento di interessi trimestrali è del 15,9% annuo. Lo sviluppo della zona residenziale Veskimöldre-2 comprende 170 lotti per case unifamiliari, 121 appartamenti a schiera (case bifamiliari), un supermercato, punti di ristoro, sentieri della salute, scuola. I lotti residenziali hanno un prezzo compreso tra i 90.000 e i 160.000 euro (in media 120.000 euro) e la dimensione media del terreno è di 1623 m2.&#65279;<div><div> </div></div>

Rahastuseesmärk:	€ 300000
Oodatav tootlus:	15.9 % aastas
Investeerimisperiood:	7 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Mezzanine

Veskimöldre 2, Alliku (VI)

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