The goal of this investment opportunity is to refinance the tranches raised to the construction of one individual luxury house on a land plot with 603m2, situated in Av. Fernão Magalhães, Miramar, Arcozelo, Vila Nova de Gaia, Portugal.For this project a total of 700.000 Euros was raised, and we intend to refinance the same amount to allow the developer to finish the work the by the end of June 2024. The project suffered delays due to changes in the inicial plan, it was decided to create a roof-top and an elevator in the house, which resulted in a change in the construction license, leading to delays in the Municipal Department to rectify the respective license. This situation has now been overcome, and the promoter is developing the project in accordance with what was established. The promoter has clients who want the house, and is in the negotiation phase with them, and it is established that the sale will take place in mid-July 2024. It should be noted that the promoter is not requesting more funds to complete the work, simply , requests refinancing to allow time for the property to be completed and sold. It is important to note that this refinancing operation is debt replacement. The debt remains the same, and investors have the opportunity to obtain a good return on their capital in a short period of time, since the interest rate has increased and the maturity of the loan is reduced.With this investment opportunity, Crowdestate investors can invest in a real estate secured mortgage construction loan in the amount of 450.000 Euros.For this financing opportunity, the Project owner is offering the first-rank and second-rank mortgage over the land plot and the existing construction works done at this target project. He is is also offering a first-rank mortgage on another land plot. The mortgages on these land-plots are already made in the name of Crowdestate.This project has 2 Luxury Villas (Villa A and B), which are extremely well-located a few meters from the beach Senhor da Pedra. Villa B is already sold, and Villa A is being negotiated with a potential buyer. According to the attached appraisal, the estimated market value of this real estate collateral is 439.000 Euros, and the construction report shows additional 395,462 Euros were invested resulting in a total collateral value of 834.462 Euros. Added to this value is the valuation of the other land which at the moment, and according to the attached report, is 375.000 Euros we have a total collateral value of 1.2M Euros.Therefore, considering total amount raised, 700.000 Euros, we reach an total LTV of 58% for the total debt in this project. The LTV for this tranche (450.000 Euros) is 38%.The interest rate of the loan is 14% per annum. Interest is payable on a quarterly basis. The loan period is 6 months, and the Project owner has an opportunity to extend it by a maximum of 3 months with the obligation to increase the interest rate by 2% for the extension period.The loan will be repaid from the sale of the property, or the project owner's operating revenues.The withholding tax rate for all projects based in Portugal is 10% for all investors. At the link, it is possible to check the promotion video of this real estate project: <a href="https://vimeo.com/686308060" style="text-align: justify;">Almah_Miramar_Video</a>

Real estate investing opportunity in Portugal for property development offering 14% annual interest rate.

Investing in real estate opportunity | Avenida Fernão Magalhães, Miramar, Arcozelo, VNG, Portugal

The goal of this investment opportunity is to refinance the tranches raised to the construction of one individual luxury house on a land plot with 603m2, situated in Av. Fernão Magalhães, Miramar, Arcozelo, Vila Nova de Gaia, Portugal.For this project a total of 700.000 Euros was raised, and we intend to refinance the same amount to allow the developer to finish the work the by the end of June 2024. The project suffered delays due to changes in the inicial plan, it was decided to create a roof-top and an elevator in the house, which resulted in a change in the construction license, leading to delays in the Municipal Department to rectify the respective license. This situation has now been overcome, and the promoter is developing the project in accordance with what was established. The promoter has clients who want the house, and is in the negotiation phase with them, and it is established that the sale will take place in mid-July 2024. It should be noted that the promoter is not requesting more funds to complete the work, simply , requests refinancing to allow time for the property to be completed and sold. It is important to note that this refinancing operation is debt replacement. The debt remains the same, and investors have the opportunity to obtain a good return on their capital in a short period of time, since the interest rate has increased and the maturity of the loan is reduced.With this investment opportunity, Crowdestate investors can invest in a real estate secured mortgage construction loan in the amount of 450.000 Euros.For this financing opportunity, the Project owner is offering the first-rank and second-rank mortgage over the land plot and the existing construction works done at this target project. He is is also offering a first-rank mortgage on another land plot. The mortgages on these land-plots are already made in the name of Crowdestate.This project has 2 Luxury Villas (Villa A and B), which are extremely well-located a few meters from the beach Senhor da Pedra. Villa B is already sold, and Villa A is being negotiated with a potential buyer. According to the attached appraisal, the estimated market value of this real estate collateral is 439.000 Euros, and the construction report shows additional 395,462 Euros were invested resulting in a total collateral value of 834.462 Euros. Added to this value is the valuation of the other land which at the moment, and according to the attached report, is 375.000 Euros we have a total collateral value of 1.2M Euros.Therefore, considering total amount raised, 700.000 Euros, we reach an total LTV of 58% for the total debt in this project. The LTV for this tranche (450.000 Euros) is 38%.The interest rate of the loan is 14% per annum. Interest is payable on a quarterly basis. The loan period is 6 months, and the Project owner has an opportunity to extend it by a maximum of 3 months with the obligation to increase the interest rate by 2% for the extension period. The loan will be repaid from the sale of the property, or the project owner's operating revenues.The withholding tax rate for all projects based in Portugal is 10% for all investors. At the link, it is possible to check the promotion video of this real estate project: <a href="https://vimeo.com/686308060" style="text-align: justify;">Almah_Miramar_Video</a>

El objetivo de esta oportunidad de inversión es refinanciar las cuotas recaudadas para la construcción de una casa individual de lujo en un terreno de 603m2, ubicada en Av. Fernão Magalhães, Miramar, Arcozelo, Vila Nova de Gaia, Portugal. Para este proyecto se recaudó un total de 700.000 Euros y pretendemos refinanciar la misma cantidad para que el promotor pueda completar las obras a finales de junio de 2024. El proyecto sufrió retrasos debido a cambios en el plan inicial, se decidió crear una cubierta y un ascensor en la casa, lo que resultó en la modificación de la licencia de construcción, provocando retrasos en el Ayuntamiento y la rectificación de la licencia respectiva. Esta situación ya ha sido superada y el promotor está desarrollando el proyecto de acuerdo con lo establecido. La promotora tiene clientes que quieren la casa, y está en fase de negociación con ellos, y está establecido que la venta se realizará a mediados de julio de 2024. Cabe señalar que la promotora no solicita más fondos para finalizar la obra. . Simplemente solicite refinanciamiento para dar tiempo a que los muebles estén terminados y vendidos. Es importante señalar que esta operación de refinanciación es una sustitución de deuda. La deuda sigue siendo la misma y los inversores tienen la oportunidad de obtener una buena rentabilidad de su capital en un corto espacio de tiempo, ya que el tipo de interés ha aumentado y el plazo del préstamo se ha reducido. Con esta oportunidad de inversión, los inversores de Crowdestate pueden invertir en un préstamo hipotecario para la construcción de inmuebles con una garantía de 450.000 Euros. Para esta oportunidad de financiamiento, el propietario del proyecto ofrece hipoteca de primera y segunda categoría sobre el terreno y las obras de construcción existentes realizadas en este proyecto objetivo. También ofrece una hipoteca privilegiada sobre otros terrenos. Las hipotecas sobre estos terrenos ya están registradas a nombre de Crowdestate. Este proyecto cuenta con 2 villas de lujo (Villa A y B), muy bien ubicadas a pocos metros de la playa Senhor da Pedra. La Villa B ya está vendida y la Villa A está en negociaciones con un comprador potencial. Según la tasación adjunta, el valor de mercado estimado de esta garantía inmobiliaria es de 439.000 Euros, y el informe de construcción revela que se invirtieron 395.462 Euros adicionales dando como resultado un valor total de la garantía de 834.462 Euros. A este valor se le suma la valoración del terreno restante que en estos momentos, y según informe adjunto, es de 375.000 Euros, tenemos un valor total de garantía de 1.2M de euros. Por tanto, considerando el importe total recaudado, 700.000 euros, alcanzamos un LTV total del 58% de la deuda total de este proyecto. El LTV de este tramo (450.000 euros) es del 38%. La tasa de interés del préstamo es del 14% anual. Los intereses se pagan trimestralmente. El plazo del préstamo es de 6 meses, y el propietario del Proyecto tiene la oportunidad de extenderlo por un máximo de 3 meses con la obligación de aumentar la tasa de interés en un 2% durante el período de extensión. El préstamo se reembolsará con la venta de la propiedad o con los ingresos operativos del propietario del proyecto.La tasa de retención de impuestos para todos los proyectos con sede en Portugal es del 10% para todos los inversores.En el enlace se puede consultar el video de promoción de este proyecto inmobiliario: Almah_Miramar_Video <a href="https://vimeo.com/686308060" style="text-align: justify;">Almah_Miramar_Video</a>

Oportunidad de inversión inmobiliaria en Portugal para desarrollo inmobiliario que ofrece una tasa de interés anual del 14%.

Invertir en oportunidades inmobiliarias | Avenida Fernão Magalhães, Miramar, Arcozelo, VNG, Portugal

Selle investeerimisvõimaluse eesmärk on refinantseerida ühe individuaalse luksusmaja ehitamiseks tõstetud osamakseid 603m2 suurusel maatükil, mis asub Av. Fernão Magalhães, Miramar, Arcozelo, Vila Nova de Gaia, Portugal. <div>Selle projekti jaoks kaasati kokku 700 000 eurot ja me kavatseme refinantseerida sama summa, et võimaldada arendajal lõpetada tööd 2024. aasta juuni lõpuks. Projektil oli viivitusi seoses muudatustega esialgses plaanis,kuna otsustati luua katusekorrus ja lift, mis tõi kaasa muudatuse ehituslitsentsis, mis tõi kaasa viivitusi munitsipaal osakonnas vastava litsentsi muutmisel. Nüüdseks on see olukord ületatud ja projekteerija arendab projekti vastavalt sellele, mis oli kehtestatud. Promootoril on kliendid, kes on elamust huvitatud ja on nendega läbirääkimiste faasis ning on kindlaks tehtud, et müük toimub 2024. aasta juuli keskel. Tuleb märkida, et arendaja ei taotle rohkem vahendeid tööde lõpuleviimiseks, lihtsalt , taotleb refinantseerimist, et anda aega kinnisvara valmimiseks ja müümiseks. Oluline on märkida, et refinantseerimine hõlmab võla asendamist. Selle investeerimisvõimalusega saavad Crowdestate'i investorid investeerida kinnisvaraga tagatud hüpoteeklaenu ehitus laenu summas 450 000 eurot.</div><div> Selle rahastamisvõimaluse jaoks pakub projekti omanik esimese ja teise järgu hüpoteeki maatüki ja selles siht projektis tehtud olemasolevate ehitustööde üle. See teise järgu hüpoteek tagab ka kõik järgmised osamaksed. Ta pakub ka esimese järgu hüpoteeki teisele maatükile. Nende kruntide hüpoteegid on juba tehtud Crowdestate'i nimele.</div><div> Selles projektis on 2 luksusvillat (Villa A ja B), mis asuvad äärmiselt hea asukohaga paari meetri kaugusel rannast Senhor da Pedra. Villa B on juba müüdud ja Villa A üle peetakse läbirääkimisi potentsiaalse ostjaga. Lisatud hinnangu kohaselt on selle kinnisvara tagatise hinnanguline turuväärtus 439 000 eurot ja ehitus aruande kohaselt investeeriti täiendavalt 395 462 eurot, mille tulemusena on tagatise koguväärtus 834 462 eurot. Sellele väärtusele on lisatud teise maa väärtus, mis on hetkel ning vastavalt aruandele 375 000 eurot, seega on tagatise koguväärtus 1,2 miljonit eurot. Seega, võttes arvesse eelmist 700 000 euro suurust osa, saavutame selle projekti kogu võla LTV-ks 58%. Selle osamakse (450 000 eurot) LTV on 38%. Laenu intressimäär on 14% aastas. Intressi makstakse kord kvartalis. Laenuperiood on 6 kuud ja projekti omanikul on võimalus seda pikendada maksimaalselt 3 kuu võrra, kohustusega tõsta intressimäära 2% võrra pikendusperioodi jooksul. Laenu tagasimaksmine toimub kinnisvara müügist või projekti omaniku tegevustuludest.Kõigi Portugalis asuvate projektide kinnipeetav maksumäär on 10% kõikidele investoritele.<a href="https://vimeo.com/686308060">Almah_Miramar_Video</a></div>

The goal of this investment opportunity is to refinance the tranches raised to the construction of one individual luxury house on a land plot with 603m2, situated in Av. Fernão Magalhães, Miramar, Arcozelo, Vila Nova de Gaia, Portugal.For this project a total of 700.000 Euros was raised, and we intend to refinance the same amount to allow the developer to finish the work the by the end of June 2024. The project suffered delays due to changes in the inicial plan, it was decided to create a roof-top and an elevator in the house, which resulted in a change in the construction license, leading to delays in the Municipal Department to rectify the respective license. This situation has now been overcome, and the promoter is developing the project in accordance with what was established. The promoter has clients who want the house, and is in the negotiation phase with them, and it is established that the sale will take place in mid-July 2024. It should be noted that the promoter is not requesting more funds to complete the work, simply , requests refinancing to allow time for the property to be completed and sold. It is important to note that this refinancing operation is debt replacement. The debt remains the same, and investors have the opportunity to obtain a good return on their capital in a short period of time, since the interest rate has increased and the maturity of the loan is reduced.With this investment opportunity, Crowdestate investors can invest in a real estate secured mortgage construction loan in the amount of 450.000 Euros.For this financing opportunity, the Project owner is offering the first-rank and second-rank mortgage over the land plot and the existing construction works done at this target project. He is is also offering a first-rank mortgage on another land plot. The mortgages on these land-plots are already made in the name of Crowdestate.This project has 2 Luxury Villas (Villa A and B), which are extremely well-located a few meters from the beach Senhor da Pedra. Villa B is already sold, and Villa A is being negotiated with a potential buyer. According to the attached appraisal, the estimated market value of this real estate collateral is 439.000 Euros, and the construction report shows additional 395,462 Euros were invested resulting in a total collateral value of 834.462 Euros. Added to this value is the valuation of the other land which at the moment, and according to the attached report, is 375.000 Euros we have a total collateral value of 1.2M Euros.Therefore, considering total amount raised, 700.000 Euros, we reach an total LTV of 58% for the total debt in this project. The LTV for this tranche (450.000 Euros) is 38%.The interest rate of the loan is 14% per annum. Interest is payable on a quarterly basis. The loan period is 6 months, and the Project owner has an opportunity to extend it by a maximum of 3 months with the obligation to increase the interest rate by 2% for the extension period.The loan will be repaid from the sale of the property, or the project owner's operating revenues.The withholding tax rate for all projects based in Portugal is 10% for all investors. At the link, it is possible to check the promotion video of this real estate project: <a href="https://vimeo.com/686308060" style="text-align: justify;">Almah_Miramar_Video</a>

O objetivo desta oportunidade de investimento é refinanciar as parcelas angariadas para a construção de uma moradia individual de luxo inserida num lote de terreno com 603m2, situado na Av. Fernão Magalhães, Miramar, Arcozelo, Vila Nova de Gaia, Portugal. Para este projeto foi angariado um total de700.000 Euros, e pretendemos refinanciar o mesmo valor para permitir ao promotor terminar a obra até ao final de Junho de 2024. O projeto sofreu atrasos devido a alterações no plano inicial, foi decidido criar uma cobertura e um elevador na casa, o que resultou na alteração da licença de construção, originando atrasos na Câmara Municipal e na rectificação da respectiva licença. Esta situação já foi ultrapassada e o promotor está a desenvolver o projeto de acordo com o estabelecido. O promotor tem clientes que pretendem a casa, e está em fase de negociação com os mesmos, estando estabelecido que a venda ocorrerá em meados de julho de 2024. De referir que o promotor não está a solicitar mais verbas para concluir a obra. , simplesmente, solicita refinanciamento para ter tempo permitindo que móvel seja concluído e vendido. É importante notar que esta operação de refinanciamento é uma substituição de dívida. A dívida permanece a mesma e os investidores têm a oportunidade de obter um bom retorno do seu capital num curto espaço de tempo, uma vez que a taxa de juro aumentou e o prazo do empréstimo foi reduzido. Com esta oportunidade de investimento, os investidores da Crowdestate podem investir num empréstimo hipotecário para construção de imóveis com garantia no valor de 450.000 Euros. Para esta oportunidade de financiamento, o proprietário do Projecto está a oferecer a hipoteca de primeira e segunda categoria sobre o terreno e as obras de construção existentes realizadas neste projecto-alvo. Ele também oferece uma hipoteca de primeira categoria sobre outro terreno. As hipotecas destes terrenos já estão registadas em nome da Crowdestate. Este projeto conta com 2 Moradias de Luxo (Villa A e B), extremamente bem localizadas a poucos metros da praia do Senhor da Pedra. A Villa B já está vendida e a Villa A está em negociação com um potencial comprador. De acordo com a avaliação anexa, o valor de mercado estimado desta caução imobiliária é de 439.000 Euros, sendo que o relatório de construção revela que foram investidos adicionais 395.462 Euros resultando num valor total de colateral de 834.462 Euros. A este valor acresce a avaliação dos restantes terrenos que neste momento, e de acordo com o relatório anexo, é de 375.000 Euros temos um valor total de garantia de 1.2M Euros. Assim, considerando o valor total angariado, 700.000 Euros, atingimos um LTV total de 58% para o total da dívida deste projeto. O LTV desta tranche (450.000 euros) é de 38%. A taxa de juros do empréstimo é de 14% ao ano. Os juros são pagos trimestralmente. O prazo do empréstimo é de 6 meses, e o dono do Projecto tem a oportunidade de estendê-lo por um máximo de 3 meses com a obrigação de aumentar a taxa de juro em 2% durante o período de prorrogação. O empréstimo será reembolsado com a venda do imóvel ou com as receitas operacionais do proprietário do projeto.A taxa de rentenção para todos os projetos em Portugal é de 10% para todos os investidores.Neste link, é poível verificar o vídeo promocional deste projeto imobiliário: <a href="https://vimeo.com/686308060" style="text-align: justify;">Almah_Miramar_Video</a>

Oportunidade de investimento imobiliário em Portugal para desenvolvimento imobiliário com taxa de juro anual de 14%.

Oportunidade de investimento imobiliário | Avenida Fernão Magalhães, Miramar, Arcozelo, VNG, Portugal

Portugal

Euro

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Objetivo de financiación:	€ 450000
Rentabilidad esperada:	14 % a.p.
Duración de la inversión:	6 months
Categoría de riesgo:	B Modelo de evaluación de riesgos
LTV:	Riesgo bajo 58%
Capital stack:	Préstamo garantizado

Av Fernão Magalhães, Miramar (XIX)

Inversiones financiadas