With this tranche, the Project Owner aims to raise 43,200 Euros. In the first five tranches 206,800Euros were raised. The first-rank mortgage on a real estate property in Rua Alto Orengas, Recarei, Paredes, Portugal, secures the loan.The collateral includes 15 734 m2 of land with an allotment project submitted to the city hall of Paredes to divide it into 14 smaller plots and create a residential area with 12 twin houses and 2 individual family houses. This allotment project is expected to be licensed by the city hall by the end of 2023 (the customer already has the license).As per the attached appraisal, the estimated market value of the collateral is 611,000 Euros. The collateral belongs to one of the Project Owner’s shareholders, Mrs Maria Manuela dos Santos Teixeira Brandão. Together with her husband, Mr. Francisco Brandão and daughter, the architect Claudia Brandão they have decided to start the development of this project following the conclusion of the construction of another project funded by Crowdestate investors: Rua dos Amieiros, Pedroso in Vila Nova de Gaia. Part of the funds raised with this tranche might be used to repay the loan of the previous loans if the sale deed of Rua dos Amieiros, Pedroso, gets delayed. The remaining amount will be used to start the project’s infrastructure, architecture and engineering specialities projects in Rua Alto Orengas, Recarei, Paredes.Mansarda &amp; Mansão Lda, owned by the three family members, is the developing company for this project, and Mr. Francisco Brandão is the company director.Focusing on the development project, if the Project Owner doesn’t decide to use his additional equity in this project, the business plan for this land is the following:<ol style="font-size: 14px;"><li dir="ltr" style="background-color: transparent;">Obtain the allotment licence (License already issued);</li><li dir="ltr" style="background-color: transparent;">Start with developing the Architecture and Engineering projects for the twin houses;</li><li dir="ltr" style="background-color: transparent;">Sell 7 of the 14 plots to other developers;</li><li dir="ltr" style="background-color: transparent;">Start the sale process of the remaining 7 houses to end buyers.</li></ol>By doing it this way, the cash flow needed for this project is extremely low; hence the Project Owner needs it only to conclude the allotment infrastructure works. The construction of each house is assumed by the end buyer and their own equity or a bank loan. This means a possible early exit for our investors, depending only on sales.According to the attached appraisal, considering this tranche’s value, the ratio of the project's short-term liabilities to the collateral value (LTV) is 41%. The interest rate of the loan is 14% per annum.The loan period is 12 months, with a Project Owner's option to extend it by 6 months with the obligation to increase the interest rate by 2% for the extended period.The principal and interest payments will be made as a bullet payment at the end of the loan period. Or earlier if some of the plots are sold before the end of the loan period.The source of loan repayment is  the sale of real estate plots, or off-plan twin houses, or with the Project Owner's own capital.

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

Investing in real estate opportunity | Rua Alto Orengas, Recarei, Paredes, Portugal

With this tranche, the Project Owner aims to raise 43,200 Euros. In the first five tranches 206,800Euros were raised. The first-rank mortgage on a real estate property in Rua Alto Orengas, Recarei, Paredes, Portugal, secures the loan.The collateral includes 15 734 m2 of land with an allotment project submitted to the city hall of Paredes to divide it into 14 smaller plots and create a residential area with 12 twin houses and 2 individual family houses. This allotment project is expected to be licensed by the city hall by the end of 2023 (the customer already has the license).As per the attached appraisal, the estimated market value of the collateral is 611,000 Euros. The collateral belongs to one of the Project Owner’s shareholders, Mrs Maria Manuela dos Santos Teixeira Brandão. Together with her husband, Mr. Francisco Brandão and daughter, the architect Claudia Brandão they have decided to start the development of this project following the conclusion of the construction of another project funded by Crowdestate investors: Rua dos Amieiros, Pedroso in Vila Nova de Gaia. Part of the funds raised with this tranche might be used to repay the loan of the previous loans if the sale deed of Rua dos Amieiros, Pedroso, gets delayed. The remaining amount will be used to start the project’s infrastructure, architecture and engineering specialities projects in Rua Alto Orengas, Recarei, Paredes.Mansarda &amp; Mansão Lda, owned by the three family members, is the developing company for this project, and Mr. Francisco Brandão is the company director.Focusing on the development project, if the Project Owner doesn’t decide to use his additional equity in this project, the business plan for this land is the following:<ol><li dir="ltr" style="color: #464d56;background-color: transparent;">Obtain the allotment licence (License already issued);</li><li dir="ltr" style="color: #464d56;background-color: transparent;">Start with developing the Architecture and Engineering projects for the twin houses;</li><li dir="ltr" style="color: #464d56;background-color: transparent;">Sell 7 of the 14 plots to other developers;</li><li dir="ltr" style="color: #464d56;background-color: transparent;">Start the sale process of the remaining 7 houses to end buyers.</li></ol>By doing it this way, the cash flow needed for this project is extremely low; hence the Project Owner needs it only to conclude the allotment infrastructure works. The construction of each house is assumed by the end buyer and their own equity or a bank loan. This means a possible early exit for our investors, depending only on sales.According to the attached appraisal, considering this tranche’s value, the ratio of the project's short-term liabilities to the collateral value (LTV) is 41%. The interest rate of the loan is 14% per annum.The loan period is 12 months, with a Project Owner's option to extend it by 6 months with the obligation to increase the interest rate by 2% for the extended period.The principal and interest payments will be made as a bullet payment at the end of the loan period. Or earlier if some of the plots are sold before the end of the loan period.The source of loan repayment is  the sale of real estate plots, or off-plan twin houses, or with the Project Owner's own capital.

Con este tramo, el Promotor pretende recaudar 43,200 euros. En los dos primeros tramos 206,800 euros fueron recaudados. La hipoteca de primer rango sobre una propiedad inmobiliaria en Rua Alto Orengas, Recarei, Paredes, Portugal, garantiza el préstamo.La garantía incluye 15.734 m2 de terreno con un proyecto de lotes residenciales presentado al ayuntamiento de Paredes para dividirlo en 14 parcelas más pequeñas y crear una zona residencial con 12 casas adosadas y 2 casas unifamiliares individuales. Se espera que este proyecto de lotes residenciales obtenga la licencia del ayuntamiento hasta finales de 2023.Según tasación adjunta, el valor de mercado estimado de la garantía es de 611.000 euros.La garantía pertenece a una de las accionistas del Promotor, la señora Maria Manuela dos Santos Teixeira Brandão. Junto con su marido, el Sr. Francisco Brandão y su hija, la arquitecta Claudia Brandão, han decidido iniciar el desarrollo de este proyecto tras la conclusión de la construcción de otro proyecto financiado por inversores de Crowdestate: Rua dos Amieiros, Pedroso en Vila Nova de Gaia. Parte de los fondos recaudados con este tramo podrían utilizarse para reembolsar los préstamos anteriores, si se retrasa la escritura de compraventa de la Rua dos Amieiros, Pedroso. El monto restante se utilizará para iniciar los proyectos de arquitectura e ingeniería de especialidades de infraestructura del proyecto en Rua Alto Orengas, Recarei, Paredes.Mansarda &amp; Mansão Lda, de propiedad de los tres miembros de esta familia, es la empresa desarrolladora de este proyecto, siendo el Sr. Francisco Brandão el director de la empresa.Centrándonos en el proyecto de desarrollo, si el Promotor decide no utilizar su propio capital adicional en este proyecto, el plan de negocios para este terreno es el siguiente:<ol style="font-size: 14px;"><li dir="ltr" style="background-color: transparent;">Obtener una licencia de subdivisión (se emitirá en Diciembre);</li><li dir="ltr" style="background-color: transparent;">Iniciar con el desarrollo de los proyectos de Arquitectura e Ingeniería de las casas adosadas;</li><li dir="ltr" style="background-color: transparent;">Vender 7 de los 14 lotes a otros promotores;</li><li dir="ltr" style="background-color: transparent;">Iniciar proceso de venta de las 7 casas restantes a compradores finales;</li></ol>Al hacerlo de esta manera, el flujo de caja necesario para este proyecto es extremadamente bajo; por lo tanto, el Promotor sólo lo necesita para concluir las obras de infraestructura de los lotes residenciales. La construcción de cada casa la asume el comprador final y sus capitales propios o con un préstamo bancario. Esto significa una posible salida anticipada para nuestros inversores, dependiendo únicamente de las ventas.Según la tasación adjunta, considerando el valor de este tramo, el ratio entre los pasivos a corto plazo del proyecto y el valor de la garantía (LTV) es del 41%.La tasa de interés del préstamo es del 14% anual.El período del préstamo es de 12 meses, con la opción del Promotor de extenderlo por 6 meses con la obligación de aumentar la tasa de interés en un 2% durante el período extendido.Los pagos de capital e intereses se realizarán como pago único al final del período del préstamo. O si se venden algunas de las parcelas, antes.La fuente de amortización del préstamo se producirá con la venta de inmuebles, de los lotes y/o casas adosadas sobre plano, o con capitales propios del Promotor.

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

Invertir en oportunidad inmobiliaria | Rua Alto Orengas, Recarei, Paredes, Portugal

Selle projektiga soovib Projektiomanik kaasata 43,200 eurot. Esimeses rahastusvoorus kaasati 206,800 eurot. Laenu tagatiseks on Rua Alto Orengas, Recarei, Paredes,’ Portugalis asuvale kinnisvarale seatud esimese järjekoha hüpoteek.Tagatis hõlmab 15,734 m2 maad, mille kohta on Paredesi linnavalitsusele esitatud eraldusprojekt, et jagada see 14 väiksemaks krundiks ning luua elamurajoon 12 kaksikmaja ja 2 üksiku pereelamuga. Kõnealuse eraldusprojekti kohta on oodata linnavalitsuse luba 2023. aasta lõpuks. Lisatud hindamisakti kohaselt on tagatise hinnanguline turuväärtus 611,000 eurot. Tagatis kuulub ühele Projektiomaniku aktsionärile, Maria Manuela dos Santos Teixeira Brandão’le. Koos oma abikaasa, Francisco Brandão, ja tütre, arhitekti Claudia Brandão'ga, on nad otsustanud alustada selle projekti arendamist pärast teise Crowdestate'i investorite poolt rahastatud projekti ehitamise lõpetamist: Rua dos Amieiros, Pedroso, Vila Nova de Gaia. Osa selles rahastusvoorus kaasatud vahenditest võidakse kasutada eelmiste laenude tagasimaksmiseks, kui Rua dos Amieiros, Pedroso müügitehing hilineb. Ülejäänud summat kasutatakse Rua Alto Orengas, Recarei, Paredesi projekti infrastruktuuri, arhitektuuri ja inseneri eriprojektide alustamiseks.Mansarda &amp; Mansão Lda, mis kuulub sellele kolmeliikmelisele perele, on selle projekti arendusettevõte ja Francisco Brandão on ettevõtte direktor.Kui Projektiomanik ei otsusta kasutada täiendavat omakapitali arendusprojektis, on selle maa äriplaan järgmine:<ol><li dir="ltr" style="color: #000000;background-color: transparent;">Hankige turustuslitsents (kavandatakse detsembris);</li><li dir="ltr" style="color: #000000;background-color: transparent;">Alustada kaksikmajade arhitektuuri- ja inseneriprojektide arendamist;</li><li dir="ltr" style="color: #000000;background-color: transparent;">Müüa 7 krunti 14-st teistele arendajatele;</li><li dir="ltr" style="color: #000000;background-color: transparent;">Alustada ülejäänud 7 maja müügiprotsessi.</li></ol>Sellisel viisil on projekti jaoks vajalik rahavoog äärmiselt väike; seega on Projektiomanikul vaja seda vaid eraldamise infrastruktuuritööde lõpuleviimiseks. Iga maja ehitamise võtab enda kanda lõppostja omakapitali või pangalaenu abil. See tähendab meie investorite jaoks võimalikku varajast väljumist, mis sõltub ainult müügist.Lisatud hindamisakti kohaselt on projekti LTV 41%. Laenu intressimäär on 14% aastas.Laenuperiood on 12 kuud, kusjuures Projektiomanikul on võimalus seda pikendada 6 kuu võrra, kohustusega tõsta intressimäära 2% võrra pikendatud perioodi eest.Põhiosa- ja intressimaksed tehakse laenuperioodi lõpus ühekordse maksena. Või enne laenuperioodi lõppu, kui osa krunte müüakse varem.Laenu tagasimaksmise allikas on kinnistu, kruntide või planeeringuväliste kaksikmajade müük või Projektiomaniku omakapital.

Võimalus investeerida kinnisvarasse Portugalis kinnisvara arendamiseks, pakkudes 14% aastaintressi.

Võimalus investeerida kinnisvarasse | Rua Alto Orengas, Recarei, Paredes, Portugal

With this tranche, the Project Owner aims to raise 115,300 Euros. In the first two tranches 102,300 Euros were raised. The first-rank mortgage on a real estate property in Rua Alto Orengas, Recarei, Paredes, Portugal, secures the loan. The collateral includes 15 734 m2 of land with an allotment project submitted to the city hall of Paredes to divide it into 14 smaller plots and create a residential area with 12 twin houses and 2 individual family houses. This allotment project is expected to be licensed by the city hall by the end of 2023.As per the attached appraisal, the estimated market value of the collateral is 611,000 Euros. The collateral belongs to one of the Project Owner’s shareholders, Mrs Maria Manuela dos Santos Teixeira Brandão. Together with her husband, Mr. Francisco Brandão and daughter, the architect Claudia Brandão they have decided to start the development of this project following the conclusion of the construction of another project funded by Crowdestate investors: Rua dos Amieiros, Pedroso in Vila Nova de Gaia. Part of the funds raised with this tranche might be used to repay the loan of the previous loans if the sale deed of Rua dos Amieiros, Pedroso, gets delayed. The remaining amount will be used to start the project’s infrastructure, architecture and engineering specialities projects in Rua Alto Orengas, Recarei, Paredes.Mansarda &amp; Mansão Lda, owned by the three family members, is the developing company for this project, and Mr. Francisco Brandão is the company director.Focusing on the development project, if the Project Owner doesn’t decide to use his additional equity in this project, the business plan for this land is the following:<ol><li dir="ltr" style="color: #464d56;background-color: transparent;">Obtain the allotment licence (scheduled to be held in December);</li><li dir="ltr" style="color: #464d56;background-color: transparent;">Start with developing the Architecture and Engineering projects for the twin houses;</li><li dir="ltr" style="color: #464d56;background-color: transparent;">Sell 7 of the 14 plots to other developers;</li><li dir="ltr" style="color: #464d56;background-color: transparent;">Start the sale process of the remaining 7 houses to end buyers.</li></ol>By doing it this way, the cash flow needed for this project is extremely low; hence the Project Owner needs it only to conclude the allotment infrastructure works. The construction of each house is assumed by the end buyer and their own equity or a bank loan. This means a possible early exit for our investors, depending only on sales.According to the attached appraisal, considering this tranche’s value, the ratio of the project's short-term liabilities to the collateral value (LTV) is 41%. The interest rate of the loan is 14% per annum.The loan period is 12 months, with a Project Owner's option to extend it by 6 months with the obligation to increase the interest rate by 2% for the extended period.The principal and interest payments will be made as a bullet payment at the end of the loan period. Or earlier if some of the plots are sold before the end of the loan period.The source of loan repayment is  the sale of real estate, plots or off-plan twin houses, or with the Project Owner's own capital.

With this tranche, the Project Owner aims to raise 43,200 Euros. In the first five tranches 206,800Euros were raised. The first-rank mortgage on a real estate property in Rua Alto Orengas, Recarei, Paredes, Portugal, secures the loan.The collateral includes 15 734 m2 of land with an allotment project submitted to the city hall of Paredes to divide it into 14 smaller plots and create a residential area with 12 twin houses and 2 individual family houses. This allotment project is expected to be licensed by the city hall by the end of 2023 (the customer already has the license).As per the attached appraisal, the estimated market value of the collateral is 611,000 Euros. The collateral belongs to one of the Project Owner’s shareholders, Mrs Maria Manuela dos Santos Teixeira Brandão. Together with her husband, Mr. Francisco Brandão and daughter, the architect Claudia Brandão they have decided to start the development of this project following the conclusion of the construction of another project funded by Crowdestate investors: Rua dos Amieiros, Pedroso in Vila Nova de Gaia. Part of the funds raised with this tranche might be used to repay the loan of the previous loans if the sale deed of Rua dos Amieiros, Pedroso, gets delayed. The remaining amount will be used to start the project’s infrastructure, architecture and engineering specialities projects in Rua Alto Orengas, Recarei, Paredes.Mansarda &amp; Mansão Lda, owned by the three family members, is the developing company for this project, and Mr. Francisco Brandão is the company director.Focusing on the development project, if the Project Owner doesn’t decide to use his additional equity in this project, the business plan for this land is the following:<ol style="font-size: 14px;"><li dir="ltr" style="background-color: transparent;">Obtain the allotment licence (License already issued);</li><li dir="ltr" style="background-color: transparent;">Start with developing the Architecture and Engineering projects for the twin houses;</li><li dir="ltr" style="background-color: transparent;">Sell 7 of the 14 plots to other developers;</li><li dir="ltr" style="background-color: transparent;">Start the sale process of the remaining 7 houses to end buyers.</li></ol>By doing it this way, the cash flow needed for this project is extremely low; hence the Project Owner needs it only to conclude the allotment infrastructure works. The construction of each house is assumed by the end buyer and their own equity or a bank loan. This means a possible early exit for our investors, depending only on sales.According to the attached appraisal, considering this tranche’s value, the ratio of the project's short-term liabilities to the collateral value (LTV) is 41%. The interest rate of the loan is 14% per annum.The loan period is 12 months, with a Project Owner's option to extend it by 6 months with the obligation to increase the interest rate by 2% for the extended period.The principal and interest payments will be made as a bullet payment at the end of the loan period. Or earlier if some of the plots are sold before the end of the loan period.The source of loan repayment is  the sale of real estate plots, or off-plan twin houses, or with the Project Owner's own capital.

Com este tranche, o Promotor do projeto pretende obter um financiamento de 43,200 euros. Nas duas primeiras tranches foram angariados 206,800 euros. A hipoteca de primeira ordem sobre um imóvel na Rua Alto Orengas, Recarei, Paredes, Portugal, garante o empréstimo.Este colateral inclui um terreno de 15 734 m2 com projeto de loteamento submetido à Câmara Municipal de Paredes para o dividir em 14 lotes mais pequenos e criar uma zona residencial com 12 moradias geminadas e 2 moradias familiares individuais. A previsão é que este projeto de loteamento seja licenciado pelo Município até o final de 2023.Conforme avaliação anexa, o valor de mercado estimado do terreno é de 611 mil euros.A garantia pertence a uma das acionistas do Proprietário do Projeto, a Sra. Maria Manuela dos Santos Teixeira Brandão. Juntamente com o marido, Sr. Francisco Brandão e a filha, a arquiteta Claudia Brandão decidiram iniciar o desenvolvimento deste projecto na sequência da conclusão da construção de outro empreendimento financiado por investidores Crowdestate: Rua dos Amieiros, Pedroso em Vila Nova de Gaia . Parte dos fundos angariados com esta tranche poderá ser utilizada para reembolsar o empréstimo dos empréstimos anteriores caso a escritura de venda da Rua dos Amieiros, Pedroso, sofra atraso. O restante valor será utilizado para iniciar os projetos de infraestruturas de arquitetura e especialidades de engenharia na Rua Alto Orengas, Recarei, Paredes.A Mansarda &amp; Mansão Lda é propriedade dos três membros desta família e é a empresa promotora deste projecto, sendo o Sr. Francisco Brandão o gerente.Focando no projeto em desenvolvimento, caso o Promotor não decida utilizar capital próprio adicional neste projeto, o plano de negócios para este terreno é o seguinte:<ol><li dir="ltr" style="color: #000000;background-color: transparent;">Obter a licença de loteamento (já emitida);</li><li dir="ltr" style="color: #000000;background-color: transparent;">Começar pelo desenvolvimento dos projetos de Arquitetura e Engenharia das moradias geminadas;</li><li dir="ltr" style="color: #000000;background-color: transparent;">Vender 7 dos 14 lotes para outros incorporadores;</li><li dir="ltr" style="color: #000000;background-color: transparent;">Iniciar processo de venda das restantes 7 casas aos compradores finais;</li></ol>Fazendo desta forma, o fluxo de caixa necessário para este projeto é extremamente baixo; portanto, o Promotor só precisa dele para concluir as obras de infraestrutura do loteamento. A construção de cada moradia é assumida pelo comprador final e com capitais próprios ou empréstimo bancário. Isso significa uma possível saída antecipada para nossos investidores, dependendo apenas das vendas.De acordo com a avaliação anexa, considerando o valor desta tranche, o rácio entre as responsabilidades de curto prazo do projeto e o valor da garantia (LTV) é de 41%.A taxa de juro do empréstimo é de 14% ao ano.O período do empréstimo é de 12 meses, com a opção do Promotor de prorrogá-lo por 6 meses com a obrigação de aumentar a taxa de juro em 2% pelo período prorrogado.O pagamento do capital e dos juros será efetuado no final do período do empréstimo. Ou se alguns dos terrenos forem vendidos, então será antes.A origem do reembolso do empréstimo acontecerá com a venda de outros imóveis, dos lotes e ou das moradias a construir, em planta, ou ainda com capitais próprios do Promotor.

Oportunidade de investimento em Portugal para promoção imobiliária considerando taxa de juro anual de 14%.

Oportunidade de investimento imobiliário | Rua Alto Orengas, Recarei, Paredes, Portugal

With this tranche, the Project Owner aims to raise 43,200 Euros. In the first five tranches 206,800Euros were raised. The first-rank mortgage on a real estate property in Rua Alto Orengas, Recarei, Paredes, Portugal, secures the loan.The collateral includes 15 734 m2 of land with an allotment project submitted to the city hall of Paredes to divide it into 14 smaller plots and create a residential area with 12 twin houses and 2 individual family houses. This allotment project is expected to be licensed by the city hall by the end of 2023 (the customer already has the license).As per the attached appraisal, the estimated market value of the collateral is 611,000 Euros. The collateral belongs to one of the Project Owner’s shareholders, Mrs Maria Manuela dos Santos Teixeira Brandão. Together with her husband, Mr. Francisco Brandão and daughter, the architect Claudia Brandão they have decided to start the development of this project following the conclusion of the construction of another project funded by Crowdestate investors: Rua dos Amieiros, Pedroso in Vila Nova de Gaia. Part of the funds raised with this tranche might be used to repay the loan of the previous loans if the sale deed of Rua dos Amieiros, Pedroso, gets delayed. The remaining amount will be used to start the project’s infrastructure, architecture and engineering specialities projects in Rua Alto Orengas, Recarei, Paredes.Mansarda &amp; Mansão Lda, owned by the three family members, is the developing company for this project, and Mr. Francisco Brandão is the company director.Focusing on the development project, if the Project Owner doesn’t decide to use his additional equity in this project, the business plan for this land is the following:<ol><li dir="ltr" style="font-size: 10.5pt;color: #464d56;background-color: transparent;vertical-align: baseline;">Obtain the allotment licence (License already issued);</li><li dir="ltr" style="font-size: 10.5pt;color: #464d56;background-color: transparent;vertical-align: baseline;">Start with developing the Architecture and Engineering projects for the twin houses;</li><li dir="ltr" style="font-size: 10.5pt;color: #464d56;background-color: transparent;vertical-align: baseline;">Sell 7 of the 14 plots to other developers;</li><li dir="ltr" style="font-size: 10.5pt;color: #464d56;background-color: transparent;vertical-align: baseline;">Start the sale process of the remaining 7 houses to end buyers.</li></ol>By doing it this way, the cash flow needed for this project is extremely low; hence the Project Owner needs it only to conclude the allotment infrastructure works. The construction of each house is assumed by the end buyer and their own equity or a bank loan. This means a possible early exit for our investors, depending only on sales.According to the attached appraisal, considering this tranche’s value, the ratio of the project's short-term liabilities to the collateral value (LTV) is 41%. The interest rate of the loan is 14% per annum.The loan period is 12 months, with a Project Owner's option to extend it by 6 months with the obligation to increase the interest rate by 2% for the extended period.The principal and interest payments will be made as a bullet payment at the end of the loan period. Or earlier if some of the plots are sold before the end of the loan period.The source of loan repayment is  the sale of real estate plots, or off-plan twin houses, or with the Project Owner's own capital.

Rahastuseesmärk:	€ 43200
Oodatav tootlus:	14 % aastas
Investeerimisperiood:	12 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk 41%
Capital stack:	Tagatud laen

Rua Alto Orengas, Recarei, Paredes, PT (VI)

Rahastatud investeeringud