With this investment opportunity, the Crowdestate investors have the opportunity to invest in a secured mortgage loan in the amount of 100 000 Euros.The purpose of the loan is to provide capital for the project licensing and for the start of the infrastructure construction works in the property located in Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.This property is in the licensing process of being divided into 3 plots. For the first 2 plots, 2 twin villas will be built and on the 3rd one an individual house. In order to secure this loan of 100 000 Euros, the Sponsor is offering the first-rank mortgage over the existing land. This same land will be used to secure another 100 000 Euros loan for another project from the same Sponsor called <a href="https://crowdestate.eu/opportunity/Heliantia_House_Valadares_Gaia" target="">Heliantia House</a>. According to the attached appraisal, the estimated market value of this collateral is 330 000 Euros. Therefore, considering the 1st rank mortgage of 200 000 Euros, if Crowdestate investors fund the total amount, we reach an LTV of 62%.The interest rate of the loan is 10% per annum, paid semiannually.The loan period is 18 months, with a Sponsor's option to extend the loan period by 3 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The loan will be repaid from the sale of the property, refinancing, or the Sponsor's operating revenues.

Arana_Biovillas_Gulpilhares_Gaia

With this investment opportunity, the Crowdestate investors have the opportunity to invest in a secured mortgage loan in the amount of 100 000 Euros.The purpose of the loan is to provide capital for the project licensing and for the start of the infrastructure construction works in the property located in Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.This property is in the licensing process of being divided into 3 plots. For the first 2 plots, 2 twin villas will be built and on the 3rd one an individual house. To secure this loan of 100 000 Euros, the Sponsor is offering the first-rank mortgage over the existing land. This same land will be used to secure another 100 000 Euros loan for another project called <a href="https://crowdestate.eu/opportunity/Heliantia_House_Valadares_Gaia" target="">Heliantia House</a>. According to the attached appraisal, the estimated market value of this collateral is 330 000 Euros. Therefore, considering the 1st rank mortgage of 200 000 Euros, if Crowdestate investors fund the total amount, we reach an LTV of 62%.The interest rate of the loan is 10% per annum, paid semiannually.The loan period is 18 months, with a Sponsor's option to extend the loan period by 3 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The loan will be repaid from the sale of the property, refinancing, or the Sponsor's operating revenues.

With this investment opportunity, the Crowdestate investors have the opportunity to invest in a secured mortgage loan in the amount of 100 000 Euros.The purpose of the loan is to provide capital for the project licensing and for the start of the infrastructure construction works in the property located in Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.This property is in the licensing process of being divided into 3 plots. For the first 2 plots, 2 twin villas will be built and on the 3rd one an individual house. In order to secure this loan of 100 000 Euros, the Sponsor is offering the first-rank mortgage over the existing land. This same land will be used to secure another 100 000 Euros loan for another project from the same Sponsor called <a href="https://crowdestate.eu/opportunity/Heliantia_House_Valadares_Gaia" target="">Heliantia House</a>. According to the attached appraisal, the estimated market value of this collateral is 330 000 Euros. Therefore, considering the 1st rank mortgage of 200 000 Euros, if Crowdestate investors fund the total amount, we reach an LTV of 62%.The interest rate of the loan is 10% per annum, paid semiannually.The loan period is 18 months, with a Sponsor's option to extend the loan period by 3 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The loan will be repaid from the sale of the property, refinancing, or the Sponsor's operating revenues.

Käesolevaks investeerimisvõimaluseks on hüpoteegiga tagatud laen summas EUR 100,000. Laenu eesmärk on finantseerida arendusprojekti ehitusloa protsessi ning infrasturktuuri rajamise alustamist. Projekt asub aadressil Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.Kinnistu jagatakse 3-ks krundiks. Kahele krundile ehitatakse paarisvillad, ühele krundile eramu. Kokku ehitatakse 5 ühikut elamispinda.Laenu tagatiseks on 1. järjekoha hüpoteek arendatavale kinnistule. Seda sama maad kasutatakse veel ühe 100 000 euro suuruse laenu tagamiseks samalt sponsorilt teisele projektile <a href="https://crowdestate.eu/opportunity/Heliantia_House_Valadares_Gaia" target="">Heliantia House</a>. Vastavalt lisatud hindamisaktile on kinnistu praeguseks väärtuseks EUR 330,000. Arvestades seda, moodustub laenusumma ja tagatisvara väärtuse suhteks (LTV) 62%.Fikseeritud intressimääraks on 10% aasta baasil, intressimakseid tehakse 2 korda aastas. Laenuperioodiks on 18 kuud. Sponsoril on õhepoolne õigus pikendada laenuperioodi ühe korra 3 kuu pikkuseks perioodiks, makstes pikendusperioodi vältel 2% võrra kõrgemat intressi.Laenu põhiosa tagastatakse laenuperioodi lõpus. Tagasimakse allikaks on kinnistu müük, refinantseerimine või Sponsori teistest projektidest vabanev rahavoog.

Portugal

Rahastuseesmärk:	€ 100000
Oodatav tootlus:	10 % aastas
Investeerimisperiood:	18 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Arana BioVillas, Vila Nova de Gaia

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