Our new project offers an opportunity to finance the construction of the extension of Helme retirement home. The Sponsor has been providing care for the elderly in the current 75-bed retirement home since 2014. To meet the growing demand, the Sponsor has acquired the adjacent building, which can be converted into a 160-bed retirement home. Helme retirement home is located in Helme borough, Valga County, approx. 2 km from city of Tõrva. It is a beautiful place next to Helme primeval valley and manor park.The Sponsor has started construction works and funded it so far from its own resources. The total construction cost of the project is EUR 1.16 million, of which EUR 150,000 will be covered by the PRIA fund, EUR 210,000 is the Sponsor's own equity and EUR 800,000 will be Crowdestate investors' loan. The construction will be financed in stages and the amount to be raised in this first funding round is EUR 250,000 (minimum target EUR 100,000). Together with the non-refundable grant from PRIA fund (Agricultural Registers and Information Board) and the loan of Crowdestate investors, the Sponsor plans to build 60-bed retirement home in the first phase and open it in 4th quarter of 2020. In the second phase, another 40 beds will be added. Another 60 beds will initially stay in reserve and will be built as additional demand arises. The Sponsor has a contract with Tõrva municipality for 35 beds and queue for care services is 25 people. Thus, when a new retirement home is opened, 60 places would be filled immediately. &#65279;Loan interest is 12% on an annual basis and the first interest payment is due in 12 months. The investment period is 18 months, plus a double 6-month extension option (interest 13% after the first extension and 15% after the second extension). Investors' loans are secured by a 1st mortgage on a property under renovation, a guarantee from AS Helme Pansionaat (the operator of 75-bed retirement home) and a personal surety of the Sponsor's key person Sven Allas. Crowdestate investors' loan will be repaid by refinancing with a long-term bank loan. The Sponsor's current 75-bed retirement home has been financed by Swedbank, which has also expressed its willingness to refinance the construction loan after obtaining of the permit of use and when retirement home is operational.&#65279;

Hüpoteegiga tagatud 18-kuuline ehituslaen 12% tulususega aastas

Investeerimisvõimalus | Helme Hooldekodu

Our new project offers an opportunity to finance the construction of the extension of Helme retirement home. The Sponsor has been providing care for the elderly in the current 75-bed retirement home since 2014. To meet the growing demand, the Sponsor has acquired the adjacent building, which can be converted into a 160-bed retirement home. Helme retirement home is located in Helme borough, Valga County, approx. 2 km from city of Tõrva. It is a beautiful place next to Helme primeval valley and manor park.The Sponsor has started construction works and funded it so far from its own resources. The total construction cost of the project is EUR 1.16 million, of which EUR 150,000 will be covered by the PRIA fund, EUR 210,000 is the Sponsor's own equity and EUR 800,000 will be Crowdestate investors' loan. The construction will be financed in stages and the amount to be raised in this first funding round is EUR 250,000 (minimum target EUR 100,000). Together with the non-refundable grant from PRIA fund (Agricultural Registers and Information Board) and the loan of Crowdestate investors, the Sponsor plans to build 60-bed retirement home in the first phase and open it in 4th quarter of 2020. In the second phase, another 40 beds will be added. Another 60 beds will initially stay in reserve and will be built as additional demand arises. The Sponsor has a contract with Tõrva municipality for 35 beds and queue for care services is 25 people. Thus, when a new retirement home is opened, 60 places would be filled immediately. &#65279;Loan interest is 12% on an annual basis and the first interest payment is due in 12 months. The investment period is 18 months, plus a double 6-month extension option (interest 13% after the first extension and 15% after the second extension). Investors' loans are secured by a 1st mortgage on a property under renovation, a guarantee from AS Helme Pansionaat (the operator of 75-bed retirement home) and a personal surety of the Sponsor's key person Sven Allas. Crowdestate investors' loan will be repaid by refinancing with a long-term bank loan. The Sponsor's current 75-bed retirement home has been financed by Swedbank, which has also expressed its willingness to refinance the construction loan after obtaining of the permit of use and when retirement home is operational.&#65279;<div></div>

Mortgage secured construction loan with interest rate 12% p.a.

Meie uus projekt pakub võimalust rahastada <a href="https://helmepansionaat.ee/" target="">Helme Pansionaadi</a> laienduse ehitust. Sponsor on osutanud vanurite hooldusteenust senises 75-kohalises hooldekodus alates 2014. aastast. Kasvava nõudluse rahuldamiseks on Sponsor soetanud naaberkinnistul endise kutseõppekeskuse hoone, mida on võimalik ehitada ümber 160-kohaliseks hooldekoduks. Helme Pansionaat asub Valgamaal Helme alevikus, Helme ürgoru ja mõisapargi kõrval, u. 2 km kaugusel Tõrva linnast. Suuremate Lõuna-Eesti tõmbekeskuste kaugused on järgmised: Tartu 72 km, Valga 32 km, Põlva 87 km, Võru 82 km ja Jõgeva 121 km.Sponsor on ehitustöödega algust teinud ning rahastanud hooldekodu laiendust omavahenditest summas 210 000 eurot. Projekti ehituse maksumus kokku on 1,16 miljonit eurot, millest 150 000 eurot katab PRIA, 210 000 eurot on Sponsori omaosalus ja Crowdestate’i investorite finantseering 800 000 eurot. Ehitust finantseeritakse etapiviisiliselt ning käesolevas esimeses rahastamisvoorus plaanitakse kaasata 250 000 eurot (miinimumeesmärk 100 000 eurot). Esmalt luuakse ümberehituse käigus 60 voodikohta ja võetakse  need kasutusse IV kvartalis 2020. Teises etapis ehitatakse välja veel 40 voodikohta. 60 kohta jääb esialgu reservi ja see ehitatakse välja täiendava nõudluse tekkides. Sponsoril on leping Tõrva vallaga 35 voodikohale ja praeguses hooldekodu teenuse järjekorras on 25 inimest. Seega, uue hooldekodu avamisel oleks kohe 60 kohta täidetud.Laenu intress on 12% aasta baasil ja esimene intressimakse toimub 12 kuu möödudes laenusumma väljastamisest. Investeerimisperiood on 18 kuud, millele lisandub 6 kuuline kahekordne pikendamise võimalus (intress peale esimest pikendamist 13% ja peale teist pikendamist 15%). Investorite laenud on tagatud 1. järjekoha hüpoteegiga renoveeritava hoonega kinnistule, AS Helme Pansionaat käendusega ja Sponsori võtmeisiku Sven Allas’e isikliku käendusega. Crowdestate’i investorite laenu tagasimakse toimub projekti käivitumise järgselt pikaajalise pangalaenuga refinantseerimise teel. Sponsori senist 75-kohalist Helme Pansionaati on finantseerinud Swedbank, kes on ka avaldanud valmisolekut refinantseerida ehituslaen peale kasutus- ja tegevusloa saamist.

Hüpoteegiga tagatud 18-kuuline ehituslaen intressiga 12% aastas

La nuova opportunità di investimento permette di finanziare le opere di ampliamento della RSA (casa di riposo) di Helme, nel sud dell'Estonia. Dal 2014 la società Sponsor si occupa dell'assistenza agli anziani nell'attuale casa di riposo con 75 posti letto. Per soddisfare la crescente domanda, lo Sponsor ha acquistato l'edificio adiacente, che può essere trasformato in una casa di riposo da 160 posti letto. La casa di riposo Helme si trova nella contea di Valga, nel sud dell'Estonia. È un bel posto vicino alla valle primordiale di Helme e al parco del maniero. Lo Sponsor ha iniziato i lavori di costruzione e ha finanziato finora utilizzando risorse proprie. Il costo totale di costruzione del progetto è di 1,16 milioni di Euro, di cui 150.000 Euro saranno coperti dal fondo PRIA, 210.000 Euro sono il capitale proprio dello Sponsor e 800.000 euro sarà l'entità del prestito tramite Crowdestate. La costruzione sarà finanziata per fasi e l'importo da raccogliere in questa prima tranche di raccolta fondi è di 250.000 EUR. Insieme alla sovvenzione a fondo perduto del fondo PRIA (Agricultural Registers and Information Board) e al prestito degli investitori di Crowdestate, lo Sponsor prevede di costruire una casa di riposo con 60 posti letto nella prima fase e di aprirla nel settembre 2020. Nella seconda fase, saranno aggiunti altri 40 posti letto. Altri 60 posti letto rimarranno inizialmente in stand-by e verranno costruiti in funzione della domanda aggiuntiva. Il prestito offre un interesse pari all'12% su base annua e il primo pagamento degli interessi è previsto entro 12 mesi. Il periodo di investimento è di 18 mesi, più una doppia opzione di proroga di 6 mesi (l'interesse salirà al 13% dopo la prima proroga e al 15% dopo la seconda). I prestiti degli investitori sono garantiti da un'ipoteca di primo grado sull'immobile in fase di ristrutturazione, da una garanzia di AS Helme Pansionaat (gestore di una casa di riposo con 75 posti letto) e da una garanzia personale del titolare della società Sponsor, Sven Allas. Il prestito degli investitori di Crowdestate sarà rimborsato mediante un rifinanziamento con un prestito bancario a lungo termine. L'attuale casa di riposo con 75 posti letto dello Sponsor è stata infatti finanziata da Swedbank, che ha anche espresso la sua volontà di rifinanziare il prestito per la costruzione dopo aver ottenuto il permesso di utilizzo e quando la casa di riposo sarà operativa.

Rahastuseesmärk:	€ 250000
Oodatav tootlus:	12 % aastas
Investeerimisperiood:	23 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Helme Hooldekodu (I)

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