With this investment opportunity, the Crowdestate investors have the opportunity to invest in a mortgage-secured construction loan in the amount of 15 000 Euros.The Sponsor aims to raise a total of 80 000 Euros by providing the first-rank mortgage on a property in Lugar da Biqueira, Sameice, Seia in Portugal. The purpose of the loan is to provide capital for the renovation works of an individual house in Sameice, Seia, Portugal.The estimated market value of the collateral is 89 600 Euros, considering the 15 000 Euros from the <a href="https://crowdestate.eu/opportunity/Lugar_Biqueira_Sameice_Seia_PT" target="">1st tranche</a>, 30 000 Euros from the <a href="https://crowdestate.eu/opportunity/Lugar_Biqueira_Sameice_Seia_PT_II" target="">2nd tranche</a> and 20 000 Euros from the <a href="https://crowdestate.eu/opportunity/Lugar_Biqueira_Sameice_Seia_PT_III" target="">3rd tranche</a> were invested in the property.The first-rank mortgage on the above-mentioned real estate is used as collateral for the loan. Accordingly, the LTV of this fourth financing round is 70% after the tranche payment.This house is pre-sold under a CPCV (promissory sale and purchase agreement), and a 25 000 Euros down payment was collected.The interest rate of the loan is 11% per annum.The loan period is 9 months, with a Sponsor's option to extend it by 6 months with the obligation to increase the interest rate by 2% for the extended period.The loan will be repaid from the sale of the property after the renovation works are completed.The principal and interest payments will be made at the end of the loan period. The withholding tax rate for all projects based in Portugal is 10% for all investors.

Real estate investing opportunity in Portugal for property development offering 11% annual interest rate.

Investing in real estate opportunity | Lugar da Biqueira, in Semeice, Seia, Portugal

With this investment opportunity, the Crowdestate investors have the opportunity to invest in a mortgage-secured construction loan in the amount of 15 000 Euros.The Sponsor aims to raise a total of 80 000 Euros by providing the first-rank mortgage on a property in Lugar da Biqueira, Sameice, Seia in Portugal. The purpose of the loan is to provide capital for the renovation works of an individual house in Sameice, Seia, Portugal.The estimated market value of the collateral is 89 600 Euros, considering the 15 000 Euros from the <a href="https://crowdestate.eu/opportunity/Lugar_Biqueira_Sameice_Seia_PT" target="">1st tranche</a>, 30 000 Euros from the <a href="https://crowdestate.eu/opportunity/Lugar_Biqueira_Sameice_Seia_PT_II" target="">2nd tranche</a> and 20 000 Euros from the <a href="https://crowdestate.eu/opportunity/Lugar_Biqueira_Sameice_Seia_PT_III" target="">3rd tranche</a> were invested in the property.The first-rank mortgage on the above-mentioned real estate is used as collateral for the loan. Accordingly, the LTV of this fourth financing round is 70% after the tranche payment.This house is pre-sold under a CPCV (promissory sale and purchase agreement), and a 25 000 Euros down payment was collected.The interest rate of the loan is 11% per annum.The loan period is 9 months, with a Sponsor's option to extend it by 6 months with the obligation to increase the interest rate by 2% for the extended period.The loan will be repaid from the sale of the property after the renovation works are completed.The principal and interest payments will be made at the end of the loan period.  The withholding tax rate for all projects based in Portugal is 10% for all investors.

Meie järgmise projektiga on Crowdestate'i investoritel võimalus investeerida hüpoteegiga tagatud ehituslaenu summas 15,000 eurot.Projektiomaniku soovib kaasata 80,000 eurot, tagades Portugalis, Lugar da Biqueira, Sameice, Seia’s asuvat kinnistut esimese järjekoha hüpoteegiga. Laenu eesmärgiks on rahastada Portugalis, Sameice'is, Seia's, asuva eramu renoveerimistöid.Tagatise hinnanguline turuväärtus on 89,600 eurot, võttes arvesse ka kinnistusse investeeritud 15,000 eurot esimeses, 30,000 eurot teises ning 20,000 eurot kolmandas rahastusvoorus.Laenu tagatisena kasutatakse eespool nimetatud kinnistule seatud esimese järjekoha hüpoteeki. Ülejäänud rahastusvoorud makstakse välja pärast ehitusaruande esitamist.Seega on neljanda rahastusvooru LTV pärast väljamakset 70%.Maja on eelmüüdud võlaõigusliku müügilepingu alusel ja 25,000 euro suurune ettemakse on tasutud.Laenu intressimäär on 11% aastas.Laenuperiood on 9 kuud, kusjuures Projektiomanikul on võimalus seda 6 kuu võrra pikendada, kohustusega tõsta intressimäära 2% võrra pikendatud perioodi ajaks.Laen makstakse tagasi kinnistu müügist pärast renoveerimistööde lõpetamist.Põhiosa- ja intressimaksed tehakse laenuperioodi lõpus. Kõigi Portugalis asuvate projektide kinnipeetav maksumäär on 10% kõikidele investoritele.

Võimalus investeerida kinnisvarasse Portugalis kinnisvara arendamiseks, pakkudes 11% aastaintressi.

Rahastuseesmärk:	€ 15000
Oodatav tootlus:	11 % aastas
Investeerimisperiood:	9 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Lugar da Biqueira, Sameice, Seia (IV)

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