The goal for this opportunity is to finance the construction of 4 individual houses on a total land of 2236 sqm, situated at 15 Zori de zi street, Balotesti, Ilfov county, Romania. Crowdestate investors will have the opportunity to invest in a mortgaged secured senior construction loan (for more information regarding senior debt, please check out this blog post - <a href="https://blog.crowdestate.eu/en/2020/secured-loan-definition/">https://blog.crowdestate.eu/en/2020/secured-loan-definition/</a>) in a total amount of EUR 440,000, arranged in 3 tranches, based on the progression of works and the presales. This is the 1st tranche of the investment opportunity for EUR 170,000. The source of reimbursement will be the sale of the houses when finalized. At this moment, 2 houses out of the total 4 houses of the 1st phase are pre-contracted and expected to be delivered between September 2022 - October 2022. The second possible source of reimbursement can be refinancing from one of the banks operating in Romania.  The investment tenor for this tranche is up to 12 months. The interest rate is 13% p.a. and it will be paid upon the selling of the objective, partially or in whole, together with the principal, but no later than the loan’s maturity. The loan will be secured with a 1st rank mortgage on the land and future buildings. The land &amp; existing structures of the first 4 houses, that are in various stages of development at this moment, have been evaluated for EUR 355,963 by SVN Research &amp; Evaluation Advisors, therefore the LTV for the 1st tranche is 47,75%.

Real estate investment opportunity in Romania for property development, secured by residential land plots and existing constructions and offering 13% annual interest rate.

Investment opportunity | Romanian Village 15, Balotesti, Ilfov, Romania

Käesoleva investeerimisprojekti eesmärgiks on rahastada 4 eramu ehituskulusid. Kinnistud asuvad Bukaresti eeslinnas, Zori de zi tänav 15, Balotesti asulas, Ilfovi maakonnas, Rumeenias. Crowdestate’ investoritel on  võimalus investeerida hüpoteegiga tagatud arenduslaenu kujul kokku summas EUR 440,000. Rahastus korraldatakse 3 rahastusvooru kaudu, vastavalt ehitustööde edenemisele ja ettemüügile. Käesoleva, 1. rahastusvooru eesmärgiks on kaasata EUR 170,000.Laenu tagastamise allikaks on lõpetatud majade müügist saadav tulu. Hetkel on 1. etapi 4 majast 2 maja eelleping sõlmitud ja Eeldatavasti lõpevad ehitustööd 2022. a. Septembris-oktoobris. Alternatiivseks võimaluseks on lõpetatud majade refinantseerimine pangalaenu abil. Laenuperioodiks on 12 kuud. Intressimääraks on 13% aasta baasil. Regulaarseid intressimakseid ei tehta. Laenu põhisumma ja kogunenud intressid makstakse välja kas laenuperiodi lõpus või vastavalt majade müügile.Laenu tagatisvaraks on arendatavad kinnistud. 4 kinnistu pindala kokku on 2236 m2. Arendatavad majad on erinevates ehitusjärkudes. Vastavalt hindamisaktile on arenduse väärtuseks praeguses faasis EUR 355,963, moodustades LTV 47,75%.

Obiectivul acestei oportunitati de investitie este finantarea constructiei a 4 case individuale pe 4 loturi de teren in suprafata totala de 2236 mp situat in Balotesti, Str. Zori de zi, nr. 15, Jud. Ilfov, Romania. Investitorii Crowdestate vor avea oportunitatea de a investi intr-un imprumut senior pentru constructie in suma totala de 440.000 EUR, acordat în 3 transe, in functie de progresul lucrarilor si de avansurile incasate. Aceasta este prima transa in suma de 170.000 EUR. Sursa de rambursare va fi vânzarea caselor  la momentul finalizarii acestora.  La data prezentei,  2 case din totalul celor 4 case aferente primei faze a proiectului sunt pre-contractate si se asteapta ca finalizarea acestora sa se realizeze in perioada Septembrie - Octombrie 2022. A doua posibila sursa de rambursare poate fi refinantarea prin intermediul unei banci din România. Durata investitiei pentru aceasta transă este de pana la 12 luni. Rata dobânzii este de 13% pe an si va fi platita la vânzarea obiectivului, partial sau integral, impreuna cu principalul, dar nu mai tarziu de maturitatea creditului. Imprumutul va fi garantat cu ipoteca de rang 1 pe teren si constructiile viitoare. Terenul si constructiile existente ale primelor 4 case, care se afla în diverse stadii de dezvoltare au fost evaluate pentru suma de 355.963 EUR de catre SVN Research &amp; Evaluation Advisors, prin urmare LTV-ul pentru prima transa este de 47.75%.

Oportunitate investitie pe piata imobiliara - 4 case individuale in Balotesti, Ilfov, Romania

Rahastuseesmärk:	€ 170000
Oodatav tootlus:	13 % aastas
Investeerimisperiood:	16 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Romanian Village 15, Balotești (I)

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