With this project, the Project Owner aims to raise 150,000 Euros in two tranches, 75,000 Euros each. The first-rank mortgage on a real estate property in Rua dos Amieiros, Pedroso, Vila Nova de Gaia, Portugal, secures the loan.The collateral includes a 3 000 m2 plot of land with an individual house, a garden and a swimming pool. This project is expected to be concluded by the beginning of 2023 with the final usage license.As per the attached appraisal, the estimated market value of the collateral is 393,500 Euros. Through this, the first round of funding, the Project Owner wants to raise 75,000 Euros out of 150,000 Euros. The remaining loan amount will be mobilized through the next funding round.The collateral belongs to one of the Project Owner’s shareholders, the architect Claudia Brandão. She bought the land and licensed the construction of the individual house. When the construction process started, the Project Owner’s company, Mansarda &amp; Mansão Lda, was incorporated, the shareholders being Claudia’s father and mother. They started to invest their equity in the construction of the house. Now the house is 60% built and needs some finishing touches to get to the stage where it can apply for a housing permit at the City Hall.According to the attached appraisal, considering this tranche’s value, the ratio of the project's short-term liabilities to the value of the collateral (LTV) is 19%. Therefore, after the next tranche, the maximum LTV for this project is 32%.The interest rate of the loan is 12% per annum.The loan period is 9 months, with a Project Owner's option to extend it by 3 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 if the house gets sold, then earlier.The source of loan repayment will happen with the sale of real estate.

Real estate investing opportunity in Portugal for property development offering 12% annual interest rate.

Investing in real estate opportunity | Rua dos Amieiros, Pedroso, Vila Nova de Gaia, Portugal

Meie järgmise investeerimisvõimalusega avaneb meie investoritele võimalus aidata Projektiomanikul kaasata 150,000 eurot. Projekt jagatakse kaheks 75,000 euro suuruseks rahastusvooruks ning tagatakse Portugalis, Rua dos Amieiros, Pedroso, Vila Nova de Gaia’s asuvale kinnisvarale seatud esimese järjekoha hüpoteegiga.Tagatis hõlmab 3,000 m2 suurust maa-ala, millel on üksikelamu koos aia ja basseiniga. See projekt peaks lõppema 2023. aasta alguseks, selleks ajaks saadakse ka lõplik kasutusluba.Projektile lisatud hindamisakti kohaselt on tagatise hinnanguline turuväärtus 393,500 eurot. Esimese rahastusvooruga soovib projekti omanik koguda 75,000 eurot 150,000 euro suurusest kogusummast. Teine pool laenust kogutakse järgmises voorus.Tagatis kuulub ühele Projektiomaniku aktsionärile, arhitekt Claudia Brandãole. Tema ostis maa ning hankis ehitusloa eramu ehituseks kinnistule. Kui ehitusprotsess algas, asutati projektiomaniku ettevõte, Mansarda &amp; Mansão Lda, mille aktsionärideks on Claudia isa ja ema. Ehitustegevust alustati omakapitali arvelt. Nüüdseks on maja valminud 60% ulatuses.Lisatud hindamisakti kohaselt, arvestades selle rahastusvooru väärtust, on projekti lühiajaliste kohustuste ja tagatise väärtuse suhe (LTV) 19%. Seega on pärast järgmist vooru selle projekti maksimaalne LTV 32%.Laenu intressimäär on 12% aastas.Laenuperiood on 9 kuud, kusjuures Projektiomanikul on võimalus seda 3 kuu võrra pikendada, kohustusega tõsta intressimäära 2% võrra pikendatud perioodi ajaks.Põhiosa ja intressimakse tehakse ühekordse maksena laenuperioodi lõpus või varem, pärast maja müümist. Laenu tagasimakse toimub kinnistu müügist.

Võimalus investeerida kinnisvarasse Portugalis kinnisvara arendamiseks, pakkudes 12% aastaintressi.

Võimalus investeerida kinnisvarasse | Rua dos Amieiros, Pedroso, Vila Nova de Gaia, Portugal

Portugal

Euro

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Rua dos Amieiros, Pedroso (I)

Rahastuseesmärk:	€ 75000
Oodatav tootlus:	12 % aastas
Investeerimisperiood:	13 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Rua dos Amieiros, Pedroso (I)

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