With this project, the Crowdestate investors will have the opportunity to invest in a mortgage-secured senior loan for a maximum of EUR 175,000 arranged in 1 tranche. The funds will be used partially to refinance current obligations and partially to finance the refurbishment of the property.To secure the loan, the Project Owner offers the first-rank mortgage over two office spaces already completed within the residential project named “21 Popa Nan”, located in a very good area of Bucharest. The offices are developed on the ground floor with a total usable area of 224,39 sqm. According to the attached appraisal, the market value of this collateral is EUR 385,000 (evaluated by Neoval Consulting Romania). Therefore, the LTV for this loan is ~45%.The loan period for this opportunity is 10 months, with a Project Owner’s option to extend the loan period by 6 months. The interest rate of the loan is 13,5% per annum. If the Project Owner uses the right to extend the loan, the interest rate for the extension rate is 15,5%. The principal and interest payments will be made at the end of the loan period.The loan will be repaid by selling the 2 office spaces, selling other assets owned by the Project Owner or refinancing from a local bank.

Real estate investment opportunity in Romania, mortgage-backed 10 month loan offering 13.5% annual interest rate.

Investment opportunity | LTV ~45% I 13.5% return p.a.

Investment opportunity | Popa Nan 21, District 2, Bucharest | LTV ~45%

Meie järgmise projektiga on Crowdestate'i investoritel võimalus investeerida hüpoteegiga tagatud laenu, kogusummas kuni 175,000 eurot. Kaasatud vahendeid kasutatakse osaliselt olemasolevate kohustuste refinantseerimiseks ja osaliselt tagatisvara renoveerimiseks. Laenu tagatiseks seatakse esimese järjekoha hüpoteek kahele büroopinnale, mis asuvad Bukaresti väga heas piirkonnas asuvas elukondlikus projektis &#34;21 Popa Nan&#34;. Hoone esimesel korrusel asuvad büroopinnad on välja ehitatud ja nende kasuliku pinna suuruseks on 224,39 m2. Lisatud Neoval Consulting Rumeenia hindamisakti kohaselt on antud tagatisvara turuväärtuseks 385,000 eurot, moodustades laenu LTVks ~45%.Laenuperioodiks on 10 kuud, kusjuures Projektiomanikul on võimalus laenuperioodi pikendada 6 kuu võrra. Laenu intressimäär on 13,5% aastas. Kui Projektiomanik kasutab laenu pikendamise õigust, on pikendusperioodi vältel laenu intressimäär 15,5%. Põhi- ja intressimaksed tehakse laenuperioodi lõpus.Laenu tagastamine toimub kahe büroopinna müügi, Projektiomaniku muude varade müügi või kohalikust pangast refinantseerimise arvelt.

Prin intermediul acestei oportunitati de investitie, investitorii Crowdestate vor avea oportunitatea de a investi intr-un imprumut senior in suma totala de  EUR 175.000 acordat intr-o singura transa. Sumele vor fi partial  utilizate pentru refinantarea obligatiilor curente , dar si  pentru renovarea proprietatii. Pentru a garanta imprumutul, Sponsorul ofera ipoteca de rangul 1 asupra 2 spatii de birouri deja finalizate din cadrul proiectului rezidential “Popa Nan 21” situat intr-o zona centrala a Bucurestiului. Spatiile de birouri sunt dezvoltate la parterul cladirii cu o suprafata utila totala de 224.39 mp. Conform raportului de evaluare atasat, valoarea de piata a garantiei este de 385.000 EUR (raport intocmit de Neoval Consulting Romania). Prin urmare, LTV-ul pentru acest imprumut este de ~45%.Durata investitiei pentru acest imprumut este de 10 luni, Sponsorul avand optiunea de a prelungi perioada cu alte 6 luni, daca va fi cazul.  Rata dobanzii este de 13.5% pe an. Daca Sponsorul isi foloseste dreptul de a prelungi perioada imprumutului, rata dobanzii pentru perioada prelungita va fi de 15.5% pe an.  Plata principalului si a dobanzii se va face la finalul perioadei imprumutului. Plata se va face din vanzarea celor 2 spatii de birouri, a altor active detinute de Sponsor sau refinantare de la o banca locala.

Rahastuseesmärk:	€ 175000
Oodatav tootlus:	13.5 % aastas
Investeerimisperiood:	12 kuud
Riskikategooria:	A Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Str. Popa Nan 21, București

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