Our new project offers investors the opportunity to participate in financing of infrastructure construction of Veskimöldre-2 residential area in the amount of 950,000 euros. In Veskimöldre-2 project, roads and communications have been built and sale of plots is in progress - 35% of plots is sold. The Sponsor has already invested EUR 10 million and there is yet to meet the investment commitment of EUR 1.2 million agreed with the municipality in the planning process, for which a loan from Crowdestate investors is being partially financed. Funding is provided in three parts. Current first round funding is in amount of EUR 500,000. The investment is secured by a 3rd ranking mortgage on 117 residential plots (197,171 m2) valued at EUR 10.6 million (excluding VAT). The balance of the first and second ranking mortgage loan is EUR 4 million. LTV of the project is 47% (the ratio of mortgage-secured loans to value of 117 properties). In addition to the mortgage,  parent company Brave Capital OÜ provides a guarantee of EUR 200,000. Crowdestate investors' loan bears an interest rate of 15% per annum. Interest payments are quarterly and the principal amount will be returned from the sales income of residential plots of Veskimöldre-2 - 20% from the sales value (excluding VAT) of each plot will be transferred as repayment of Crowdestate investors' loan.The investment period is up to 24 months. The expected return (IRR) on a loan with quarterly interest payments is 16.1%. The development of Veskimöldre-2 residential area includes 167 single-family house plots, 121 row house apartments, a supermarket, dining places, health trails, schoolhouse. Residential plots are priced between EUR 90,000 and EUR 160,000 (average EUR 115,000) and average plot size is 1606 m2.

Residential land development, residential real estate investment, 24 months, interest rate 15% p.a.

Veskimoldre 2

Our new project offers investors the opportunity to participate in financing of infrastructure construction of Veskimöldre-2 residential area in the amount of 950,000 euros. In Veskimöldre-2 project, roads and communications have been built and sale of plots is in progress - 35% of plots is sold. The Sponsor has already invested EUR 10 million and there is yet to meet the investment commitment of EUR 1.2 million agreed with the municipality in the planning process, for which a loan from Crowdestate investors is being partially financed. Funding is provided in three parts. Current first round funding is in amount of EUR 500,000. The investment is secured by a 3rd ranking mortgage on 117 residential plots (197,171 m2) valued at EUR 10.6 million (excluding VAT). The balance of the first and second ranking mortgage loan is EUR 4 million. LTV of the project is 47% (the ratio of mortgage-secured loans to value of 117 properties). In addition to the mortgage,  parent company Brave Capital OÜ provides a guarantee of EUR 200,000. Crowdestate investors' loan bears an interest rate of 15% per annum. Interest payments are quarterly and the principal amount will be returned from the sales income of residential plots of Veskimöldre-2 - 20% from the sales value (excluding VAT) of each plot will be transferred as repayment of Crowdestate investors' loan.The investment period is up to 24 months. The expected return (IRR) on a loan with quarterly interest payments is 16.1%. The development of Veskimöldre-2 residential area includes 167 single-family house plots, 121 row house apartments, a supermarket, dining places, health trails, schoolhouse. Residential plots are priced between EUR 90,000 and EUR 160,000 (average EUR 115,000) and average plot size is 1606 m2.

Meie uus projekt pakub investoritele võimalust osaleda Veskimöldre-2 elamuarenduspiirkonna infrastruktuuri viimase etapi ehituse rahastamisel summas 950 000 eurot. Veskimöldre-2 piirkonnas on välja ehitatud teed ja kommunikatsioonid ning kruntide müük ja elamute ehitus käivad (müüdud on 35% kruntidest). Sponsor on investeerinud projekti 10 miljonit eurot ja täita on jäänud veel vallaga planeerimismenetluses kokkulepitud investeerimiskohustus summas 1,2 miljonit eurot, mille osaliseks finantseerimiseks taotletakse Crowdestate investoritelt laenu.Rahastamine toimub kolmes osas. Käesoleva esimese rahastamisvooru maht on 500 000 eurot. Investeering on tagatud 3. järjekoha ühishüpoteegiga 117 elamumaa kinnistule (197 171 m2) hinnatud väärtuses 10,6 miljonit eurot (ilma käibemaksuta). Esimese ja teise järjekohaga tagatava seeniorlaenu jääk on 4 miljonit eurot. Projekti LTV on 47% (hüpoteekidega tagatud laenude suhe hinnatud 117 kinnistu väärtusesse). Lisaks hüpoteegile annab kontserni emaettevõtte Brave Capital OÜ käenduse summas 200 000 eurot.Crowdestate'i investorite laenult makstakse intressi 15% aasta baasil. Intressimaksed on kvartaalsed ja laenu põhisumma tagastatakse Veskimöldre-2 piirkonna üksikelamute ja ridaelamute kruntide müügitulust – iga asjaõigusliku müügilepingu sõlmimisel kantakse kinnistu käibemaksuta hinnast 20% Crowdestate’i investorite laenu tagasimakseks.Investeerimisvõimaluse kestus on kuni 24 kuud. Kvartaalsete intressimaksetega laenu oodatav tootlus (IRR) on 16,1%.Veskimöldre-2 elupiirkonna arendus hõlmab 167 ühepereelamu krunti, ridamaja krunte (121 ridamaja boksi), lisaks rajatakse piirkonda supermarket, söögikohad, terviserajad, koolimaja. Elamukruntide hinnad on vahemikus 90 000 - 160 000 eurot (keskmiselt 115 000 eurot) ja keskmine krundi suurus on 1606 m2.

Наш новый проект предлагает инвесторам возможность участвовать в финансировании строительства инфраструктуры жилого района Veskimöldre-2 в размере 950 000 евро. В проекте Veskimöldre-2 уже развиты дороги и коммуникации, и в данный момент идет продажа участков, из которых 35% уже продано. Спонсор инвестировал в проект 10 млн. евро, и еще ему предстоит инвестировать 1,2 млн. евро, что было прежде согласованно с муниципалитетом в процессе планирования. Для этой дополнительной инвестиции и берется частичный заем от инвесторов Crowdestate.Финансирование предоставляется в трех частях. Текущее финансирование первого раунда составляет 500 000 евро. Инвестиции обеспечены залогом 3-го ранга на 117 жилых участках (197 171 м2) на сумму 10,6 млн. евро (без учета НДС). Баланс обеспеченного кредита первого и второго ранга составляет 4 миллиона евро. LTV проекта составляет 47% (отношение ипотечных кредитов к стоимости 117 объектов недвижимости). Помимо ипотеки, головная компания Brave Capital OÜ предоставляет гарантию в размере 200 000 евро.Кредит Crowdestate имеет процентную ставку 15% годовых. Выплаты процентов осуществляются ежеквартально, и основная сумма будет возвращена от дохода с продаж жилых участков Veskimöldre-2 . В таком случае, 20% от продажной стоимости (без НДС) каждого участка будет перечислено в качестве погашения займа Crowdestate инвесторам.Инвестиционный период составлет период до 24 месяцев. Ожидаемая доходность (IRR) по кредиту с ежеквартальными выплатами процентов составляет 16,1%.Развитие жилого района Veskimöldre-2 включает в себя 167 участков для односемейных домов, 121 квартиру в рядных домах, супермаркет, рестораны, оздоровительные трассы, здание школы. Жилая площадь оценивается от 90 000 до 160 000 евро (в среднем 115 000 евро), а средний размер участка составляет 1606 м2.

Rahastuseesmärk:	€ 500000
Oodatav tootlus:	16.1 % aastas
Investeerimisperiood:	12 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Mezzanine

Veskimöldre 2, Alliku (I)

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