Current investment opportunity is the third funding round for Veskimöldre-2 residential area infrastructure construction (Koru basic school-kindergarten). 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 EUR 950,000 loan is applied from Crowdestate investors. From the first round funded by Crowdestate investors in February 2019, the Sponsor has sold 11 residential plots and the principal of the first round loan has been reduced from EUR 500,000 to EUR 209,000.<div style="color: rgb(70, 77, 86);background-color: rgb(255, 255, 255);">Funding is provided in three parts. Current third  round funding is in amount of EUR 230,000. The investment is secured by a 3rd ranking mortgage on 106 residential plots (173,319 m2) valued at EUR 9.05 million (excluding VAT). The balance of the first and second ranking mortgage loan is EUR 2.9 million. LTV of the project is 39% (the ratio of mortgage-secured loan principals to value of 106 plots). In addition to the mortgage, parent company Brave Capital OÜ has issued 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 17 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.</div>

Residential land development, residential real estate investment, 17 months, interest rate 15% p.a.

Veskimoldre 2

Current investment opportunity is the third funding round for Veskimöldre-2 residential area infrastructure construction (Koru basic school-kindergarten). 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 EUR 950,000 loan is applied from Crowdestate investors. From the first round funded by Crowdestate investors in February 2019, the Sponsor has sold 11 residential plots and the principal of the first round loan has been reduced from EUR 500,000 to EUR 209,000.<div>Funding is provided in three parts. Current third  round funding is in amount of EUR 230,000. The investment is secured by a 3rd ranking mortgage on 106 residential plots (173,319 m2) valued at EUR 9.05 million (excluding VAT). The balance of the first and second ranking mortgage loan is EUR 2.9 million. LTV of the project is 39% (the ratio of mortgage-secured loan principals to value of 106 plots). In addition to the mortgage, parent company Brave Capital OÜ has issued 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 17 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. </div>

Käimasoleva investeerimisvõimaluse näol on tegemist kolmanda rahastamisvooruga Veskimöldre-2 elamuarenduspiirkonna infrastruktuuri (Koru põhikool-lasteaed) ehituse rahastamiseks. Veskimöldre-2 elupiirkonnas on välja ehitatud teed ja kommunikatsioonid ning kruntide müük ja elamute ehitus käivad. 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 kokku summas 950 000 eurot. Alates Crowdestate'i investorite poolt rahastatud projekti esimesest voorust veebruaris 2019.a. on Sponsor müünud 11 elamumaa kinnistut ning esimese rahastamisvooruga kaasatud laenu põhiosa on vähendatud 500 000 eurolt 209 000 euroni.  Rahastamine toimub kolmes osas. Käesoleva kolmanda rahastamisvooru maht on 230 000 eurot. Investeering on tagatud 3. järjekoha ühishüpoteegiga 106 elamumaa kinnistule (173 319 m2) hinnatud väärtuses 9,05 miljonit eurot (ilma käibemaksuta). Esimese ja teise järjekohaga tagatava seeniorlaenu jääk on 2,9 miljonit eurot. Projekti LTV on 39% (hüpoteekidega tagatud laenude põhiosa jäägi suhe hinnatud 106 kinnistu väärtusesse). Lisaks hüpoteegile on kontserni emaettevõtte Brave Capital OÜ andnud 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 17 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.

Riepilogo dell'operazione: L'attuale opportunità di investimento è il terzo round di finanziamento per la costruzione di infrastrutture nell'area residenziale Veskimöldre-2 (Koru scuola elementare-scuola materna). Nel progetto Veskimöldre-2, sono state costruite strade e comunicazioni ed è in corso la vendita di terreni (già il 35% è stato venduto). Lo sponsor ha già investito 10 milioni di euro e Crowdestate parteciperà a progetto con una raccolta fondi di 950.000. Dal primo round finanziato dagli investitori Crowdestate nel febbraio 2019, lo sponsor ha venduto 11 terreni residenziali e il capitale dell'investimento del primo round è stato ridotto da 500.000 a 209.000 euro. La terza tranche di finanziamento è di 230.000 euro. L'investimento è garantito da un'ipoteca di 3 ° grado su 106 terreni residenziali (173.319 m2) del valore di 9,05 milioni di euro (IVA esclusa). L'ammontare del primo e secondo grado di ipoteca è di 2,9 milioni di euro. L'LTV del progetto è del 39%. Oltre all'ipoteca, la società madre Brave Capital OÜ ha emesso una garanzia di €200.000. L'investimento degli investitori Crowdestate ha un tasso di interesse del 15% annuo. I pagamenti degli interessi sono trimestrali e il capitale verrà restituito dal reddito di vendita dei lotti residenziali di Veskimöldre-2. Il periodo di investimento è di 17 mesi. Il rendimento atteso (IRR) con pagamenti di interessi trimestrali è del 16,1%. Lo sviluppo della zona residenziale di Veskimöldre-2 comprende 167 appezzamenti unifamiliari, 121 appartamenti a schiera, un supermercato, luoghi di ristoro, centro sanitari e scuole. I terreni residenziali hanno un prezzo compreso tra 90.000 e 160.000 euro (in media 115.000 euro) e la dimensione media del terreno è di 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 40% 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 третьего раунда составляет 230 000 евро. Инвестиции обеспечены залогом 3-го ранга на 106 жилых участках (173 319 м2) на сумму 9,05 млн. евро (без учета НДС). Баланс обеспеченного кредита первого и второго ранга составляет 2.9 миллиона евро. LTV проекта составляет 39% (отношение ипотечных кредитов к стоимости 106 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 17 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:	€ 230000
Oodatav tootlus:	16.1 % aastas
Investeerimisperiood:	12 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Mezzanine

Veskimöldre 2, Alliku (III)

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