Crowdestate investors have funded the Sponsor's investment obligation in the construction of a new Koru primary school in Veskimöldre 2 residential area. The Sponsor's investment commitment is in amount of EUR 1.2 million and investors have so far financed the project in amount of EUR 950,000. Since the start of financing, the Sponsor has sold 13 plots in the Veskimöldre-2 residential area and has repaid the loan in amount of EUR 370,000 and the remaining balance of liabilities is approx. EUR 580,000.Due to the successful sale of residential plots and at higher than initially expected prices, the Sponsor has decided to offer Crowdestate investors financing for the construction of the school with an additional fourth round in amount of EUR 210,000.In Veskimöldre-2 project, roads and communications have been built and sale of plots is in progress - 40% of plots is sold. The Sponsor's investment amount to EUR 10 million. From the first round funded by Crowdestate investors in February 2019, the Sponsor has sold 13 residential plots and the principal of the first round loan has been reduced from EUR 500,000 to EUR 128,253.<div style="color: rgb(70, 77, 86);background-color: rgb(255, 255, 255);">The investment is secured by a 3rd ranking mortgage on 104 residential plots (168,213 m2) valued at EUR 8.7 million (excluding VAT). The balance of the first and second ranking mortgage loan is EUR 3.0 million. LTV of the project is 44% (the ratio of mortgage-secured loan principals to value of 104 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 - 25% from the sales value (excluding VAT) of each plot will be transferred as repayment of Crowdestate investors' fourth round loan.The investment period is up to 16 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, 16 months, interest rate 15% p.a.

Veskimoldre 2

Crowdestate investors have funded the Sponsor's investment obligation in the construction of a new Koru primary school in Veskimöldre 2 residential area. The Sponsor's investment commitment is in amount of EUR 1.2 million and investors have so far financed the project in amount of EUR 950,000. Since the start of financing, the Sponsor has sold 13 plots in the Veskimöldre-2 residential area and has repaid the loan in amount of EUR 370,000 and the remaining balance of liabilities is approx. EUR 580,000.Due to the successful sale of residential plots and at higher than initially expected prices, the Sponsor has decided to offer Crowdestate investors financing for the construction of the school with an additional fourth round in amount of EUR 210,000.In Veskimöldre-2 project, roads and communications have been built and sale of plots is in progress - 40% of plots is sold. The Sponsor's investment amount to EUR 10 million. From the first round funded by Crowdestate investors in February 2019, the Sponsor has sold 13 residential plots and the principal of the first round loan has been reduced from EUR 500,000 to EUR 128,253.<div>The investment is secured by a 3rd ranking mortgage on 104 residential plots (168,213 m2) valued at EUR 8.7 million (excluding VAT). The balance of the first and second ranking mortgage loan is EUR 3.0 million. LTV of the project is 44% (the ratio of mortgage-secured loan principals to value of 104 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 - 25% from the sales value (excluding VAT) of each plot will be transferred as repayment of Crowdestate investors' fourth round loan.The investment period is up to 16 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>

Crowdestate investors have funded the Sponsor's investment obligation in the construction of a new Koru primary school in Veskimöldre 2 residential area. The Sponsor's investment commitment is in amount of EUR 1.2 million and investors have so far financed the project in amount of EUR 950,000. Since the start of financing, the Sponsor has sold 13 plots in the Veskimöldre-2 residential area and has repaid the loan in amount of EUR 370,000 and the remaining balance of liabilities is approx. EUR 580,000.Due to the successful sale of residential plots and at higher than initially expected prices, the Sponsor has decided to offer Crowdestate investors financing for the construction of the school with an additional fourth round in amount of EUR 210,000.In Veskimöldre-2 project, roads and communications have been built and sale of plots is in progress - 40% of plots is sold. The Sponsor's investment amount to EUR 10 million. From the first round funded by Crowdestate investors in February 2019, the Sponsor has sold 13 residential plots and the principal of the first round loan has been reduced from EUR 500,000 to EUR 128,253.<div style="color: rgb(70, 77, 86);background-color: rgb(255, 255, 255);">The investment is secured by a 3rd ranking mortgage on 104 residential plots (168,213 m2) valued at EUR 8.7 million (excluding VAT). The balance of the first and second ranking mortgage loan is EUR 3.0 million. LTV of the project is 44% (the ratio of mortgage-secured loan principals to value of 104 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 - 25% from the sales value (excluding VAT) of each plot will be transferred as repayment of Crowdestate investors' fourth round loan.The investment period is up to 16 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><div> </div>

Crowdestate'i investorid on rahastanud Veskimöldre-2 elupiirkonnas asuvate elamukruntide tagatisel Sponsori investeerimiskohustust uue Koru põhikooli-lasteaia ehitamisel. Sponsori investeerimiskohustuse maht on 1,2 miljonit eurot ja investorid on tänaseks rahastanud projekti 950 000 euro ulatuses. Rahastamise algusest on Sponsor müünud 13 Veskimöldre-2 elamupiirkonna krunti ja tagastanud Crowdestate'i investorite laenu kokku summas ~370 000 eurot ning kohustuste jääk on hetkel u. 580 000 eurot. Elamukruntide müügiedust ja tõusnud hindadest tulenevalt on Sponsor otsustanud pakkuda Crowdestate'i investoritele kooli ehitamise finantseerimist täiendava neljanda rahastamisvooruga summas 210 000 eurot. Veskimöldre-2 elupiirkonnas on välja ehitatud teed ja kommunikatsioonid ning kruntide müük ja elamute ehitus käivad. Samuti käib Koru põhikool-lasteaia ehitus. Sponsor on investeerinud projekti 10 miljonit eurot.  Investeering on tagatud 3. järjekoha ühishüpoteegiga 104 elamumaa kinnistule (168 213 m2) hinnatud väärtuses 8,7 miljonit eurot (ilma käibemaksuta). Esimese ja teise järjekohaga tagatava seeniorlaenu jääk on 3 miljonit eurot. Koos käimasoleva kampaaniaga kaasatava 210 000 euroga on projekti LTV on 44% (hüpoteekidega tagatud laenude põhiosa jäägi suhe hinnatud 104 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 25% Crowdestate’i investorite neljanda rahastamisvooruga kaasatud laenu tagasimakseks.Investeerimisvõimaluse kestus on kuni 16 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.

Gli investitori Crowdestate sono invitati a finanziare con un'altra tranche di investimento, la costruzione della nuova scuola elementare di Koru nella zona residenziale di Veskimöldre 2, un quartiere non lontano dalla città di Tallin, Estonia. L'investimento totale da parte dello Sponsor è pari a 1,2 milioni di euro e gli investitori hanno finanziato il progetto per 950.000 euro. Dall'inizio del finanziamento, lo Sponsor ha venduto 13 lotti nella zona residenziale Veskimöldre-2 e ha rimborsato il prestito per 370.000 euro e il saldo residuo del debito è di circa 580.000 euro.A seguito di un enorme successo della vendita dei lotti residenziali e a prezzi superiori a quelli inizialmente previsti, lo Sponsor ha deciso di offrire agli investitori Crowdestate una nuova opportunità di investimento per la costruzione della scuola, con un ulteriore quarto round di 210.000 euro.Nel progetto Veskimöldre-2, sono state costruite strade e comunicazioni e la vendita dei lotti è in corso - il 40% dei lotti è già stato venduto. L'investimento dello Sponsor ammonta a 10 milioni di euro. Dal primo round finanziato dagli investitori di Crowdestate nel febbraio 2019.L'investimento è garantito da un'ipoteca di 3° grado su 104 lotti residenziali (168.213 m2) per un valore di 8,7 milioni di euro (IVA esclusa). Il saldo del mutuo ipotecario di primo e secondo grado è di 3,0 milioni di euro. LTV del progetto è del 44% (il rapporto tra il capitale del mutuo garantito da ipoteca e 104 lotti). Oltre all'ipoteca, la società Brave Capital OÜ ha emesso una garanzia di 200.000 euro.Il tasso d'interesse previsto è pari al 15% annuo. I pagamenti degli interessi sono trimestrali e il capitale sarà restituito dal reddito di vendita dei lotti residenziali di Veskimöldre-2 - il 25% del valore di vendita (IVA esclusa) di ogni lotto sarà trasferito a Crowdestate per rimborsare gli investitori.La durata dell'investimento è di 16 mesi. Il rendimento atteso (IRR), con pagamenti di interessi trimestrali è del 16,1%.Lo sviluppo della zona residenziale Veskimöldre-2 comprende 167 lotti di case unifamiliari, 121 appartamenti a schiera, un supermercato, punti di ristoro, percorsi della salute, una scuola. I terreni residenziali hanno un prezzo compreso tra 90.000 euro e i 160.000 euro (media di 115.000 euro) e la dimensione media del terreno è di 1606 m2.

Rahastuseesmärk:	€ 210000
Oodatav tootlus:	15 % aastas
Investeerimisperiood:	11 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Mezzanine

Veskimöldre 2, Alliku (IV)

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