Crowdestate investors have financed in previous two rounds (EUR 175,000) the construction of Kesalille St. 7, 9 and 11 dwelling houses in <a href="https://www.xn--veskimldre-jcb.ee/" target="" style="background-color: rgb(255, 255, 255);color: rgb(73, 131, 195);">Veskimöldre 2</a> residential area close to Tallinn city border.  With the current third campaign, the Sponsor intends to raise EUR 75,000. The Sponsor builds three single-family houses at the same time, each with an effective living area of approx. 140 m2. <div style="color: rgb(70, 77, 86);background-color: rgb(255, 255, 255);"></div>Construction work is in progress: foundations of three houses have been completed, geothermal heating has been built and pre-fabricated house details (walls and roof) has been installed (see pictures as at November 5th, 2020). Total construction cost to be financed by Crowdestate investors' would be EUR 300 000, which is VAT excluded construction cost of the three houses (i.e. EUR 700 per m2 of living area).  <div style="color: rgb(70, 77, 86);background-color: rgb(255, 255, 255);"></div>Investors' loans are secured by a first-rank mortgage on three properties. Interest rate of a loan with monthly payments is 9.5% (IRR 10%) and investment period is up to 10 months. During construction, estimated loan-to-value (LTV) ratio is up to 57% and LTV will be 34% when house completed.<div style="color: rgb(70, 77, 86);background-color: rgb(255, 255, 255);"><div>The loan will be repaid from the sale of Kesalille St. 7, 9 and 11 houses. The construction is planned to be completed by December 1, 2020. The sales price of one house is EUR 300,000. Crowdestate's investors have financed several Sponsor's developments (Veskioja St. 1 and Metsapargi St. 4 terraced-houses and Viirpuu St. semi-detached house), which have been successful and the loans have been repaid earlier than expected. Sponsor has outstanding loan (EUR 150,000) to fund private house construction in Laagri small town at Tervise St. 11 and loan (EUR 230,000) secured by Metsapargi St. 4 terraced-house apartments for the release of equity for the sales period of aforementioned apartments.</div></div>

Invest in a real estate development in Estonia and earn 9.5% p.a., private house development, investment period 10 months

Private house in Laagri

Crowdestate investors have financed in previous two rounds (EUR 175,000) the construction of Kesalille St. 7, 9 and 11 dwelling houses in <a href="https://www.xn--veskimldre-jcb.ee/" target="" style="background-color: rgb(255, 255, 255);color: rgb(73, 131, 195);">Veskimöldre 2</a> residential area close to Tallinn city border.  With the current third campaign, the Sponsor intends to raise EUR 75,000. The Sponsor builds three single-family houses at the same time, each with an effective living area of approx. 140 m2. <div></div>Construction work is in progress: foundations of three houses have been completed, geothermal heating has been built and pre-fabricated house details (walls and roof) has been installed (see pictures as at November 5th, 2020). Total construction cost to be financed by Crowdestate investors' would be EUR 300 000, which is VAT excluded construction cost of the three houses (i.e. EUR 700 per m2 of living area).  <div></div>Investors' loans are secured by a first-rank mortgage on three properties. Interest rate of a loan with monthly payments is 9.5% (IRR 10%) and investment period is up to 10 months. During construction, estimated loan-to-value (LTV) ratio is up to 57% and LTV will be 34% when house completed.<div><div>The loan will be repaid from the sale of Kesalille St. 7, 9 and 11 houses. The construction is planned to be completed by December 1, 2020. The sales price of one house is EUR 300,000. Crowdestate's investors have financed several Sponsor's developments (Veskioja St. 1 and Metsapargi St. 4 terraced-houses and Viirpuu St. semi-detached house), which have been successful and the loans have been repaid earlier than expected. Sponsor has outstanding loan (EUR 150,000) to fund private house construction in Laagri small town at Tervise St. 11 and loan (EUR 230,000) secured by Metsapargi St. 4 terraced-house apartments for the release of equity for the sales period of aforementioned apartments. </div></div>

Crowdestate investorid on rahastanud <a href="https://www.xn--veskimldre-jcb.ee/" target="" style="background-color: rgb(255, 255, 255);color: rgb(73, 131, 195);">Veskimöldre 2</a> piirkonnas Kesalille tn 7, 9 ja 11 elamute ehitust varasema kahe vooruga summas 175 000 eurot. Praeguse kolmanda kampaaniaga soovib Sponsor kaasata 75 000 eurot. Sponsor ehitab korraga kolme ühepereelamut igaüks u. 140 m2 kasuliku pinnaga. Ehitustööd käivad: valatud on kolme maja vundamendid, ehitatud välja maaküte, majade seinaelemendid ja katusefermid on paigaldatud (vt. lisatud pilte seisuga 05.11.2020). Crowdestate’i investorid rahastaksid ehitust kokku summas 300 000 eurot, mis on kolme hoone käibemaksuta ehitusmaksumus (e. 700 eurot köetava pinna m2 kohta). Ehituse käigus on laenu ja tagatisvara (ehitus)väärtuse suhe (LTV) kuni 57% ja valmiskujul hoone (hinnatud) väärtuse suhtes moodustaks Crowdestate investorite laen 34%.Investorite laenud on tagatud 1. järjekoha hüpoteegiga kolmele kinnistule. Igakuiste intressimaksetega laenu intressimäär on 9,5% (IRR 10%) ja laenu kestus 10 kuud. Laen makstakse tagasi Kesalille tn 7, 9 ja 11 majade müügist. Ehitus on planeeritud lõpetada 1.detsembriks 2020. Ühe maja müügihind on 300 000 eurot. Crowdestate’i investorid on finantseerinud mitmeid Sponsori arendusi (Veskioja tn 1 ridamaja, Metsapargi tn 4 ridamaja ja Viirpuu tn 12 paarismaja), mis on olnud edukad ja laenud on tagasi makstud ennetähtaegselt. Praegusel hetkel on Sponsorile väljastatud laen Laagris Tervise tn 11 asuva eramaja ehituseks summas 150 000 eurot ja laen müügiperioodi vahendite vabastamiseks Veskimöldre 2 piirkonnas Metsapargi tn 4 ridamaja korterite tagatisel summas 230 000 eurot.

Eramu ehitus Eestis, investeering eramajade arendusse Veskimöldres, 10 kuud, intress 9,5% aasta baasil

Elamu Laagri alevikus

Il nostro nuovo progetto offre agli investitori l'opportunità di finanziare la costruzione di tre abitazioni nella zona residenziale di <a href="https://www.veskimöldre.ee/" target="">Veskimöldre 2</a>, vicino al confine con la città di Tallinn. Lo Sponsor ha acquistato tre terreni a Kesalille St. 7, 9 e 11 con il proprio capitale di rischio e prevede di costruire e vendere case unifamiliari con una superficie abitabile effettiva di circa 140 m2 ciascuna.Il prestito che sarà finanziato dagli investitori di Crowdestate è pari a 300.000 euro e servirà a coprire i costi di costruzione delle tre case al netto dell'IVA (cioè 700 euro per m2 di superficie abitabile). È stato rilasciato il permesso edilizio ed è iniziata la costruzione: sono state completate le fondamenta di tre case, è stato realizzato il riscaldamento geotermico, mentre i dettagli della casa prefabbricata sono pronti e in attesa di essere installati. L'importo richiesto per questa seconda tranche è pari a 75.000 euro. Nella prima tranche di raccolta, gli investitori hanno partecipato al finanziamento di 100.00 euro necessari per una prima fase della costruzione.Il prestito degli investitori è garantito da un'ipoteca di primo grado su tre immobili. Il rendimento annuo previsto è pari al 10% - con un pagamento degli interessi a cadenza mensile - mentre la durata dell'investimento è fino a 11 mesi. Durante la costruzione, il rapporto tra il prestito/valore stimato (LTV) è del 57% e scenderà al LTV 34% al completamento della casa.Il prestito sarà rimborsato dalla vendita delle case di Kesalille St. 7, 9 e 11. Il completamento dei lavori di costruzione è previsto entro dicembre 2020. Il prezzo di vendita medio delle abitazioni è di 300.000 euro per unità abitativa.Gli investitori di Crowdestate hanno finanziato diversi lavori dello stesso Sponsor tra cui la villetta a schiera presso Veskioja St., il complesso residenziale di Metsapargi St. e il villino bifamiliare a Viirpuu St. Tutte queste operazioni immobiliari si sono concluse con successo e i prestiti sono stati rimborsati prima del previsto. Attualmente lo Sponsor ha altre due collaborazioni con Crowdestate: una, pari a 150.000 euro, per finanziare la costruzione di una casa privata nella cittadina di Laagri in via Tervise 11 e un’altra, pari a 230.000 euro, per una nuova tranche del progetto di Metsapargi 4.

Objectif de financement:	€ 75000
Rendement attendu:	10 % par an
Durée de l'investissement:	1 mois
Catégorie de risque:	B Modèle d'évaluation des risques
LTV:	Risque faible %
Capital stack:	Prêt garanti

Kesalille tn 7, 9, 11, Alliku (III)

Offre de financement participatif terminée