With this project, the Crowdestate investors will have the opportunity to invest in a mortgage loan in a total amount of EUR 65,000 arranged in 2 tranches. In the first tranche, EUR 46,700 was raised. This will be the second tranche of the investment opportunity in the amount of EUR 18,300. The Project Owner intends to finance his other projects and to secure the loan offers the first-rank mortgage over a 1-bedroom apartment with one parking space and one storage space located in Felicity Residence, very close to Baneasa forest, Stejarii Country Club and Baneasa Shopping Mall, District 1, Bucharest Nord. The property has a total useful area of 111,40 sqm, including 62,59 useful sqm of terraces. The property's total market value is EUR 120,000 and max. LTV will be ~54%. The loan is secured by a 2nd rank mortgage over the 1-bedroom apartment with one parking space and one storage space. The first rank mortgage is held by Crowdestate investors from the first funding round. The loan interest rate is 13,5% p.a. and the loan period is up to 11 months. The principal and interest payments will be made at the end of the loan period.The loan will be repaid from the sales revenue of the Project Owner's other projects, the sale of the mortgaged property and/or other assets, or refinancing.

Real estate investment opportunity in Romania, mortgage-backed 11 month loan offering 13.5% annual interest rate

Investment opportunity | Mortgage loan in District 1, Bucharest (II)

With this project, the Crowdestate investors will have the opportunity to invest in a mortgage loan in a total amount of EUR 65,000 arranged in 2 tranches. In the first tranche, EUR 46,700 was raised. This will be the second tranche of the investment opportunity in the amount of EUR 18,300. The Project Owner intends to finance his other projects and to secure the loan offers the first-rank mortgage over a 1-bedroom apartment with one parking space and one storage space located in Felicity Residence, very close to Baneasa forest, Stejarii Country Club and Baneasa Shopping Mall, District 1, Bucharest Nord. The property has a total useful area of 111,40 sqm, including 62,59 useful sqm of terraces. The property's total market value is EUR 120,000 and max. LTV will be ~54%. The loan is secured by a 2nd rank mortgage over the 1-bedroom apartment with one parking space and one storage space. The first rank mortgage is held by Crowdestate investors from the first funding round. The loan interest rate is 13,5% p.a. and the loan period is up to 11 months. The principal and interest payments will be made at the end of the loan period.The loan will be repaid from the sales revenue of the Project Owner's other projects, the sale of the mortgaged property and/or other assets, or refinancing.

Meie järgmise projekti raames on Crowdestate'i investoritel võimalus investeerida hüpoteegiga tagatud sildlaenu kogusummas 65,000 eurot, mis on korraldatud kahes rahastusvoorus. Esimeses rahastamisvoorus kaasati 46,700 eurot ja praeguses teises voorus kaasatakse teine 13,800 eurot. Kaasatud vahandeid kavatseb Projektiomanik kasutada käibekapitalina ja pakub laenu tagamiseks esimese järjekoha hüpoteeki uhetoalisele korterile kus on parkimiskoht ja panipaik. Korter asub Felicity Residence’is, väga lähedal Baneasa metsale, Stejarii Country Clubile ja Baneasa kaubanduskeskusele, 1. piirkonnas, Bucharest Nordis. Kinnisvara kasutatav pindala on 111,40 m², sealhulgas 62,59 m² kasutatavat terrassi. Kinnisvara turuväärtus on 120,000 eurot ja rahastusvooru max. LTV on ~54%. Laen on tagatud teise järjekoha hüpoteegiga. Esimene järjekoht kuulub Crowdestate'i investoritele eelmisest rahastamisvoorust.  Laenu intressimäär on 13,5% aastas ja laenuperiood on kuni 11 kuud. Põhiosa- ja intressimaksed tehakse laenuperioodi lõpus.Laenu tagasimaksmine toimub Projektiomaniku teiste projektide müügitulust, hüpoteegiks oleva kinnisvara ja/või muude varade müügist või refinantseerimise teel.

With this project, the Crowdestate investors will have the opportunity to invest in a mortgage loan in a total amount of EUR 65,000 arranged in 2 tranches. In the first tranche, EUR 46,700 was raised. This will be the second tranche of the investment opportunity in the amount of EUR 18,300. The Project Owner intends to finance his other projects and to secure the loan offers the first-rank mortgage over a 1-bedroom apartment with one parking space and one storage space located in Felicity Residence, very close to Baneasa forest, Stejarii Country Club and Baneasa Shopping Mall, District 1, Bucharest Nord. The property has a total useful area of 111,40 sqm, including 62,59 useful sqm of terraces. The property's total market value is EUR 120,000 and max. LTV will be ~54%. The loan is secured by a 2nd rank mortgage over the 1-bedroom apartment with one parking space and one storage space. The first rank mortgage is held by Crowdestate investors from the first funding round. The loan interest rate is 13,5% p.a. and the loan period is up to 11 months. The principal and interest payments will be made at the end of the loan period.The loan will be repaid from the sales revenue of the Project Owner's other projects, the sale of the mortgaged property and/or other assets, or refinancing.

Prin intermediul acestui proiect, investitorii Crowdestate vor avea oportunitatea de a investi intr-un imprumut senior cu ipoteca in suma totala de 65.000 EUR, acordat in 2 transe. Prima transa de 46.700 EUR a fost finantata în Mai-Iunie 2023. Aceasta va fi a doua transa de finantare in suma de 18.300 EUR. Sponsorul intentioneaza sa isi finanteze alte proiecte si ofera drept garantie ipoteca de rang 1 asupra unui apartament cu 2 camere, 1 loc de parcare si un spatiu de depozitare subterane, localizat in Felicity Residence, in partea de nord a capitalei, in Sectorul 1, foarte aproape de Padurea Baneasa, Stejarii Country Club si a Centrului Comercial Baneasa. Apartamentul are o suprafata utila de 111.40 mp, incluzand si 2 terase de 62.59 mp. Valoarea totala de piata a proprietatii este de 120.000 EUR, prin urmare LTV-ul maxim va fi de ~54%.Imprumutul este garantat prin intermediul unei ipoteci de rang 2 asupra apartamentului cu 2 camere, locului de parcare si spațiului de depozitare. Ipoteca de prim rang este detinuta tot de investitorii Crowdestate din prima transa de finantare. Rata dobanzii este fixa de 13.5% p.a., iar perioada imprumutului pana la 11 luni. Plata principalului si a dobanzii se vor face la maturitatea imprumutului. Imprumutul va fi rambursat din veniturile din vanzari aferente altor proiecte ale Sponsorului, vanzarea proprietatii aduse in garantie (daca va fi cazul) si/sau a altor active sau prin refinantare.

Romania

Euro

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Drumul Opalului 1-43, ap 11a, București (II)

Alin-Mircea Bugeac

Obiectiv de finanțare:	€ 18300
Randament așteptat:	13.5 % pe an
Durata investiției:	11 luni
Categoria de risc:	B Model de evaluare a riscurilor
LTV:	Risc scăzut 54.17%
Capital stack:	Împrumut garantat

Drumul Opalului 1-43, ap 11a, București (II)

Oferta de finanțare participativă ieșită