With this project, the Crowdestate investors will have the opportunity to invest in a mortgage loan in a total amount of EUR 500,000, arranged in 2 tranches. In the first tranche, EUR 190,000 was raised. This will be the second tranche of the investment opportunity in the amount of EUR 310,000. The Project Owner intends to finance his other projects and to secure the loan offers a property in Prejmer Commune, Brasov County as a collateral. It is located 14 km from Brasov City, in a superb area with mountain scenery and lakes. The property has 40,907 sqm land plot, 2 buildings and 22 fish ponds. The property's market value is EUR 1,230,000 and the maximum LTV after the 2nd tranche will be ~40%. The loan is secured by a 2nd rank mortgage. The first rank mortgage is held by Crowdestate investors from the first funding round. The investment period for this tranche is up to 12 months. The interest rate is 15% p.a. and will be paid quarterly. The principal will be repaid at the end of the loan period from the sales revenue of the Project Owner's other projects, the sale of the property and/or other assets, operational revenues or by refinancing.

Real estate investment opportunity in Romania, mortgage-backed 12 month loan offering 15% annual interest rate

Investment opportunity | Mortgage loan in Brasov County, LTV 40%

With this project, the Crowdestate investors will have the opportunity to invest in a mortgage loan in a total amount of EUR 500,000, arranged in 2 tranches. In the first tranche, EUR 190,000 was raised. This will be the second tranche of the investment opportunity in the amount of EUR 310,000. The Project Owner intends to finance his other projects and to secure the loan offers a property in Prejmer Commune, Brasov County as a collateral. It is located 14 km from Brasov City, in a superb area with mountain scenery and lakes. The property has 40,907 sqm land plot, 2 buildings and 22 fish ponds. The property's market value is EUR 1,230,000 and the maximum LTV after the 2nd tranche will be ~40%. The loan is secured by a 2nd rank mortgage. The first rank mortgage is held by Crowdestate investors from the first funding round. The investment period for this tranche is up to 12 months. The interest rate is 15% p.a. and will be paid quarterly. The principal will be repaid at the end of the loan period from the sales revenue of the Project Owner's other projects, the sale of the property and/or other assets, operational revenues or by refinancing.

Meie järgmise projekti raames on Crowdestate'i investoritel võimalus investeerida hüpoteegiga tagatud laenu kogusummas 500,000 eurot, mis on korraldatud kahe rahastusvooruna. Esimeses rahastamisvoorus kaasati 190 000 eurot ja praeguses teises voorus kaasatakse teine 310 000 eurot.Kaasatud vahandeid kavatseb Projektiomanik kasutada käibekapitalina ja pakub laenu tagamiseks hüpoteeki äripinnale, mis asub Prejmeri kommuunis, Brasovi maakonnas. See on 14 km kaugusel Brasovi linnast, suurepärases piirkonnas, kus on mägimaastik ja järved. Kinnistul on kokku 40,907 m2 suurune maa-ala, 2 hoonet ja 22 kalatiiki. Kinnistu turuväärtus on 1,230,000 eurot. Seega on maksimaalne LTV pärast teist rahastamisvooru ~40%. Laen on tagatud teise järjekoha hüpoteegiga. Esimene järjekoht kuulub Crowdestate'i investoritele eelmisest rahastamisvoorust.  Investeeringu kestus on kuni 12 kuud. Intressimäär on 15% aastas ja intressimaksed on kvartaalsed. Põhiosa makstakse tagasi laenuperioodi lõpus Projektiomaniku teiste projektide müügitulust, kinnistu ja/või muude varade müügist, tegevustuludest või refinantseerimisel.

Prin intermediul acestui proiect, investitorii Crowdestate vor avea oportunitatea de a investi intr-un imprumut senior cu ipoteca in suma totala de 500.000 EUR, acordat in 2 transe. Prima transa de 190.000 EUR a fost finantata in Ianuarie 2023 - Februarie 2023. Aceasta va fi a doua transa de finantare in cadrul proiectul, in suma de 310.000 EUR.  Sponsorul intentioneaza sa isi finanteze alte proiecte si ofera drept garantie o proprietate situata in comuna Prejmer, Jud. Brasov. Aceasta este situata la 14 km distanta de centrul orasului Brasov intr-o zona superba cu peisaje montane si lacuri. Proprietatea este alcatuita din 40.907 mp de teren intravilan, 2 cladiri si 22 bazine piscicole. Valoarea de piata minima a proprietatii este de 1.230.000 EUR, prin urmare LTV-ul maxim dupa finantarea transei 2 va fi de ~40%.Imprumutul este garantat prin intermediul unei ipoteci de rang 2 asupra proprietatii. Ipoteca de prim rang este detinuta tot de investitorii Crowdestate din prima transa de finantare. Rata dobanzii este fixa de 15% p.a., iar perioada imprumutului pana la 12 luni. Dobanda va fi platita trimestrial.Imprumutul va fi rambursat la maturitate, din veniturile din vanzari aferente altor proiecte ale Sponsorului, vanzarea proprietatii aduse in garantie (daca va fi cazul) si/sau a altor active, profituri operationale sau prin refinantare.

Romania

Euro

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Prejmer, Braşov (II)

Silviu-Cosmin Dabija

Obiectiv de finanțare:	€ 310000
Randament așteptat:	15 % pe an
Durata investiției:	15 luni
Categoria de risc:	A Model de evaluare a riscurilor
LTV:	Risc scăzut %
Capital stack:	Împrumut garantat

Prejmer, Braşov (II)

Investiții finanțate