With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in the amount of EUR 160,000. The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure this loan of EUR 160,000, the Sponsor is offering the 1st rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, considering the 1st rank mortgage of EUR 160,000, if Crowdestate investors will fund the total amount, we reach an LTV of 53%.The interest rate of the loan is 13% per annum. The loan period is 12 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.

Real estate investment opportunity in Romania for construction financing offering 13% annual interest rate.

Investment opportunity | Campsor Strand P461, Sibiu, Romania

With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in the amount of EUR 160,000. The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure this loan of EUR 160,000, the Sponsor is offering the 1st rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, considering the 1st rank mortgage of EUR 160,000, if Crowdestate investors will fund the total amount, we reach an LTV of 53%.The interest rate of the loan is 13% per annum. The loan period is 12 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.<a href="https://www.youtube.com/watch?v=Z_xi4CflJso" target=""> </a>

With this investment opportunity, the Crowdestate investors will have the opportunity of investing in a real estate secured mortgage bridge loan in the amount of EUR 160,000. The purpose of the loan is to provide the additional capital for ongoing construction works in the real estate property located in 12 Tractorului Street, Sibiu City, Sibiu County, Romania. To secure this loan of EUR 160,000, the Sponsor is offering the 1st rank mortgage over one land plot that will be used for the development of a future residential project with a total area of 4,500 sqm located near Strand neighbourhood in Sibiu City, Romania. According to the attached appraisal,  the minimum market value of the land plot is EUR 297,000 (evaluated by Neoconsult Valuation Romania). Therefore, considering the 1st rank mortgage of EUR 160,000, if Crowdestate investors will fund the total amount, we reach an LTV of 53%.The interest rate of the loan is 13% per annum. The loan period is 12 months, with the Project Owner's right to extend the loan period by 6 months with the obligation to increase the interest rate by 2% for the extended period. The principal payment will be made at the end of the loan period. The interest will be paid quarterly. The loan will be repaid from the sale of the units when finalised, sale of the mortgaged collateral, sale of other land plots owned by the Sponsor,  refinancing or from  the Sponsor's operating revenues.

<div dir="ltr" style="text-align: left;">Meie järgmise investeerimisvõimalusega on Crowdestate'i investoritel võimalus investeerida 160,000 eurot  suurusesse hüpoteegiga tagatud sildlaenu.</div><div dir="ltr" style="text-align: left;"> </div><div dir="ltr" style="text-align: left;">Laenu eesmärgiks on kaasata lisakapitali, mida kasutatakse eramuarendusprojekti ehituskulude rahastamiseks. Arendusprojekt asub </div><div dir="ltr" style="text-align: left;"><table><tbody><tr><td>12 Tractorului tn., Sibiu, Rumeenia. Käesoleva rahastusvooru summaks on 160,000 eurot. Laenu tagatiseks pakub Sponsor 1 jrk. hüpoteeki arenduskinnisvarale Sibius, kinnistute suurus kokku 4,500 m2. Lisatud hindamisaktide kohaselt on nende kinnisvara tagatiste hinnanguline turuväärtus 297,000 eurot. Seega, kui võtta arvesse 160,000 eurot suurust kohustust, saavutame 53%-lise LTV.Selle rahastusvooru intressimäär on 13% aastas. Laenuperioodiks on 12 kuud, kusjuures Sponsoril on õigus laenu kuni 6 kuu ulatuses pikendada. Pikendusperioodi vältel on intressimäär 2% võrra kõrgem.Laenusumma tagastatakse laenuperioodi lõpus. Intressi makstakse kord kvartalis. Laenu tagastamise allikateks on arendatavate korterite müügist tekkiv rahavoog, tagatisvara müük, Sponsori muu vara müük või refinantseerimine.</td></tr></tbody></table></div>

Prin intermediul acestei oportunitati de investitie, investitorii Crowdestate vor avea oportunitatea de a investi intr-un imprumut punte, securizat cu ipoteca imobiliara, in suma de 160.000 EUR.Scopul imprumutului este asigurarea capitalului suplimentar necesar pentru lucrarile de constructie aflate în derulare pentru proiectul rezidential situat in Mun. Sibiu, Str. Tractorului, nr. 12, Jud. Sibiu, Romania. Pentru a garanta acest imprumut in valoare de 160.000 EUR, Sponsorul ofera ipoteca de rangul 1 pe un lot de teren, care va fi utilizat de catre Sponsor pentru dezvoltarea unui viitor proiect rezidential, in suprafata totala de 4.500 mp situat in continuarea cartierului Strand, din orasul Sibiu. Conform raportului de evaluare atasat, valoarea de piata minima a lotului de teren este de 297.000 EUR (raport intocmit de Neoconsult Valuation Romania). Prin urmare, avand in vedere ipoteca de rang 1 asupra imprumutului, daca investitorii Crowdestate vor finanta integral suma solicitata, vom avea un  LTV maxim de 53%.Rata dobanzii este de 13% pe an. Durata investitiei pentru acest imprumut este de 12 luni, Sponsorul avand dreptul de a prelungi perioada cu alte 6 luni, daca va fi cazul.  Daca Sponsorul isi foloseste dreptul de a prelungi perioada imprumutului, rata dobanzii va creste cu 2% pentru perioada prelungita.Plata principalului se va face la finalul perioadei imprumutului. Dobanda va fi platita trimestrial de catre Sponsor.Platile se vor face din vanzarea apartamentelor la finalizarea acestora, eventuala vanzare a lotului de teren adus in garantie,  vanzarea altor active/terenuri detinute de companie,  refinantare de la o banca locala sau alt creditor sau din profitul aferent activitatii operationale ale companiei.

Obiectiv de finanțare:	€ 160000
Randament așteptat:	13 % pe an
Durata investiției:	18 luni
Categoria de risc:	A Model de evaluare a riscurilor
LTV:	Risc scăzut %
Capital stack:	Împrumut garantat

Strand Campsor P461, Sibiu (I)

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