With this investment opportunity, the Crowdestate investors have the opportunity to invest in the second tranche of a secured mortgage loan in the amount of 11 500 Euros.The purpose of the loan is to provide capital for the project licensing and for the start of the infrastructure construction works in the property located in Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.This property is in the licensing process of being divided into 3 plots. For the first 2 plots, 2 twin villas will be built and on the 3rd one an individual house.To secure this loan of 11 500 Euros, the Sponsor is offering the first-rank mortgage over the existing land located at Campo da Cova da Fonte, Lugar das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal. The same land described in the <a href="https://crowdestate.eu/opportunity/Arana_Biovillas_Gulpilhares_Gaia" target="" style="background-color: rgb(255, 255, 255);color: rgb(73, 131, 195);">Arana BioVillas, Gulpilhares, Vila Nova de Gaia, Portugal</a>. According to the attached appraisal, the estimated market value of this collateral is 330 000 Euros. Therefore, considering the 1st rank mortgage of 100 000 Euros together with the mortgage of the Arana BioVillas, if Crowdestate investors fund the total amount, we reach an LTV of 62%. The interest rate of the loan is 10% per annum, paid semiannually.The loan period is 18 months, with a Sponsor's option to extend the loan period by 3 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 loan will be repaid from the sale of the property, refinancing, or the Sponsor's operating revenues.

Heliantia_House_II_Valadares_Gaia

With this investment opportunity, the Crowdestate investors have the opportunity to invest in the second tranche of a secured mortgage loan in the amount of 11 500 Euros. The purpose of the loan is to provide capital for the project licensing and for the start of the infrastructure construction works of a luxury house in the property located at Rua Heliantia, Valadares, Vila Nova de Gaia, Portugal.This property is in the licensing process to obtain a construction permit.To secure this loan of 11 500 Euros, the Sponsor is offering the first-rank mortgage over the existing land located at Campo da Cova da Fonte, Lugar das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal. The same land described in the <a href="https://crowdestate.eu/opportunity/Arana_Biovillas_Gulpilhares_Gaia" target="">Arana BioVillas, Gulpilhares, Vila Nova de Gaia, Portugal</a>. According to the attached appraisal, the estimated market value of this collateral is 330 000 Euros. Therefore, considering the 1st rank mortgage of 100 000 Euros together with the mortgage of the Arana BioVillas, if Crowdestate investors fund the total amount, we reach an LTV of 62%.The interest rate of the loan is 10% per annum, paid semiannually.The loan period is 18 months, with a Sponsor's option to extend the loan period by 3 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 loan will be repaid from the sale of the property, sale of the collateral, refinancing, or the Sponsor's operating revenues.

With this investment opportunity, the Crowdestate investors have the opportunity to invest in a second tranche of a secured mortgage loan in the amount of 11 500 Euros.The purpose of the loan is to provide capital for the project licensing and for the start of the infrastructure construction works in the property located in Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.This property is in the licensing process of being divided into 3 plots. For the first 2 plots, 2 twin villas will be built and on the 3rd one an individual house.To secure this loan of 11 500 Euros, the Sponsor is offering the first-rank mortgage over the existing land located at Campo da Cova da Fonte, Lugar das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal. The same land described in the <a href="https://crowdestate.eu/opportunity/Arana_Biovillas_Gulpilhares_Gaia" target="" style="background-color: rgb(255, 255, 255);color: rgb(73, 131, 195);">Arana BioVillas, Gulpilhares, Vila Nova de Gaia, Portugal</a>. According to the attached appraisal, the estimated market value of this collateral is 330 000 Euros. Therefore, considering the 1st rank mortgage of 100 000 Euros together with the mortgage of the Arana BioVillas, if Crowdestate investors fund the total amount, we reach an LTV of 62%. The interest rate of the loan is 10% per annum, paid semiannually.The loan period is 18 months, with a Sponsor's option to extend the loan period by 3 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 loan will be repaid from the sale of the property, refinancing, or the Sponsor's operating revenues.

Käesolevaks investeerimisvõimaluseks on hüpoteegiga tagatud laen summas EUR 11,500. Laenu eesmärk on finantseerida arendusprojekti ehitusloa protsessi ning infrasturktuuri rajamise alustamist. Projekt asub aadressil Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.Kinnistu jagatakse 3-ks krundiks. Kahele krundile ehitatakse paarisvillad, ühele krundile eramu. Kokku ehitatakse 5 ühikut elamispinda.Laenu tagatiseks on 1. järjekoha hüpoteek arendatavale kinnistule. Vastavalt lisatud hindamisaktile on kinnistu praeguseks väärtuseks EUR 330,000. Arvestades seda, moodustub laenusumma ja tagatisvara väärtuse suhteks (LTV) 31%.Fikseeritud intressimääraks on 10% aasta baasil, intressimakseid tehakse 2 korda aastas. Laenuperioodiks on 18 kuud. Sponsoril on õhepoolne õigus pikendada laenuperioodi ühe korra 3 kuu pikkuseks perioodiks, makstes pikendusperioodi vältel 2% võrra kõrgemat intressi.Laenu põhiosa tagastatakse laenuperioodi lõpus. Tagasimakse allikaks on kinnistu müük, refinantseerimine või Sponsori teistest projektidest vabanev rahavoog.

With this investment opportunity, the Crowdestate investors have the opportunity to invest in the second tranche of a secured mortgage loan in the amount of 11 500 Euros.The purpose of the loan is to provide capital for the project licensing and for the start of the infrastructure construction works in the property located in Rua das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal.This property is in the licensing process of being divided into 3 plots. For the first 2 plots, 2 twin villas will be built and on the 3rd one an individual house.To secure this loan of 11 500 Euros, the Sponsor is offering the first-rank mortgage over the existing land located at Campo da Cova da Fonte, Lugar das Ameixoeiras, Gulpilhares, Vila Nova de Gaia, Portugal. The same land described in the <a href="https://crowdestate.eu/opportunity/Arana_Biovillas_Gulpilhares_Gaia" target="" style="background-color: rgb(255, 255, 255);color: rgb(73, 131, 195);">Arana BioVillas, Gulpilhares, Vila Nova de Gaia, Portugal</a>. According to the attached appraisal, the estimated market value of this collateral is 330 000 Euros. Therefore, considering the 1st rank mortgage of 100 000 Euros together with the mortgage of the Arana BioVillas, if Crowdestate investors fund the total amount, we reach an LTV of 62%.The interest rate of the loan is 10% per annum, paid semiannually. The loan period is 18 months, with a Sponsor's option to extend the loan period by 3 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 loan will be repaid from the sale of the property, refinancing, or the Sponsor's operating revenues.

Portugal

Euro

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Rahastuseesmärk:	€ 11500
Oodatav tootlus:	10 % aastas
Investeerimisperiood:	20 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk 62%
Capital stack:	Tagatud laen

Heliantia House, Vila Nova de Gaia (II)

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