The Sponsor intends to refinance existing liabilities and offers the opportunity to grant a EUR 230,000 loan (minimum goal EUR 200,000) secured by a 1st rank mortgage on Viimsi põik 18 immovable. The property is located in the highly valued Pirita district, in Merivälja urban area, about 9 km from Tallinn city center. The immovable property includes a 152.2 m2 one-family dwelling which has been renovated in 2005. The property offers sea-views over Tallinn Bay and city skyline. The value of the property is EUR 305,000 (see the appraisal report) and LTV 75%.  Loan interest rate is 11.2% on an annual basis. First interest payment will be made in 6 months after the loan is issued and from there interest is paid monthly. The internal rate of return (IRR) on the loan repayable on the above schedule is 11.7%. Investment period is 12 months and the term can be extended once unilaterally by the borrower by 6 months. After the extension, the interest rate will be 12.2% p.a. The loan will be repaid when property is sold or by refinancing at the end of the loan period latest.

Mortgage loan, secured by a private house in Tallinn, Invest in a real estate in Estonia and earn 11.2% p.a.

Private house in Pirita

The Sponsor intends to refinance existing liabilities and offers the opportunity to grant a EUR 230,000 loan (minimum goal EUR 200,000) secured by a 1st rank mortgage on Viimsi põik 18 immovable. The property is located in the highly valued Pirita district, in Merivälja urban area, about 9 km from Tallinn city center. The immovable property includes a 152.2 m2 one-family dwelling which has been renovated in 2005. The property offers sea-views over Tallinn Bay and city skyline. The value of the property is EUR 305,000 (see the appraisal report) and LTV 75%.  Loan interest rate is 11.2% on an annual basis. First interest payment will be made in 6 months after the loan is issued and from there interest is paid monthly. The internal rate of return (IRR) on the loan repayable on the above schedule is 11.7%. Investment period is 12 months and the term can be extended once unilaterally by the borrower by 6 months. After the extension, the interest rate will be 12.2% p.a. The loan will be repaid when property is sold or by refinancing at the end of the loan period latest.

Sponsor soovib refinantseerida olemasolevaid kohustusi ja pakub investoritele võimalust anda Viimsi põik 18 kinnistu 1. järjekoha hüpoteegi tagatisel laenu summas 230 000 eurot (miinimumsumma 200 000 eurot). Kinnistu asub kõrgelt hinnatud Pirita linnaosas, Merivälja asumis, umbes 9 km kaugusel Tallinna kesklinnast. Kinnistul asub 152,2 m2 suurune elumaja, mis renoveeriti 2005.a. Krundilt avaneb vaade Tallinna lahele ja linna siluetile. Kinnistu hinnatud turuväärtus on 305 000 eurot ja projekti LTV on 75%. Laenult tasutakse intressi 11,2% aasta baasil. Esimene intressimakse on 6 kuu möödudes laenu väljastamisest ja sealt edasi toimub intressi maksmine igakuiselt. Eelmainitud graafiku alusel tasutava laenu sisemine tootlus (IRR) on 11,7%. Pakutava investeerimisvõimaluse kestus on 12 kuud ja tähtaega on laenusaajal võimalik ühepoolselt pikendada üks kord 6 kuu võrra. Pikendamise järgselt on intress 12,2%. Laenu tagasimakse toimub läbi tagatisvara müügi hiljemalt laenuperioodi lõpus või läbi refinantseerimise.

Eramu Eestis, investeering eramaja tagatisel, 12 kuud, intress 11,2% aasta baasil

Elamu Pirital

Lo Sponsor desidera rifinanziare le passività esistenti, per questo è vi proponiamo la possibilità di concedere un prestito di 230.000 euro garantito da un'ipoteca di 1° grado sull'immobile sito a Viimsi põik 18. L'immobile si trova nel grazioso quartiere di Pirita, nell'area urbana di Merivälja, a circa 9 km dal centro di Tallinn. L'immobile comprende un'abitazione unifamiliare di 152 m2 che è stata ristrutturata nel 2005. La proprietà offre una vista sul mare, dalla baia di Tallinn e un meraviglioso skyline della città. Il valore dell'immobile è di 305.000 EUR (vedi la relazione di valutazione) e il LTV pari al 75%. Il tasso di interesse del prestito è del 11,2% su base annua. Il primo pagamento degli interessi sarà effettuato 6 mesi dopo l'emissione del prestito e da lì gli interessi saranno pagati mensilmente. Il tasso interno di rendimento (IRR) del prestito rimborsabile secondo il business plan è pari all' 11,7%. Il periodo di investimento è di 12 mesi e la durata può essere prolungata una sola volta unilateralmente dal mutuatario per ulteriori 6 mesi. Dopo la proroga, il tasso di interesse sarà dell' 12,2% annuo. Il prestito sarà rimborsato al momento della vendita dell'immobile o mediante rifinanziamento, secondo le tempistiche previste nel cronoprogramma.<div></div>

Rahastuseesmärk:	€ 230000
Oodatav tootlus:	11.7 % aastas
Investeerimisperiood:	12 kuud
Riskikategooria:	B Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Viimsi põik 18, Tallinn

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