Projektide loend

Jūrkalnes st. 62 and 62A, Riga, Latvia (10 stage)

Täielikult investeeritud

Rahastamise suurus 130 000 €

LTV 60%

Aastane tootlusmäär 12.00% - 13.50%

Projekti kogu oodatav tootlus 9.00% - 10.12%

Laenuperiood

9 kuud

Risk

B (keskmine)

Laenu eesmärk

Arenduslaen

Tagatis Real estate pledge

Riik

Latvia

Investorit 163

Kogutud:
130 000 € Laenusumma siht:
130 000 €

100.00%

Ärilaenu tingimused

Laenu kohta

Laenu eesmärk Real estate development

Rahastamise suurus 130 000 €

LTV 60 %

Risk B (keskmine)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 9 kuud

Miinimum laenu tähtaeg 4 kuud

Tagatis

Real estate pledge

Garantii / käendus

Hüpoteegi järjekoht First order mortgage

Amount allocated by project owner 320 000.00 €

Purpose of the loan

A loan of EUR 2,348,400 is needed to finance the entire project, which is divided into phases. The loan funds are/will be used for the purchase of land plots and for the construction and installation of immovable objects, i.e. two, 2,122 sq. m. of total area of service-purpose commercial buildings, Jūrkalnes st. 62 and 62A, in Riga, Latvia, outdoor engineering networks and facilities and other structures (parking lots, driveways, passages, fences).

The first 5 stages (480,000 EUR) have already been financed. Additional funding rounds (totaling €1,868,400) are now being announced. The borrower, after receiving the document authorizing construction and starting work, revalued the object (property valuation report dated 03/21/2024) and determined the current market value of the land plot - EUR 800,000 and the future market value of the property - EUR 4,830,000. In view of this, the Borrower applied for full project financing, which will amount to EUR 2,348,400, while maintaining the same ratio of asset value to loan (60%), which will be calculated based on the future asset value in accordance with clauses 44-45 of the Rules for Assessing the Reliability of Project Owners, i.e. in accordance with the established ratio, financing the completed works, which are/will be formalized in the prescribed manner by signed acts of completed works and invoices.

The loan funds of the first 5 stages were used for real estate, land plots in Jūrkalnes st. 62 and 62A, in Riga, Latvia, for the acquisition, consolidation, design and obtaining a document allowing construction, demolition of old structures and site preparation for construction, the funds of the 6th and subsequent stages will be used in stages for the full development of the project. The borrower plans to build 2,122 sq.m. m total area of two commercial buildings and rent them. The loan will be repaid by refinancing it in another financial institution, when the borrower, after completing all the construction and contracting works, will receive the final deed of the construction works and, based on it, will register the 100% completion of the building in the real estate register.

About the project

The project - two service buildings intended for automated goods reception/issuance activities. The buildings are one-story with a mezzanine (~6m high). The buildings consist of rooms of different sizes, each of which has a separate entrance from the outside. The area is accessed by one 5.5 m wide entrance from Jūrkalnes street. A roundabout is planned around both buildings. 36 parking spaces are installed along the long facades of the buildings. One place - for one goods reception - issue point. Main driveways, parking lots and sidewalks will be constructed of concrete pavers.

Two service buildings are designed, which are built perpendicular to each other. In the middle of the buildings, common building administration rooms are installed. The premises of the buildings are intended for small companies and individuals engaged in electronic commerce, for whom it is relevant to have small automated points of receipt/issuance of goods.

Both buildings will consist of main rooms (receiving/issuing goods) with entrances from the outside and auxiliary rooms with separate entrances for servicing the building complex. Parking spaces are installed along all premises, at the entrances to them. All goods receiving/dispensing facilities will be managed through a mobile application. Each room is accessed directly from the outside through a door in the gate or a door next to the gate. The gate, with dimensions of 250cmx285cm, is designed to comfortably bring in larger items. Both buildings are one-story with tech. sites where a technological site is installed. In all rooms, it is possible to install WC facilities according to the needs of the users of the rooms. The buildings have technical premises for engineering inputs, administration of the complex, as well as a shared WC room adapted for people with disabilities.

The exterior walls of the buildings are multi-layer panels of two colors. Gates and doors are equipped with translucent materials through which light enters the premises. The roofs of the buildings are gabled. Water runs off the roof through downpipes installed on the facade. At the edges of the facades, openwork, decorative elements made of metal tubular profiles are installed.

Interior decoration of the walls - multi-layer panels (facade walls) and plasterboard partitions filled with cotton wool. The floor is concrete. Toilet facilities are provided as needed. Technological sites are equipped according to the needs of the tenants. The installation of a ladder or lift (up to 3t) is specified according to the need and technology.

More about the project (see Documents).

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investeering alates 50.00 €.

Intress

Aastane tootlusmäär

Investeerimine alates 50.00 € - fikseeritud intress 12 %
Investeerimine alates 5 000.00 € - fikseeritud intress 12.5 %
Investeerimine alates 10 000.00 € - fikseeritud intress 13 %
Investeerimine alates 15 000.00 € - fikseeritud intress 13.5 %

Intressi laenusummalt arvestatakse alates päevast (kaasa arvatud), mil laenusumma makstakse laenusaaja NS PAY kontole või muule kontole (või kontodele), millest laenusaaja teavitab operaatorit kirjalikult enne laenu väljamaksmist;

Laenu tähtaeg ja tagasimakse

Laenuperiood 9 kuud

Miinimum laenu tähtaeg 4 kuud

Laenumakse Laenu perioodi lõpus

Eeldatav laenu alguskuupäev:* 2024-09-19

Laenu eeldatav tagasimaksmise kuupäev:* 2025-06-04

Kui laenusaaja maksab laenu ennetähtaegselt tagasi kui laenulepingus märgitud miinimum tähtaeg, kohustub laenusaaja maksma laenuandjale intressi kogu määratud miinimumperioodi eest.

* Laen makstakse tagasi ettevõtte tulevasest kasumist, laenu refinantseerimisest või vara müügist.

Procedure for disputes between parties to a financing transaction

The investor has the right to withdraw their investment within 96 hours from the submission of the money lending proposal on the platform

Võlgnik

Ettevõtte nimi SIA Hiltus

Ettevõtte kood 40203520487

Ettevõtte registrijärgne asukoht

Malduguņu iela 4 Riga Latvija LV-2167

Company website https://www.hiltus.lt

SIA Hiltus - the company was established on 11/08/2023. Company activities: a) general construction; (b) design; c) construction management.

Company shareholder - 100% Edvard Sokolovskij.

The companies group has successfully implemented over 30 projects.

More information https://hiltus.lt/komerciniai-projektai/

Laenutagatis

Loan collateral:

The property is pledged with a first-order mortgage at Jūrkalnes st. 62 ir 62A, Riga, Latvia:

A plot of land, the address of which is Jūrkalnes str. 62A, Riga, Latvia, land plot area - 0,3740 ha, unique No. 01000992131, land register No. 26708;
A plot of land, the address of which is Jūrkalnes str. 62, Riga, Latvia, area - 0,5821 ha, unique No. 01000990317, land register No. 100000516694.

Value of mortgaged property: 800,000 euros.

The future value of the mortgaged property: 3,991,735 euros (without VAT).

Additional means of security: company guarantee (promissory note).

Plots description

Two adjoining plots of land located on Jūrkalnes st. 62 and 62A, Riga, Latvia. For these plots, a project of service buildings and engineering structures of other purpose has been prepared and a construction permit document has been obtained. The total area of both plots is 0,9561 ha.

According to the established requirements of the territory zoning and construction regulation, this territory is suitable for the construction of new industrial-commercial objects and corresponds to the valid territorial planning of the city of Riga. Located in the mixed center development zone (JC1), which allows the construction of both types of buildings (industrial and commercial).

Depending on the location near a high traffic street, the land plots can be developed for industrial buildings with office/administrative facilities.

The mortgaged real estate is located in the Zolitūdes district of the city of Riga. It is a block consisting of Jūrkalnes, Valtaiķu, Zebrenes and Zolitūdės streets. Adjacencies: commercial buildings, public institutions, individual houses.

Good connections by public and private transport. The nearest public transport stop ~ 200 m from the object. City engineering networks are nearby.

Land plots are regular polygonal shapes. The relief is flat. The plots are completely fenced, their territory is not freely accessible. The territory is not planted. According to the valid (2018-2030) territorial planning of the city of Riga, the plot of land belongs to the mixed center construction area (JC1).

For more details (see Documentation).

Tugevad küljed ja riskid

Tugevad küljed:

Kinnisvara pantimise esimene järjekord - hüpoteek.
Company guarantee (bill of exchange).

Nõrkused:

Laenusaaja on tegutsenud vähem kui aasta.
Laenuvõtja tegevus toimub konkurentsisektoris.
The company is operating at a loss.

Võimalused:

Laenusaaja poolt makstav aastane intressimäär on 9% - 10.5%.

Ähvardused:

Noor ettevõte
Arendatav kinnistu
Rising cost of building materials.

Dokumendid

#	Faili nimi	Faili tüüp	Toimingud
1	Vertinimo atskaita Jūrkalnes iela 62, Rīga 447 000 EUR.pdf
2	Vertinimo atskaita Jūrkalnes iela 62A, Rīga 184 000 EUR.pdf
3	28_07_2023_10_09_Statybos_leidimas.pdf
4	ŽSP Jūrkalnes iela 62, Rīga.pdf
5	ŽSP Jūrkalnes iela 62A, Rīga.pdf
6	Nordspace_Jurkalnes_Construction_Project.pdf
7	Riga_Jurkalnes_62_NTV_Final.pdf
8	Articles of association.pdf
9	PIID (10 etapas).pdf

Important

Nordstreet võtab turvalisema investeeringu tagamiseks järgmised meetmed:

Projekti LTV (laenu ja väärtuse suhe) ei ületa projekti kirjelduses sätestatud LTV suhet, sealhulgas juhtudel, kui projekti finantseeritakse etapiliselt;
Juhul kui enne projekti algust vajalikku rahasummat ei koguta, tagastatakse kõik investeeringud investeerinud isikutele. Laenusaaja taotlusel võib finantseerimise lugeda väiksema kogutud summaga edukalt lõpetatuks, projekti finantseerimise võib jagada mitmeks etapiks ja / või pikendada projekti rahastamisperioodi. Nendel juhtudel teavitab Nordstreet investoreid ja avaldab oma veebisaidil teabe projekti väiksema summaga lõpetamise, projekti rahastamise mitmeks etapiks jaotamise või projekti rahastamisperioodi pikendamise kohta koos muu teabega projekti kohta;
Projekti investeerides omandavad investorid regressiõigused (nõudeõigused). Nordstreet võib anda investoritele võimaluse neid nõudeõigusi teistele platvormi kasutajatele järelturul üle anda vastavalt kasutustingimustele;
UAB Nordstreet tegevust kontrollib Leedu Keskpank ning UAB Nordstreet on lisatud Leedu Keskpanga hallatavasse ühisrahastuse finantseerimisplatvormide operaatorite avalikku nimekirja.

Laenu kohta

Laenu eesmärk Real estate development

Rahastamise suurus 130 000 €

LTV 60 %

Risk B (keskmine)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 9 kuud

Miinimum laenu tähtaeg 4 kuud

Tagatis

Real estate pledge

Garantii / käendus

Hüpoteegi järjekoht First order mortgage

Amount allocated by project owner 320 000.00 €

Purpose of the loan

About the project

More about the project (see Documents).

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investeering alates 50.00 €.

Intress

Aastane tootlusmäär

Investeerimine alates 50.00 € - fikseeritud intress 12 %
Investeerimine alates 5 000.00 € - fikseeritud intress 12.5 %
Investeerimine alates 10 000.00 € - fikseeritud intress 13 %
Investeerimine alates 15 000.00 € - fikseeritud intress 13.5 %

Laenu tähtaeg ja tagasimakse

Laenuperiood 9 kuud

Miinimum laenu tähtaeg 4 kuud

Laenumakse Laenu perioodi lõpus

Eeldatav laenu alguskuupäev:* 2024-09-19

Laenu eeldatav tagasimaksmise kuupäev:* 2025-06-04

Kui laenusaaja maksab laenu ennetähtaegselt tagasi kui laenulepingus märgitud miinimum tähtaeg, kohustub laenusaaja maksma laenuandjale intressi kogu määratud miinimumperioodi eest.

* Laen makstakse tagasi ettevõtte tulevasest kasumist, laenu refinantseerimisest või vara müügist.

Procedure for disputes between parties to a financing transaction

The investor has the right to withdraw their investment within 96 hours from the submission of the money lending proposal on the platform

Laenutagatis

Tagatis

Real estate pledge

Garantii / käendus

Kinnisvara tüüp

Commercial

Hüpoteegi järjekoht

First order mortgage

LTV

60%

Dokumentatsioon

kinnisvara hindamisakt

Aruande koostamise kuupäev

2024-03-21

Hindaja

SIA 1Partner Latvia

Loan collateral:

The property is pledged with a first-order mortgage at Jūrkalnes st. 62 ir 62A, Riga, Latvia:

A plot of land, the address of which is Jūrkalnes str. 62A, Riga, Latvia, land plot area - 0,3740 ha, unique No. 01000992131, land register No. 26708;
A plot of land, the address of which is Jūrkalnes str. 62, Riga, Latvia, area - 0,5821 ha, unique No. 01000990317, land register No. 100000516694.

Value of mortgaged property: 800,000 euros.

The future value of the mortgaged property: 3,991,735 euros (without VAT).

Additional means of security: company guarantee (promissory note).

Plots description

Depending on the location near a high traffic street, the land plots can be developed for industrial buildings with office/administrative facilities.

Good connections by public and private transport. The nearest public transport stop ~ 200 m from the object. City engineering networks are nearby.

For more details (see Documentation).

Dokumendid

#	Faili nimi	Faili tüüp	Toimingud
1	Vertinimo atskaita Jūrkalnes iela 62, Rīga 447 000 EUR.pdf
2	Vertinimo atskaita Jūrkalnes iela 62A, Rīga 184 000 EUR.pdf
3	28_07_2023_10_09_Statybos_leidimas.pdf
4	ŽSP Jūrkalnes iela 62, Rīga.pdf
5	ŽSP Jūrkalnes iela 62A, Rīga.pdf
6	Nordspace_Jurkalnes_Construction_Project.pdf
7	Riga_Jurkalnes_62_NTV_Final.pdf
8	Articles of association.pdf
9	PIID (10 etapas).pdf

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