Projektide loend

Lacplesa st. 24, central district, Riga, Latvia

Rahastatud

Rahastamise suurus 289 000 €

LTV 100%

Eeldatav üüritulu Up to 9.47%

Fikseeritud intressimäär 3.00%

Laenuperiood

35 kuud

Risk

A (madal)

Laenu eesmärk

Investeerimine kinnisvara üürimisse

Tagatis Real estate pledge

Riik

Latvia

Investorit 267

Kogutud:
289 000 € Laenusumma siht:
289 000 €

100.00%

Projekti värskendused

Period paid

2022-01-17

The debtor has paid interest for the period 2022-01-15. The report is available in the "Documents" section.

Period paid

2022-02-15

The debtor has paid interest for the period 2022-02-15.

January rental results breakdown

2022-02-18

Important information about January results: Lacplesa 24-5 apartments were fully occupied (by a single tenant) throughout January. Rental income is calculated from the check-out date. Income from Lacplesa 24-5 apartment will be assigned to February (after the tenant check out)! You can find detailed breakdown of rental returns in the “2022-01 results LT-EN.pdf” file uploaded in the documents section.

Period paid

2022-03-15

The debtor has paid interest for the period 2022-03-15.

Period paid

2022-04-19

The debtor has paid interest for the period 2022-04-19.

Period paid

2022-05-18

The debtor has paid interest for the period 2022-05-18.

Period paid

2022-06-15

The debtor has paid interest for the period 2022-06-15.

Period paid

2022-07-15

The debtor has paid interest for the period 2022-07-15.

Period paid

2022-08-17

The debtor has paid interest for the period 2022-08-16.

Period paid

2022-09-14

The debtor has paid interest for the period 2022-09-14.

Period paid

2022-10-18

The debtor has paid interest for the period 2022-10-18.

Period paid

2022-11-20

The debtor has paid interest for the period 2022-11-18.

Information update

2022-12-09

Please be informed that the operator of the crowdfunding platform Nordstreet UAB ("Nordstreet") is currently seeking a crowdfunding service provider authorization (license) in accordance with Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European Business Crowdfunding Service Providers ("the Regulation"). In preparation for obtaining a licence and operating under the Regulation, Nordstreet aims to ensure that it complies with the requirements for avoiding conflicts of interest set out in the Regulation in addition to the requirements of the currently applicable legislation. The Regulation prohibits a crowdfunding service provider from participating in any form in crowdfunding offers published on its crowdfunding platform. As a reminder, Nordstreet's platform finances buy-to-let projects, where the project owners are obliged to dispose of the real estate acquired with the loan amount within the timeframe set out in the loan agreement. The share of the surplus (i.e. the difference between the sale price of the real estate and the loan amount received) from these properties is to be distributed in specific proportions to the investors and Nordstreet. As a prior compliance with the Regulation's requirement not to participate in projects published on its platform, Nordstreet decided to forego the share of the surplus profits from buy-to-let projects that should be allocated to Nordstreet. We assure all investors that this decision by Nordstreet will have absolutely no impact on investors' interests. Investors' receivables in the buy-to-let projects will remain unchanged irrespective of this decision by Nordstreet. Regards Nordstreet team

Period paid

2022-12-15

The debtor has paid interest for the period 2022-12-15.

Period paid

2022-12-16

The debtor has paid interest for the period 2022-12-15.

Period paid

2023-01-18

The debtor has paid interest for the period 2023-01-18.

Period paid

2023-02-20

The debtor has paid interest for the period 2023-02-17.

Period paid

2023-03-21

The debtor has paid interest for the period 2023-03-20.

Period paid

2023-04-24

The debtor has paid interest for the period 2023-04-21.

Period paid

2023-05-17

The debtor has paid interest for the period 2023-05-17.

Payment of recovery costs received

2023-06-07

Payment of recovery costs received: 780 €

Payment of recovery costs received

2023-06-07

Payment of recovery costs received: 355 €

Information update

2023-06-08

We inform you that two apartments (Lacplesa st. 24-33 and 39) were sold this month, with a total sale price of EUR 163 We remind you that in 2022 in December, the very first sale of the apartment took place, which was sold for EUR 62,850. We emphasize that the difference between the amount of the sale and the amount paid out to investors is due to the expenses incurred in connection with the conclusion of the transactions (Broker's salary, notary expenses, legal representation expenses). Three of the four apartments were sold. Currently, the last, fourth apartment remains for rent. The buyer of the fourth apartment is being intensively searched for, we hope to sell the last apartment this year and make all the final payments. Thank you for being with Nordstreet.

Period paid

2023-06-08

The debtor has paid interest for the period 2023-06-08.

Period paid

2023-07-05

The debtor has paid interest for the period 2023-07-05.

Period paid

2023-07-25

The debtor has paid interest for the period 2023-07-25.

Period paid

2023-09-05

The debtor has paid interest for the period 2023-09-05.

Period paid

2023-09-20

The debtor has paid interest for the period 2023-09-20.

Period paid

2023-10-26

The debtor has paid interest for the period 2023-10-25.

Information update

2023-12-04

Please be informed that the last remaining unsold apartment of this project did not generate income in October. The reason for this was the closure of the apartment rental advertisement due to the ongoing property inspection and minor repair of the apartment's decoration. The broker informs that there are interested potential buyers with whom negotiations are ongoing. We expect the property to be sold in the near future. Best regards, Nordstreet team.

Period paid

2024-01-16

The debtor has paid interest for the period 2024-01-15.

Period paid

2024-02-07

The debtor has paid interest for the period 2024-02-06.

Period paid

2024-04-03

The debtor has paid interest for the period 2024-03-29.

Information update

2024-04-11

Please be informed that an offer has been received to buy the last apartment for 87TEur. The offer has been accepted and the formalities of the transaction are being coordinated. Best regards, Nordstreet team.

Ärilaenu tingimused

Laenu kohta

Laenu eesmärk Buy to let

Rahastamise suurus 289 000 €

LTV 100 %

Risk A (madal)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 35 kuud

Tagatis

Real estate pledge

Hüpoteegi järjekoht First order mortgage

Payment schedule is not applicable for this project. The interest generated by the project depends on the accommodation of the properties. The apartment lease was started on November 30, 2021. The first interest payment (after deducting administrative costs) will be paid to project investors on 2022-01-15. Payments are made for the results generated during the previous month. Subsequent interest payments will be made on the 15th of each month. The return of the project (based on historical data) can be found in the project description in the section “Business loan terms”.

Detailed breakdown of project returns:

The average annual interest rate of the project is 9.47%. This figure is based on accommodation and rental price data provided by Houseys. If the apartments are not occupied at all, investors will receive a fixed annual interest rate of 3%.

IMPORTANT TO NOTE: If rental prices or accommodation statistics exceed historical Houseys data during the lease term, any additional income (after deducting administrative costs) will go to Nordstreet platform investors!

Real estate capital appreciation and its split:

If at the end of the project term (after 36 months) the value of the apartments (RE) will be higher than the purchase price, the project investors will receive 50% of the real estate appreciation value (price increase) after sales tax. This additional yield is not included in the annual interest rate of 9.47%. The real estate price growth can significantly increase the overall profitability of the project for investors!

Original description:
Leaders of short-term real estate rent administration in Lithuania Houseys present a new investment opportunity on the NORDSTREET platform: Buy to let!

NORDSTREET platform investors have an exclusive opportunity to start a real estate rental business and earn from rising property prices. All these possibilities and more from just 100 euros!

The interest payable consists of a fixed annual interest rate + additional variable interest rate. The variable part depends on the accommodation of the apartments and the rental income.

Share of rental income (100% of rental income is allocated to investors):

Interest will start to accrue from the moment the property is pledged in favor of investors. The first interest payment will be made monthly, on the 20th day of each month. The funding term for this project is 30 days.

Distribution of capital gains:

For investors: 50%
Houseys: 40%
Nordstreet: 10%

If the borrower sells the property at a higher price than it was acquired, the capital gain will be distributed in the above proportion. Amount will be divided after deducting taxes related to the sale of assets.

Investeering alates 100 €.

Intress

Aastane tootlusmäär

Investeerimine alates 100.00 € - fikseeritud intress 3 %

Eeldatav renditulu kuni - 9.47%

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 35 kuud

Miinimum laenu tähtaeg 0 kuud

Laenumakse Laenu perioodi lõpus

Eeldatav laenu alguskuupäev:* 2021-11-12

Laenu eeldatav tagasimaksmise kuupäev:* 2024-11-07

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 Riga Lacplesa 24

Ettevõtte kood 40203349635

Ettevõtte registrijärgne asukoht

Borrower:

SIA Riga Lacplesa 24 is a company established as a special purpose company for this project. Although the company developing the project is new, the team of shareholders have extensive expertise in this field: the company's shareholder Tomas is the founder and CEO of the real estate management company Houseys!

Development Property Administrator Houseys:

Founded in 2017, Houseys is a professional short-term lease management service provider. The company uses a wide range of innovative technologies and has an experienced team to ensure optimal accommodation and attractive returns for property investors.

Currently, the company operates in Lithuania (Vilnius, Kaunas, Palanga) and Latvia (Riga). Houseys offer a wide range of property management services. Houseys property owners can sit back, relax and enjoy the returns without breaking a sweat!

In addition to property management, Houseys also provide Online Onboarding services for owners who want to manage their property on their own but need initial technical and consulting assistance. Furthermore, they advise real estate developers and landlords on all matters related to renting, both short-term and long-term.

Total number of properties for short - term management in Houseys portfolio: 70

Houseys are founded and managed by Tomas Grizas, who is the CEO of the company. Tomas is entrepreneur with his epertise being in real estate property management. Not only he is managing Houseys, Tomas also advises major real estate developers on all matters related to rent, pricing, innovative real estate solutions, and more.

Laenutagatis

Properties being purchased:

Lacplesa st. 24 – 5, Riga, Latvia, property number: 0100 926 6889, property size 18.8m2
Lacplesa st. 24 – 33, Riga, Latvia, property number: 0100 926 6874, property size 19.2m2
Lacplesa st. 24 – 34, Riga, Latvia, property number: 0100 926 6878, property size 31.2m2
Lacplesa st. 24 – 39, Riga, Latvia, property number: 0100 926 6877 , property size 31.6m2

Tugevad küljed ja riskid

Tugevad küljed:

Kinnisvara pantimise esimene järjekord - hüpoteek.

Nõrkused:

Laenuvõtja tegevus toimub konkurentsisektoris.
Projekti LTV määr on kõrge.

Võimalused:

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

Ähvardused:

Noor ettevõte
Arendatav kinnistu

Dokumendid

#	Faili nimi	Faili tüüp	Toimingud
1	Lacplesa24_Riga_4dzivokli.pdf
2	Buy to Let Pitch EN.pdf
3	Buy to Let Pitch LT.pdf
4	2021 12 result overview LT-ENG.pdf
5	2022-01 results LT-EN.pdf
6	2022-02 results LT-EN.pdf
7	2022-03 results LT-EN.pdf
8	2022-04 results LT-EN.pdf
9	2022-05 results LT-EN.pdf
10	2022-06 results LT-EN.pdf
11	2022-07 results LT-EN.pdf.pdf
12	2022-08 results LT-EN.pdf
13	2022-09 results LT-EN.pdf
14	2022-10 results LT-EN.pdf
15	2022-12 L24-5 deal LT-EN.pdf
16	2022-11 results LT-EN.pdf
17	2022-12 results LT-EN.pdf
18	2023-01 results LT-EN.pdf
19	2023-02 results LT-EN.pdf
20	2023-03 results LT-EN.pdf
21	2023-04 results LT-EN.pdf
22	2023-05 results LT-EN.pdf
23	2023-06 results LT-EN.pdf
24	2023-07results LT-EN.pdf
25	2023-08results LT-EN.pdf
26	2023-09results LT-EN.pdf
27	2023-11results LT-EN.pdf
28	2023-12 results LT-EN.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 Buy to let

Rahastamise suurus 289 000 €

LTV 100 %

Risk A (madal)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 35 kuud

Tagatis

Real estate pledge

Hüpoteegi järjekoht First order mortgage