Projektide loend

Buy to let project V. Šopeno str. 1B-26 (Purchase)

Rahastatud

Rahastamise suurus 134 000 €

Eeldatav üüritulu Up to 6.86%

Fikseeritud intressimäär 6.00%

Laenuperiood

36 kuud

Risk

A (madal)

Laenu eesmärk

Investeerimine kinnisvara üürimisse

Tagatis Real estate pledge

Riik

Lithuania

Investorit 336

Kogutud:
134 000 € Laenusumma siht:
134 000 €

100.00%

Järelturg

Projekti nimi	Intress	Kuni eeldatava laenuperioodi lõpuni	Investeeringu suurus	Price	Boonus/ allahindlus	Pakkumine on kehtiv kuni
Buy to let project V. Šopeno str. 1B-26 (Purchase)	6.00 %	779 d.	100.00 €	98.00 €	-2.00 %	2024-04-26	Kuva pakkumine Üksikasjad
Buy to let project V. Šopeno str. 1B-26 (Purchase)	6.00 %	779 d.	100.00 €	102.20 €	2.20 %	2024-05-01	Kuva pakkumine Üksikasjad

Projekti värskendused

Period paid

2023-07-26

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

Period paid

2023-08-23

The debtor has paid interest for the period 2023-08-22.

Period paid

2023-09-27

The debtor has paid interest for the period 2023-09-27.

Period paid

2023-10-31

The debtor has paid interest for the period 2023-10-31.

Period paid

2023-11-30

The debtor has paid interest for the period 2023-11-20.

Period paid

2024-01-03

The debtor has paid interest for the period 2023-12-29.

Period paid

2024-03-08

The debtor has paid interest for the period 2024-02-29.

Period paid

2024-04-02

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

Ärilaenu tingimused

Laenu kohta

Laenu eesmärk Buy to let

Rahastamise suurus 134 000 €

Risk A (madal)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 36 kuud

Tagatis

Real estate pledge

Hüpoteegi järjekoht First order mortgage

Nordstreet introduces another buy-to-let property offering (English: "Buy to Let"), which allows platform members to finance real estate for rent and earn from the increase in property value after the sale of the property!

In 2021 on November 30, the first "Buy to Let" project initiated by "Nordstreet" started: 4 new and modernly equipped apartments in the center of Riga, Latvia. They have already started successfully generating returns for investors! Find out all the details about this project HERE

IMPORTANT TO MENTION: If the rental price or occupancy statistics exceed Houseys' historical data during the lease term, all the surplus profit generated by the lease (minus administrative expenses) will go to the investors of the Nordstreet platform!

You can find a detailed presentation of the project in the "Documents" section.

Payment schedule is not applicable for this project. The interest generated by the project depends on the accommodation of the properties. It is planned to start renting the premises April 01, 2023. The first interest payment (after deducting administrative costs) will be paid to project investors on 2023-05-20. 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 6,86 % + 1.83% expected annual property appreciation. 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 6%.

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 6,86%. The real estate price growth can significantly increase the overall profitability of the project for investors!

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

Interest will start to be calculated when the property is pledged in favor of the investors.

Distribution of capital gains:

For investors: 50%
Nordstreet: 50%

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.

We present carefully selected projects on the NORDSTREET platform, but we point out that when investing you risk losing part or all of the invested funds. Invest wisely. You can familiarize yourself with the risks here.

Investeering alates 100 €.

Intress

Aastane tootlusmäär

Investeerimine alates 100.00 € - fikseeritud intress 6 %

Eeldatav renditulu kuni - 6.86%

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 36 kuud

Miinimum laenu tähtaeg 0 kuud

Laenumakse Laenu perioodi lõpus

Eeldatav laenu alguskuupäev:* 2023-06-06

Laenu eeldatav tagasimaksmise kuupäev:* 2026-06-06

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 LTD "Šopeno 1B"

Ettevõtte kood 306197917

Ettevõtte registrijärgne asukoht

V.Šopeno 1b Vilnius Lietuva 03211

Borrower:

LTD "Šopeno 1B" established as a special purpose vehicle for this project. Although the company developing the project is new, the project owner signs a cooperation agreement with the project administrator Houseys. The latter's team of shareholders has accumulated extensive experience.

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.

Houseys also advises real estate developers and owners on all matters related to renting, both short and long term.

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

Laenutagatis

Pledged first real estate mortgage property:

Flat, unique no. 4400-5759-7463:5514, address V. Šopeno str. 1B-26, Vilnius, Lihuania, area 28.19 kv. m.

Value of pledged assets: EUR 128 000

*Vilnius real estate prices have doubled over the past 10 years, maintaining a 7.5% annual growth. We used a more conservative 4.6% annual price growth rate for our calculations. The data is taken from the 2022 Ober Haus Baltic Real Estate Market Review.

Project location:

The Old Town, V. Šopeno street is in the very heart of the city of Vilnius, where the main and places of interest of the city of Vilnius, restaurants, cafes, schools, and convenient transportation are always quickly accessible. The apartment is inside a courtyard, so the environment is calm and quiet.

Tugevad küljed ja riskid

Tugevad küljed:

Kinnisvara pantimise esimene järjekord - hüpoteek.
The project is completed.

Nõrkused:

Laenusaaja on tegutsenud vähem kui aasta.
Laenuvõtja tegevus toimub konkurentsisektoris.
Projekti LTV määr on kõrge.

Võimalused:

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

Ähvardused:

Noor ettevõte
Ebakindel majanduslik olukord.

Dokumendid

#	Faili nimi	Faili tüüp	Toimingud
1	UAB_Sopeno_1B_Vilnius_V_Sopeno_g_1B-26_A-23-01-11-ARB42.pdf
2	Sopeno 26 BTL LT.pdf
3	Sopeno 26 BTL EN.pdf
4	2023-06 results LT-EN.pdf
5	2023-07 results LT-EN.pdf
6	2023-08 results LT-EN.pdf
7	2023-09 results LT-EN.pdf
8	2023-10 results LT-EN.pdf
9	2023-11 results LT-EN.pdf
10	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 134 000 €

Risk A (madal)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 36 kuud

Tagatis

Real estate pledge

Hüpoteegi järjekoht First order mortgage

You can find a detailed presentation of the project in the "Documents" section.

Detailed breakdown of project returns:

Real estate capital appreciation and its split:

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

Interest will start to be calculated when the property is pledged in favor of the investors.

Distribution of capital gains:

For investors: 50%
Nordstreet: 50%