Projektide loend

Sergiškių st. 24 and 24A, Palanga, Lithuania (1 stage)

Investeeringute ootel

Rahastamise suurus 150 000 €

LTV 65%

Aastane tootlusmäär 12.00% - 13.50%

Projekti kogu oodatav tootlus 12.00% - 13.50%

Laenuperiood

12 kuud

Risk

B (keskmine)

Laenu eesmärk

Arenduslaen

Tagatis Real estate pledge

Riik

Lithuania

Investorit 95

Kogutud:
22 852 € Laenusumma siht:
150 000 €

15.23%

Kui palju teenin, kui investeerin:

Investeeringu suurus

100.00 €

127 148.00 €

12% 12.25% 12.5% 12.75% 13% 13.5%

Selle projektiga teenin ühe kuu jooksul

€

12 kuu pärast teenin

€

Ärilaenu tingimused

Laenu kohta

Laenu eesmärk Real estate development

Rahastamise suurus 150 000 €

LTV 65 %

Risk B (keskmine)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 12 kuud

Miinimum laenu tähtaeg 4 kuud

Tagatis

Real estate pledge

Garantii / käendus

Hüpoteegi järjekoht First order mortgage

Amount allocated by project owner 280 000.00 €

Purpose of the loan

The amount of EUR 624,000 is required for financing, which will be collected in stages. The loan funds will be used for the real estate object, i.e. two-bedroom apartment 170.49 sq. m and 170.23 sq. m of the total area of unfinished residential houses located on Sergiškių st. 24 and 24A, Palanga, Lithuania, for construction and finishing works. The loan will be repaid by refinancing it in another financial institution or from the sale of assets and/or from the company's income. The amount that the project owner allocates to the project himself is EUR 280,000.

About the project

The project consists of a plot of land and two unfinished two-story residential houses with recreation rooms. Construction period 2021 - 2023.

Structural elements of buildings: foundations - reinforced concrete; walls - block masonry, exterior decoration - decorative tiles; overlay - reinforced concrete; roof - pitched, roof covering - metal; windows - plastic frames with glass units; the entrance door is plastic. On 10/31/2023, cadastral measurements of residential houses were carried out and 85% construction completion was registered, which corresponds to the current physical condition. The condition of the interior of the residential house is partially finished. The condition of the facade of the house is good. Partial finish: floor - concrete, plasterboard walls - plastered; ceiling - without decoration. In each building, two apartments are formed, common rooms are installed. Communications and engineering equipment: electricity. Municipal water supply and sewage disposal (inputs and outputs). The underfloor heating system is installed.

Residential houses with rest rooms are planned and built according to the requirements for residential (rest) houses. In the opinion of property appraisers, the use of the property according to its current purpose is the maximum and best use of the property and the alternative use is inappropriate.

The plot of land is 0.1000 ha (10 acres) in area. The purpose of use is different. The land plot was formed by carrying out cadastral measurements. The welfare of the plot is managed. The shape of the plot of land is close to a rectangle. The plot is not fenced, not planted, the yard is paved with concrete blocks. Communications - electricity, municipal water supply and sewage disposal.

More about the project (see Documents).

Investeering alates 100 €.

Intress

Aastane tootlusmäär

Investeerimine alates 100.00 € - fikseeritud intress 12 %
Investeerimine alates 1 000.00 € - fikseeritud intress 12.25 %
Investeerimine alates 3 000.00 € - fikseeritud intress 12.5 %
Investeerimine alates 5 000.00 € - fikseeritud intress 12.75 %
Investeerimine alates 7 000.00 € - fikseeritud intress 13 %
Investeerimine alates 10 000.00 € - 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 12 kuud

Miinimum laenu tähtaeg 4 kuud

Laenumakse Laenu perioodi lõpus

Eeldatav laenu alguskuupäev:* 2024-05-10

Laenu eeldatav tagasimaksmise kuupäev:* 2025-05-10

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 JSC Vygenta ir partneriai

Ettevõtte kood 135302358

Ettevõtte registrijärgne asukoht

Ašmenos 1-oji g. 14 Kaunas Lietuva Lt-44999

JSC Vygenta ir partneriai - the company was founded on February 19, 1999. The company's main areas of activity are: a) Real estate development; b) Construction and renovation of residential and non-residential buildings; c) Completion and finishing of construction.

The company's shareholders are:

Agnius Matjošaitis 34% of shares;
Aušra Ūksienė 33% of shares;
Jurgita Ramoškienė 33% of shares.

Laenutagatis

Loan collateral:

The property located at Sergiškių st. 24 and 24A, Palanga, Lithuania is pledged as a first mortgage:

½ part of the land plot, whose address is Sergiškių st. 24, Palanga, Lithuania, area - 0.1000 ha, unique No. 4400-4812-0829, cadastral No. 2501/0016:529 Palanga city c. a., purpose: other (method of use: territories of one- and two-apartment residential buildings) and Building - Residential house with recreation facilities, whose address is Sergiškių st. 24, Palanga, Lithuania, total area - 170.49 sq. m, marked on the plan - 1A2/b, unique No. 4400-5816-7810, purpose: residential (two-apartment buildings);
½ part of the land plot, whose address is Sergiškių st. 24, Palanga, Lithuania, area - 0.1000 ha, unique No. 4400-4812-0829, cadastral No. 2501/0016:529 Palanga city c. a., purpose: other (method of use: territories of one- and two-apartment residential buildings) and Building - Residential house with recreation facilities, whose address is Sergiškių st. 24A, Palanga, Lithuania, total area - 170.23 sq. m, marked on the plan - 2A2/b, unique No. 4400-5816-7865, purpose: residential (two-apartment buildings).

Value of mortgaged property: 960,000 euros.

Additional security measures:

Company guarantee (promissory note);
Guarantee of director and shareholder Agniaus Matjošaitis.

Description of the mortgaged property

The mortgaged property consists of three property objects: (a) A plot of land, the address of which is Sergiškiu st. 24, Palanga, Lithuania, unique No. 4400-4812-0829, cadastral number 2501/0016:529 Palanga city c. a., area - 0.1000 ha, purpose: other, type of use: territories of one- and two-family residential buildings; (b) Building – Residential house with recreation facilities, whose address is Sergiškių st. 24, Palanga, Lithuania, total area - 170.49 sq. m, marked on the plan - 1A2/b, unique No. 4400-5816-7810, purpose: residential (two-apartment buildings), completion - 85%; (c) Building – Residential building with recreation facilities, whose address is Sergiškių st. 24A, Palanga, Lithuania, total area - 170.23 sq. m, marked on the plan - 2A2/b, unique No. 4400-5816-7865, purpose: residential (two-apartment buildings), completion - 85%.

The property to be mortgaged - a plot of land and a residential houses with recreation facilities are located in Palanga, Sergiškių st. 24 and 24A. The mortgaged property is located in the city of Palanga, in the settlement of Monciškių, about 1.2 km west of the Liepaja - Palanga road and about 1 km east of the Baltic Sea. The quarter is bounded in the north by Elija Street, in the west by Ošupis Street, in the south by Mončiškių Street, and in the east by Miško Street. In the Monciškių settlement, single-family houses, two-family houses and individual residential houses, recreational buildings, and other land plots without buildings prevail. The settlement is further away from residents' service companies, schools, kindergartens, public facilities (the nearest ones are in Šventoji settlement, 3 km away). The access street is unpaved.

Factors affecting asset value and liquidity:

Quiet residential/recreational location, near the beach of the Baltic Sea;
Good and convenient access;
Residential houses of new construction;
Residential houses with partial decoration.

For more details (see About the Project) (see Documentation).

Tugevad küljed ja riskid

Tugevad küljed:

Ettevõtte garantii (veksel) ning selle direktori ja osaniku garantii.
Kinnisvara pantimise esimene järjekord - hüpoteek.
Projekt on lõpusirgel

Nõrkused:

Laenusaaja hilines väikeste summade maksmisega.
Laenuvõtja tegevus toimub konkurentsisektoris.

Võimalused:

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

Ähvardused:

Ebakindel majanduslik olukord.
Rising cost of building materials.
The property is under construction.

Dokumendid

#	Faili nimi	Faili tüüp	Toimingud
1	Istatai.pdf
2	Turto vertinimas Sregiškių g 24 1 dalis InReal.pdf
3	Turto vertinimas Sregiškių g 24 2 dalis InReal.pdf
4	NT Registras 44_2190820.pdf
5	PIID.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 150 000 €

LTV 65 %

Risk B (keskmine)

Intressimakse Igakuiselt

Laenumakse Laenu perioodi lõpus

Laenuperiood 12 kuud

Miinimum laenu tähtaeg 4 kuud

Tagatis

Real estate pledge

Garantii / käendus

Hüpoteegi järjekoht First order mortgage

Amount allocated by project owner 280 000.00 €

Purpose of the loan

About the project

The project consists of a plot of land and two unfinished two-story residential houses with recreation rooms. Construction period 2021 - 2023.

More about the project (see Documents).

Investeering alates 100 €.

Intress

Aastane tootlusmäär

Investeerimine alates 100.00 € - fikseeritud intress 12 %
Investeerimine alates 1 000.00 € - fikseeritud intress 12.25 %
Investeerimine alates 3 000.00 € - fikseeritud intress 12.5 %
Investeerimine alates 5 000.00 € - fikseeritud intress 12.75 %
Investeerimine alates 7 000.00 € - fikseeritud intress 13 %
Investeerimine alates 10 000.00 € - fikseeritud intress 13.5 %

Laenu tähtaeg ja tagasimakse

Laenuperiood 12 kuud

Miinimum laenu tähtaeg 4 kuud

Laenumakse Laenu perioodi lõpus

Eeldatav laenu alguskuupäev:* 2024-05-10

Laenu eeldatav tagasimaksmise kuupäev:* 2025-05-10

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

Residential

Hüpoteegi järjekoht

First order mortgage

LTV

65%

Dokumentatsioon

kinnisvara hindamisakt

Aruande koostamise kuupäev

2024-03-27

Hindaja

UAB „Inreal“

Loan collateral:

The property located at Sergiškių st. 24 and 24A, Palanga, Lithuania is pledged as a first mortgage:

½ part of the land plot, whose address is Sergiškių st. 24, Palanga, Lithuania, area - 0.1000 ha, unique No. 4400-4812-0829, cadastral No. 2501/0016:529 Palanga city c. a., purpose: other (method of use: territories of one- and two-apartment residential buildings) and Building - Residential house with recreation facilities, whose address is Sergiškių st. 24, Palanga, Lithuania, total area - 170.49 sq. m, marked on the plan - 1A2/b, unique No. 4400-5816-7810, purpose: residential (two-apartment buildings);
½ part of the land plot, whose address is Sergiškių st. 24, Palanga, Lithuania, area - 0.1000 ha, unique No. 4400-4812-0829, cadastral No. 2501/0016:529 Palanga city c. a., purpose: other (method of use: territories of one- and two-apartment residential buildings) and Building - Residential house with recreation facilities, whose address is Sergiškių st. 24A, Palanga, Lithuania, total area - 170.23 sq. m, marked on the plan - 2A2/b, unique No. 4400-5816-7865, purpose: residential (two-apartment buildings).

Value of mortgaged property: 960,000 euros.

Additional security measures:

Company guarantee (promissory note);
Guarantee of director and shareholder Agniaus Matjošaitis.

Description of the mortgaged property

Factors affecting asset value and liquidity:

Quiet residential/recreational location, near the beach of the Baltic Sea;
Good and convenient access;
Residential houses of new construction;
Residential houses with partial decoration.

For more details (see About the Project) (see Documentation).

Viimased laenud

Nordstreediga on võimalus kõigil hakata investoriks! Registreeri kohe ja alusta investeerimist!

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