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Land

Invest in a secured loan

Land (5th phase)
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Jesenice (Prague-West)

Yield

8,6256% p.a.
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The return represents the amount of money you get for the capital invested. It indicates the difference between the final value of the investment and the capital employed.

p.a. means per annum, i.e. yield calculated on an annual basis.

Example:

You invest CZK 10,000 with a return of 10% p.a. We will pay you the income in a proportional amount every month, you will get a total of CZK 1,000 in income per year.

Min. investment

CZK 1,000
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The minimum investment indicates the lowest possible amount that can be invested in the project.

Maturity

5 months
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The maturity date indicates the binding date by which the loan will be repaid and when your investment ends.

After this date, we will send the original invested amount to your account along with the last return.

LTV

48.72%
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LTV = Loan to Value
(translated as “loan to value”)

LTV indicates the ratio of the property’s value to the loan’s value. The lower the LTV, the higher the collateral.

LTV calculation = loan amount / estimated market price × 100

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Get to know the project


The loan was granted to a Czech company to free up its own funds, which the client used to purchase building land in the Prague-East district. By extending the loan, it was granted for an additional credit period. The borrower's group company utilized the funds to acquire properties in Prague 10 with the intention of developing and subsequently selling them.

The loan is repaid from the income generated by the borrower and their group of companies through real estate activities and property development, primarily in the capital city of Prague. The borrower and their group of companies have additional sources of income from the rental of real estate assets. This marks the third loan granted to the debtor, and the preceding two loans have been duly and timely repaid.

Description of Real Estate Collateral:

Building land in Jesenice
  • The land area is 8,529 m2, and according to the zoning plan, the land is designated as an area SC – Functionally Mixed (Central) Zone, with the possibility of using it for the construction of family houses or multifunctional buildings. A study for the construction of 11 family houses with 2 to 3 large apartments ranging from 4+kk to 6+kk layouts has been prepared for the land.
  • Lien in the 1st order
  • Value of the property as of the date: CZK 51,500,000 as of November 9 2020.
Condominium villa in Vinohrady
  • Basic property description: The surrounding development consists of similar villas and family houses built around 1930. Within walking distance, there are shops and the FLORA center. The attractiveness of the location is attributed to its proximity and easy accessibility to the center of Prague, as well as the good infrastructure in the vicinity. There is parking space for approximately 7 cars on the property next to the house.
  • Lien in the 3rd order
  • Value of the property as of the date: The value of the villa based on the assessment by an independent appraiser as of September 22, 2022, is CZK 75,000,000. The outstanding principal balance of two loans secured by the first and second mortgages as of December 1, 2023, amounts to CZK 29,131,511.50.
  • LTV taking into account previously provided financing related to collateral items: 48.72%.
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INFORMATION ABOUT THE LOAN
AND THE BORROWER

Repayment frequency of principal:
on the final maturity date of the loan
Repayment frequency of interest:
monthly
Repayment ethics:
seamless (all previous instalments duly paid)
Number of guarantors/co-debtors:
2
Legal form:
Czech company
Amount of the provided loan:
CZK 32,500,000
Repayment sources:
real estate activity and property development
Purpose of utilization:
non-purpose funds earmarked for the business development of the client's group of companies
Numerical designation of the loan
119
home

INFORMATION ABOUT THE LOAN
AND THE BORROWER

TOTAL VALUE OF SECURITY
CZK 126,500,000
Total collateral value:
building land in Jesenice and condominium villa in Vinohrady
Location:
Jesenice (Prague-West)
Notarial record:
YES

Photogallery

kalkulacka CALCULATOR sipka
HOW MUCH DO YOU WANT TO INVEST?
CZK
FOR HOW LONG?
24 months
ON YIELD
9 % p.a.
EXPECTED YIELD
CZK
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The calculator calculation is based on a model example of a one-time repayment loan investment (full principal repayment at the end of the loan term). Returns are paid to investors monthly, and the calculator does not consider reinvestment. The actual performance of the investment may differ from the model example. It represents gross yield, subject to taxation. At RONDA INVEST, there are no entry fees or regular fees.