The loan was provided to a client engaged in a wide range of activities, including the provision of construction subcontracting services (e.g., for the construction of a hospital in South Bohemia), real estate development, and IT projects. The loan is intended for the acquisition of land to develop a real estate project near České Budějovice, in Roudné. The land is extensive and will be divided into 17 building plots, which will connect to the existing residential housing. Additionally, the plots are located in one of the popular areas near České Budějovice. Green spaces are also in the immediate vicinity, further enhancing the location’s appeal for future residents and contributing to a pleasant living environment.
Description of the real estate collateral:
Lands in Roudne
- Lien in the 1st order
- Property value: CZK 20,700,000 as of September 22,2024.
- Location and surroundings: The area of Roudne is attractive due to its peaceful rural atmosphere, which harmonizes with the natural surroundings while still offering quick access to České Budějovice.
- Technical Condition of the Property: The land can be divided into 17 building plots, each approximately 400 m² in size. All necessary utility connections—electricity, water supply, and sewage—are already in place on the site.
Description of Real Estate Collateral
- Basic Property Description: The property is a family house located in Hořovice, which the client acquired through a public state auction. The house is currently in its original condition and is awaiting renovation.
- Property Value as of: CZK 6,300,000, according to a valuation dated 9 October 2025.
- First-ranking mortgage lien
- Location and Surroundings: Basic amenities are within walking distance, and a bus stop is located approximately 200 metres from the property.
- Technical Condition of the Property: The family house is currently vacant. A comprehensive renovation of the property is planned, followed by its conversion into several compact residential units.
- Basic Property Description:
- Property Value as of:
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings:
- Technical Condition of the Property:
- Basic Property Description: A residential building located in the centre of Hořovice comprising 12 compact residential units.
- Property Value as of: CZK 18,800,000, according to a valuation dated 13 February 2024.
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings: Basic amenities are within walking distance, and a bus stop is located approximately 200 metres from the property.
- Technical Condition of the Property: The residential units are equipped with modern features, including remote-controlled heating.
- Basic Property Description: A residential building comprising two above-ground floors, two building wings, a converted attic, and a partial basement.
- Property Value as of: CZK 23,641,186, according to a valuation dated 29 April 2025.
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings: Roudnice nad Labem is a smaller town within commuting distance of Prague, offering a direct railway connection to the capital and convenient access to the D8 motorway.
- Technical Condition of the Property: The property is currently undergoing renovation, primarily of the first (front) building wing, and is approximately 20% complete. Upon completion, the building will comprise 22 rental apartments with a total usable floor area of 1,154 m².