The loan was granted to a self-employed individual to refinance their financial obligations. A portion of the loan was used for further development of the client’s properties, particularly the creation of additional residential units. The client has been in business since 1993 and generates income from a wide range of activities. Their primary source of income is operating freight transport across the Czech Republic, utilizing both smaller delivery vans and larger trucks. Additionally, using their own vehicles, the client provides moving services. The properties serving as collateral are rented out long-term and include a fitness center with extensive facilities, as well as a restaurant.
Description of the real estate collateral:
Commercial Property in Stredokluky
- Basic Description of the Property: This is a mixed-use building, which partly consists of commercial spaces and partially spaces for long-term accommodation. The property has been partially renovated.
- Lien in the 1st order
- Property value as of 08.12.2021: 4,000,000 CZK.
- Technical condition of the property: Each residential unit has its own boiler and water heater and is accessible from the main shared hallway. The pitched roof of the property is in very good condition.
Family House in Stredokluky
- Basic description of theproperty: The family house is located in Prague-West, and the plot includes a courtyard and a built-up area. The flat plot also features an auxiliary building that serves as a fitness center with a sauna and solarium.
- Lien in the 1st order
- Property value as of 08.12.2021: 9,600,000 CZK.
- Technical condition of the property: The house has undergone a previous renovation, including installations. The access road on the property surrounding the house is made of concrete grass pavers, allowing parking for up to three cars. The inner courtyard is partially grass-covered, with the remaining surface paved with stones.
Description of Real Estate Collateral
- Basic description of the property: Land plots designated for the construction of a residential building. The building plot is flat, with a slight slope towards the southeast.
- Lien in the 1st order.
- Value of the property as of date: CZK 49,000,000.00, October 10, 2025
- Location and surroundings: Pardubice is a regional capital with a dynamically developing economy, high-quality infrastructure, and a wide range of services, making it one of the most sought-after residential locations in Eastern Bohemia.
- Technical condition of the property: The land plots are currently in the process of obtaining a building permit. Once granted, they will be developed with the construction of a residential building.
- Basic description of the property: The plots are of irregular shape and generally level terrain with a gentle gradient, covering a total area of 6,534 m².
- Lien in the 1st order.
- Value of the property as of date: CZK 25,000,000.00, professional evaluation prepared on the basis of the appraisal dated 23 September 2025.
- Location and surroundings: Pardubice is a regional capital with a dynamically developing economy, high-quality infrastructure, and a wide range of services, making it one of the most sought-after residential locations in Eastern Bohemia.
- Technical condition of the property: The land plots are currently in the process of obtaining a building permit. Once granted, they will be developed with the construction of a residential building.