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 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.