The client has been granted a second loan. They are engaged in construction and development activities in Uherský Brod and its surroundings, focusing on smaller projects. The client owns a construction company equipped with its own machinery, including rollers, wheeled, and tracked excavators. They are also actively operating in Zlín, primarily in the construction of modern, energy-efficient family homes. Currently, they are developing two family houses in adjacent locations. The loan is intended for the purchase of land for the construction of an apartment building in Uherský Brod. The loan is secured by the client's land, with a total area of nearly 3,000 m². The surrounding area is predominantly used for family home construction.
Description of real estate collateral:
1. Land plot in Uherský Brod
- Basic property description: The land plot is located in the southeastern part of the city, in an area with ongoing development, primarily consisting of family homes. The total area of the land plots is 908 m².
- Lien in the 1st order
- Property value as of January 17, 2025: CZK 6,356,000.
- Location and surroundings: Uherský Brod has good transport accessibility – the land is accessible via an asphalt road, and a bus stop is located 500 meters away. Brno is approximately a 1.5-hour drive by car.
- Technical condition of the property: The land is designated for residential development in the urban planning scheme. The construction of an apartment building is planned on the site.
2. Land plot in Uherský Brod
- Basic property description: The total area of the land is 464 m². The location allows for connection to utility services. The land is part of a larger area of neighboring plots, where the client plans to construct two apartment buildings.
- Lien in the 1st order
- Property value as of August 16, 2024: CZK 3,248,000.
- Technical condition of the property: The land is designated for residential development in the urban planning scheme. The construction of an apartment building is planned on the site.
3. Land plot in Uherský Brod
- Basic property description: This is a land plot with an area of 1,579 m² in a developing area. Part of the area is fenced, part is paved, and part is grassed.
- Lien in the 2nd order (The previous liens are in favor of Ronda Invest a.s.)
- Property value as of August 14, 2024: CZK 9 160 000.
- Technical condition of the property: The land is designated for residential development in the urban planning scheme. The construction of five family homes is planned, specifically one triplex and one duplex.
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.