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: The property is a former art school building in Kladno. After reconstruction, it will comprise a total of 8 residential units with a combined usable area of 653 m².
- Lien in the 1st order.
- Value of the property as of date: CZK 14,175,000.00, October 02, 2025
- Location and surroundings: Kladno is an attractive location due to its proximity to Prague, excellent transport accessibility, and comprehensive civic amenities, making it a sought-after area for both living and investment.
- Technical condition of the property: The building is situated on a sloping site — on one side it is embedded approximately two-thirds below ground level, and on the other side about halfway. The property has a basement, a ground floor, and one upper floor, with the potential for an attic conversion. The building is designated for complete reconstruction and redevelopment.
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