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 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.