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Residential Houses and Building Plots
Invest in a secured loan

Residential Houses and Building Plots (8th phase)

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Predboj (Prague-East) and Trnova

Yield

7.2534% p.a.
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The return represents the amount of money you get for the capital invested. It indicates the difference between the final value of the investment and the capital employed.

p.a. means per annum, i.e. yield calculated on an annual basis.

Example:

You invest CZK 10,000 with a return of 10% p.a. We will pay you the income in a proportional amount every month, you will get a total of CZK 1,000 in income per year.

Loan amount

CZK 140,000,000

Maturity

19 months
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The maturity date indicates the binding date by which the loan will be repaid and when your investment ends.

After this date, we will send the original invested amount to your account along with the last return.

LTV

53.53%
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*the LTV ratio will change with the drawdown of additional tranches and the gradual appreciation of the location

You can no longer invest

Get to know the project


The client has been active in the field of land development and real estate development projects since 1996. Over more than twenty years of experience, the client has successfully completed a number of residential and specialized projects, including land development in Kunratice, the construction of family houses in Trnová, and a senior housing project. As part of the current project, the client is developing a residential area in Předboj, near Prague. To date, the client has completed 18 villas in the area, of which three remain to be finalized (primarily external landscaping and finishing works) and sold. The client’s intention is to continue the development of the locality through the construction of an additional eight villas. An existing structure on the site has already been demolished to make way for the planned family homes. The collateral for the current financing consists of three family houses and a large plot of land designated for the future construction of eight villas. The building permit process for the eight villas is currently underway, and the tranche presently being drawn will be used for further project development and site preparation. The client has long focused on the premium residential segment, which is also evidenced by additional loan security. This consists of land plots in Trnová, where the client plans to undertake further development following the completion of the Předboj project. The financing will be provided in the form of a loan disbursed in tranches according to the progress of the project.

Loan amount provided: CZK 140,000,000 (currently drawn: CZK 105,000,000)

Description of Real Estate Collateral

01

Family Homes and Development Land in Předboj

Collateral value CZK 112 000 000

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  • Basic Property Description: Three family houses and a land plot designated for the construction of additional family houses and villas. The land has already been subdivided to accommodate future development.
  • Property Value as of: CZK 112,000,000, according to a valuation dated 19 August 2024.
  • First-ranking mortgage lien
  • Location and Surroundings: The municipality of Předboj offers peaceful living in a pleasant rural setting on the northern outskirts of Prague. The location is particularly attractive due to its combination of privacy, abundant green spaces, and excellent accessibility to the capital city. Basic amenities are available within the municipality, while a broader range of services can be found in nearby towns and Prague districts. Residents with an active lifestyle will appreciate the proximity to nature, cycling routes, and opportunities for walking and recreational sports. Předboj represents an ideal choice for those seeking quiet family living with convenient access to Prague city centre.
  • Technical Condition of the Property: The family houses are in the final stage of construction and nearing completion. Each house includes a double garage and an outdoor swimming pool. The plots range in size from 1,140 m² to 1,250 m² and are connected to public water supply, sewerage, and electricity networks. Project documentation for the future development of the site has been completed, and the application for a building permit is ready for submission.
     
02

Development Land in Trnová

Collateral value CZK 84 150 000

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  • Basic Property Description: The property consists of a portfolio of land plots with an approved building permit, covering a total area of 16,000 m².
  • Property Value as of: CZK 84,150,000, according to a valuation dated 15 July 2024. The value of the portion designated for individual residential development was determined using an analogous valuation approach.
  • First-ranking mortgage lien.
  • Location and Surroundings: The municipality of Trnová offers peaceful living in an attractive location near Prague, surrounded by nature and green spaces. Thanks to its excellent accessibility to the capital city, it is an ideal choice for those seeking to combine the convenience of urban living with a pleasant rural environment. Basic amenities are available within the municipality, while additional services can be found in nearby towns and villages. The area provides a wide range of opportunities for outdoor recreation, including hiking, cycling, and relaxation in nature. Trnová is a sought-after residential location due to its tranquil atmosphere, safe environment, and proximity to Prague.
  • Technical Condition of the Property: The property comprises land plots with an approved building permit for the development of a residential facility with services for senior citizens. A portion of the land is also designated for future individual residential development. The total land area amounts to 16,000 m².
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INFORMATION ABOUT THE LOAN
AND THE BORROWER

Repayment frequency of principal:
in one lump sum on the final maturity date of the loan
Repayment frequency of interest:
monthly
Repayment ethics:
seamless (all previous instalments duly paid)
Number of guarantors/co-debtors:
9
Legal form:
czech company (without negative information)
Amount of the provided loan:
CZK 140,000,000
Volume from the total loan amount offered for participation
CZK 10,000,000
Repayment sources:
sale of family houses
Purpose of utilization:
loan refinancing and property development
Numerical designation of the loan
318
home

COLLATERAL
INFORMATION

TOTAL VALUE OF SECURITY
CZK 196,150,000
Total collateral value:
residential houses and building plots – Predboj, Prague-East
Location:
Predboj (Prague-East) and Trnova
Notarial record:
YES
LTV
53.53 %
*the LTV ratio will change with the drawdown of additional tranches and the gradual appreciation of the location

Photogallery