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Villa in Heřmanův Městec – Pardubice Region II.
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Invest in a secured loan

Villa in Heřmanův Městec – Pardubice Region II. (1st Phase)

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Heřmanův Městec

Yield

7% p.a.
info

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 6,500,000

Maturity

24 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

39.1%
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LTV = Loan to Value
(translated as “loan to value”)

LTV indicates the ratio of the property’s value to the loan’s value. The lower the LTV, the higher the collateral.

LTV calculation = loan amount / estimated market price × 100

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Get to know the project


This is a repeat transaction with a long-standing client who repays all obligations properly and on time. The client operates in the fields of sculpture and restoration and is also involved in the rental and revitalisation of real estate, primarily in Heřmanův Městec. The purpose of the loan is to purchase an investment plot in Croatia, with the intention of subsequently constructing a family house. The primary collateral provided by the client is a villa with adjoining land in Heřmanův Městec, covering a total area of 3,750 m². Additional collateral consists of a guesthouse with a restaurant and bowling facilities. This property includes 28 apartments, a restaurant and four bowling lanes. The collateral package is completed by a family house comprising a 6+1 apartment on the ground floor and in the attic, with a restaurant located in the basement. Currently, the first tranche of CZK 2,650,000 has been drawn.

Description of Real Estate Collateral

01

Family villa – Heřmanův Městec

Collateral value CZK 27,718,430

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  • Basic property description: The villa in Heřmanův Městec has three above-ground floors and an attic, with a total usable floor area of 457 m². The land belonging to the villa covers a total area of 3,750 m². The ground floor contains utility rooms and a small apartment. The second and third floors are used as the owners’ living quarters. There is also one small apartment in the attic.
  • Property value as of the valuation date: CZK 27,718,430, based on a valuation dated 2 October 2023.
  • Second-ranking lien (the prior-ranking liens are held in favour of Ronda Invest a.s.).
  • Location and surroundings: The property is located in Heřmanův Městec, a historic town in the Pardubice Region with a full range of civic amenities. The area offers a peaceful environment, good transport accessibility and attractive opportunities for tourism and recreation. Nearby attractions include the château park, natural landmarks of the Železné hory Mountains and other popular tourist destinations.
  • Technical condition of the property: The property is in a standard structural and technical condition. A new façade was completed in 1998. Routine maintenance and repairs are carried out regularly. As of the valuation date, the villa is occupied by the owner. The extensive grounds are used as a garden serving the property.
02

Family house in Heřmanův Městec

Collateral value CZK 12,100,000

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  • Basic property description: A detached family house in Heřmanův Městec with a usable floor area of 462 m². The property is fully basemented and comprises one above-ground floor and an attic. It includes one 6+1 apartment and a restaurant located in the basement.
  • Property value as of the valuation date: CZK 12,100,000.00, based on a valuation dated 24 February 2023.
  • First-ranking lien.
  • Location and surroundings: The property is located in Heřmanův Městec, a historic town in the Pardubice Region with a full range of civic amenities. The area offers a peaceful environment, good transport accessibility and attractive opportunities for tourism and recreation. Nearby attractions include the château park, natural landmarks of the Železné hory Mountains and other popular tourist destinations.
  • Technical condition of the property: The house is in a standard structural and technical condition. Renovation works were carried out in the 1990s.
03

Guesthouse in Heřmanův Městec

Collateral value CZK 13,000,000

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  • Basic property description: A guesthouse in Heřmanův Městec featuring a restaurant and four bowling lanes. The property also includes 28 apartments.

  • Property value as of the valuation date: CZK 13,000,000, determined by an internal assessment.

  • Second-ranking lien (the prior-ranking liens are held in favour of Ronda Invest a.s.).

  • Location and surroundings: The property is located in Heřmanův Městec, a historic town in the Pardubice Region with a full range of civic amenities. The area offers a peaceful environment, good transport accessibility and attractive opportunities for tourism and recreation. Nearby attractions include the château park, natural landmarks of the Železné hory Mountains and other popular tourist destinations, supporting the potential of the accommodation and food service facilities.
  • Technical condition of the property: An operational accommodation and restaurant property. The interiors largely reflect renovations carried out in the 1990s. The property has been used for commercial purposes on a long-term basis.
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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:
1
Legal form:
czech company (without negative information)
Amount of the provided loan:
CZK 6,500,000
Volume from the total loan amount offered for participation
CZK 2,650,000
Repayment sources:
Sale and rental of real estate
Purpose of utilization:
Refinancing of liabilities and investment activities
Numerical designation of the loan
441
home

COLLATERAL
INFORMATION

TOTAL VALUE OF SECURITY
CZK 52,818,430
Total collateral value:
Villa with land in Heřmanův Městec
Location:
Heřmanův Městec
Notarial record:
YES
LTV
*The LTV reflects previously granted loans. Upon drawdown of the second tranche, the LTV will change to 46.39 %.

Photogallery

kalkulacka CALCULATOR sipka
HOW MUCH DO YOU WANT TO INVEST?
CZK
FOR HOW LONG?
24 months
ON YIELD
9 % p.a.
EXPECTED YIELD
CZK
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The calculator calculation is based on a model example of a one-time repayment loan investment (full principal repayment at the end of the loan term). Returns are paid to investors monthly, and the calculator does not consider reinvestment. The actual performance of the investment may differ from the model example. It represents gross yield, subject to taxation. At RONDA INVEST, there are no entry fees or regular fees.