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Residential Unit in Neratovice – Central Bohemian Region
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Invest in a secured loan

Residential Unit in Neratovice – Central Bohemian Region (1st phase)

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Neratovice – Central Bohemian Region

Yield

7.26% 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 2,200,000

Maturity

35 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

45.93%
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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


The client is professionally engaged in teaching English, including for corporate clients. In addition to his main business activity, he and his wife are also involved in renting out a property in Neratovice, which also serves as collateral for the loan. The purpose of the loan is to finance the purchase of another property. The collateral consists of a residential unit in Neratovice with a total area of 61.34 m². The property has been used for long-term rental and therefore represents an additional source of income.

Description of Real Estate Collateral

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Residential Unit in Neratovice – Central Bohemian Region

Collateral value CZK 4,790,000

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  • Basic property description: The collateral consists of a 2+1 residential unit in Neratovice, located on the third above-ground floor of an apartment building. The total area of the unit, including ancillary spaces, is 53.19 m². The apartment is in good technical condition, is well maintained and has a balcony. The unit is currently rented out. The apartment building has undergone a complete revitalisation, including thermal insulation and window replacement.
  • Property value as of the valuation date: CZK 4,790,000, based on a valuation dated 23 September 2026.
  • First-ranking lien.
  • Location and surroundings: Neratovice is located in the Central Bohemian Region, approximately 20 kilometres north of Prague. The town offers a full range of civic amenities, including schools, shops, healthcare services, restaurants and sports facilities. A key advantage is the good transport connection to Prague and other towns in the region, both by car and public transport. The surrounding area also offers ample greenery and opportunities for leisure activities, walking and cycling. The location is suitable for everyday living thanks to its combination of accessible services, good transport links and proximity to the capital
  • Technical condition of the property: Fully renovated.
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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:
Natural person
Amount of the provided loan:
CZK 2,200,000
Volume from the total loan amount offered for participation
CZK 2,200,000
Repayment sources:
rental and business income
Purpose of utilization:
roperty purchasep
Numerical designation of the loan
451
home

COLLATERAL
INFORMATION

TOTAL VALUE OF SECURITY
CZK 4,790,000
Total collateral value:
residential Unit in Neratovice
Location:
Neratovice – Central Bohemian Region
Notarial record:
YES
LTV
45.93 %

LTV = 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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