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Renovuojamos patalpos Vilniuje, Žirmūnuose
Amount of funding
80 000 €
LTV
47%
Annual interest rate
9% - 11%
Total expected project return
9% - 11%
Loan period
12 mo.
Risk
A-
Purpose of the loan
Loan for acquisition
Collateral
NT įkeitimas ir laidavimas
Country
Lithuania
Lithuania
Investors
15
Raised:
80 000 € Goal:
80 000 €
80 000 € Goal:
80 000 €
100.00%
| # | File name | File type | Actions |
|---|---|---|---|
| 1 | 2 Buto vertinimo ataskaita, Klaipėda, Varpų g. 13-29. VSV028 sign.pdf |
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| 2 | Balansas ir PNA 2024.pdf |
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| 3 | Techninis projektas Butas 1.pdf |
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| 4 | Techninis projektas Butas 2.pdf |
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| 5 | Ataskaita Vilnius Kalvariju g. 64-4 (002).pdf |
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| 6 | Balansas 2025.pdf |
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| 7 | PN ataskaita 2025.pdf |
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| 8 | PAGRINDINĖS INFORMACIJOS APIE INVESTICIJĄ DOKUMENTAS. MB Cemtransa.pdf |
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About the loan
Purpose of the loan
Real estate development
Amount of funding
80 000 €
LTV
47 %
Risk
A-
Payment of interest
Every month
Loan repayment
At the end of the loan period
Loan period
12 mo.
Minimum loan period
6 mo.
Collateral
NT įkeitimas ir laidavimas
Mortgage rank
First order mortgage
Amount allocated by project owner
118 000.00 €
FINANSAVIMO POREIKIS
MB „Cemtransa“ įgyvendina administracinių patalpų investicinį projektą Vilniaus mieste, Žirmūnuose, adresu Kareivių g. 19-181.
Projekto tikslas - įsigyti 123,86 kv. m administracines patalpas, padalinti jas į dvi atskiras ( apie 60 kv. m) patalpas, atlikti pilną įrengimą ir parduoti, padidinant turto vertę.
Projekto įgyvendiminui reikalinga 80 000 EUR paskola, kuri bus naudojama daliai turto įsigijimo -70 000 EUR ir remonto bei įrengimo darbams finansuoti - 10 000 EUR.
Vystytojas į projektą investuoja 118 000 EUR nuosavų lėšų, iš kuriu 70 000 EUR jau investuota į turto įsigijimą ir papildomai investuos 48 000 EUR į remonto bei įrengimo darbus. Vystytojo nuosava dalis sudaro 59.6 % visos projekto savikainos. Investuotojų finansuojama dalis yra mežesnė nei vystytojo investuotas kapitalas , todėl finansavimo struktūra išlieka konservatyvi.
UŽTIKRINIMO PRIEMONĖ
Investuotojams, kaip paskolos grąžinimo užtikrinimo priemonė, įkeičiami du butai ( pirmos eilės hipoteka ) ir sutekiamas laidavimas:
1. Butas, Kalvarijų g. 64-4, Vilnius ( plotas 29,58 kv.m )
Buto vertė pagal 2025-11-07 vertinimo ataskaitą - 92 800 EUR
2. Butas, Varpų g. 13-29, Klaipėda ( Plotas 43,72 kv.m )
Buto vertė pagal 2025-11-27 vertinimo ataskaitą - 77 300 EUR
- Bendra įkeičiamo turto vertė - 170 100 EUR (vertinimo ataskaitą žr. skiltyje „Dokumentai“);
- LTV (paskolos ir vertės santykis) - 47 %;
- Įkeičiamo turto vertė yra 2 kartus didesnė už suteiktą paskolą.
FINANSAVIMO STRUKTŪRA
- Paskolos suma - 80 000 EUR (40,4 % nuo projekto vertės);
- Vystytojo nuosavos lėšos - 118 000 EUR (59,6 % nuo projekto vertės);
- Patalpų pirkimo kaina - 140 000 EUR ( 1 130 EUR/ kv.m );
- Remonto ir įrengimo kaštai - 58 000 EUR;
- Projekto savikaina - 198 000 EUR;
- Planuojama patalpų pardavimo kaina - 346 808 EUR ( 2 800 EUR/kv.m ).
PASKOLOS GRĄŽINIMAS
Paskolos grąžinimas planuojamas iš:
- Vienos arba abiejų įrengtų patalpų pardavimo;
- Kito akcininkų valdomo nekilnojamojo turto realizavimo;
- Galimas refinansavimas kitoje kredito įstaigoje.
PROJEKTO STIPRYBĖS
- Konservatyvus finansavimas. LTV siekia tik 47 %, todėl investuotojų rizika yra reikšmingai sumažinta;
- Paskolos gavėjo nuosava lėšų dalis projekte -118 000 EUR. (59,6 % nuo projekto vertės);
- Žemas LTV - įkeičiamo turto vertė 2 karto viršija paskolos sumą;
- Lokacija - Vilnius, Kareivių g.
Investment from 500.00 €.
Interest
Annual interest rate
- Investing from 500.00 € - fixed interest 9 %
- Investing from 5 000.00 € - fixed interest 10 %
- Investing from 10 000.00 € - fixed interest 11 %
The Interest on the Loan Amount shall be calculated from and including the date of disbursement of the Loan Amount to the Debtor's Account or to such other account (or accounts) as notified by the Debtor to the Operator in writing prior to the disbursement of the Loan Amount.
Loan term and repayment
Loan period
12 mo.
Minimum loan period
6 mo.
Loan repayment
At the end of the loan period
Estimated start date of the loan:*
2026-03-03
Estimated loan repayment date:*
2027-03-03
If the Debtor repays the Loan earlier than after the specified minimum loan period, it undertakes to pay interest to the Lender for the entire specified minimum period.
* The loan is planned to be repaid by the end of the project term from the expected growing income of the company, increasing profits, sale of assets or refinancing of the loan.
Procedure for disputes between parties to a financing transaction
The investor has the right to withdraw their investment within 96 hours from the submission of the money lending proposal on the platform
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- Risk group B+
-
Annual interest rate
10% - 12%
- LTV 58% (max. 70%)
- Payout frequency Monthly
- Months 12
- Collateral Real estate pledge
- Risk group B+
-
Annual interest rate
10% - 12%
- LTV 67%
- Payout frequency Monthly
- Months 9
- Collateral Real estate pledge
- Risk group A-
-
Annual interest rate
12% - 14%
- LTV 61%
- Payout frequency Monthly
- Months 12
- Collateral Real estate pledge
- Risk group B+
-
Annual interest rate
10% - 12%
- LTV 60%
- Payout frequency Monthly
- Months 6
- Collateral Real estate pledge
- Risk group A-
-
Annual interest rate
9% - 11%
- LTV 47%
- Payout frequency Monthly
- Months 12
- Collateral NT įkeitimas ir laidavimas
- Risk group B+
-
Annual interest rate
10% - 12%
- LTV 56%
- Payout frequency Monthly
- Months 12
- Collateral Real estate pledge
Lithuania
Will be announced soon
Kalnėnų Kotedžai, Vilnius ( I etapas )
Raised:
0 € Goal:
100 000 €
0 € Goal:
100 000 €
0%
Lithuania
Processing
Status indicates that the loan disbursement conditions were met and the transaction was successful. The loan was paid out to the debtor and interest is charged to the investors.
Loftas Vilniuje , Žirmūnai
Raised:
80 000 € Goal:
80 000 €
80 000 € Goal:
80 000 €
100%
Lithuania
Processing
Status indicates that the loan disbursement conditions were met and the transaction was successful. The loan was paid out to the debtor and interest is charged to the investors.
Vaikų ir jaunimo reabilitacijos centras Klaipėdoje-copy-fe98bd42
Raised:
160 000 € Goal:
160 000 €
160 000 € Goal:
160 000 €
100%
Lithuania
Processing
Status indicates that the loan disbursement conditions were met and the transaction was successful. The loan was paid out to the debtor and interest is charged to the investors.
Butas Vilniuje, Fabijoniškės
Raised:
70 000 € Goal:
70 000 €
70 000 € Goal:
70 000 €
100%
Lithuania
Processing
Status indicates that the loan disbursement conditions were met and the transaction was successful. The loan was paid out to the debtor and interest is charged to the investors.
Renovuojamos patalpos Vilniuje, Žirmūnuose
Raised:
80 000 € Goal:
80 000 €
80 000 € Goal:
80 000 €
100%
Lithuania
Processing
Status indicates that the loan disbursement conditions were met and the transaction was successful. The loan was paid out to the debtor and interest is charged to the investors.
Atnaujinamas Butas Vilniuje, Karoliniškės
Raised:
64 000 € Goal:
64 000 €
64 000 € Goal:
64 000 €
100%
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Loan types:
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- Refinancing loans
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