Agricultural loan “Ozoli”, Ērgļu parish, Madonas region
FG
RO

Icon check Projekt ist vollständig finanziert

Agricultural loan “Ozoli”, Ērgļu parish, Madonas region

€ 14500.00

Investition vornehmen

€ 14500.00

Finanziert von € 14500.00

Icon check Projekt ist vollständig finanziert

Kredit

  • Betrag € 14500.00
  • Zinssatz 11%
  • Laufzeit 23m
  • Art der Sicherheit Land
  • Beleihungsquote 48%

Beschreibung

This project provides LendSecured investors with an opportunity to finance an agricultural loan secured by a first rank mortgage on the real estate “Ozoli”, located in Ērgļu parish, Madonas region for a farm owner. The funding target for this project is € 14 500.00, which will be used for working capital.

This project gives an opportunity to make a loan with an annual rate of 11%, LTV of 48%, loan term of 24 months, with monthly manner of interest and principal payments.

The collateral consists of a land plot with a total area of 15.9 ha, consisting both of agricultural and forest land. In order to secure the claims, arising out of loan agreements, a first-hand mortgage in the amount of € 29 000.00 will be registered on the collateral in the Land Register of Latvia.

The current market value of the collateral is estimated at € 30 500.00 subsequently making loan to collateral value ratio (LTV) - 48%.

The demand for agricultural land currently in Latvia exceeds supply and 25% of farmers are forced to rent the land, as there is none available on the market. The price of agricultural land plots in the parish of the collateral ranges from € 1 750 EUR per ha to € 2 600 per ha. The average price of forest land keep increasing, on average being € 2 140 per ha.

Borrower is an owner of a farm focused on providing veterinary services. Borrower is seeking funds to provide working capital. Borrower aims to repay the loan from incoming business revenues. Borrower’s farm is a recipient of support payments from European Agricultural Guarantee Fund and European Agricultural Fund for Rural Development.

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Zahlungsplan

Der Rückzahlungsplan des Kredits ist rein informativ und kann Änderungen unterliegen.
Schonfrist – 5-tägige Frist nach dem vorgesehenen Zahlungstermin laut Zahlungsplan, in der der Kredit aufgrund der Überweisungsdauer noch nicht als verzögert gilt.
# Datum Hauptbetrag Zinsen Gesamt Status
1 15.11.2021 € 66.82 € 132.92 € 199.74 Icon check Bezahlt
2 15.12.2021 € 67.44 € 132.30 € 199.74 Icon check Bezahlt
3 15.01.2022 € 68.05 € 131.69 € 199.74 Icon check Bezahlt
4 15.02.2022 € 68.68 € 131.06 € 199.74 Icon check Bezahlt
5 15.03.2022 € 69.31 € 130.43 € 199.74 Icon check Bezahlt
6 15.04.2022 € 69.94 € 129.80 € 199.74 Icon check Bezahlt
7 15.05.2022 € 70.58 € 129.16 € 199.74 Icon check Bezahlt
8 15.06.2022 € 71.23 € 128.51 € 199.74 Icon check Bezahlt
9 15.07.2022 € 71.88 € 127.86 € 199.74 Icon check Bezahlt
10 09.08.2022 € 13876.07 € 98.47 € 13974.54 Icon check Bezahlt

Kreditnehmer

  • Land Latvia, LV

Sicherheit

  • Land Latvia, LV
  • Art der Sicherheit Land
  • Beleihungswert € 30500.00
  • Beleihungsquote 48%

Investitionsaufschlüsselung

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Gesamtbeträge € 14123.48