Agricultural loan "Jaunbalti", Zeltiņu pag., Alūksnes nov.
€ 7050.00
Investuoti
€ 7050.00
Surinkta € 7050.00
Visos projekto lėšos surinktos
Paskola
- Suma € 7050.00
- Palūkanų norma 11%
- Laikotarpis 24m
- Įkaito tipas Žemė
- LTV 12%
Apibūdinimas
This project provides LendSecured investors with an opportunity to finance an agricultural loan secured by a first rank mortgage on the real estate “Jaunbalti”, located in Zeltiņu parish, Alūksnes region. The funding target for this project is € 7 050.00, which will be used in order to repay an existing business loan and obtain additional working capital.
This project gives an opportunity to make a loan with an annual rate of 11%, LTV of 12%, loan term of 24 months, with monthly manner of interest payments and full repayment of the principal at the end of the loan term.
The collateral consists of 3 land plots with a total area of 37.5 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 € 14 100,00 will be registered on the collateral in the Land Register of Latvia.
The current market value of the collateral is estimated at € 57 750 subsequently making loan to collateral value ratio (LTV) - 12%. Even upon a forced sale, estimating that the real estate will be sold for 30% lower than the market value (€ 40 425), LTV will not exceed 50%.
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.
The Borrower is self-employed in agricultural sector and is engaged in cattle breeding. The funds will be used to repay an existing business loan and obtain working capital.
Borrower aims to repay the loan from incoming business revenues (sale of cattle). Furthermore, borrower has other options of loan repayment at his disposal, for example, sale of one of the land plots.
Kitos paskolos gavėjo paskolos
Grafikas
| # | Data | Pagrindinė suma | Palūkanos | Iš viso | Būsena |
|---|---|---|---|---|---|
| 1 | 25.09.2021 | € 105.80 | € 64.62 | € 170.42 |
Sumokėta
|
| 2 | 25.10.2021 | € 107.21 | € 63.65 | € 170.86 |
Sumokėta
|
| 3 | 25.11.2021 | € 108.64 | € 62.67 | € 171.31 |
Sumokėta
|
| 4 | 25.12.2021 | € 110.09 | € 61.67 | € 171.76 |
Sumokėta
|
| 5 | 18.01.2022 | € 6618.26 | € 45.00 | € 6663.26 |
Sumokėta
|
Paskolos gavėjas
- Šalis Latvia, LV
Įkaitas
- Šalis Latvia, LV
- Įkaito tipas Žemė
- Įkaito vertė € 57750.00
- LTV 12%
- Hipoteka first rank
Investicijos skaidymas
| Investuotojas | Suma | |
|---|---|---|
| LANDE kofinansavimas | € 0.00 | |
| Pagrindinės investicijos | € 0.00 | |
| Investuotojas 1 | € 0.00 | |
| Investuotojas 2 | € 0.00 | |
| Investuotojas 3 | € 0.00 | |
| Investuotojas 4 | € 0.00 | |
| Investuotojas 5 | € 0.00 | |
| Investuotojas 6 | € 0.00 | |
| Investuotojas 7 | € 0.00 | |
| Investuotojas 8 | € 0.00 | |
| Investuotojas 9 | € 0.00 | |
| Investuotojas 10 | € 0.00 | |
| Investuotojas 11 | € 0.00 | |
| Investuotojas 12 | € 0.00 | |
| Investuotojas 13 | € 0.00 | |
| Investuotojas 14 | € 0.00 | |
| Investuotojas 15 | € 0.00 | |
| Investuotojas 16 | € 0.00 | |
| Investuotojas 17 | € 0.00 | |
| Investuotojas 18 | € 0.00 | |
| Investuotojas 19 | € 0.00 | |
| Investuotojas 20 | € 0.00 | |
| Investuotojas 21 | € 0.00 | |
| Investuotojas 22 | € 0.00 | |
| Investuotojas 23 | € 0.00 | |
| Investuotojas 24 | € 0.00 | |
| Investuotojas 25 | € 0.00 | |
| Investuotojas 26 | € 0.00 | |
| Investuotojas 27 | € 0.00 | |
| Investuotojas 28 | € 0.00 | |
| Investuotojas 29 | € 0.00 | |
| Investuotojas 30 | € 0.00 | |
| Investuotojas 31 | € 0.00 | |
| Investuotojas 32 | € 0.00 | |
| Investuotojas 33 | € 0.00 | |
| Investuotojas 34 | € 0.00 | |
| Investuotojas 35 | € 0.00 | |
| Investuotojas 36 | € 0.00 | |
| Investuotojas 37 | € 0.00 | |
| Investuotojas 38 | € 0.00 | |
| Investuotojas 39 | € 0.00 | |
| Investuotojas 40 | € 0.00 | |
| Investuotojas 41 | € 0.00 | |
| Investuotojas 42 | € 0.00 | |
| Investuotojas 43 | € 0.00 | |
| Investuotojas 44 | € 0.00 | |
| Investuotojas 45 | € 0.00 | |
| Investuotojas 46 | € 0.00 | |
| Investuotojas 47 | € 0.00 | |
| Investuotojas 48 | € 0.00 | |
| Investuotojas 49 | € 0.00 | |
| Investuotojas 50 | € 0.00 | |
| Investuotojas 51 | € 0.00 | |
| Investuotojas 52 | € 0.00 | |
| Investuotojas 53 | € 0.00 | |
| Investuotojas 54 | € 0.00 | |
| Investuotojas 55 | € 0.00 | |
| Investuotojas 56 | € 0.00 | |
| Iš viso | € 7050.00 |