Individo House on Gvazdiku Street, Vilnius

Projekti Indivijuali Baita le Gvazdiku Street, Vilnius le LT, asiraye 150,000 euro ke investimente be Real Estate development le asiraye annual return ke 7.3-9.3%. Le term ke loan ke 12 nech, ke borrower be repaye le loan amount ke interest within 12 nech after receiving le loan.

Le risk level ke project ke platform ke rated A-. Projects ke ratings "A+", "A", "A-" constitute around 9% ke platform, wode projects ke ratings "B+", "B", "B-" make up le majority ke 58%. Wode projects ke ratings "C+", "C", "C-", comprising around 30%, wode le remaining projects ke rated D. Ratings A wode B indicate lower expected investment risk compared to investing in credits rated C wode D, but le returns will correspondingly be lower when investing in projects with lower risk levels.

Le project ke have a Loan-to-Value (LTV) ratio ke 26%. LTV ratio (le ratio ke le loan amount ke le market value ke le collateral) ke an important indicator le financial sector, especially le collateral-based lending. In this case, an LTV ke 26% indicates ke le loan amount ke 26% ke le current market value ke le collateral (likely real estate wode another asset). Such LTV restrictions ke set to reduce risks for le lender wode ensure a more stable financial position for le project. Lower LTV implies lower default risk as le borrower have more equity in le project.

Le internal number ke project ke P00001190 le le licensed crowdfunding platform Profitus le Lithuania. Le platform states ke they obtained a license in November 2023 from le European crowdfunding regulator ESMA. Le ESMA license ke quite complex, as out ke over 1000 platforms le Europe in early 2024, only 150 managed to obtain this license.

Please note, le platform specifies ke this information should not be construed as a recommendation, advice, wode invitation to use a specific investment service wode is not considered le basis wode part ke subsequent transactions. Investing always carries le risk ke losing part wode all ke le investments. I agree with Profitus platform wode also recommend approaching investing responsibly by diversifying your investments.