Apartment K31-3, Vilnius

The project Apartment K31-3, Vilnius from the country Lithuania is raising investments amounting to 98663 euros for Real Estate acquisition with an expected annual return of 7.3-9.3%. The minimum investment amount is 100 euros.

The loan term is 12 months, meaning the period for the borrower to repay the borrowed amount and interest on the loan. In this case, the borrower must repay the loan within 12 months after receiving the loan.

The project's risk level on the platform is indicated as A-. On the platform, projects with ratings of "A+", "A", "A-" account for about 9%, while projects with ratings of "B+", "B", "B-" make up the majority at 58%. There are also projects with ratings of "C+", "C", "C-", which are fewer at around 30%, and the remaining projects have a rating of D. Ratings A and B indicate that the expected investment risk is lower than investing in credits with ratings C or D, but the returns will be correspondingly lower if you invest in projects with a lower risk level.

The project has a Loan-to-Value (LTV) ratio of 67%. The Loan-to-Value ratio (the ratio of the loan amount to the market value of the collateral) is an important indicator in the financial sector, especially in collateralized lending. In this case, an LTV of 67% indicates that the loan amount is 67% of the current market value of the collateral (likely real estate or another asset). Such LTV restrictions are set to reduce risks for the lender and ensure a more stable financial position for the project. For example, the lower the LTV, the lower the risk of default, as the borrower has more equity in the project.

The internal project number is P00001225 on the licensed crowdfunding platform Profitus from Lithuania. The platform states that they obtained a license in November 2023 from the European crowdfunding regulator ESMA.

Please note that the platform specifies that this information cannot be construed as a recommendation, indication, or invitation to use a specific investment service and is not considered the basis or part of subsequent transactions. Investing always carries the risk of losing part or all of the investments. I agree with the Profitus platform and also recommend approaching investment responsibly by diversifying your investments. In the European Union countries, crowdfunding is not prohibited by the Deposit Insurance and Investor Responsibility Law.