Biciuliai House XII

The Biciuliai House XII project from Lithuania raises investments of 80,000 euros for Real Estate development with an expected annual return of 11.8-13.8%. The minimum investment amount is 100 euros. The loan term is 12 months, meaning the borrower has to repay the loan and interest within 12 months after receiving the funds.

The project's risk level on the platform is indicated as D. Ratings A and B suggest lower investment risk compared to investing in credits with ratings C or D, but the returns will be lower accordingly when investing in projects with lower risk levels.

The project has a Loan-to-Value (LTV) ratio of 80%, which falls within the set maximum value of 85%. LTV ratio, the ratio of the loan amount to the collateral's market value, is an important indicator in finance, especially in collateral-based lending. An 80% LTV indicates that the loan amount is 80% of the current market value of the collateral, likely real estate or another asset. The maximum allowable LTV value for the project is 85%, which may be a restriction or standard requirement for this type of financing. These LTV constraints are set to reduce risks for the lender and ensure a more stable financial position for the project.

The internal project number is P00000799-12 on the licensed crowdfunding platform Profitus from Lithuania. The platform states they received a license in November 2023 from the European crowdfunding regulator ESMA. The ESMA license is quite complex, as out of over 1000 platforms in Europe at the beginning of 2024, only 150 managed to obtain this license.

Please note, the platform specifies that this information should not be construed as a recommendation, advice, 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 Profitus platform and also recommend approaching investments responsibly by diversifying your portfolio.