Vievio Valley, Elektrenai

The Vievio Valley, Elektrenai project from Lithuania is seeking investments totaling 111,973 euros for refinancing, with an expected annual return of 8.6-10.2%. The minimum investment amount is 100 euros.

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

The project has a Loan-to-Value (LTV) ratio of 56%, which falls within the maximum limit of 85%. LTV ratio (the ratio of the loan amount to the market value of the collateral) is an important indicator in the financial sector, especially in secured lending. In this case, an LTV of 56% indicates that the loan amount is 56% 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, a lower LTV implies lower default risk as the borrower has more equity in the project.

The project's internal number is P00001351 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. The ESMA license is quite complex, as out of over 1000 platforms in Europe in early 2024, only 150 managed to obtain this license.

Please note that 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 and also recommend approaching investments responsibly by diversifying your investments. In the European Union, crowdfunding is not prohibited by the Deposit Insurance and Investor Responsibility Law.