Invest in the city that is booming: Lisbon!
Type of Opportunity: Participative Loan1 Modality: BUY-TO-LET
Portugal makes an official appearance with its third opportunity on the platform! Lisbon is back with a new opportunity that consists of granting a loan to a project developer for the purchase, complete renovation with the Home Staging2 strategy, rent and sale of an apartment in the Portuguese capital.
It is important to note some of the characteristics of this BUY-TO-LET opportunity:
The apartment is located in the Parroquia de Algés neighborhood of Dafundo, in the Oeiras municipality. It’s an area with great potential of increasing value since it is located a short distance from Marginal Avenue and the gardens of the National Stadium of Jamor, one of the main points of interest in the area. In addition, it is close to the beach and with very good connection to the main roads of the city both by transport and by several bus and train lines, as well as easy access to the main roads leading to the center of Lisbon and Oeiras.
The apartment is specifically on the street Rua Joseph Bleck 33, it is a 39m2 residence with a terrace of 25m2. After the renovations, the distribution will consist of:
In addition, both the living room and the bedroom will have direct access to the outside area.
Once reformed, both the interior and the exterior terrace will be decorated, under the Home Staging2 strategy with the aim of increasing the commercialization speed for its traditional rental.
The project developer will be responsible for carrying out all the tasks and necessary steps to carry out the sale, execute and control the rehabilitation of the property, carry out the marketing strategy (rent and subsequent sale in this case) or by itself; well through third parties. In addition to monitoring throughout the life of the project and take charge of performing the necessary tasks for the management of the day to day of the property.
Portugal is booming, is one of the countries in Europe where the cost of housing has risen more, namely 10.4%5, well above the average of the Euro Zone (4.1%).
This is the best time, invest in Lisbon!
Risks and warnings: HOUSERS is not a credit institution or an investment services company. Investment in projects published by HOUSERS is not covered by any investment fund. This project has not been supervised by the CNMV, the Bank of Spain or any other regulator, Spanish or foreign. The information provided by the promoter has not been reviewed by the CNMV nor is it a prospectus approved by the CNMV. HOUSERS does not provide financial advice, so nothing on this website should be interpreted as such. The investment in this project involves the following risks: risk of total or partial loss of the invested capital, risk of not obtaining the expected cash yield and risk of illiquidity to recover the investment as well as the risk that the tenant does not pay the monthly rent or be late in payment; subordinate character of the loan, in particular to the mortgagee, in those cases in which the acquisition of the property object of the project is financed additionally by means of loans with mortgage guarantee. The expressed profitability is based on mere estimates of the future evolution of the amount of the rents and the prices of the properties, which may or may not occur. The promoter accumulates 2 projects on the platform, which entails an additional risk of concentration. The promoter has limited own resources so that his responsibility in the project is limited to € 3,010. By not having the resources to deal with the commission of Housers, it is financed within the project. An estimate has been made of the commission charged to the investor, for an average investment of € 1,000 for which Housers would charge € 4 per month during the first year of project life and € 8 at the end of the project if the estimated profitability is met. The maximum term to invest in this opportunity may be lengthened by an additional 25% to the term initially foreseen, in accordance with the Law for the Promotion of Business Financing. Likewise, HOUSERS may close the financing of this opportunity/project closed when it has been financed by 90%.
* The revaluation of the price of the area in the last 12 months according to an external report made by Tinsa, (valuation entity approved by the Bank of Spain) is 4.30%.
* The Business Plan estimates a sale price of € 197,500 in 5 years, estimating an annual and constant growth of 3%.
1 Intermediary financing instrument between the capital (equity participation) and the long-term loan. Participative loans are loans (that is, the promoter is obliged to return the financing received) whose characteristic is that the interest received by the person who lends the money depends on the benefits obtained by the person who receives the loan.
2 Marketing strategy based on techniques that enhance the home and give it a more attractive look for potential buyers. Take a look at one of our flats sold under this modality here.
3 The estimated annual net return from rental has been provided by an Appraiser registered by the Bank of Spain, may be higher or lower than the published one and may not be constant over time.
The calculation methodology for obtaining the annual net profitability estimated by the rent, the revaluation of the area and the estimated accumulated net profitability are based on the appraisal report, by a registered appraiser and approved by the Bank of Spain.
4 The contact between investors in the CCD, as well as the possible formalization of the sale, should be done separately without any intervention of the platform and in accordance with the provisions of the general regulations that affect the transmissibility of the instrument.
5 In the third quarter of 2017 compared to the same period of the previous year, according to Eurostat data.
Housers is a platform that facilitates access to equity loans related to real estate transactions promoted by third-party companies, previously analyzed and validated. Housers does not offer financial advice and none of the proposed activities should be considered as such. The analyzes shown in these pages are general information and do not in any way constitute specific advice. The projects illustrated are not subject to the supervision of any national or international financial authority or regulator. The transactions presented are forecasts only and as such, they may be subject to change. Investing through Housers involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should only be done as part of a diversified portfolio. Your capital is at risk..
SHARE PRICE: average Price of the shares or titles selected.
MARKET VALUE: Value of the title or share at market price.
RENTAL INCOME: annual estimated income on your investment during the first year.
CAPITAL GAINS: the estimated value increase of your investment in the first year. This is calculated adjusting your purchasing price to the market value and increasing it with the estimate annual value increase of the area. This amount is only cashable if the titles or shares are sold.
February 27, 2018