The client has been engaged in real estate development for a long time and owns a construction company specializing in residential projects. He primarily operates in Uherský Brod and Zlín, and is currently working on two main projects. One involves the construction of two family houses, which is nearing completion. The other focuses on the acquisition of land in Uherský Brod for the development of smaller apartment housing.
This is the third loan granted to the client, which he will use to finalize the financing and consolidation of building plots for the new project. On these plots, located on the southeastern edge of the city, he plans to construct rental apartment housing. The area is dynamically developing, with ongoing construction primarily consisting of family houses.
Description of real estate collateral:
Land plot in Uhersky Brod
- Basic property description: The land is located on the southeastern edge of the city, in an area with ongoing development, predominantly consisting of family houses. The total area of the plots is 908 m².
- Lien in the 2nd order (senior-ranking liens are held by Ronda Invest a.s.)
- Property value as of January 17, 2025: CZK 6,356,000.
- Location and surroundings: The land is easily accessible via an asphalt road, with the nearest bus stop located approximately 500 meters away.
- Technical condition of the property: The land is in a pre-building permit stage.
Adjacent plots
- Basic property description: Adjacent plots designated for future development of rental apartment housing, with a total area of 764 m².
- Lien in the 2nd order (senior-ranking liens are held by Ronda Invest a.s.)
- Property value as of August 16, 2024: CZK 5,348,000.
- Technical condition of the property: The set of plots is designated for the future development of residential buildings. The land is prepared for further development in accordance with the zoning plan.
Description of Real Estate Collateral
- Basic Property Description: The property is a family house located in Hořovice, which the client acquired through a public state auction. The house is currently in its original condition and is awaiting renovation.
- Property Value as of: CZK 6,300,000, according to a valuation dated 9 October 2025.
- First-ranking mortgage lien
- Location and Surroundings: Basic amenities are within walking distance, and a bus stop is located approximately 200 metres from the property.
- Technical Condition of the Property: The family house is currently vacant. A comprehensive renovation of the property is planned, followed by its conversion into several compact residential units.
- Basic Property Description:
- Property Value as of:
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings:
- Technical Condition of the Property:
- Basic Property Description: A residential building located in the centre of Hořovice comprising 12 compact residential units.
- Property Value as of: CZK 18,800,000, according to a valuation dated 13 February 2024.
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings: Basic amenities are within walking distance, and a bus stop is located approximately 200 metres from the property.
- Technical Condition of the Property: The residential units are equipped with modern features, including remote-controlled heating.
- Basic Property Description: A residential building comprising two above-ground floors, two building wings, a converted attic, and a partial basement.
- Property Value as of: CZK 23,641,186, according to a valuation dated 29 April 2025.
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings: Roudnice nad Labem is a smaller town within commuting distance of Prague, offering a direct railway connection to the capital and convenient access to the D8 motorway.
- Technical Condition of the Property: The property is currently undergoing renovation, primarily of the first (front) building wing, and is approximately 20% complete. Upon completion, the building will comprise 22 rental apartments with a total usable floor area of 1,154 m².