The client is an entrepreneur active in the fields of real estate development, property management, and debt collection. Through his companies, he owns and manages residential projects, focusing on long-term stability and sustainable growth. In addition to his development activities, he has experience in other business sectors. The purpose of the current loan is to finance the purchase of an apartment, which the client subsequently plans to sell. The collateral for the loan is a 3-bedroom apartment located in a panel building in Pardubice. The apartment is currently in a pre-renovation phase, has a floor area of 103 m², and includes two balconies.
Description of the collateral property
Apartment unit – Pardubice
- Basic property description: This is a 3-bedroom apartment, which is currently in a pre-renovation state.
- Lien in the 1st order.
- Value of the property as of the date: CZK 6,100,000, August 21, 2025.
- Location and surroundings: Pardubice offers well-developed civic amenities — schools, healthcare and cultural facilities, shopping centers, and sports venues are readily available throughout the city. In terms of transportation, Pardubice is well connected — it lies on a major railway corridor and is served by an established public transport network.
- Technical condition of the property: The 3-bedroom apartment is located on the 2nd floor of a panel building and is currently in a pre-renovation state.
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.