• Experienced developer: The project owner belongs to a group of companies operating in the real estate development market since 2006. Over the course of its activities, more than 20 residential and commercial projects have been completed, with a total area exceeding 12 000 m².
• Additional security: A guarantee for the full loan amount is additionally provided by the company’s manager and UAB NTX Projektai.
  
• Location potential: The project is being developed in the rapidly growing Kalnėnai area, where expanding infrastructure and continuous residential development support stable housing demand.

Interest rates according to investment amount:
– From 100 EUR to 299 EUR – 8.00%
– From 300 EUR to 749 EUR – 8.30%
– From 750 EUR to 2 499 EUR – 8.60%
– From 2 500 EUR to 7 499 EUR – 8.90%
– From 7 500 EUR to 24 999 EUR – 9.20%
– From 25 000 EUR – 9.50%
Important: separate investments are not aggregated and cannot be combined.

Project objective:
The project owner intends to acquire a 0.2607 ha land plot located at Osetinų g. 6, Vilnius. A mid-sized apartment building project is planned on the plot, for which a valid building permit has already been issued. According to the approved design, the project includes:

• 28 apartments (total saleable area – 1 805,19 m²);
• 28 bicycle storage units;
• 21 parking spaces.
  

Construction is scheduled to start in Q2 2026 and to be completed in Q2 2027. The signing of notarised sale–purchase agreements is planned to begin in Q2 2027.

The total projected sales revenue of the project amounts to 5 903 045 EUR.

Location:
The project is being developed in the Kalnėnai district, in the eastern part of Vilnius, approximately 7–8 km from the city centre. In recent years, the area has been rapidly developing and is forming as a residential zone with newly built individual and semi-detached housing quarters. From a long-term perspective, the location is considered growing due to ongoing urban development, infrastructure improvements and the formation of a stable residential environment. Although low-rise development dominates the area, the apartment project may occupy a niche position by offering an alternative for buyers seeking to live in Kalnėnai with lower acquisition and maintenance costs.

Loan information:
The loan will be repaid from property sales proceeds, and interest will be paid from the company’s working capital or buyer advances.

The maximum planned project financing amount, secured by first and second rank mortgages, is 4 500 000 EUR (342,000 EUR already raised). The amount may be raised in stages. Please note that in later stages the project may be financed with a second rank mortgage. The project is financed based on the current valuation of the pledged asset until the established maximum loan-to-value (LTV) ratio is reached. Upon reaching the maximum LTV, a new valuation must be carried out, and further financing stages will be announced and collected only if the established maximum LTV is not exceeded.

The targeted amount is planned to be raised within 7 days, with the possibility to extend up to 30 days if the funds are not collected.