Financial terms of the investment:

Maximum term

36 months

Maximum term - is the maximum duration within the project owner (the borrower) must sell the rented asset and then fully payback the investment to the investors (creditors)

Turvalisus

1st charge
Mortgage

Security indicates the measures that are being taken to secure your investment. Investing via InRento the assets are being mortgaged in the name of the investors.

Aastane tasuvusmäär:

6.5% + 2%

The annual return here indicates the investment yield (From rental income) based with the conditions of the investment at the time of crowdfunding.

InRento investors are granting a loan to the borrower. The loan is secured with a first-charge mortgage which in case of the borrower’s inability to fulfil financial obligations would be used to repossess the asset.

The capital gains are fixed and payable together with the repayment of the loan amount for the preceding instalments ("Instalment"), with the return for each successive Instalment being added to the calculation of the return. The Instalment shall be considered as per one calendar year. A fixed increment of 2% shall be applied to the Instalment.

Example calculation: If the Loan is repaid after one year, a fixed return of 2% applies. If the Loan is repaid after two years, a fixed return of 4% applies. If the Loan is repaid after three years, a fixed return of 6%. The profit margin is payable whether or not the Loan is repaid on sale of the property.

When investing:

Rental income (interest):

Rental income (interest) is paid to investors on a monthly basis (on the 25 day of the month). If the 25 day is a non-working day, then the next working day.

The interest will be paid out the next month on the 25 day day after the mortgage is placed. The interest is calculated after the mortgage is being placed.

The project owner (borrower)

MB “Mikrobiurai“ - is a company serving as a special vehicle for “InRento“ investments. The CEO of the company is Linas Ginaitis, who specializes in the sale of residential housing, lofts, commercial property and land plots. Linas Ginaitis also has experience in developing massive residential plots and micro-lofts/ micro-offices projects.

Key investment risks:

Risk of falling prices: The price of the property might fall due to the increase in supply or decrease in demand in the area or other economic factors.

Liquidity risk: The borrower might be unable to find a buyer in order to sell the property.

Tenant risk: There is a risk that the asset can lose a tenant and it can take time to find replacements, which can have impact on the property's cash-flow.

InRento riskihindamine

Kriteeriumid	Skoor
Laenuvõtja omakapital ületab vajaliku finantseerimise summa	1 / B
Laenuvõtja eelmise aasta puhaskasum on piisav fikseeritud intressi katmiseks	1 / B
Laenuvõtja võime varem kohustusi tagasi maksta	-1 / A+
Kinnisvara hinnavõrdlus kolmanda osapoole hinnanguga	0 / A
Objekti tüüp	1 / B
Kas üürnik on juba olemas?	0 / A
Laenuvõtja kogemus üüripindadega	0 / A
Kinnisvara hõivatus viimase kahe aasta jooksul (kui see on renditud)	2 / C
Kas kinnistu vajab renoveerimist	2 / C
Mikroasukoht	0 / A
Aastaid möödunud pärast ruumide viimast renoveerimist	0 / A
Kas majutusasutuses on lift, kui see pole esimesel korrusel?	1 / B
Kas majutusasutusel on hoonete lähedal spetsiaalne parkimiskoht? (pikaajaline üür)	0 / A
Kas majutusasutusel on turvateenus? (kaubanduslik)	1 / B
Kinnisvara on olnud müügiks vähem kui 1 aasta?	0 / A
Varal on kõik kehtivad sertifikaadid/tsoneerimisõigused vähemalt kaks aastat enne kehtivusaja lõppu	0 / A
Laenuvõtja võla / omakapitali suhtarv	0 / A
Kokku:	8 / B

Investeeringute reiting

A – Lowest risk
D – Highest risk

*InRento riskireiting on informatiivne ja seda ei saa pidada investeerimisnõustamiseks. InRento on litsentseeritud ja reguleeritud Leedu Panga poolt.

Investing with InRento, is similar to owning a rental property, however with us you don't have to worry about day-to-day property management and in the periods of vacancies, the borrower is required to distribute fixed-interest payments, which protects your bottom line.