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Ūkio paskola
Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.
LT0000225
| Projekto savininkas | Adresas |
|---|---|
| header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Farming land | - | - |
| Pajamos |
| Grynasis pelnas |
| Nuosavo kapitalo santykis |
Dokumentai
Mokėjimo grafikas
About the project
This project is dedicated to the development of a Lithuanian farm. The farmer, who first gained experience working with a large Danish farmer, set up his own farm in 2005. Since then, the business established in the fertile Kaišiadoriai district has expanded to 186 hectares of declared farmland.
The farmer claims that competition for farmland in the region is high, making it difficult to expand. However, every year together with his family he manages to purchase several hectares from current landlords.
Constantly thinking about the development of the farm, last year, the businessman received financing for a tractor from the credit union and pledged 10 ha of land for this purpose. Later, after receiving a good offer to expand the farmland, he acquired another 16 hectares of land. The farmer received funding for the implementation of these plans from another alternative financing platform. In total, these obligations of the farmer amount to 72.000 €.
Now the farmer wants to properly prepare for sowing winter crops, and for that, he needs 30.000 €. The funds will be used to cover fuel costs, purchase winter rapeseeds, repair machinery, pay initial payments on new land plots. Due to the conservative approach of previous financiers and the excessive requirement for the collateral value, the farmer applies to the HeavyFinance investor community for financing. The 102.000 € loan will be used to fully cover previous financial liabilities: (72.000 €) and to increase working capital (30.000 €). 72.000 € will be transferred directly to the previous creditors, and 30.000 € will be paid directly to the farmer's account.
The farm's technical fleet consists of two tractors, a harvester, five trailers, a sprayer, and various smaller equipment.
This is not the first farmer's project on the HeavyFinance platform - previously the businessman borrowed 26.250 € to prepare for the summer season. The loan installments are made on time.
Area of land declared: 186,42 ha.
Annual interest:
- Investing from 100 € - interest 11,3%
- Investing from 500 € - interest 11,9%
- Investing from 1.000 € - interest 12,2%
- Investing from 2.000 € - interest 12,4%
- Investing from 5.000 € - interest 12,7%
- Investing from 10.000 € - interest 12,9%
- Investing from 20.000 € - interest 13,2%
- Investing from 30.000 € - interest 13,6%
Projekto rizikos
Šitam projektui, kyla rizika prarasti visą gautą pelną ir investuotas lėšas.
Tokiu atveju, Projekto savininkui neįvykdžius savo įsipareigojimų, Platformos operatorius imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pateiktą užstatą, tačiau Platformos valdytojas negarantuoja visiško Projekto savininko įsipareigojimų įvykdymo.
Finansinėms sutartims netaikoma Lietuvos Respublikos indėlių ir įsipareigojimų investuotojams draudimo įstatymo nustatyta draudimo apsauga.
Papildoma informacija:
Projekto savininkui nesurinkus finansuotinų sumų, surinktos lėšos grąžinamos rėmėjams pervedant jas į sąskaitą, iš kurios buvo pervestos. Platformos operatorius taip pat turi teisę pasiūlyti Projekto savininkui per Projekto finansavimo terminą sumažinti finansuojamą sumą arba pratęsti Projekto finansavimo terminą. Tokiu atveju, sumažinus finansuojamą sumą arba pratęsus Projekto finansavimo terminą, visais atvejais apie tai pranešama Platformoje ir informuojami Fondo finansuotojai.