H2O, Kaunas I
Reasons to invest in the project H2O, Kaunas I:
- A unique industrial river waterways buy-to-let project;
- One of the fastest developing locations in Lithuania – on the banks of the river in Kaunas;
- The project area is 1.1 hectares, the area of the buildings – 2931 m²;
- The owner of the project is a profitable company operating for more than 24 years;
- Interest paid monthly with an attractive annual return of 8.4% – 8.9%;
- Fixed annual return on capital gains: +1.5% (payable at the end of the project);
- Loan to Value (LTV) for this phase is 32%, maximum LTV for the whole project is 65%;
- An independent valuer has valued the collateral’s assets at EUR 638,000.
InRento team presents a unique industrial river waterways buy-to-let project in Kaunas – H2O, Kaunas I.
The location of the project is one of the fastest developing places in Lithuania – on the bank of the river, near the Piliamiestis district, at Raudondvario pl. 105A, Kaunas. Conversion of both sides of the river is planned, and up to 20,000 m² of residential development can be developed on the site, financed in accordance with the city's master plan regulations.
The owner of the project is Kauno Pramoninis Vandentiekis, UAB, a profitable company that provides water to certain factories. The company has been operating for more than 24 years.
The company intends to carry out site planning and design works and to develop a residential buy-to-let project on a land plot for up to 20,000 m².
The project area is 1.1 hectares, and the building area is 2931 m². Nine properties are financed. The loan-to-value ratio (LTV) will not exceed 32% for the first tranche, 51% for the second tranche and 65% for the third tranche. This reduces the risk for investors in this project. The company will use the financing to refinance existing loans and for working capital.
Investors will be paid a fixed monthly interest of 8.4% – 8.9% per annum, depending on the amount invested.
This project also has a fixed annual capital gain of 1.5%, which is paid at the end of the project. This raises the total yield of the project from 9.9% to 10.4% annual return.
This project has a fixed annual return on capital gains –
The capital gains are fixed and payable together with the repayment of the loan amount for the preceding instalment ("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 1.5% shall be applied to the Instalment.
Example calculation: If the Loan is repaid after one year, a fixed return of 1.5% applies. If the Loan is repaid after 24 months, a fixed return of 3% applies. If the Loan is repaid after 36 months, a fixed return of 4.5% applies.
The profit margin is payable whether or not the Loan is repaid on the sale of the property.
This project will be financed in three stages.
2026-08-17
We are pleased to announce that the project – H2O, Kaunas, has been fully realised.
The investment offer consisted of a 1.1 hectare industrial water supply complex located in a promising area of Kaunas, on the bank of the Neris River, near the Piliamiestis district, at Raudondvario pl. 105A, where nine real estate properties were financed.
The project’s annual return exceeded expectations – instead of the projected 9.9%, the actual average annual return across all stages reached 10.19%.
The disbursement of funds is currently underway and will be distributed within 2 business days.
2023-08-17
We would like to inform you that the mortgage on the project’s – H2O, Kaunas assets, has been successfully placed (the document is attached in the documents section).
The first interest payment for this project will be distributed next month.
2023-08-16
Please be informed that the Addendum to the Special Terms and Conditions of the Loan Agreement has been signed, which can be found on the platform, in the documents section.
According to the updated project terms and conditions, the maximum mortgage amount has been reduced to EUR 893,200 due to a calculation error during the preparation of the original document.
The maximum total loan-to-value (LTV) ratio remains unchanged at 65%. The value of the mortgaged collateral for this project is EUR 638,000 and the maximum loan amount for all three phases is EUR 414,700.
Here you can find the complete payment history for this project. The list includes all payments made by the project owner, covering interest payments, principal repayments, capital gain payments, and any late payment fees.
| Payment date | Type | Payment status | Paid |
|---|---|---|---|
| 18 August 2026 | Full principal repayment | Paid on time Payment was received by the due date with no delay | € 200 000 |
| 18 August 2026 | Capital gains payment | Paid on time Payment was received by the due date with no delay | € 9 251.1 |
| 18 August 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 785.35 |
| 12 August 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 July 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 June 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 May 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 April 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 March 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 February 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 January 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 December 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 November 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 October 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 September 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 August 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 14 July 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 June 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 May 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 15 April 2025 | Interest payment | Paid late in grace period Payment was made after the due date but within 14 days of it. Late payment interest is calculated from the first overdue day. | € 1 404.74 |
| 12 March 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 February 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 January 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 December 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 November 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 16 October 2024 | Interest payment | Paid late in grace period Payment was made after the due date but within 14 days of it. Late payment interest is calculated from the first overdue day. | € 1 411.74 |
| 13 September 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 411.74 |
| 13 August 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 411.74 |
| 15 July 2024 | Interest payment | Paid late in grace period Payment was made after the due date but within 14 days of it. Late payment interest is calculated from the first overdue day. | € 1 411.74 |
| 12 June 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 May 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 April 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 March 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 February 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 12 January 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 December 2023 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 November 2023 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 October 2023 | Interest payment | Paid on time Payment was received by the due date with no delay | € 1 404.74 |
| 13 September 2023 | Interest payment | Paid on time Payment was received by the due date with no delay | € 693.52 |
Enabled Projects
Kaunas Lithuania