Residence 32, Poland I
Reasons to invest in the project Residence 32, Poland I:
- The financed three-storey apartment complex is located in Krynica-Zdrój, Poland's largest spa resort town;
- The experienced owner of the project is HO-BU POLSKA Sp. z o.o. The company successfully manages several buy-to-let projects in Poland, financed on the InRento platform;
- Interest is paid monthly with a very attractive annual return of 10% – 10.5%, plus an additional fixed annual return on capital gains: +1.5% (paid at the end of the project);
- Fixed interest linked (indexed) to inflation;
- The maximum LTV for the whole project is very attractive at 49%;
- The independent appraiser valued the financed property at EUR 2,098,750 (using 1 PLN = EUR 0.23);
- The potential exchange rate risk is borne by the project owner – HO-BU POLSKA Sp. z o.o.
InRento team presents a new buy-to-let project in Poland called Residence 32, Poland I. The investment offer consists of a three-storey apartment complex with commercial premises on the ground floor located in the largest Polish spa resort town – Krynica-Zdrój.
Krynica-Zdrój, also known as the pearl of Polish spa resorts, is a popular spa tourism and winter sports destination located in the heart of the Beskid Mountains.
The financed property is located in an attractive location, close to the main attractions of the town – in the central part of Krynica-Zdrój. Due to its convenient location and tourist attraction, the new apartments in this town are in great demand. Holiday apartments of 30 – 60 m² are particularly popular. These properties are of interest both for families wishing to live permanently in a quiet location and to people investing in rental properties.
The average price per square metre in this resort is PLN 16,366 (around EUR 3,800), reflecting the upward trend in property prices nationwide.
The total area of the financed project is 1017.30 m². The building was extended and renovated back in 2015. In order to make better use of the financed area, design and redevelopment works will be carried out, after which the apartment complex will have thirteen apartments suitable for both short and long term rentals, one commercial space and thirteen parking spaces.
The renovation works will use eco-friendly building materials to reduce the environmental impact and modern design solutions. The estimated cost of the renovation works is PLN 1,400,000 (EUR 325,000). The estimated proceeds from the disposal of the property are between PLN 9,800,000 (EUR 2,254,000) and PLN 10,800,000 (EUR 2,484,000).
The owner of the project is HO-BU POLSKA Sp. z o.o. The company has successfully administered several real estate rental projects in Poland financed on the InRento platform.
Investors will be paid a fixed interest rate of 10% – 10.5% per annum each month, depending on the amount invested. This project also has a fixed annual capital growth rate of 1.5% payable at the end of the project. This raises the total yield of this phase from 11.5% to 12% annual return.
The maximum loan duration for this project is only 12 months. The project has a very attractive maximum loan-to-value (LTV) ratio of 49%.
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.
This project will be funded in three stages.
2025-07-22
We are pleased to announce that the project – Residence 32, Poland, has been fully realized.
The investment offer consisted of a two-storey apartment complex located in the largest Polish spa resort town – Krynica-Zdrój. Krynica-Zdrój, also known as the pearl of Polish SPA resorts, is a popular SPA tourism and winter sports destination located in the heart of the Beskid Mountains.
The total average annual return to investors in this project was higher than expected, reaching 12.35% instead of 11.5%.
The disbursement of funds is currently underway and will be distributed within 2 working days.
2025-06-26
Residence 32, Poland – Second Stage Successfully Realised.
We are pleased to announce that the second stage of the Residence 32, Poland project has been fully realised. Payments to investors have already begun and will be distributed within the next 2 business days.
The investment offer consisted of a three-story apartment complex with commercial premises on the ground floor, located in Poland's largest SPA resort – Krynica-Zdrój.
The average annual return for investors in this project was higher than expected, reaching 13.05% instead of 11.5%.
Meanwhile, the implementation of the project's third stage is proceeding smoothly, and its full repayment as per the loan agreement terms is scheduled for 5 August 2025.
2025-05-12
Residence 32, Poland – First Stage Successfully Realised.
We are pleased to announce that the first stage of the Residence 32, Poland project has been fully realised. Payments to investors have already begun and will be distributed within the next 2 business days.
The investment offer consisted of a three-story apartment complex with commercial premises on the ground floor, located in Poland's largest SPA resort – Krynica-Zdrój.
The average annual return for investors in this project was higher than expected, reaching 12% instead of 11.5%.
Meanwhile, the implementation of the second and third stages of the project is proceeding smoothly, and their full implementation in accordance with the terms of the loan agreement is scheduled for:
- June 25, 2025 (second stage)
- August 5, 2025 (third stage)
2025-04-22
The project – Residence 32, Poland has been partially realized.
Investors have been repaid EUR 97,521.80 for all project stages.
The payments were distributed together with the fixed capital gains totalling EUR 1,186.13.
2025-04-04
The project – Residence 32, Poland has been partially realized.
Investors have been repaid EUR 39,366.00 for all project stages.
The payments were distributed together with the fixed capital gains totalling EUR 448.77.
2025-03-12
The project – Residence 32, Poland has been partially realized.
Investors have been repaid EUR 150,097.28 for all project stages.
The payments were distributed together with the fixed capital gains totalling EUR 1,642.28.
2025-03-05
The project – Residence 32, Poland has been partially realized.
Investors have been repaid EUR 42,074.10 for all project stages.
The payments were distributed together with the fixed capital gains totalling EUR 442.85.
2025-02-26
The project – Residence 32, Poland has been partially realized.
Investors have been repaid EUR 61,973.68 for all project stages.
The payments were distributed together with the fixed capital gains totalling EUR 622.71.
2025-02-21
We would like to inform you that discrepancies have been identified in recent capital gains payments. The issue has been identified, and the remaining fixed capital gains payments will be processed shortly.
We apologize for any inconvenience and appreciate your understanding.
2025-02-21
The project – Residence 32, Poland has been partially realized.
Investors have been repaid EUR 119,394.49 for all project stages.
The payments were distributed together with the fixed capital gains totalling EUR 1,165.79.
2024-06-26
We would like to inform you that a payout for Residence 32, Poland, stage II, has been made.
Interest for investors starts to accrue from 2024-06-25.
2024-05-13
We would like to inform you that the mortgage on the project’s – Residence 32, Poland asset, has been successfully placed (the document is attached in the documents section).
The interest payment for this project will be distributed next month.
Enabled Projects
Krynica Poland