Zlota 71, Poland III
Reasons to invest in the project Zlota 71, Poland III:
- The project is a five-storey apartment complex with commercial premises, outdoor parking slots, storage units and indoor garages in Kalisz, Poland;
- Variable capital gains – up to 30% investors' profit share;
- Projected profit on the sale of the project: PLN 7,336,200 (EUR 1,687,326);
- Interest is paid monthly with a very attractive annual return of 11.5% - 12%;
- HO-BU POLSKA Sp. z o.o fully guarantees the project owner's obligations;
- The project owner bears the risk of possible exchange rate fluctuations – Golden Street Sp. z o.o;
- The maximum loan-to-value (LTV) ratio of this loan is 70%.
- The independent appraiser has valued the financed property at EUR 3,634,000 (PLN 1 = EUR 0,23).
InRento team presents the third stage of the financing of the buy-to-let project in Poland called Zlota 71, Poland III. The investment offer consists of a five-storey apartment complex with commercial premises, outdoor parking slots, storage units and indoor garages located at Zlota 71, Kalisz, Poland.
Kalisz is regarded as the oldest city in Poland, known for its picturesque Old Town and vibrant university culture.
The asset is just a 5-minute drive or a 20-minute walk from the city’s Cathedral, providing future buyers with convenient access and excellent connectivity to the city center.
The financed project consists of a 1.04 ha plot of land and a building of 11,210 m², for which a building permit has been issued allowing the building to be subdivided into separate apartments and to be converted to residential use.
The project will comprise 160 apartments with an average area of 53,46 m², 6 commercial premises with an average area of 157,67 m², 220 outdoor parking slots, 160 storage units and 5 indoor garages.
The projected sales value of the project is PLN 51,449,600 (EUR 11,833,408).
As of September 27th, 2024, the average price of new development apartments in the primary market in Kalisz is PLN 9,201 (EUR 2,116) per m², with prices ranging from PLN 5,500 to PLN 12,850 (EUR 1,265 to 2,955) for units between 40 and 60 m², according to the leading Polish property listing site Otodom.pl.
The projected profit on the sale of the project is PLN 7,336,200 (EUR 1,687,326), which would be shared between the project owner and the investors.
The investors' share of the profit (capital gains) is up to 30%. Please note that investors are subject to an accounting fee on capital gains, which depends on the amount invested – the higher the amount invested, the lower the tax fee, see the table below for more details.
Investors will be paid a fixed interest rate of 11.5% – 12% per annum each month, depending on the amount invested.
The maximum loan duration for this project is 28 months.
The maximum loan-to-value (LTV) ratio of this loan is 70%.
Investors will be paid a fixed annual interest of 11.5% – 12% depending on the amount invested.
The project allows investors to earn a return on variable capital gains if the property is sold at a higher price. The investors' share of the profit (capital gains) until 30%. Please note that investors are subject to an accounting tax on capital gains, which depends on the amount invested – the higher the amount invested, the lower the tax rate.
2025-01-28
The mortgage agreement with the project owner has been successfully concluded and registered (the document can be found in the "Documents" section of the project description).
2024-11-04
We would like to inform you that due to the longer than expected delay in the process of pledging the property to the investors, it has been agreed with the project owner that the interest for those who have invested in the first and second phases of the project will start to accrue as of 3 November 2024.
This is stated in the Annex to the Special Terms and Conditions of the Loan Agreement, which can be found in the Documents section.
Interest on the third loan phase will start to accrue 4 days after the financing of the phase. Interest on the remaining financing phases will be calculated according to the standard terms.
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 |
|---|---|---|---|
| 10 March 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 04 February 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 09 January 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 15 December 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 17 November 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. | € 4 433.8 |
| 15 October 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 03 September 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 04 August 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 03 July 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 03 June 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 14 May 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 02 April 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 04 March 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 04 February 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 06 January 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 4 433.8 |
| 13 December 2024 | Interest payment | Paid on time Payment was received by the due date with no delay | € 146.18 |
Enabled Projects
Kalisz Poland