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To assign the grades A and E, we use a Bonus/Malus system.
⚠️ Some criteria may be missing in the detailed list below.
⚠️ The scoring model is not suitable for all types of projects.
The total points for this project is 11
| Criteria | Points |
|---|---|
| mortgage coverage | ∅ |
| optimistic scenario margin | ∅ |
| pre-commercialization | 🟩🟩 |
| track record | 🟩🟩 |
| location | 🟩 |
| in the vicinity | 🟩 |
| yield | 🟩 |
| LTA | ∅ |
| LTS | 🟩 |
| operator commitment | ∅ |
| sales price | 🟩 |
| permanent loss | 🟩 |
| late projects | 🟩 |
| price trend | 🟥 |
| urban planning risk | 🟩 |
| debt to equity | ∅ |
| debt to asset | ∅ |
This review is proposed by Grégory Vaur on
⏰ The project starts on 10/10/2024 09h00
💰 The estimated rate of return is 10% per year.
⏱ The duration of the project is 12m
💼 Minimum amount to invest is 1000€
🤖 Review's summary
The Ravera project at Homunity is a refinancing project scheduled for October 10, 2024. It involves the construction of a 62-unit residential building near Paris. The construction started in January 2023 and is expected to be completed by May 2025. The total funding required is 750,000 EUR.
The project offers a 10% return on investment, which is slightly below the average return for similar projects on Homunity. The pre-commercialization stands at 85%, with 55 out of 62 units already reserved. The project benefits from solid guarantees like solidary guarantee and financial completion guarantee. The location is favorable, close to essential amenities like metro station, supermarket, and school.
The selling price of the units is realistic, although there has been a slight decrease in property prices in the area. The optimistic scenario shows a margin of 8%, while the pessimistic scenario is at 5%. The project has a high Loan to Acquisition ratio and a low Loan to Sale ratio, indicating some level of risk.
The project is managed by a highly experienced developer with a track record of delivering 2300 housing units. There have been no known delays in previous projects, and the construction work is already underway, with the building permit obtained and cleared since May 2022.
Homunity's platform has a low percentage of delays and no instances of permanent losses, reflecting a reliable investment environment for investors.
Overall, the Ravera project at Homunity presents a potentially lucrative investment opportunity with sound guarantees and a reputable operator. While there are some risks associated with the project, the developer's experience and the platform's reliability provide a level of confidence for potential investors. It could be a worthwhile venture for those looking to diversify their investment portfolio in the real estate sector.
19 voters
👎63% 👍0% 🤷0% 🏳️37%
To vote : 
Grégory Vaur
Grégory, I am 26 years old and have been an investor in real estate crowdfunding, stock markets and crowd-lending for around 1 year. I trained myself by watching videos on these subjects. I am currently registered on the first brick, Clubfunding, Raizers...
The votes take place in the Objectif-Renta Investors Club.
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