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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 17
| 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 Hélène Mayet on
⏰ The project starts on 21/10/2024 10h00
💰 The estimated rate of return is 12% per year.
⏱ The duration of the project is 18m
💼 Minimum amount to invest is 1€
🤖 Review's summary
In this project, scheduled for October 21, 2024 at 10:00:00, the overall opinion is positive. It's a good project with a very healthy margin and solid guarantees. However, it's crucial to keep a close eye on the company's health. There are no major risks associated with this project.
Project Type: Purchase and resale without renovation
Amount to Finance: €385,000
Repayment: Capital - In Fine, Interest - In Fine
✅ Returns: 12% - Very high, exceeding the average return of the last projects at La Premiere Brique (11.2%)
Guarantee Type: First-rank mortgage
✅ Coverage: 80% - Adequate
❗Pre-Sale: None, pre-sold at 0% with no suspensive conditions
Operator's Health:
❗ Net Debt/Equity ratio slightly high: 4.08
✅ Net Debt/Assets ratio moderate: 0.8
Location: City with over 10k inhabitants
Nearby amenities: Shops, schools, restaurants, hospitals, sports complexes, airport, train station, highway; noise disturbances
✅ Exit Price: Pessimistic
✅ 1-Year Price Increase: 3.5%
✅ Optimistic Scenario Margin: 17% - High margin
❗ Pessimistic Scenario Margin: 8% - Decent margin
Property Condition: Good
❗ Street and Neighborhood: On a busy avenue, close to the highway
❗ Urban Planning Risk
Historical Project Performance: Over 3 similar operations
✅ Funding and Operator's Delays: No outstanding amounts
Loan Metrics:
❗ LTA: 125% - High
✅ LTS: 52% - Low
LTC: 0%
Operator's Commitment: 38% - High
❗ Political Uncertainty
✅ Delays over 6 months at La Premiere Brique: 3.1% - Low
✅ Definitive Losses at La Premiere Brique: 0% - Low
There are 2 bonuses available:
➡️ Bonus on registration: Get an additional 1% return by clicking on the following link and using the referral code 6PNX38
➡️ Bonus for specific projects: Enter referral code MBS for an extra 1% return on investment
Referral Code: MBS
➡️ Link: Sign up here
Overall, this project at La Premiere Brique looks promising with a good chance of success and solid returns. Don't miss out on the bonuses!
60 voters
👎20% 👍37% 🤷30% 🏳️13%
To vote : 
Hélène Mayet
My name is Hélène Mayet, I am an HR Assistant, I also have a self-employed English course business at home. My investments started in 2020 with shares on the stock market. Little by little I became interested in ETFs, particularly on the S&P500 and in real estate. While researching real estate and its opportunities, I discovered Crowdfunding in which I began to invest in 2022. I mainly invest in La Première Brique and Upstone.
➡️ My review of La premiere brique
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