Officer VIC

案例基本概述

借款公司:**********公司
贷款类型:一级抵押
标的资产地址:****** Officer VIC 3809
标的资产估值:$15,000,000
贷款比例:55% LVR
贷款金额:$8,250,000
贷款意图:用于再融资
贷款时长:12个月

Loan Summary

Borrowing entity: **********Pty Ltd
Facility type: First mortgage
Security properties: ****** Officer VIC 3809
Valuation: $15,000,000
LVR: 55% LVR of the valuation
Loan amount: $8,250,000
Purpose: Refinance purpose
Loan term: 12 months

SELECT INVESTMENT OPPORTUNITY

Target Return

8.5 % p.a. net

LOAN TO VALUE RATIO

55%

TERM

9 months

尽职调查:

抵押物业位于一个开发中的居民外围。周围的住宅物业包括空地和新建造的砖饰住宅。该地区很受到首次和二次置业者的欢迎。

一个位于在Lecky Road南侧的住宅开发项目已经动工,并且将包括Kaduna Park的开发项目。兴建工程已展开,区内最终约有800个住宅用地。2019年初就已开始营销,一期建设目前已完成。

该项目区域将将直接供所有向东行驶的交通使用,并可能远至Drouin的地方设有集水区。Warragul拥有一家知名的医院,其可以为医疗及相关服务提供者提供支持。

Due diligence

The Security Property is located within a developing outer residential area. Surrounding residential properties comprise a mixture of vacant allotments and newly constructed brick veneer dwellings. The area is popular with first and second home buyers.

On the southern side of Lecky Road, a residential development has commenced and will comprise the Kaduna Park development. Construction has commenced with ultimately about 800 residential lots within the estate. Marketing has commenced in early 2019 and construction of the first stage has been completed.

The subject site will be directly accessible for all eastward bound traffic and with a likely catchment as far east as Drouin. Warragul is well serviced with an established Hospital and supporting medical and allied service providers.

The size of Officer is approximately 20 square kilometres. It has 2 parks covering nearly 0.2% of total area. The population of Officer in 2011 was 448 people. By 2016 the population was 81 showing a population decline of 81.9% in the area during that time. The predominant age group in Officer is 10-19 years. Households in Officer are primarily couples with children and are likely to be repaying $1400 – $1799 per month on mortgage repayments. In general, people in Officer work in a manager occupation. In 2011, 76.9% of the homes in Officer were owner-occupied compared with 64% in 2016. (source: Australian Bureau of Statistics)

DECLARATION:For confidentiality, all images of loans and text are unrelated.

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