Doncaster, VIC
墨尔本热门近郊的住宅开发地块
周期：3+3个月
贷款目的：建筑贷款
贷款类型：一级抵押
估值：$10,560,000.00（不含GST）
贷款估值比率：70%
Residential development Site at Melbourne suburb
Term: 3+3 mths
Loan Purpose: Construction
Facility Type: First mortgage
Valuation: $10,560,000
Loan to Value Ratio 70%
SELECT INVESTMENT OPPORTUNITY
Target Return
8.5 p.a. net
LOAN TO VALUE RATIO
70%
TERM
3+3 months
Completed
尽职调查:
该贷款是一级抵押贷款，以位于Manningham 地方议会的土地为担保。土地总面积约为1,347 平方米，土地形状规则，地形平整。该抵押物业已获得规划许可证，可建设10 套住宅（联排房屋）。位于墨尔本郊区 ，距离墨尔本CBD 以东方向约 14 公里。该地块位于Doncaster 中心位置，靠近东部高速公路可直达墨尔本市中心。交通便捷，公交车为该区居民前往周边地区的主要公共交通工具。
该地区生活便利，零售业发达。临近Westfield Doncaster 购物中心，周边商铺林立。教育资源丰富，拥有多所中小学，其中包括Doncaster Primary School 和Doncaster Secondary College。周边有多个娱乐设施，包括Schramms Reserve 国家级自然保护区，Ruffey Lake 公园，小型游乐场，水上娱乐中心等等。
借款人是此套抵押物业的所有者。担保人是一名成功的开发商，过去曾成功建造过多个公寓楼和联排别
墅。另外他在几大主要银行都有着良好的信誉表现及贷款记录。
风险评估
墨尔本 Doncaster 地区的在市场上待售物业的平均天数为 62 天,这表明该物业即使在最坏的情况下也有足够的时间出售。该物业建筑目前已完工将近90%，投资经理已审查了所有相关证书，并确认所有建筑工程和许可证都符合要求。
Due diligence
The loan is a first mortgage, secured by land located in the Manningham Council. The land regular in shape. The site encompasses a total area of approximately 1,347 square meters corner site with street frontage of 69 meters. The subject property has a planning permit issued from Manningham Council for construction of four, two-storey dwellings and six, three-storey dwellings with associated basement and visitor car parking. The Security Property is located within the affluent suburb of Doncaster approximately 14 kilometres east of the Melbourne CBD. The property is within a highly central location that is close to the Eastern Freeway and Westfield Doncaster.
Westfield Doncaster, top-rated schools, and picturesque parks including Ruffey Lake Park are within easy reach with the nearby Eastern Fwy connecting you to the Melbourne CBD. There are several public schools in the area, including Doncaster Primary School and Doncaster Secondary College, and buses are the main form of public transport to get to and around Doncaster.
The borrower is an experienced developer who has built multiple apartment complex, townhouse in the past. The developer is credited in Major banks and has good tracking record in all major banks.
Risk Assessment
The average days on market around Doncaster area in Melbourne is 62 days which shows enough turnaround time for the property to sell in the worst scenario. The building is close to 90% completion, The investment manager has reviewed all relevant certificate and confirm all building works and permit are compliant
