Lending = Lend money to the real estate developer.
Type of property Residential Location Open in Gmaps ?️ Timisoara Loan duration 12 months
Interest rate 13.5% + up to 2% Cashback / year Payment Monthly End date Aug 03, 2026 Invested € 52 000 Loan to value 30.3 % Collateral Real estate mortgage
Reimbursement progress: 1%
Executive Summary
Victoria Residence is a new residential building of 14 apartments with underground and above-ground parking, developed by Happy Childhood S.R.L. in Ghiroda, a commune bordering Timisoara. It is the first of four buildings planned by the developer in the same location. The completed apartments are targeted to sell at approximately 1,800 EUR per square metre plus VAT. This campaign raises 52,000 EUR over a 12-month term, at 13.5% annual interest plus a 2% cashback (15.5% total), with interest paid monthly. The developer has already deployed 400,000 EUR of its own equity into the project. The loan is secured by a first-rank mortgage over an independently appraised building plot,
providing collateral coverage well above the 150% minimum.
Location Analysis
Ghiroda is a commune in Timis County, western Romania, situated immediately north-east of Timisoara and directly bordering the city. Via the DN6 national road, the centre of Timisoara is approximately 5 km away, while the western edge of the commune merges into Timisoara's Ghiroda Noua, Fabric and Padurea Verde districts. The CFR 900 Timisoara to Bucharest railway runs about 300 m to the north, with a stop at Ghiroda, and the local road network connects directly towards Timisoara "Traian Vuia" International Airport.
Over the past decade, Ghiroda has experienced sustained residential and light-industrial development, driven by the expansion of Timisoara, with former agricultural land progressively rezoned for housing through zonal urban plans (PUZ).
Timisoara is one of Romania's strongest regional economies and, in 2026, one of the country's most dynamic re
📌 Victoria Residence (Ciudad Victoria)
🏢 stock.estate
📍 Ciudad Victoria
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