FINERA GROUP · V13
Property development investments · Finera’s role
Managing development from the first calculations.
Finera works in property development, consultancy and project management. We coordinate business and technical preparation, construction, sales and operations after handover. Our related business areas include property management, Finera Energy and digital building solutions.
Development offers participation in creating value. It may offer greater return potential than letting a completed property, but typically carries additional delivery and sales risks; higher returns are not automatic.
Three participation routes and combinations
1. As an owner
Your cash contribution gives you ownership in the company delivering the project. The company may use further financing. Once costs, taxes and creditor claims are settled, you share in remaining assets under your ownership rights. The amount above your returned contribution is profit; losses are also possible.
2. As a lender
You lend to the development company, without ownership, at an agreed fixed interest rate. The borrower may be a separate project company or Finera Group itself. Greater risk than a bank deposit or government bond may justify a higher interest requirement; actual terms require individual assessment. Fixed interest is not assured payment: principal and interest may be lost.
3. As a landowner
You contribute land to the project company at an agreed value, for example as a contribution in kind. Your negotiated ownership interest participates in profit and loss. Valuation, rights and settlement require prior agreement; this is not a guaranteed land purchase price.
Combining elements
Land and cash contributions, or ownership and lending, may be combined. Each element’s rights, claims, payment priority and risks must be defined separately.
Illustrative calculation · not an offer
A fictional example, not a Finera forecast, past performance, market average or available investment offer. It uses no actual Finera project figures.
Assumptions: HUF 100m total owner contributions, HUF 100m debt principal, HUF 200m total costs and 24 months. Only sales revenue changes between scenarios.
| Scenario | Revenue | Profit/loss | Remaining for owners | Full 24 months |
|---|---|---|---|---|
| Lower sales revenue | 180m HUF | -20m HUF | 80m HUF | -20% |
| Base illustration | 240m HUF | 40m HUF | 140m HUF | 40% |
| Higher sales revenue | 260m HUF | 60m HUF | 160m HUF | 60% |
In the base illustration, the HUF 140m remaining for owners includes HUF 100m of contributions and HUF 40m profit. The 40% covers two years. With one initial contribution and one final payment: (140 / 100)^(12 / 24) − 1 ≈ 18.3% annualised. This is not annually paid interest. Personal investor taxes are not deducted.
What is included in total costs?
- Land: 40m HUF
- Construction: 90m HUF
- Design and preparation: 10m HUF
- Sales and legal costs: 5m HUF
- Project management fee: 10m HUF
- Financing costs: 30m HUF
- Assumed project taxes and duties: 5m HUF
- Contingency assumed fully spent: 10m HUF
Amounts exclude recoverable VAT; non-recoverable charges are included in the assumed budget. The tax allowance is not a specific tax calculation. Financing costs are assumed for the full period, not an advertised interest rate. Loan principal is not deducted again as a cost. We assume equal-ranking owners, full loan repayment and unchanged costs. Cost overruns or delays may require extra funding and cause greater losses.
Land example: the HUF 40m land is already included in total costs. If it represents 40% of total owner contributions and equal-ranking, value-proportional ownership is agreed, the landowner receives HUF 16m of the HUF 40m profit. Including the contribution, that is HUF 56m before personal taxes. Actual distributions also require applicable company-law and contractual conditions to be met.
Finera’s work and security
Project assessment, business planning, technical preparation, delivery, reporting and preparation of settlement, under an agreed scope and fee. Our construction partner KV has built more than 600 homes.
Mortgages and notarial deeds are possible arrangements requiring individual assessment. Property value, charges, registration and priority matter. An appropriate notarial deed may allow direct enforcement subject to legal conditions; it is not a repayment guarantee. Security does not eliminate loss.
Let’s discuss your plans
In person or online, we discuss your goals, possible roles and development work. The conversation is not an investment instruction and involves no payment.
Arrange a discussion · info@fineragroup.com · +36 30 773 9425
Important information
This introduces services and participation mechanics; it does not announce a specific subscription, borrowing offer or open capital raise. The website accepts no money or investment instructions. Finera’s actual developer, consultancy, owner or borrower role must be established for each project. Ownership losses, delay and non-payment are possible, including loss of some or all money or contributed land value. Fixed interest, security and project management do not guarantee capital or returns. Actual structures, licensing requirements, contracts, taxes and security require professional review. This material does not replace independent legal, tax or financial advice.