The Credit Union House is a group of companies, the main activity of which is investing in real estate and portfolios of mortgage loans, as well as financing promising business projects.
The company was founded in 2005 under the name Estonian Real Estate (ERE Grupp). Over the years, we have gained vast experience in the field of real estate. Passing through the crisis years of 2008-2010, we have gained the understanding that the best opportunities are often created during a period of market fall. At the moment, the investment portfolio of the group includes development projects, rental of the real estate, lending activities, as well as projects for the financing of enterprises.
A number of companies belonging to the Credit Union House group have a credit rating of ‘AAA’ and ‘AA’, assigned by the rating agencies Krediidiinfo and Bisnode. Some of the companies that are members of the Credit Union House group were included in the list of so-called ‘Gazelle firms’. For two years in a row, in 2012 and 2013, one of the group companies took first place in the ranking of real estate companies of the leading Estonian business newspaper Äripäev.
In all our investment activities, we strive to create values. The high value of goods or intangible assets arises at the moment when consumers have the need for them. It is then that they are willing to pay a higher price. Of high value for people can be a number of intangible assets that cannot be assessed in monetary terms, for example family relations, health, friendship, and trust.
By joining the projects, we ask ourselves how, by helping to implement these projects, we can create values – those values that people actually need. If this is the production of consumer goods, then will they be aimed at the health and development of people? If this is the production of dwelling houses, then can people meet their basic needs and feel themselves protected in such homes? If this is lending, then can we help the borrower to solve problems, for example, concerning health, housing or education?
We are setting a defining question for ourselves: How can we put the knowledge we possess into the service of people? We are utterly convinced that knowledge as well as money are resources that work together. Without knowledge it is easy to lose money, and without resources, knowledge cannot be implemented. But these two aspects of a single whole must be subordinated to one common goal, the creation of values necessary for people to thrive.
The purpose of the company’s activity is to preserve and increase the funds of private investors. In creating a trusting partnership relationship, we offer the best conditions and a high quality of service. We value every investor who has entrusted his or her funds to our management. Through our professional approach and innovative solutions we create balanced investment portfolios for our clients. Across our 14 years of activity, we have proven reliability in the cooperation and fulfilment of obligations to our customers.
In all our activities we rely on such values as helping entrepreneurs to realize their ideas, ensuring openness in dealing with customers, support in complex financial situations and a flexible approach to solutions. All our investments are based on thorough analysis and conservative models of financial forecasting.
The portfolio of investment property is divided into housing development and rental real estate projects. Development projects provide higher returns with a relatively short implementation period. Leasehold real estate provides an opportunity to receive a stable cash flow. All real estate projects are structured through related companies in order to optimize management and reduce risks.
Investing in loan portfolios makes it possible, at low risk, to have a relatively high level of liquidity. When investing in loan portfolios, we carefully assess the quality of the portfolio, the customer’s payment discipline, the location of pledges, the ratio of loans issued to the estimated value of pledges, and the duration of loans and payment schedules. In the management of the loan portfolio, we take a flexible approach to the client, as well as provide financial and legal support, if necessary.
While financing enterprises, we are guided by assistance in the implementation of a business project. This can be both a need for circulating capital, and capital investments with a view to acquiring the means of production. When introducing a new product on the market, the manufacturer often lacks the means to cover current expenses. When entering the projects, we can often help to improve the structure of the enterprise’s capital. When analysing projects, we are guided by the experience of the participants in the process, by the demand for products on the market, as well as by the advantage over competitors.
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CREDIT UNION HOUSE
REG. code: 11124107
Address:
Tornimäe 7-32, 10. floor
10145 Tallinn (City center)
Tel: +372 660 8108
Mob: +372 5666 0808
E-mail: info@credit-union.ee
