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Issued
Creditor
Loan principal | Initial offer
IR
Term
Available
Issued 18.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 9,077.00 | 8,623.00
Interest rate 15.00%
Term 8 m.
Available 2,735.81
Available
2,735.81
IR
15.00%
LTV
50%
Term
8 months
5,887.19 of 8,623.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a new Russian micro credit company for further expansion of consumer lending activities. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit servic...

Issued 18.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 15,000.00 | 14,250.00
Interest rate 15.00%
Term 8 m.
Available 10,754.25
Available
10,754.25
IR
15.00%
LTV
50%
Term
8 months
3,495.75 of 14,250.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a new Russian micro credit company for further expansion of consumer lending activities. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit servic...

Issued 18.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 15,000.00 | 14,250.00
Interest rate 15.00%
Term 8 m.
Available 10,917.25
Available
10,917.25
IR
15.00%
LTV
50%
Term
8 months
3,332.75 of 14,250.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a new Russian micro credit company for further expansion of consumer lending activities. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit servic...

Issued 11.04.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 400,000.00 | 8,075.00
Interest rate 15.00%
Term 10 m.
Available 1,653.54
Available
1,653.54
IR
15.00%
LTV
65%
Term
10 months
6,421.46 of 8,075.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

There is an agreement to finance the remaining development project part in the amount of 1 400 000 EUR. According to the agreement, SIA Primo Invest issued the first loan in the amount of 400 000 EUR to the development company.

MFB Development company is a division of DMT GROUP that has been present in the Republic of Belarus since 1999.

Commercial part of the building is already leased, and the lease contract is signed with...

Issued 11.04.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 400,000.00 | 14,250.00
Interest rate 15.00%
Term 10 m.
Available 7,343.25
Available
7,343.25
IR
15.00%
LTV
65%
Term
10 months
6,906.75 of 14,250.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

There is an agreement to finance the remaining development project part in the amount of 1 400 000 EUR. According to the agreement, SIA Primo Invest issued the first loan in the amount of 400 000 EUR to the development company.

MFB Development company is a division of DMT GROUP that has been present in the Republic of Belarus since 1999.

Commercial part of the building is already leased, and the lease contract is signed with...

Issued 11.04.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 400,000.00 | 14,250.00
Interest rate 15.00%
Term 10 m.
Available 4,961.30
Available
4,961.30
IR
15.00%
LTV
65%
Term
10 months
9,288.70 of 14,250.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

There is an agreement to finance the remaining development project part in the amount of 1 400 000 EUR. According to the agreement, SIA Primo Invest issued the first loan in the amount of 400 000 EUR to the development company.

MFB Development company is a division of DMT GROUP that has been present in the Republic of Belarus since 1999.

Commercial part of the building is already leased, and the lease contract is signed with...

Issued 11.04.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 400,000.00 | 14,250.00
Interest rate 15.00%
Term 10 m.
Available 7,851.03
Available
7,851.03
IR
15.00%
LTV
65%
Term
10 months
6,398.97 of 14,250.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

There is an agreement to finance the remaining development project part in the amount of 1 400 000 EUR. According to the agreement, SIA Primo Invest issued the first loan in the amount of 400 000 EUR to the development company.

MFB Development company is a division of DMT GROUP that has been present in the Republic of Belarus since 1999.

Commercial part of the building is already leased, and the lease contract is signed with...

Issued 15.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 12,859.00 | 12,216.00
Interest rate 15.00%
Term 8 m.
Available 6,662.02
Available
6,662.02
IR
15.00%
LTV
50%
Term
8 months
5,553.98 of 12,216.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a new Russian micro credit company for further expansion of consumer lending activities. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit servic...

Issued 15.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 25,000.00 | 23,750.00
Interest rate 15.00%
Term 8 m.
Available 19,893.09
Available
19,893.09
IR
15.00%
LTV
50%
Term
8 months
3,856.91 of 23,750.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a new Russian micro credit company for further expansion of consumer lending activities. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit servic...

Issued 14.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 6,800.00 | 6,460.00
Interest rate 15.00%
Term 8 m.
Available 1,403.98
Available
1,403.98
IR
15.00%
LTV
50%
Term
8 months
5,056.02 of 6,460.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a new Russian micro credit company for further expansion of consumer lending activities. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit servic...

Issued 19.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 30,000.00 | 28,500.00
Interest rate 15.00%
Term 6 m.
Available 12,235.38
Available
12,235.38
IR
15.00%
LTV
50%
Term
6 months
16,264.62 of 28,500.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a Russian credit company. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit services for individuals and offering consumers a new improved pro...

Issued 11.04.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 400,000.00 | 14,250.00
Interest rate 15.00%
Term 10 m.
Available 4,215.23
Available
4,215.23
IR
15.00%
LTV
65%
Term
10 months
10,034.77 of 14,250.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

There is an agreement to finance the remaining development project part in the amount of 1 400 000 EUR. According to the agreement, SIA Primo Invest issued the first loan in the amount of 400 000 EUR to the development company.

MFB Development company is a division of DMT GROUP that has been present in the Republic of Belarus since 1999.

Commercial part of the building is already leased, and the lease contract is signed with...

Issued 11.04.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 400,000.00 | 14,250.00
Interest rate 15.00%
Term 10 m.
Available 4,561.30
Available
4,561.30
IR
15.00%
LTV
65%
Term
10 months
9,688.70 of 14,250.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

There is an agreement to finance the remaining development project part in the amount of 1 400 000 EUR. According to the agreement, SIA Primo Invest issued the first loan in the amount of 400 000 EUR to the development company.

MFB Development company is a division of DMT GROUP that has been present in the Republic of Belarus since 1999.

Commercial part of the building is already leased, and the lease contract is signed with...

Issued 18.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 20,000.00 | 19,000.00
Interest rate 15.00%
Term 9 m.
Available 12,256.56
Available
12,256.56
IR
15.00%
LTV
50%
Term
9 months
6,743.44 of 19,000.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a Russian credit company. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit services for individuals and offering consumers a new improved pro...

Issued 18.06.2018
Loan type
Creditor Finsputnik Platforma SIA
Loan principal | Initial offer 20,000.00 | 19,000.00
Interest rate 15.00%
Term 8 m.
Available 12,844.39
Available
12,844.39
IR
15.00%
LTV
50%
Term
8 months
6,155.61 of 19,000.00

Buy Back guarantee in case of borrower's payments delay for more than 15 days.

The loan has been issued by Latvian company to a Russian credit company. This company is a legal entity, affiliated with an existing credit company and was established within the implementation of the plans for geographic expansion of the market of provision of microcredit services for individuals and offering consumers a new improved pro...

Issued 14.06.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 55,000.00 | 52,250.00
Interest rate 14.00%
Term 2 m.
Available 43,789.63
Available
43,789.63
IR
14.00%
LTV
-
Term
2 months
8,460.37 of 52,250.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The company is engaged in translation services. Works internationally. Needs money regularly for short period of time in big amounts for wages. The client is very professional, no late payments, always makes payments in time.

Issued 06.10.2017
Loan type
Creditor Monify SIA
Loan principal | Initial offer 40,000.00 | 38,000.00
Interest rate 14.00%
Term 5 m.
Available 34,275.87
Available
34,275.87
IR
14.00%
LTV
-
Term
5 months
3,724.13 of 38,000.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The company sells cosmetics and beauty products wholesale, has make-up schools, works in Lithuania and Estonia. They needed an increase in working capital to buy more products and sell them through a pharmacy network in Lithuania. 

Issued 30.04.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 9,000.00 | 8,550.00
Interest rate 14.00%
Term 9 m.
Available 4,269.09
Available
4,269.09
IR
14.00%
LTV
-
Term
9 months
4,280.91 of 8,550.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The company is engaged in business-to-business activity by manufacturing glass fiber. It exports 90% of their production. The company needed additional working capital to buy raw materials for manufacturing.

Issued 21.02.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 7,500.00 | 7,125.00
Interest rate 14.00%
Term 5 m.
Available 3,211.21
Available
3,211.21
IR
14.00%
LTV
-
Term
5 months
3,913.79 of 7,125.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The company is engaged in sports activity by creating basketball events, championships. Moreover, the company owns basketball league. The company needed money for international championship, where some teams were sponsored by the league to go abroad to compete with international teams. The client makes payments in time without being late.

Issued 28.05.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 30,000.00 | 28,500.00
Interest rate 14.00%
Term 7 m.
Available 18,867.71
Available
18,867.71
IR
14.00%
LTV
-
Term
7 months
9,632.29 of 28,500.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The borrower is car rental company which additionally provide car distributing services. The company owns more than 10 cars, including exclusive cars, the cost of which exceeds 100 000 EUR. The company provides long-term and short-term rental services. The company's clients are mostly legal entities, representing different industries, in...

Issued 25.05.2018
Loan type
Creditor KMFC Estonia OU
Loan principal | Initial offer 43,000.00 | 40,850.00
Interest rate 14.00%
Term 7 m.
Available 29,448.38
Available
29,448.38
IR
14.00%
LTV
-
Term
7 months
11,401.62 of 40,850.00

BuyBack guarantee in case of payments delay for more than 60 days.

The borrower is a car distributor which works exclusively with European auto dealers. The company sells cars not older than 2012 year of production with a complete service history. The company provides to its customers a 3-month guarantee on the car.

The loan is issued to purchase and further sale of a cars.

The loan is secured with comp...

Issued 09.05.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 30,000.00 | 28,500.00
Interest rate 14.00%
Term 2 m.
Available 10,063.31
Available
10,063.31
IR
14.00%
LTV
-
Term
2 months
18,436.69 of 28,500.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days


The borrower is building company. This family business operates for more than 7 years in building industry. The loan was used with a purpose to finance a certain project to be able to finish it much faster. The borrower has a good payment record with Monify and already became a loyal client.


There is a person...

Issued 13.04.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 10,000.00 | 9,500.00
Interest rate 14.00%
Term 6 m.
Available 2,569.04
Available
2,569.04
IR
14.00%
LTV
-
Term
6 months
6,930.96 of 9,500.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days


The borrower is Latvian entertainment company. The owner has a vast experience in this field and a good track record. The loan was used to finance different projects in the new season. The borrower hasa  good payment record with Monify. The borrower have almost 6 years’ experience in the market, including successful...

Issued 28.03.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 50,000.00 | 30,000.00
Interest rate 14.00%
Term 4 m.
Available 20,008.08
Available
20,008.08
IR
14.00%
LTV
-
Term
4 months
9,991.92 of 30,000.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days


The borrower is timber reseller. The company has experienced staff and long-term partners all over the world. The main operating market is in Latvia, which is active for 6 full years. The loan was used to fill in the stock in the new operating country. The borrower has good payment record with Monify.


There is a person...

Issued 22.01.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 50,000.00 | 30,000.00
Interest rate 14.00%
Term 7 m.
Available 21,694.79
Available
21,694.79
IR
14.00%
LTV
-
Term
7 months
8,305.21 of 30,000.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

The borrower is metal product manufacturing company. The company produces different kind of metal products and most of them are exported to European countries. The company operates in Latvia for more than 20 years. The loan was used to finance working capital needs for new projects. The borrower has good payment record with Monify.

<...
Issued 28.12.2017
Loan type
Creditor Monify SIA
Loan principal | Initial offer 80,987.00 | 30,000.00
Interest rate 14.00%
Term 7 m.
Available 22,601.94
Available
22,601.94
IR
14.00%
LTV
-
Term
7 months
7,398.06 of 30,000.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The borrower is wood processing company. The main scope of work is sawmilling and planing of wood. The company operates in Latvia for more than 20 years. The loan was used to purchase new land with forest and for other working capital needs. The borrower has good payment record to Monify.

There is a personal guarantee of the main shar...

Issued 23.03.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 30,000.00 | 28,500.00
Interest rate 14.00%
Term 3 m.
Available 8,320.08
Available
8,320.08
IR
14.00%
LTV
-
Term
3 months
20,179.92 of 28,500.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days

The borrower is timber reselling and processing company. The company is purchasing land with forest and ready timber and resells it to long-term partners. Mainly the country is operating in Latvia for 5 years. The loan was used increase working capital of the company. The borrower has good payment record to Monify.

There is a personal guarantee of the...

Issued 10.11.2015
Loan type
Creditor KIT Bau GmbH
Loan principal | Initial offer 30,000.00 | 28,500.00
Interest rate 14.00%
Term 11 m.
Available 6,936.92
Available
6,936.92
IR
14.00%
LTV
-
Term
11 months
21,563.08 of 28,500.00

Special offer - 1% cashback (from 31.05.2018 to 31.08.2018).

Buy Back guarantee in case of borrower's payments delay for more than 60 days.

This loan has been granted within the framework of a 2-year Agreement on provision of medium-term financing in tranches to a logistics company (Germany), rapidly developing in European markets.

The loan has been granted for the develo...

Issued 18.05.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 30,000.00 | 28,500.00
Interest rate 14.00%
Term 6 m.
Available 6,949.92
Available
6,949.92
IR
14.00%
LTV
-
Term
6 months
21,550.08 of 28,500.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The main activity of the borrower is car rental business. The company provides long-term and short-term rental services to legal entities only.

The loan is issued for further development of the company due to growing demand on this type of activity.

The loan is secured with the company's assets and the founder's personal...

Issued 16.05.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 50,000.00 | 47,500.00
Interest rate 14.00%
Term 8 m.
Available 8,045.06
Available
8,045.06
IR
14.00%
LTV
40%
Term
8 months
39,454.94 of 47,500.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

Loan purpose

The loan has been issued within the framework of an Agreement on provision of financing in tranches with an average term 6 months to a development company (Norway) that provides supplies, assemblage and installation of high quality panel houses, produced in Latvia by an experienced manufacturer.

The purpose of the loan is to finance the building activities of the borrower on the Stage 1 comprisi...

Issued 10.05.2018
Loan type
Creditor Rigahus SIA
Loan principal | Initial offer 27,000.00 | 25,650.00
Interest rate 14.00%
Term 5 m.
Available 5,707.65
Available
5,707.65
IR
14.00%
LTV
-
Term
5 months
19,942.35 of 25,650.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The Borrower Company is operating in the field of construction and installation works and wooden interior decoration in the Scandinavian market. The company began active operating in the market from the beginning of 2017. The customers are hotels and large real estate developers of Sweden and Norway.

The loan is issued due to the grow...

Issued 05.04.2018
Loan type
Creditor Magnum Development SIA
Loan principal | Initial offer 28,000.00 | 26,600.00
Interest rate 14.00%
Term 6 m.
Available 7,855.42
Available
7,855.42
IR
14.00%
LTV
-
Term
6 months
18,744.58 of 26,600.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The borrower is a distributor of high-quality modern construction materials, produced by well-known European manufacturers (Switzerland, Germany, Sweden), including concrete additives, concrete protection materials and metal structures, gluing, sealing and waterproofing. The company does not only provide customers with supply of materials, bu...

Issued 23.04.2018
Loan type
Creditor Primo invest SIA
Loan principal | Initial offer 35,000.00 | 33,250.00
Interest rate 14.00%
Term 4 m.
Available 511.67
Available
511.67
IR
14.00%
LTV
100%
Term
4 months
32,738.33 of 33,250.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

Loan purpose

The loan has been issued within the framework of an Agreement on provision of financing in tranches with an average term 7 months to a development company (Norway) that provides supplies, assemblage and installation of high quality panel houses, produced in Latvia by an experienced manufacturer.

The purpose of the loan is to finance the building activities of the borrower on a subsequent stage o...

Issued 17.04.2018
Loan type
Creditor KM Finance Consulting SIA
Loan principal | Initial offer 32,000.00 | 30,400.00
Interest rate 14.00%
Term 4 m.
Available 7,668.82
Available
7,668.82
IR
14.00%
LTV
-
Term
4 months
22,731.18 of 30,400.00

BuyBack guarantee in case of payments delay for more than 60 days.

The borrower company is a car distributor. The company works exclusively with high-quality auto dealers of European leasing companies and auctions. The main purchasing markets are Austria and Germany, the car sales markets are located in Estonia and Latvia. The company sells cars not older than 2012 year of production with a complete service history. Th...

Issued 16.04.2018
Loan type
Creditor Rigahus SIA
Loan principal | Initial offer 29,000.00 | 27,550.00
Interest rate 14.00%
Term 5 m.
Available 5,837.51
Available
5,837.51
IR
14.00%
LTV
-
Term
5 months
21,712.49 of 27,550.00

BuyBack guarantee in case of borrower's payments delay for more than 60 days.

The Borrower Company is operating in the field of construction and installation works and wooden interior decoration in the Scandinavian market. The company began active operating in the market from the beginning of 2017. The customers are hotels and large real estate developers of Sweden and Norway.

The loan is issued due to the grow...

Issued 14.03.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 50,000.00 | 47,500.00
Interest rate 14.00%
Term 3 m.
Available 553.47
Available
553.47
IR
14.00%
LTV
-
Term
3 months
46,946.53 of 47,500.00

Buy Back guarantee in case of borrower's payments delay for more than 60 days.

The borrower is producing heat insulation equipment. The company operates 10 years and additionally to main activity type works as house and road construction company. The borrower has steady growth and plans to expand the market. The loan was taken to purchase additional materials to speed up construction of actual project.

The...

Issued 15.01.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 75,000.00 | 71,250.00
Interest rate 14.00%
Term 6 m.
Available 52,070.37
Available
52,070.37
IR
14.00%
LTV
-
Term
6 months
19,179.63 of 71,250.00

Buy Back guarantee in case of borrower's payments delay for more than 60 days.

The borrower is a construction company. The company is based in Latvia but main operating market is Scandinavia. Mostly providing wood panel house construction services. The loan was used to finance working capital for new project. The company has very fast growth in past 3 years.

There is a personal guarantee of the main shareh...

Issued 20.02.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 100,000.00 | 95,000.00
Interest rate 14.00%
Term 2 m.
Available 46,179.69
Available
46,179.69
IR
14.00%
LTV
-
Term
2 months
48,820.31 of 95,000.00

Buy Back guarantee in case of borrower's payments delay for more than 60 days.

The borrower is a transportation company. The main operating market is Europe and own more than 40 trucks. The loan was used to finance working capital for opening new season as there was increase of orders. The company’s owner is Latvian resident originally from another European country, therefore additional collateral was reques...

Issued 07.03.2018
Loan type
Creditor Monify SIA
Loan principal | Initial offer 80,000.00 | 76,000.00
Interest rate 14.00%
Term 2 m.
Available 38,332.37
Available
38,332.37
IR
14.00%
LTV
-
Term
2 months
37,667.63 of 76,000.00

Buy Back guarantee in case of borrower's payments delay for more than 60 days.

The borrower is wood processing company. The main product is different kind of firewood. The company works in Latvia, but main partners are in UK and Germany. The loan was used to finance the increase of new orders. The borrower is loyal customer of Monify.  

There is a personal guarantee of the main shareholder of the...

Issued 13.03.2018
Loan type
Creditor KM Finance Consulting SIA
Loan principal | Initial offer 38,000.00 | 36,100.00
Interest rate 14.00%
Term 4 m.
Available 6,815.63
Available
6,815.63
IR
14.00%
LTV
-
Term
4 months
29,284.37 of 36,100.00

BuyBack guarantee in case of payments delay for more than 60 days.

The borrower is a construction company, established in May 2017 to produce wooden frame houses using modern equipment and retaining highly qualified specialists. The company offers to its customers a full construction cycle, starting from design, production, delivery, installation and completion of houses to the performance of all interior and design wo...