Finance desk
Test the assumptions, not only the price.
Two clear models for preparing a bank conversation or comparing an investment. Every assumption remains visible and editable.
Financing
Build a monthly payment.
Change the price, deposit, rate and term. No rate is presented as a recommendation.
- Loan amount
- €3,000,000
- Monthly payment
- €21,446
- Interest over the term
- €860,366
Rental investment
Read yield without oversimplifying it.
Compare gross yield with the income left after the annual charges you enter.
- Gross yield
- 3.60%
- Yield after charges
- 3.12%
- Annual income after charges
- €156,000
Indicative estimates only. Personal tax, insurance, arrangement fees, rate changes and acquisition costs are excluded. A bank, notary and your advisers should confirm the conditions that apply.
Monthly payment
The model uses a constant monthly payment. Change the rate and term to match the assumption supplied by your bank.
Yield
Gross yield compares rent with price. Yield after charges removes only the annual charges you enter.
Next step
Add acquisition costs, then have financing, tax and ownership structure confirmed by the relevant professionals.
Calculate buying costs