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    Case Uk MCD - v3.1 Loans 3okt

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    sebastien.parmentier

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    Case Uk MCD - v3.1 Loans 3okt

    Uploaded by

    sebastien.parmentier
    9 views8 pages

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    Case Uk Mcd_v3.1 Loans 3okt

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    Copyright:

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    Download as xls, pdf, or txt
    9 views8 pages

    Case Uk MCD - v3.1 Loans 3okt

    Uploaded by

    sebastien.parmentier

    Copyright:

    © All Rights Reserved
    Download as XLS, PDF, TXT or read online from Scribd
    Download as xls, pdf, or txt
    of 8

    Mortgage financing

    Interstar KBC APC Goldenta Interstar Planet


    Amount 220,166 € 220,166 € 220,166 € 220,166 € 220,166 € 220,166 €
    Commission 0€ 2,000 € 1,000 € 1,000 €
    Commission and penalties 3,445 € 5,185 € 4,185 € 4,185 € 0€ 0€
    Number of payments 192 180 192 16 192 192
    Payments -1,615 € -1,650 € -1,713 € -19,000 € -1,583 € -1763.15
    Future value 0€ 0€ 0€ 0€ 0€ 0€

    Monthly (penalty excluded) 0.3783% 0.3608% 0.4538% 0.3384%


    Monthly (penalty included) 0.40% 0.38% 0.47% 0.35% INCREMENTAL RATE

    AER MC Directive 4.87% 4.42% 5.58% 4.14%


    AER from the borrower'view 4.87% 4.65% 5.81% 4.34% INCREMENTAL RATE

    Total payment -310,118 € -297,000 € -328,810 € -304,000 € -303,895 € -338,525 €


    Total payment+ Commissions -313,563 € -302,185 € -332,995 € -308,185 € -303,895 € -338,525 €

    PV incremental rate 228,120 € 224,465 € 242,401 € 220,166 € 220,166 € 245,254 €

    Solution written by Mathias Schmit


    0.91% 0.9080%

    Outstanding PMT Interest Reimbursement


    Month 1 10,000.00 € 883.33 = € 90.80 € 792.53
    Month 2 € 9,207.47 883.33 = € 83.60 € 799.73
    Month 3 € 8,407.74 883.33 € 76.34 € 806.99
    Month 4 € 7,600.75 883.33 € 69.01 € 814.32
    Month 5 € 6,786.43 883.33 € 61.62 € 821.71
    Month 6 € 5,964.72 883.33 € 54.16 € 829.17
    Month 7 € 5,135.55 883.33 € 46.63 € 836.70
    Month 8 € 4,298.85 883.33 € 39.03 € 844.30
    Month 9 € 3,454.55 883.33 € 31.37 € 851.96
    Month 10 € 2,602.59 883.33 € 23.63 € 859.70
    Month 11 € 1,742.89 883.33 € 15.82 € 867.51
    Month 12 € 875.38 883.33 € 7.95 € 875.38
    € 0.00
    € -883.33 end of the month
    Beginning of the month then put type 1 (not common)
    What is my monthy payment?
    0.908% (pay attention put -883,33 NOT 883,33)
    What is the rate?
    € -9,999.98
    How much money can i borrow?
    0.3791%
    PV in 0 PV in 1
    2015 -100
    2016 6.5 6.19
    2017 6.5 5.90 6.19
    2018 6.5 5.61 5.90
    2019 6.5 5.35 5.61
    2020 106.5 83.45 87.62
    VALUE 106.49 105.32
    Interest rate 5.0%
    0.4838% Outstanding PMT
    Month 1 250,000.00 € 1763.15 =
    Month 2 € 249,446.35 1763.15 =
    Month 3 € 248,890.02
    Month 4
    Interest Reimbursement
    € 1,209.50 € 553.65
    € 1,206.82 € 556.33
    -1,763.15 €

    0.483798%

    250,000.00 €

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