real estate cash flow

8/3/2019 Real Estate Cash Flow

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Parameters

Cost of House 5,000,000.00 Inflation 6.0% per year

Tax Bracket you come under 30% Brokerage when selling 1.0%

Loan percentage 80.00% prepayment penalty 2.0%

Interest rate 11.00% Annual Property Tax 5,000.00

Tenure 20.00 years Annual Maintenance Expenses 10,000.00 Painting, plumbing

Processing charges etc. 0.5%Bank rate for deposits 7.50% Affects cash flow as opportunity cost against investment

Rent you can get 0.00 0=staying in the house, Only capital appreciation

Capital Appreciation 8.00% per year

Rent increase per year 8%

Stay on rent? Yes Yes if you pay rent where you stay, no if this is a second house

Rent that you pay 15,000.00 Or that you get

Save tax? No On Principal (Usually covered in your PF or children's education)

Yes On Interest (Upto 150,000 per year)

Loan amount 4,000,000.00

Processing charges etc. 20,000.00

EMI 41,287.54INVESTMENT (down

payment + processing

charges 1,020,000.00

Year

Capital/Revenue Analysis 1 2 3 4 5

Total Revenue - - - - -

Total Expenses 407,117.16 808,384.07 1,203,073.59 1,590,371.43 1,969,365.90

Revenue Gain/Loss (407,117.16) (808,384.07) (1,203,073.59) (1,590,371.43) (1,969,365.90)

Total Investment 1,078,333.26 1,143,416.79 1,216,031.70 1,297,049.52 1,387,442.63

Total Realization (If you sold the property) 1,325,499.93 1,819,565.12 2,355,526.73 2,937,010.86 3,567,965.46

Gain including Revenue Gains (159,950.50) (132,235.74) (63,578.56) 49,589.91 211,156.93

Return (Simple Interest) -14.8% -5.8% -1.7% 1.0% 3.0%

Return (Compount Interest) -14.8% -6.0% -1.8% 0.9% 2.9%

Rent vs Buy

End of year net (rent) 1,342,970.89 1,681,614.50 2,036,396.53 2,407,758.80 2,796,112.68

End of year net (buy) 860,049.50 887,764.26 956,421.44 1,069,589.91 1,231,156.93

Rent is greater by: 482,921.39 793,850.24 1,079,975.08 1,338,168.90 1,564,955.75

Cash Flow

Monthly InFlow (This year) - - - - -

Monthly OutFlow (This Year) 38,787.54 38,862.54 38,942.04 39,026.31 39,115.63

Monthly Gain/Loss (38,787.54) (38,862.54) (38,942.04) (39,026.31) (39,115.63)

Yearly Gain/Loss (465,450.43) (466,350.43) (467,304.43) (468,315.67) (469,387.58)

Accrued Gain/Loss (465,450.43) (931,800.86) (1,399,105.29) (1,867,420.95) (2,336,808.54)

Year

Capital/Revenue Analysis 11 12 13 14 15

Total Revenue - - - - -

Total Expenses 4,002,442.52 4,286,823.05 4,550,399.59 4,790,669.55 5,004,835.00

Revenue Gain/Loss (4,002,442.52) (4,286,823.05) (4,550,399.59) (4,790,669.55) (5,004,835.00)

Total Investment 2,197,086.83 2,391,631.21 2,608,688.04 2,850,862.44 3,121,060.97

Total Realization 8,662,241.60 9,784,005.91 11,002,599.25 12,326,588.13 13,765,319.31

Gain including Revenue Gains 2,462,712.25 3,105,551.66 3,843,511.62 4,685,056.14 5,639,423.34

Return (Simple Interest) 10.2% 10.8% 11.3% 11.7% 12.0%

Return (Compount Interest) 7.1% 7.2% 7.2% 7.2% 7.1%

Rent vs Buy

End of year net (rent) 5,500,126.23 6,014,515.66 6,546,943.63 7,097,061.16 7,664,352.39

End of year net (buy) 3,482,712.25 4,125,551.66 4,863,511.62 5,705,056.14 6,659,423.34

Rent is greater by: 2,017,413.98 1,888,964.01 1,683,432.02 1,392,005.02 1,004,929.06

Cash Flow

Monthly InFlow (This year) - - - - -

Monthly OutFlow (This Year) 39,776.10 39,910.41 40,052.78 40,203.70 40,363.67

Monthly Gain/Loss (39,776.10) (39,910.41) (40,052.78) (40,203.70) (40,363.67)

Yearly Gain/Loss (477,313.14) (478,924.91) (480,633.38) (482,444.35) (484,363.99)

Accrued Gain/Loss (5,179,529.35) (5,658,454.26) (6,139,087.63) (6,621,531.99) (7,105,895.97)

2,000,000.00

-

(38,000.00)

(37,500.00)

1 2 3 4 5 6 7 8 9 1011121314151617181920

Cash Flow Analysis

18,000,000

20,000,000

Investment An



(12,000,000.00)

(10,000,000.00)

(8,000,000.00)

(6,000,000.00)

(4,000,000.00)

(42,000.00)

(41,500.00)

(41,000.00)

(40,500.00)

(40,000.00)

(39,500.00)

(39,000.00)

(38,500.00)

A c c r u e d A m o u n t p e r Y r - - - - -

C a s

h F l o w p e r M o n t h - - - - -

Year

Gain/loss per month Accrued Net Gain/Loss (annual)

0

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

12,000,000

14,000,000

, ,

1 2 3 4 5 6 7

Gain (Net value - Investm

(1,800,000.00)

(1,600,000.00)

(1,400,000.00)

(1,200,000.00)

(1,000,000.00)

(800,000.00)

(600,000.00)

(400,000.00)

(200,000.00)

-

200,000.00

(14,000,000.00)

(12,000,000.00)

(10,000,000.00)

(8,000,000.00)

(6,000,000.00)

(4,000,000.00)

(2,000,000.00)

-

2,000,000.00

1 2 3 4 5 6 7 8 9 1011121314151617181920

C a s h F l o w p e r M o n t h

Year

Cash Flow Analysis (Including opportunityCost)

Accrued Net Gain/Loss (annual) Including Opportunity Cost

Annual Gain/Loss (incl. Opportunity cost)

-3,000,000.00

-2,000,000.00

-1,000,000.00

0.00

1,000,000.00

2,000,000.00

3,000,000.00

4,000,000.00

1 2 3 4 A m o

u n t ( R s . )

Buy vs. Rent



6 7 8 9 10

- - - - -

2,339,036.42 2,698,240.71 3,045,700.53 3,379,985.69 3,699,496.23

(2,339,036.42) (2,698,240.71) (3,045,700.53) (3,379,985.69) (3,699,496.23)

1,488,295.93 1,600,819.85 1,726,364.91 1,866,437.90 2,022,719.98

4,252,689.75 4,995,866.38 5,802,596.75 6,678,439.57 7,629,453.11

425,357.40 696,805.82 1,030,531.31 1,432,015.97 1,907,236.91

4.8% 6.2% 7.5% 8.5% 9.4%

4.3% 5.3% 6.0% 6.5% 6.9%

3,201,831.44 3,625,241.79 4,066,614.20 4,526,151.98 5,003,979.06

1,445,357.40 1,716,805.82 2,050,531.31 2,452,015.97 2,927,236.91

1,756,474.04 1,908,435.98 2,016,082.89 2,074,136.01 2,076,742.16

- - - - -

39,210.32 39,310.68 39,417.07 39,529.85 39,649.38

(39,210.32) (39,310.68) (39,417.07) (39,529.85) (39,649.38) (470,523.81) (471,728.22) (473,004.88) (474,358.15) (475,792.61)

(2,807,332.35) (3,279,060.56) (3,752,065.45) (4,226,423.59) (4,702,216.21)

16 17 18 19 20

- - - - -

5,189,768.21 5,341,973.07 5,457,542.12 5,532,108.51 5,560,792.43

(5,189,768.21) (5,341,973.07) (5,457,542.12) (5,532,108.51) (5,560,792.43)

3,422,526.57 3,758,877.41 4,134,150.38 4,552,849.50 5,020,000.00

15,328,993.18 17,028,744.33 18,876,729.91 20,886,226.74 23,071,737.86

6,716,698.41 7,927,893.85 9,285,037.41 10,801,268.72 12,490,945.43

12.3% 12.4% 12.5% 12.5% 12.4%

7.0% 6.9% 6.8% 6.6% 6.4%

8,248,110.49 8,847,410.69 9,461,080.45 10,087,666.05 10,741,590.09

7,736,698.41 8,947,893.85 10,305,037.41 11,821,268.72 13,510,945.43

511,412.08 (100,483.16) (843,956.96) (1,733,602.67) (2,769,355.34)

- - - - -

40,533.23 40,712.98 40,903.50 41,105.46 41,319.54

(40,533.23) (40,712.98) (40,903.50) (41,105.46) (41,319.54)

(486,398.80) (488,555.70) (490,842.02) (493,265.52) (495,834.42)

(7,592,294.77) (8,080,850.48) (8,571,692.50) (9,064,958.01) (9,560,792.43)

5.0%

10.0%

lysis (Capital Appreciation)



-20.0%

-15.0%

-10.0%

-5.0%

0.0%

8 9 10 11 12 13 14 15 16 17 18 19 20 21

nt) Annual Return (Compounded)

5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Year

Buying is better than rent by?

Cash Flow



More Parameters YearCost of house 5,000,000.00 Principal paid

Loan percentage 80.00% tax savingtax bracket 30% Interest

Loan amount 4,000,000.00 tax saving

Interest rate 11.00%Tenure 20.00 Years Rent

Processing charges etc. 20,000.00 1% This year?EMI 41,287.54 p.m. Revenue

Rent ReceivedINVESTMENT (down pmt +

processing charges 1,020,000.00 Tax saved on Principal

Investment Rate 7.50% Total RevenueTax Saving Principal 0.00 1 for yes, 0 for no Expenses (Cumulative)Tax savign Interest 1.00 1 for yes, 0 for no Tax on rent

Rent you can get 0.00 DeductionValueCapital Appreciation 8% Taxable Rent

Increase in rent per year 8% taxTax deduction allowed on rent received 30% Actual Exp on house

Actual Exp on house per year 10,000.00 Property Tax

Property tax annual 5,000.00 EMI (Interest)Inflation 6.0% Subtract Tax saving

hra tax saving 40.00% Total ExpensesStay on rent? 1.00 1 for yes, 0 for no Profit/Loss

Brokerage when selling 1.0% Investment Analysisprepayment penalty 2.0% Initial Investment

Rent you would pay 15,000.00 Principal paid by EMI

Total Investment

ValuationCurrent Value of house

Loan LiabilityBrokerage for sale 1%

Prepayment Penalty 2%

Net Value

Gain (Net value - Investment) Add revenue gain

Annual Rate of return (simple)

Annual Return (Compounded)

Cash Flow AnalysisEarning per month

Spending per month

Gain/loss per month Annual Net Gain/Loss

Annual Gain/Loss (incl. Opportunity cost)accrued Accrued Net Gain/Loss (annual)

accrued

Accrued Net Gain/Loss (annual)

Including Opportunity Cost

Rent Vs BuyRent Assume you put the same money in an investment and

1 accrued interest return of down payment EMI minus tax saving (per month)

Rent calculationequal to the rent you would get on your house accrued rent paid

minus hra saved on rent paid

Net, per month (average)

subtracted rent Excess of EMI over rent per month

2 accrued Invest this as an SIP over a year

accrued Total inflow(int on principalplus post tax emi) (1+2)

Total value with you:

for rent total initialnet inflow

net outgo (rent paid minus tax saving)

what is left with you at the end

For buy total initialnet outgo in buy (principal, interest, expenses)

net value

what is left with you at the end

accrued Buying is better than rent by?This year

Capital Appreciation basisReal return

If you pay rent where you stay Real return considering rent



1 2 3 4 5 6 7

58,333.26 65,083.52 72,614.91 81,017.82 90,393.11 100,853.30 112,523.92

- - - - - - -

437,117.16 430,366.91 422,835.52 414,432.60 405,057.32 394,597.13 382,926.50

45,000.00 45,000.00 45,000.00 45,000.00 45,000.00 45,000.00 45,000.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

10,000.00 20,600.00 31,836.00 43,746.16 56,370.93 69,753.19 83,938.38

5,000.00 10,300.00 15,918.00 21,873.08 28,185.46 34,876.59 41,969.19

437,117.16 867,484.07 1,290,319.59 1,704,752.19 2,109,809.51 2,504,406.64 2,887,333.15

(45,000.00) (90,000.00) (135,000.00) (180,000.00) (225,000.00) (270,000.00) (315,000.00)

407,117.16 808,384.07 1,203,073.59 1,590,371.43 1,969,365.90 2,339,036.42 2,698,240.71

(407,117.16) (808,384.07) (1,203,073.59) (1,590,371.43) (1,969,365.90) (2,339,036.42) (2,698,240.71)

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00

58,333.26 123,416.79 196,031.70 277,049.52 367,442.63 468,295.93 580,819.85

1,078,333.26 1,143,416.79 1,216,031.70 1,297,049.52 1,387,442.63 1,488,295.93 1,600,819.85

5,400,000.00 5,832,000.00 6,298,560.00 6,802,444.80 7,346,640.38 7,934,371.61 8,569,121.34

3,941,666.74 3,876,583.21 3,803,968.30 3,722,950.48 3,632,557.37 3,531,704.07 3,419,180.15

54,000.00 58,320.00 62,985.60 68,024.45 73,466.40 79,343.72 85,691.21

78,833.33 77,531.66 76,079.37 74,459.01 72,651.15 70,634.08 68,383.60

1,325,499.93 1,819,565.12 2,355,526.73 2,937,010.86 3,567,965.46 4,252,689.75 4,995,866.38

247,166.67 676,148.34 1,139,495.03 1,639,961.34 2,180,522.83 2,764,393.82 3,395,046.53

(159,950.50) (132,235.74) (63,578.56) 49,589.91 211,156.93 425,357.40 696,805.82 -14.8% -5.8% -1.7% 1.0% 3.0% 4.8% 6.2%

-14.8% -6.0% -1.8% 0.9% 2.9% 4.3% 5.3%

- - - - - - -

38,787.54 38,862.54 38,942.04 39,026.31 39,115.63 39,210.32 39,310.68

(38,787.54) (38,862.54) (38,942.04) (39,026.31) (39,115.63) (39,210.32) (39,310.68)

(465,450.43) (466,350.43) (467,304.43) (468,315.67) (469,387.58) (470,523.81) (471,728.22)

17,470.96 (155,421.58) (181,179.58) (210,121.85) (242,600.73) (279,005.52) (319,766.28)

(465,450.43) (931,800.86) (1,399,105.29) (1,867,420.95) (2,336,808.54) (2,807,332.35) (3,279,060.56)

17,470.96 (137,950.62) (319,130.20) (529,252.06) (771,852.79) (1,050,858.31) (1,370,624.59)

76,500.00 158,737.50 247,142.81 342,178.52 444,341.91 554,167.56 672,230.12

37,537.54 37,537.54 37,537.54 37,537.54 37,537.54 37,537.54 37,537.54

180,000.00 374,400.00 584,352.00 811,100.16 1,055,988.17 1,320,467.23 1,606,104.60

72,000.00 149,760.00 233,740.80 324,440.06 422,395.27 528,186.89 642,441.84

9,000.00 9,720.00 10,497.60 11,337.41 12,244.40 13,223.95 14,281.87

28,537.54 27,817.54 27,039.94 26,200.13 25,293.14 24,313.58 23,255.67

354,470.89 727,517.00 1,119,864.91 1,532,240.38 1,965,363.67 2,419,944.22 2,896,674.43

430,970.89 886,254.50 1,367,007.73 1,874,418.90 2,409,705.58 2,974,111.78 3,568,904.56

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00

430,970.89 886,254.50 1,367,007.73 1,874,418.90 2,409,705.58 2,974,111.78 3,568,904.56

108,000.00 224,640.00 350,611.20 486,660.10 633,592.90 792,280.34 963,662.76

1,342,970.89 1,681,614.50 2,036,396.53 2,407,758.80 2,796,112.68 3,201,831.44 3,625,241.79

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00

465,450.43 931,800.86 1,399,105.29 1,867,420.95 2,336,808.54 2,807,332.35 3,279,060.56

1,325,499.93 1,819,565.12 2,355,526.73 2,937,010.86 3,567,965.46 4,252,689.75 4,995,866.38

860,049.50 887,764.26 956,421.44 1,069,589.91 1,231,156.93 1,445,357.40 1,716,805.82

-482,921.39 -793,850.24 -1,079,975.08 -1,338,168.90 -1,564,955.75 -1,756,474.04 -1,908,435.98

-482,921.39 (310,928.85) -286,124.84 -258,193.82 -226,786.85 -191,518.29 -151,961.94

(590,921.39) (1,018,490.24) (1,430,586.28) (1,824,828.99) (2,198,548.65) (2,548,754.38) (2,872,098.74)

322,970.89 661,614.50 1,016,396.53 1,387,758.80 1,776,112.68 2,181,831.44 2,605,241.79



1,020,000.00

1,325,499.93

407,117.16

(101,617.24)

918,382.76

1,116,000.00

66960

(108,000.00)

1,074,960.00

(156,577.24)



8 9 10 11 12 13 14

125,545.06 140,072.99 156,282.07 174,366.85 194,544.38 217,056.83 242,174.40

- - - - - - -

369,905.37 355,377.44 339,168.36 321,083.58 300,906.05 278,393.60 253,276.03

45,000.00 45,000.00 45,000.00 45,000.00 45,000.00 45,000.00 45,000.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

98,974.68 114,913.16 131,807.95 149,716.43 168,699.41 188,821.38 210,150.66

49,487.34 57,456.58 65,903.97 74,858.21 84,349.71 94,410.69 105,075.33

3,257,238.51 3,612,615.95 3,951,784.31 4,272,867.88 4,573,773.93 4,852,167.52 5,105,443.56

(360,000.00) (405,000.00) (450,000.00) (495,000.00) (540,000.00) (585,000.00) (630,000.00)

3,045,700.53 3,379,985.69 3,699,496.23 4,002,442.52 4,286,823.05 4,550,399.59 4,790,669.55

(3,045,700.53) (3,379,985.69) (3,699,496.23) (4,002,442.52) (4,286,823.05) (4,550,399.59) (4,790,669.55)

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00706,364.91 846,437.90 1,002,719.98 1,177,086.83 1,371,631.21 1,588,688.04 1,830,862.44

1,726,364.91 1,866,437.90 2,022,719.98 2,197,086.83 2,391,631.21 2,608,688.04 2,850,862.44

9,254,651.05 9,995,023.14 10,794,624.99 11,658,194.99 12,590,850.58 13,598,118.63 14,685,968.12

3,293,635.09 3,153,562.10 2,997,280.02 2,822,913.17 2,628,368.79 2,411,311.96 2,169,137.56

92,546.51 99,950.23 107,946.25 116,581.95 125,908.51 135,981.19 146,859.68

65,872.70 63,071.24 59,945.60 56,458.26 52,567.38 48,226.24 43,382.75

5,802,596.75 6,678,439.57 7,629,453.11 8,662,241.60 9,784,005.91 11,002,599.25 12,326,588.13

4,076,231.84 4,812,001.66 5,606,733.14 6,465,154.77 7,392,374.70 8,393,911.21 9,475,725.69

1,030,531.31 1,432,015.97 1,907,236.91 2,462,712.25 3,105,551.66 3,843,511.62 4,685,056.14

7.5% 8.5% 9.4% 10.2% 10.8% 11.3% 11.7%

6.0% 6.5% 6.9% 7.1% 7.2% 7.2% 7.2%

- - - - - - -

39,417.07 39,529.85 39,649.38 39,776.10 39,910.41 40,052.78 40,203.70

(39,417.07) (39,529.85) (39,649.38) (39,776.10) (39,910.41) (40,052.78) (40,203.70)

(473,004.88) (474,358.15) (475,792.61) (477,313.14) (478,924.91) (480,633.38) (482,444.35)

(365,357.97) (416,305.04) (473,186.46) (536,641.32) (607,374.88) (686,165.37) (773,871.35)

(3,752,065.45) (4,226,423.59) (4,702,216.21) (5,179,529.35) (5,658,454.26) (6,139,087.63) (6,621,531.99)

(1,735,982.55) (2,152,287.59) (2,625,474.05) (3,162,115.37) (3,769,490.25) (4,455,655.62) (5,229,526.97)

799,147.38 935,583.44 1,082,252.19 1,239,921.11 1,409,415.19 1,591,621.33 1,787,492.93

37,537.54 37,537.54 37,537.54 37,537.54 37,537.54 37,537.54 37,537.54

1,914,592.97 2,247,760.41 2,607,581.24 2,996,187.74 3,415,882.76 3,869,153.38 4,358,685.65

765,837.19 899,104.16 1,043,032.50 1,198,475.10 1,366,353.11 1,547,661.35 1,743,474.26

15,424.42 16,658.37 17,991.04 19,430.32 20,984.75 22,663.53 24,476.61

22,113.12 20,879.16 19,546.49 18,107.21 16,552.78 14,874.00 13,060.92

3,396,222.60 3,919,224.79 4,466,275.61 5,037,917.77 5,634,630.13 6,256,814.33 6,904,779.62

4,195,369.98 4,854,808.22 5,548,527.81 6,277,838.88 7,044,045.32 7,848,435.66 8,692,272.55

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.004,195,369.98 4,854,808.22 5,548,527.81 6,277,838.88 7,044,045.32 7,848,435.66 8,692,272.55

1,148,755.78 1,348,656.25 1,564,548.75 1,797,712.65 2,049,529.66 2,321,492.03 2,615,211.39

4,066,614.20 4,526,151.98 5,003,979.06 5,500,126.23 6,014,515.66 6,546,943.63 7,097,061.16

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00

3,752,065.45 4,226,423.59 4,702,216.21 5,179,529.35 5,658,454.26 6,139,087.63 6,621,531.99

5,802,596.75 6,678,439.57 7,629,453.11 8,662,241.60 9,784,005.91 11,002,599.25 12,326,588.13

2,050,531.31 2,452,015.97 2,927,236.91 3,482,712.25 4,125,551.66 4,863,511.62 5,705,056.14

-2,016,082.89 -2,074,136.01 -2,076,742.16 -2,017,413.98 -1,888,964.01 -1,683,432.02 -1,392,005.02

-107,646.91 -58,053.11 -2,606.15 59,328.17 128,449.97 205,531.99 291,427.00

(3,164,838.68) (3,422,792.25) (3,641,290.90) (3,815,126.63) (3,938,493.67) (4,004,924.05) (4,007,216.41)

3,046,614.20 3,506,151.98 3,983,979.06 4,480,126.23 4,994,515.66 5,526,943.63 6,077,061.16



15 16 17 18 19 20

270,198.53 301,465.59 336,350.84 375,272.97 418,699.12 467,150.50

- - - - - -

225,251.89 193,984.83 159,099.59 120,177.46 76,751.31 28,299.93

45,000.00 45,000.00 45,000.00 45,000.00 45,000.00 45,000.00

0.00 0.00 0.00 0.00 0.00 0.00

- - - - - -

- - - - - -

- - - - - - - - - - - -

- - - - - -

- - - - - -

- - - - - -

- - - - - -

232,759.70 256,725.28 282,128.80 309,056.53 337,599.92 367,855.91

116,379.85 128,362.64 141,064.40 154,528.26 168,799.96 183,927.96

5,330,695.45 5,524,680.28 5,683,779.87 5,803,957.33 5,880,708.64 5,909,008.57

(675,000.00) (720,000.00) (765,000.00) (810,000.00) (855,000.00) (900,000.00)

5,004,835.00 5,189,768.21 5,341,973.07 5,457,542.12 5,532,108.51 5,560,792.43

(5,004,835.00) (5,189,768.21) (5,341,973.07) (5,457,542.12) (5,532,108.51) (5,560,792.43)

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00

2,101,060.97 2,402,526.57 2,738,877.41 3,114,150.38 3,532,849.50 4,000,000.00

3,121,060.97 3,422,526.57 3,758,877.41 4,134,150.38 4,552,849.50 5,020,000.00

15,860,845.57 17,129,713.22 18,500,090.27 19,980,097.50 21,578,505.30 23,304,785.72

1,898,939.03 1,597,473.43 1,261,122.59 885,849.62 467,150.50 0.00

158,608.46 171,297.13 185,000.90 199,800.97 215,785.05 233,047.86

37,978.78 31,949.47 25,222.45 17,716.99 9,343.01 0.00 13,765,319.31 15,328,993.18 17,028,744.33 18,876,729.91 20,886,226.74 23,071,737.86

10,644,258.33 11,906,466.62 13,269,866.92 14,742,579.53 16,333,377.23 18,051,737.86

5,639,423.34 6,716,698.41 7,927,893.85 9,285,037.41 10,801,268.72 12,490,945.43

12.0% 12.3% 12.4% 12.5% 12.5% 12.4%

7.1% 7.0% 6.9% 6.8% 6.6% 6.4%

- - - - - -

40,363.67 40,533.23 40,712.98 40,903.50 41,105.46 41,319.54

(40,363.67) (40,533.23) (40,712.98) (40,903.50) (41,105.46) (41,319.54) (484,363.99) (486,398.80) (488,555.70) (490,842.02) (493,265.52) (495,834.42)

(871,439.95) (979,915.79) (1,100,450.94) (1,234,315.82) (1,382,911.22) (1,531,587.09)

(7,105,895.97) (7,592,294.77) (8,080,850.48) (8,571,692.50) (9,064,958.01) (9,560,792.43)

(6,100,966.91) (7,080,882.70) (8,181,333.64) (9,415,649.46) (10,798,560.68) (12,330,147.77)

1,998,054.90 2,224,409.02 2,467,739.69 2,729,320.17 3,010,519.18 3,312,808.12

37,537.54 37,537.54 37,537.54 37,537.54 37,537.54 37,537.54

4,887,380.51 5,458,370.95 6,075,040.62 6,741,043.87 7,460,327.38 8,237,153.57 1,954,952.20 2,183,348.38 2,430,016.25 2,696,417.55 2,984,130.95 3,294,861.43

26,434.74 28,549.52 30,833.48 33,300.16 35,964.18 38,841.31

11,102.79 8,988.01 6,704.05 4,237.37 1,573.36 (1,303.77)

7,578,725.80 8,278,724.04 9,004,695.37 9,756,386.60 10,533,343.30 11,351,074.11

9,576,780.70 10,503,133.05 11,472,435.07 12,485,706.78 13,543,862.48 14,663,882.24

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00

9,576,780.70 10,503,133.05 11,472,435.07 12,485,706.78 13,543,862.48 14,663,882.24

2,932,428.30 3,275,022.57 3,645,024.37 4,044,626.32 4,476,196.43 4,942,292.147,664,352.39 8,248,110.49 8,847,410.69 9,461,080.45 10,087,666.05 10,741,590.09

1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00 1,020,000.00

7,105,895.97 7,592,294.77 8,080,850.48 8,571,692.50 9,064,958.01 9,560,792.43

13,765,319.31 15,328,993.18 17,028,744.33 18,876,729.91 20,886,226.74 23,071,737.86

6,659,423.34 7,736,698.41 8,947,893.85 10,305,037.41 11,821,268.72 13,510,945.43

-1,004,929.06 -511,412.08 100,483.16 843,956.96 1,733,602.67 2,769,355.34

387,075.96 493,516.98 611,895.23 743,473.80 889,645.71 1,035,752.67

(3,937,357.36) (3,786,434.64) (3,544,541.22) (3,200,669.36) (2,742,593.76) (2,172,936.81) 6,644,352.39 7,228,110.49 7,827,410.69 8,441,080.45 9,067,666.05 9,721,590.09



Loan amount 4,000,000.00

Rate of Interest 11.00% 1.1 2

Tenure 240.00 months

EMI 41,287.54 per month

month Principle Interest O/s Principle

1 4,620.87 36,666.67 3,995,379.13

2 4,663.23 36,624.31 3,990,715.90 \

3 4,705.97 36,581.56 3,986,009.93

4 4,749.11 36,538.42 3,981,260.82

5 4,792.64 36,494.89 3,976,468.176 4,836.58 36,450.96 3,971,631.60

7 4,880.91 36,406.62 3,966,750.68

8 4,925.65 36,361.88 3,961,825.03

9 4,970.81 36,316.73 3,956,854.22

10 5,016.37 36,271.16 3,951,837.85

11 5,062.36 36,225.18 3,946,775.50 principal interest

12 5,108.76 36,178.78 3,941,666.74 58333 437117

13 5,155.59 36,131.95 3,936,511.15

14 5,202.85 36,084.69 3,931,308.30

15 5,250.54 36,036.99 3,926,057.75

16 5,298.67 35,988.86 3,920,759.08

17 5,347.24 35,940.29 3,915,411.84

18 5,396.26 35,891.28 3,910,015.57

19 5,445.73 35,841.81 3,904,569.85

20 5,495.65 35,791.89 3,899,074.20

21 5,546.02 35,741.51 3,893,528.18

22 5,596.86 35,690.67 3,887,931.32

23 5,648.17 35,639.37 3,882,283.15

24 5,699.94 35,587.60 3,876,583.21 65084 430367

25 5,752.19 35,535.35 3,870,831.03

26 5,804.92 35,482.62 3,865,026.1127 5,858.13 35,429.41 3,859,167.98

28 5,911.83 35,375.71 3,853,256.15

29 5,966.02 35,321.51 3,847,290.13

30 6,020.71 35,266.83 3,841,269.42

31 6,075.90 35,211.64 3,835,193.52

32 6,131.60 35,155.94 3,829,061.92

33 6,187.80 35,099.73 3,822,874.12

34 6,244.52 35,043.01 3,816,629.60

35 6,301.76 34,985.77 3,810,327.83

36 6,359.53 34,928.01 3,803,968.30 72615 422836 196032 1290320

37 6,417.83 34,869.71 3,797,550.4838 6,476.66 34,810.88 3,791,073.82

39 6,536.03 34,751.51 3,784,537.80

40 6,595.94 34,691.60 3,777,941.86

41 6,656.40 34,631.13 3,771,285.45

42 6,717.42 34,570.12 3,764,568.04

43 6,779.00 34,508.54 3,757,789.04

44 6,841.14 34,446.40 3,750,947.90

45 6,903.85 34,383.69 3,744,044.06

46 6,967.13 34,320.40 3,737,076.93

47 7,031.00 34,256.54 3,730,045.93

48 7,095.45 34,192.09 3,722,950.48 81018 414433

49 7,160.49 34,127.05 3,715,789.99

50 7,226.13 34,061.41 3,708,563.86

51 7,292.37 33,995.17 3,701,271.50

52 7,359.21 33,928.32 3,693,912.28

53 7,426.67 33,860.86 3,686,485.61

54 7,494.75 33,792.78 3,678,990.86

55 7,563.45 33,724.08 3,671,427.41

56 7,632.78 33,654.75 3,663,794.62

57 7,702.75 33,584.78 3,656,091.87

58 7,773.36 33,514.18 3,648,318.5159 7,844.62 33,442.92 3,640,473.89

60 7,916.53 33,371.01 3,632,557.37 90393 405057

61 7,989.09 33,298.44 3,624,568.28

62 8,062.33 33,225.21 3,616,505.95

63 8,136.23 33,151.30 3,608,369.72

64 8,210.81 33,076.72 3,600,158.90

65 8,286.08 33,001.46 3,591,872.83

66 8,362.03 32,925.50 3,583,510.79

67 8,438.69 32,848.85 3,575,072.10

68 8,516.04 32,771.49 3,566,556.06

69 8,594.11 32,693.43 3,557,961.96

70 8,672.88 32,614.65 3,549,289.07

71 8,752.39 32,535.15 3,540,536.69

72 8,832.62 32,454.92 3,531,704.07 100853 394597

73 8,913.58 32,373.95 3,522,790.49

74 8,995.29 32,292.25 3,513,795.20

75 9,077.75 32,209.79 3,504,717.45

76 9,160.96 32,126.58 3,495,556.49

77 9,244.93 32,042.60 3,486,311.56

78 9,329.68 31,957.86 3,476,981.88

79 9,415.20 31,872.33 3,467,566.68

80 9,501.51 31,786.03 3,458,065.17

81 9,588.60 31,698.93 3,448,476.57

82 9,676.50 31,611.04 3,438,800.06

83 9,765.20 31,522.33 3,429,034.86

84 9,854.72 31,432.82 3,419,180.15 112524 382927

85 9,945.05 31,342.48 3,409,235.10

86 10,036.21 31,251.32 3,399,198.88

87 10,128.21 31,159.32 3,389,070.67

88 10,221.05 31,066.48 3,378,849.61

89 10,314.75 30,972.79 3,368,534.87

90 10,409.30 30,878.24 3,358,125.5791 10,504.72 30,782.82 3,347,620.85

92 10,601.01 30,686.52 3,337,019.84

93 10,698.19 30,589.35 3,326,321.65

94 10,796.25 30,491.28 3,315,525.40

95 10,895.22 30,392.32 3,304,630.18

96 10,995.09 30,292.44 3,293,635.09 125545 369905

97 11,095.88 30,191.65 3,282,539.20

98 11,197.59 30,089.94 3,271,341.61

99 11,300.24 29,987.30 3,260,041.37

100 11,403.82 29,883.71 3,248,637.55

101 11,508.36 29,779.18 3,237,129.19

102 11,613.85 29,673.68 3,225,515.34

103 11,720.31 29,567.22 3,213,795.03

104 11,827.75 29,459.79 3,201,967.28

105 11,936.17 29,351.37 3,190,031.11

106 12,045.58 29,241.95 3,177,985.53

107 12,156.00 29,131.53 3,165,829.53

108 12,267.43 29,020.10 3,153,562.10 140073 355377

109 12,379.88 28,907.65 3,141,182.21

110 12,493.37 28,794.17 3,128,688.85

111 12,607.89 28,679.65 3,116,080.96112 12,723.46 28,564.08 3,103,357.50

113 12,840.09 28,447.44 3,090,517.41

114 12,957.79 28,329.74 3,077,559.61

115 13,076.57 28,210.96 3,064,483.04

116 13,196.44 28,091.09 3,051,286.60

117 13,317.41 27,970.13 3,037,969.19

118 13,439.48 27,848.05 3,024,529.71

119 13,562.68 27,724.86 3,010,967.03

real estate cash flow

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