Professional Documents
Culture Documents
1 2
House price $600,000 $600,000
Deposit $70,000 $70,000
Deposit less fees $55,301 $55,301
Loan Amount $544,699 $544,699
Loan Interest 3.50% 3.50%
Loan period (years) 15 15
Loan period type Monthly Monthly
LVR 90.78% 90.78%
# people in deal 1 2.225
Upfront costs total $14,699 $14,699
LMI total $11,952 $11,952
Loan Repayment $3,894 $3,894
Payment each $3,894 $1,750
Weekly each $899 $404
Multiple rates
# different rates 1 1
1st Loan rate 3.50% 3.50%
1st load period (years) 3 3
Loan Repayment $3,894 $3,894
2nd Load Interest 2.00% 2.00%
2nd Load period (years) 3 3
2nd term Loan Repayment $3,575 $3,575
3rd Load Interest 2.00% 2.00%
3rd Load period (years) 9 9
3rd term Loan Repayment $3,648 $3,648
5 people less difference but
Values at year… 5
Scenarios The Nu
3 4 5 1
$600,000 $600,000 $600,000 Amount paid $233,637
$70,000 $70,000 $70,000 Interest paid $82,722
$55,301 $55,301 $55,301 Principal loan paid $150,916
$544,699 $544,699 $544,699 New Principal balance $393,783
3.50% 3.50% 3.50% Total cost $97,421
15 15 15 Rent $44,200
Monthly Monthly Monthly Money back when sold (I.e loan payed) $150,916
90.78% 90.78% 90.78% EACH Balance in bank when sold (Each walk with) $150,916
4 4 4 Difference (between rent and paying fees & interest) -$53,221
$14,699 $14,699 $14,699 Difference per person $97,579
$11,952 $11,952 $11,952 INCREASE IN VALUE?
$3,894 $3,894 $3,894 Property value increase (%) 0.00%
$973 $973 $973 New property value $600,000
$225 $225 $225 Equity at year (principle + increase in value) $150,916
Net profit from increase in value total $0
Summary of costs Profit each $0
$12,850 $12,850 $12,850
$1,657 $1,657 $1,657 Overall net difference $97,579
$192 $192 $192 Each walk with $150,916
$11,952 $11,952 $11,952
Multiple rates
1 1 1
3.50% 3.50% 3.50%
3 3 3
$3,894 $3,894 $3,894
2.00% 2.00% 2.00%
3 3 3
$3,575 $3,575 $3,575
2.00% 2.00% 2.00%
9 9 9
$3,648 $3,648 $3,648
5 people less difference but its going towards equity!!!!!!!!!!!!
The Numbers
2 3 4 5
$233,637 $233,637 $233,637 $233,637
$82,722 $82,722 $82,722 $82,722
$150,916 $150,916 $150,916 $150,916
$393,783 $393,783 $393,783 $393,783
$97,421 $97,421 $97,421 $97,421
$98,345 $176,800 $176,800 $176,800
$150,916 $150,916 $150,916 $150,916
$67,827 $37,729 $37,729 $37,729
$924 $79,379 $79,379 $79,379 * Difference between rent (lost money) and buying a house which includes fix
$43,856 $24,395 $24,395 $24,395
Payment 13
Payment 14
Payment 15
Payment 16
Payment 17
Payment 18
Payment 19
Payment 20
Buying Fixed costs Payment 21
Stamp duty $12,850.00 Payment 22
Transfer fee $1,657.00 Payment 23
Government fee $192.00 Payment 24
LMI $11,951.62 Payment 25
Payment 26
Total upfront cost $14,699.00 Payment 27
Cost added to loan $11,951.62 Payment 28
Total additional cost $26,650.62 Payment 29
Payment 30
Stamp duty Payment 31
4.5 for everyone 100 over 540k Payment 32
range start $540,000.00 Payment 33
All pay $10,150.00 Payment 34
amount above $60,000.00 Payment 35
Stamp duty $12,850.00 Payment 36
Payment 37
Payment 38
Transfer fee Payment 39
187+35 for every 10000 over 180000 Payment 40
range start $180,000.00 Payment 41
All pay $187.00 Payment 42
amount above $420,000.00 Payment 43
Transfer fee $1,657.00 Payment 44
Payment 45
LMI Payment 46
Row ref number 11 Payment 47
Column ref # 7 Payment 48
Amount payable 2.01% Payment 49
Amount payable $10,964.79 Payment 50
Stamp duty % 9.00% Payment 51
Stamp duty $ $986.83 Payment 52
Or - amount payable $21,311.36 Payment 53
LMI% (back calc) 3.91% Payment 54
includes stamp duty^ Payment 55
Payment 56
LMI $11,951.62 Payment 57
Payment 58
Paying rent Payment 59
Payment 60
Weekly $750 Payment 61
Monthly $3,250 Payment 62
Yearly $39,000 Payment 63
Payment 64
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Payment 66
Loan period caculator Payment 67
Type Period # payments Payment 68
Weekly 52 780 Payment 69
Fortnightly 26 390 Payment 70
Monthly 12 180 Payment 71
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2 3 4 5 6
Amount paid Interest paid Principal loan paid New Principal balance
12 $46,727.50 $1,513.66 $2,380.30 $516,587.86
24 $93,454.99 $1,429.00 $2,464.96 $487,476.90
36 $140,182.49 $1,341.33 $2,552.63 $457,330.55
48 $186,909.99 $1,250.54 $2,643.42 $426,111.99
60 $233,637.48 $1,156.52 $2,737.44 $393,783.07
72 $280,364.98 $1,059.16 $2,834.80 $360,304.32
84 $327,092.48 $958.33 $2,935.63 $325,634.82
96 $373,819.97 $853.92 $3,040.04 $289,732.24
108 $420,547.47 $745.79 $3,148.16 $252,552.72
120 $467,274.97 $633.82 $3,260.13 $214,050.83
132 $514,002.46 $517.87 $3,376.09 $174,179.54
144 $560,729.96 $397.79 $3,496.16 $132,890.16
156 $607,457.46 $273.45 $3,620.51 $90,132.24
168 $654,184.95 $144.67 $3,749.28 $45,853.55
180 $700,912.45 $11.32 $3,882.63 $0.00
Column1 Amount paid Interest paid Principal loan paid New Principal balance
Cumulative principal paid Cumulative Interest paid LMI payed Accumative LMI Payed
LMI Balance
s principle balance paid. i.e when you sell for same price, this is refunded to you
16 17 18 19 20
Money back each Difference Difference per person Net gain Amount paid each
$28,111.14 $5,684.64 $5,684.64 $5,684.64 $9,345.50
$57,222.10 $27,068.11 $27,068.11 $21,383.47 $18,691.00
$87,368.45 $49,486.96 $49,486.96 $22,418.85 $28,036.50
$118,587.01 $72,978.03 $72,978.03 $23,491.07 $37,382.00
$150,915.93 $97,579.45 $97,579.45 $24,601.42 $46,727.50
$184,394.68 $123,330.70 $123,330.70 $25,751.26 $56,073.00
$219,064.18 $150,272.70 $150,272.70 $26,942.00 $65,418.50
$254,966.76 $178,447.78 $178,447.78 $28,175.08 $74,763.99
$292,146.28 $207,899.81 $207,899.81 $29,452.03 $84,109.49
$330,648.17 $238,674.21 $238,674.21 $30,774.39 $93,454.99
$370,519.46 $270,817.99 $270,817.99 $32,143.79 $102,800.49
$411,808.84 $304,379.88 $304,379.88 $33,561.89 $112,145.99
$454,566.76 $339,410.31 $339,410.31 $35,030.42 $121,491.49
$498,845.45 $375,961.50 $375,961.50 $36,551.19 $130,836.99
$544,699.00 $414,087.55 $414,087.55 $38,126.05 $140,182.49
Difference FORBES Difference everyone else
$20,801.95
1 2 3
1 80.00% 81.00%
2 81.01% 82.00%
3 82.01% 83.00%
4 83.01% 84.00%
5 84.01% 85.00%
6 85.01% 86.00%
7 86.01% 87.00%
8 87.01% 88.00%
9 88.01% 89.00%
10 89.01% 90.00%
11 90.01% 91.00%
12 91.01% 92.00%
13 92.01% 93.00%
14 93.01% 94.00%
15 94.01% 95.00%
1 12
2 24
3 36
4 48
5 60
6 72
7 84
8 96
9 108
10 120
11 132
12 144
13 156
14 168
15 180
4 5 6 7 8 9
Up to $300,001K $500.001K $600,001K $750,001 –
LVR
$300K – $500K – $600K – $750K $1M
80.01 –
0.48% 0.57% 0.90% 0.90% 0.91% 5 $0.00
81% ###
81.01 –
0.49% 0.57% 0.90% 0.90% 0.91% 6
82% ### ###
82.01 –
0.60% 0.70% 0.93% 1.09% 1.11% 7
83% ### ###
83.01 –
0.66% 0.83% 0.96% 1.09% 1.15% 8
84% ### ###
84.01 –
0.73% 0.97% 1.17% 1.33% 1.41% 9
85% ### ###
85.01 –
0.88% 1.08% 1.26% 1.41% 1.46%
86%
86.01 –
0.93% 1.15% 1.41% 1.63% 1.73%
87%
87.01 –
1.06% 1.31% 1.46% 1.63% 1.75%
88%
88.01 –
1.30% 1.62% 1.95% 2.22% 2.40%
89%
90.01 –
2.01% 2.62% 3.51% 3.78% 3.82%
91% 1
91.01 –
2.01% 2.67% 3.57% 3.87% 3.93%
92% 7
92.01 –
2.33% 3.03% 3.80% 4.08% 4.16%
93% 1
93.01 –
2.38% 3.03% 3.80% 4.29% 4.32%
94% 1
94.01 – 95% 2.61% 3.35% 4.00% 4.61% 4.60%
House price $600,000 1
Deposit $70,000 Year
Deposit less fees $55,301.00 1
2
3
Loan Amount $544,699.00 4
Loan Interest 3.50% 5
Loan period (years) 1500.00% 6
Loan period type Monthly 7
Periods per year $12.00 8
Number periods $180.00 9
Upfront costs $14,699.00 10
Loan Repayment $3,893.96 11
LVR 90.78% 12
# people in deal 2.225 13
Payment each $1,750.09 14
Weekly each 403.867732467159 15
LMI % of Loan $0.02 <- cover by others
# different rates 1
1st Loan rate $3,893.96
1st load period (years) 3
Value for calc 36
Amount paid total $52,814.04
Payment 13
Payment 14
Payment 15
Payment 16
Payment 17
Payment 18
Payment 19
Payment 20
Buying Fixed costs Payment 21
Stamp duty $12,850.00 Payment 22
Transfer fee $1,657.00 Payment 23
Government fee $192.00 Payment 24
LMI $11,951.62 Payment 25
Payment 26
Total upfront cost $14,699.00 Payment 27
Cost added to loan $11,951.62 Payment 28
Total additional cost $26,650.62 Payment 29
Payment 30
Stamp duty Payment 31
4.5 for everyone 100 over 540k Payment 32
range start $540,000.00 Payment 33
All pay $10,150.00 Payment 34
amount above $60,000.00 Payment 35
Stamp duty $12,850.00 Payment 36
Payment 37
Payment 38
Transfer fee Payment 39
187+35 for every 10000 over 180000 Payment 40
range start $180,000.00 Payment 41
All pay $187.00 Payment 42
amount above $420,000.00 Payment 43
Transfer fee $1,657.00 Payment 44
Payment 45
LMI Payment 46
Row ref number 11 Payment 47
Column ref # 7 Payment 48
Amount payable 2.01% Payment 49
Amount payable $10,964.79 Payment 50
Stamp duty % 9.00% Payment 51
Stamp duty $ $986.83 Payment 52
Or - amount payable $21,311.36 Payment 53
LMI% (back calc) 3.91% Payment 54
includes stamp duty^ Payment 55
Payment 56
LMI $11,951.62 Payment 57
Payment 58
Paying rent Payment 59
Payment 60
Weekly $750 Payment 61
Monthly $3,250 Payment 62
Yearly $39,000 Payment 63
Payment 64
Payment 65
Payment 66
Loan period caculator Payment 67
Type Period # payments Payment 68
Weekly 52 780 Payment 69
Fortnightly 26 390 Payment 70
Monthly 12 180 Payment 71
Payment 72
Payment 73
Payment 74
Payment 75
Payment 76
Payment 77
Payment 78
Payment 79
Payment 80
Payment 81
Payment 82
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Payment 84
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Payment 91
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Payment 98
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Payment 100
Payment 101
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Payment 105
Payment 106
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Payment 110
Payment 111
Payment 112
Payment 113
Payment 114
Payment 115
Payment 116
Payment 117
Payment 118
Payment 119
Payment 120
Payment 121
Payment 122
Payment 123
Payment 124
Payment 125
Payment 126
Payment 127
Payment 128
Payment 129
Payment 130
Payment 131
Payment 132
Payment 133
Payment 134
Payment 135
Payment 136
Payment 137
Payment 138
Payment 139
Payment 140
Payment 141
Payment 142
Payment 143
Payment 144
Payment 145
Payment 146
Payment 147
Payment 148
Payment 149
Payment 150
Payment 151
Payment 152
Payment 153
Payment 154
Payment 155
Payment 156
Payment 157
Payment 158
Payment 159
Payment 160
Payment 161
Payment 162
Payment 163
Payment 164
Payment 165
Payment 166
Payment 167
Payment 168
Payment 169
Payment 170
Payment 171
Payment 172
Payment 173
Payment 174
Payment 175
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Payment 177
Payment 178
Payment 179
Payment 180
Payment 181
Payment 182
Payment 183
Payment 184
Payment 185
Payment 186
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Payment 188
Payment 189
Payment 190
Payment 191
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Payment 194
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Payment 196
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Payment 198
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Payment 200
Payment 201
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Payment 221
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Payment 223
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Payment 680
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Payment 700
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Payment 713
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Payment 800
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Payment 850
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Payment 888
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Payment 900
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Payment 911
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Payment 921
Payment 922
Payment 923
Payment 924
Payment 925
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Payment 928
Payment 929
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Payment 933
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Payment 938
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Payment 946
Payment 947
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Payment 949
Payment 950
Payment 951
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Payment 954
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Payment 956
Payment 957
Payment 958
Payment 959
Payment 960
Payment 961
Payment 962
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Payment 964
Payment 965
Payment 966
Payment 967
Payment 968
Payment 969
Payment 970
Payment 971
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Payment 973
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Payment 975
Payment 976
Payment 977
Payment 978
Payment 979
Payment 980
Payment 981
Payment 982
Payment 983
Payment 984
Payment 985
Payment 986
Payment 987
Payment 988
Payment 989
Payment 990
Payment 991
Payment 992
Payment 993
Payment 994
Payment 995
Payment 996
Payment 997
Payment 998
Payment 999
Payment 1000
Payment 1001
Payment 1002
Payment 1003
Payment 1004
Payment 1005
Payment 1006
Payment 1007
Payment 1008
Payment 1009
Payment 1010
Payment 1011
Payment 1012
Payment 1013
Payment 1014
Payment 1015
Payment 1016
Payment 1017
Payment 1018
Payment 1019
Payment 1020
Payment 1021
Payment 1022
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Payment 1024
Payment 1025
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Payment 1050
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Payment 1053
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Payment 1075
Payment 1076
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Payment 1079
Payment 1080
Payment 1081
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Payment 1089
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Payment 1091
Payment 1092
Payment 1093
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Payment 1099
Payment 1100
Payment 1101
Payment 1102
Payment 1103
Payment 1104
Payment 1105
Payment 1106
Payment 1107
Payment 1108
Payment 1109
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Payment 1111
Payment 1112
Payment 1113
Payment 1114
Payment 1115
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Payment 1117
Payment 1118
Payment 1119
Payment 1120
Payment 1121
Payment 1122
Payment 1123
Payment 1124
Payment 1125
Payment 1126
Payment 1127
Payment 1128
Payment 1129
Payment 1130
Payment 1131
Payment 1132
Payment 1133
Payment 1134
Payment 1135
Payment 1136
Payment 1137
Payment 1138
Payment 1139
Payment 1140
Payment 1141
Payment 1142
Payment 1143
Payment 1144
Payment 1145
Payment 1146
Payment 1147
Payment 1148
Payment 1149
Payment 1150
Payment 1151
Payment 1152
Payment 1153
Payment 1154
Payment 1155
Payment 1156
Payment 1157
Payment 1158
Payment 1159
Payment 1160
Payment 1161
Payment 1162
Payment 1163
Payment 1164
Payment 1165
Payment 1166
Payment 1167
Payment 1168
Payment 1169
Payment 1170
Payment 1171
Payment 1172
Payment 1173
Payment 1174
Payment 1175
Payment 1176
Payment 1177
Payment 1178
Payment 1179
Payment 1180
Payment 1181
Payment 1182
Payment 1183
Payment 1184
Payment 1185
Payment 1186
Payment 1187
Payment 1188
Payment 1189
Payment 1190
Payment 1191
Payment 1192
Payment 1193
Payment 1194
Payment 1195
Payment 1196
Payment 1197
Payment 1198
Payment 1199
Payment 1200
Payment 1201
Payment 1202
Payment 1203
Payment 1204
Payment 1205
Payment 1206
Payment 1207
Payment 1208
Payment 1209
Payment 1210
Payment 1211
Payment 1212
Payment 1213
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Payment 1216
Payment 1217
Payment 1218
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Payment 1220
Payment 1221
Payment 1222
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Payment 1239
Payment 1240
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Payment 1243
Payment 1244
Payment 1245
Payment 1246
Payment 1247
Payment 1248
Payment 1249
Payment 1250
Payment 1251
Payment 1252
Payment 1253
Payment 1254
Payment 1255
Payment 1256
Payment 1257
Payment 1258
Payment 1259
Payment 1260
Payment 1261
Payment 1262
Payment 1263
Payment 1264
Payment 1265
Payment 1266
Payment 1267
Payment 1268
Payment 1269
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Payment 1277
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Payment 1285
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Payment 1300
Payment 1301
Payment 1302
Payment 1303
Payment 1304
Payment 1305
Payment 1306
Payment 1307
Payment 1308
Payment 1309
Payment 1310
Payment 1311
2 3 4 5 6
Amount paid Interest paid Principal loan paid New Principal balance
12 $46,727.50 $1,513.66 $2,380.30 $516,587.86
24 $93,454.99 $1,429.00 $2,464.96 $487,476.90
36 $140,182.49 $1,341.33 $2,552.63 $457,330.55
48 $186,909.99 $1,250.54 $2,643.42 $426,111.99
60 $233,637.48 $1,156.52 $2,737.44 $393,783.07
72 $280,364.98 $1,059.16 $2,834.80 $360,304.32
84 $327,092.48 $958.33 $2,935.63 $325,634.82
96 $373,819.97 $853.92 $3,040.04 $289,732.24
108 $420,547.47 $745.79 $3,148.16 $252,552.72
120 $467,274.97 $633.82 $3,260.13 $214,050.83
132 $514,002.46 $517.87 $3,376.09 $174,179.54
144 $560,729.96 $397.79 $3,496.16 $132,890.16
156 $607,457.46 $273.45 $3,620.51 $90,132.24
168 $654,184.95 $144.67 $3,749.28 $45,853.55
180 $700,912.45 $11.32 $3,882.63 $0.00
Column1 Amount paid Interest paid Principal loan paid New Principal balance
Cumulative principal paid Cumulative Interest paid LMI payed Accumative LMI Payed
LMI Balance
s principle balance paid. i.e when you sell for same price, this is refunded to you
16 17 18 19 20
Money back each Difference Difference per person Net gain Amount paid each
$12,634.22 $5,684.64 $2,554.89 $5,684.64 $9,345.50
$25,717.80 $27,068.11 $12,165.44 $21,383.47 $18,691.00
$39,266.72 $49,486.96 $22,241.33 $22,418.85 $28,036.50
$53,297.53 $72,978.03 $32,799.11 $23,491.07 $37,382.00
$67,827.38 $97,579.45 $43,855.93 $24,601.42 $46,727.50
$82,874.02 $123,330.70 $55,429.53 $25,751.26 $56,073.00
$98,455.81 $150,272.70 $67,538.29 $26,942.00 $65,418.50
$114,591.80 $178,447.78 $80,201.25 $28,175.08 $74,763.99
$131,301.70 $207,899.81 $93,438.12 $29,452.03 $84,109.49
$148,605.92 $238,674.21 $107,269.31 $30,774.39 $93,454.99
$166,525.60 $270,817.99 $121,715.95 $32,143.79 $102,800.49
$185,082.62 $304,379.88 $136,799.95 $33,561.89 $112,145.99
$204,299.67 $339,410.31 $152,543.96 $35,030.42 $121,491.49
$224,200.20 $375,961.50 $168,971.46 $36,551.19 $130,836.99
$244,808.54 $414,087.55 $186,106.76 $38,126.05 $140,182.49
Difference FORBES Difference everyone else
$9,349.19
1 2 3
1 80.00% 81.00%
2 81.01% 82.00%
3 82.01% 83.00%
4 83.01% 84.00%
5 84.01% 85.00%
6 85.01% 86.00%
7 86.01% 87.00%
8 87.01% 88.00%
9 88.01% 89.00%
10 89.01% 90.00%
11 90.01% 91.00%
12 91.01% 92.00%
13 92.01% 93.00%
14 93.01% 94.00%
15 94.01% 95.00%
1 12
2 24
3 36
4 48
5 60
6 72
7 84
8 96
9 108
10 120
11 132
12 144
13 156
14 168
15 180
4 5 6 7 8 9
Up to $300,001K $500.001K $600,001K $750,001 –
LVR
$300K – $500K – $600K – $750K $1M
80.01 –
0.48% 0.57% 0.90% 0.90% 0.91% 5 $0.00
81% ###
81.01 –
0.49% 0.57% 0.90% 0.90% 0.91% 6
82% ### ###
82.01 –
0.60% 0.70% 0.93% 1.09% 1.11% 7
83% ### ###
83.01 –
0.66% 0.83% 0.96% 1.09% 1.15% 8
84% ### ###
84.01 –
0.73% 0.97% 1.17% 1.33% 1.41% 9
85% ### ###
85.01 –
0.88% 1.08% 1.26% 1.41% 1.46%
86%
86.01 –
0.93% 1.15% 1.41% 1.63% 1.73%
87%
87.01 –
1.06% 1.31% 1.46% 1.63% 1.75%
88%
88.01 –
1.30% 1.62% 1.95% 2.22% 2.40%
89%
90.01 –
2.01% 2.62% 3.51% 3.78% 3.82%
91% 1
91.01 –
2.01% 2.67% 3.57% 3.87% 3.93%
92% 7
92.01 –
2.33% 3.03% 3.80% 4.08% 4.16%
93% 1
93.01 –
2.38% 3.03% 3.80% 4.29% 4.32%
94% 1
94.01 – 95% 2.61% 3.35% 4.00% 4.61% 4.60%
House price $600,000 1
Deposit $70,000 Year
Deposit less fees $55,301.00 1
2
3
Loan Amount $544,699.00 4
Loan Interest 3.50% 5
Loan period (years) 1500.00% 6
Loan period type Monthly 7
Periods per year 12 8
Number periods 180 9
Upfront costs $14,699.00 10
Loan Repayment $3,893.96 11
LVR 90.78% 12
# people in deal 4 13
Payment each $973.49 14
Weekly each 224.651426184857 15
LMI % of Loan 2.19% <- cover by others
# different rates 1
1st Loan rate $3,893.96
1st load period (years) 3
Value for calc 36
Amount paid total $52,814.04
Payment 13
Payment 14
Payment 15
Payment 16
Payment 17
Payment 18
Payment 19
Payment 20
Buying Fixed costs Payment 21
Stamp duty $12,850.00 Payment 22
Transfer fee $1,657.00 Payment 23
Government fee $192.00 Payment 24
LMI $11,951.62 Payment 25
Payment 26
Total upfront cost $14,699.00 Payment 27
Cost added to loan $11,951.62 Payment 28
Total additional cost $26,650.62 Payment 29
Payment 30
Stamp duty Payment 31
4.5 for everyone 100 over 540k Payment 32
range start $540,000.00 Payment 33
All pay $10,150.00 Payment 34
amount above $60,000.00 Payment 35
Stamp duty $12,850.00 Payment 36
Payment 37
Payment 38
Transfer fee Payment 39
187+35 for every 10000 over 180000 Payment 40
range start $180,000.00 Payment 41
All pay $187.00 Payment 42
amount above $420,000.00 Payment 43
Transfer fee $1,657.00 Payment 44
Payment 45
LMI Payment 46
Row ref number 11 Payment 47
Column ref # 7 Payment 48
Amount payable 2.01% Payment 49
Amount payable $10,964.79 Payment 50
Stamp duty % 9.00% Payment 51
Stamp duty $ $986.83 Payment 52
Or - amount payable $21,311.36 Payment 53
LMI% (back calc) 3.91% Payment 54
includes stamp duty^ Payment 55
Payment 56
LMI $11,951.62 Payment 57
Payment 58
Paying rent Payment 59
Payment 60
Weekly $750 Payment 61
Monthly $3,250 Payment 62
Yearly $39,000 Payment 63
Payment 64
Payment 65
Payment 66
Loan period caculator Payment 67
Type Period # payments Payment 68
Weekly 52 780 Payment 69
Fortnightly 26 390 Payment 70
Monthly 12 180 Payment 71
Payment 72
Payment 73
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Payment 999
Payment 1000
Payment 1001
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Payment 1010
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Payment 1119
Payment 1120
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Payment 1123
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Payment 1126
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Payment 1128
Payment 1129
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Payment 1140
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Payment 1149
Payment 1150
Payment 1151
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Payment 1159
Payment 1160
Payment 1161
Payment 1162
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Payment 1166
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Payment 1168
Payment 1169
Payment 1170
Payment 1171
Payment 1172
Payment 1173
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Payment 1175
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Payment 1177
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Payment 1179
Payment 1180
Payment 1181
Payment 1182
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Payment 1188
Payment 1189
Payment 1190
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Payment 1199
Payment 1200
Payment 1201
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Payment 1250
Payment 1251
Payment 1252
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Payment 1254
Payment 1255
Payment 1256
Payment 1257
Payment 1258
Payment 1259
Payment 1260
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Payment 1301
Payment 1302
Payment 1303
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Payment 1309
Payment 1310
Payment 1311
2 3 4 5 6
Amount paid Interest paid Principal loan paid New Principal balance
12 $46,727.50 $1,513.66 $2,380.30 $516,587.86
24 $93,454.99 $1,429.00 $2,464.96 $487,476.90
36 $140,182.49 $1,341.33 $2,552.63 $457,330.55
48 $186,909.99 $1,250.54 $2,643.42 $426,111.99
60 $233,637.48 $1,156.52 $2,737.44 $393,783.07
72 $280,364.98 $1,059.16 $2,834.80 $360,304.32
84 $327,092.48 $958.33 $2,935.63 $325,634.82
96 $373,819.97 $853.92 $3,040.04 $289,732.24
108 $420,547.47 $745.79 $3,148.16 $252,552.72
120 $467,274.97 $633.82 $3,260.13 $214,050.83
132 $514,002.46 $517.87 $3,376.09 $174,179.54
144 $560,729.96 $397.79 $3,496.16 $132,890.16
156 $607,457.46 $273.45 $3,620.51 $90,132.24
168 $654,184.95 $144.67 $3,749.28 $45,853.55
180 $700,912.45 $11.32 $3,882.63 $0.00
Column1 Amount paid Interest paid Principal loan paid New Principal balance
Cumulative principal paid Cumulative Interest paid LMI payed Accumative LMI Payed
LMI Balance
s principle balance paid. i.e when you sell for same price, this is refunded to you
16 17 18 19 20
Money back each Difference Difference per person Net gain Amount paid each
$7,027.78 $5,684.64 $1,421.16 $5,684.64 $9,345.50
$14,305.52 $27,068.11 $6,767.03 $21,383.47 $18,691.00
$21,842.11 $49,486.96 $12,371.74 $22,418.85 $28,036.50
$29,646.75 $72,978.03 $18,244.51 $23,491.07 $37,382.00
$37,728.98 $97,579.45 $24,394.86 $24,601.42 $46,727.50
$46,098.67 $123,330.70 $30,832.68 $25,751.26 $56,073.00
$54,766.04 $150,272.70 $37,568.18 $26,942.00 $65,418.50
$63,741.69 $178,447.78 $44,611.95 $28,175.08 $74,763.99
$73,036.57 $207,899.81 $51,974.95 $29,452.03 $84,109.49
$82,662.04 $238,674.21 $59,668.55 $30,774.39 $93,454.99
$92,629.86 $270,817.99 $67,704.50 $32,143.79 $102,800.49
$102,952.21 $304,379.88 $76,094.97 $33,561.89 $112,145.99
$113,641.69 $339,410.31 $84,852.58 $35,030.42 $121,491.49
$124,711.36 $375,961.50 $93,990.37 $36,551.19 $130,836.99
$136,174.75 $414,087.55 $103,521.89 $38,126.05 $140,182.49
Difference FORBES Difference everyone else
$5,200.49
1 2 3
1 80.00% 81.00%
2 81.01% 82.00%
3 82.01% 83.00%
4 83.01% 84.00%
5 84.01% 85.00%
6 85.01% 86.00%
7 86.01% 87.00%
8 87.01% 88.00%
9 88.01% 89.00%
10 89.01% 90.00%
11 90.01% 91.00%
12 91.01% 92.00%
13 92.01% 93.00%
14 93.01% 94.00%
15 94.01% 95.00%
1 12
2 24
3 36
4 48
5 60
6 72
7 84
8 96
9 108
10 120
11 132
12 144
13 156
14 168
15 180
4 5 6 7 8 9
Up to $300,001K $500.001K $600,001K $750,001 –
LVR
$300K – $500K – $600K – $750K $1M
80.01 –
0.48% 0.57% 0.90% 0.90% 0.91% 5 $0.00
81% ###
81.01 –
0.49% 0.57% 0.90% 0.90% 0.91% 6
82% ### ###
82.01 –
0.60% 0.70% 0.93% 1.09% 1.11% 7
83% ### ###
83.01 –
0.66% 0.83% 0.96% 1.09% 1.15% 8
84% ### ###
84.01 –
0.73% 0.97% 1.17% 1.33% 1.41% 9
85% ### ###
85.01 –
0.88% 1.08% 1.26% 1.41% 1.46%
86%
86.01 –
0.93% 1.15% 1.41% 1.63% 1.73%
87%
87.01 –
1.06% 1.31% 1.46% 1.63% 1.75%
88%
88.01 –
1.30% 1.62% 1.95% 2.22% 2.40%
89%
90.01 –
2.01% 2.62% 3.51% 3.78% 3.82%
91% 1
91.01 –
2.01% 2.67% 3.57% 3.87% 3.93%
92% 7
92.01 –
2.33% 3.03% 3.80% 4.08% 4.16%
93% 1
93.01 –
2.38% 3.03% 3.80% 4.29% 4.32%
94% 1
94.01 – 95% 2.61% 3.35% 4.00% 4.61% 4.60%
House price $600,000 1
Deposit $70,000 Year
Deposit less fees $55,301.00 1
2
3
Loan Amount $544,699.00 4
Loan Interest 3.50% 5
Loan period (years) $15.00 6
Loan period type Monthly 7
Periods per year 12 8
Number periods 180 9
Upfront costs $14,699.00 10
Loan Repayment $3,893.96 11
LVR 90.78% 12
# people in deal 4 13
Payment each $973.49 14
Weekly each 224.651426184857 15
LMI % of Loan 2.19% <- cover by others
# different rates 1
1st Loan rate $3,893.96
1st load period (years) 3
Value for calc 36
Amount paid total $52,814.04
Payment 13
Payment 14
Payment 15
Payment 16
Payment 17
Payment 18
Payment 19
Payment 20
Buying Fixed costs Payment 21
Stamp duty $12,850.00 Payment 22
Transfer fee $1,657.00 Payment 23
Government fee $192.00 Payment 24
LMI $11,951.62 Payment 25
Payment 26
Total upfront cost $14,699.00 Payment 27
Cost added to loan $11,951.62 Payment 28
Total additional cost $26,650.62 Payment 29
Payment 30
Stamp duty Payment 31
4.5 for everyone 100 over 540k Payment 32
range start $540,000.00 Payment 33
All pay $10,150.00 Payment 34
amount above $60,000.00 Payment 35
Stamp duty $12,850.00 Payment 36
Payment 37
Payment 38
Transfer fee Payment 39
187+35 for every 10000 over 180000 Payment 40
range start $180,000.00 Payment 41
All pay $187.00 Payment 42
amount above $420,000.00 Payment 43
Transfer fee $1,657.00 Payment 44
Payment 45
LMI Payment 46
Row ref number 11 Payment 47
Column ref # 7 Payment 48
Amount payable 2.01% Payment 49
Amount payable $10,964.79 Payment 50
Stamp duty % 9.00% Payment 51
Stamp duty $ $986.83 Payment 52
Or - amount payable $21,311.36 Payment 53
LMI% (back calc) 3.91% Payment 54
includes stamp duty^ Payment 55
Payment 56
LMI $11,951.62 Payment 57
Payment 58
Paying rent Payment 59
Payment 60
Weekly $750 Payment 61
Monthly $3,250 Payment 62
Yearly $39,000 Payment 63
Payment 64
Payment 65
Payment 66
Loan period caculator Payment 67
Type Period # payments Payment 68
Weekly 52 780 Payment 69
Fortnightly 26 390 Payment 70
Monthly 12 180 Payment 71
Payment 72
Payment 73
Payment 74
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Payment 978
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Payment 999
Payment 1000
Payment 1001
Payment 1002
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Payment 1010
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Payment 1119
Payment 1120
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Payment 1123
Payment 1124
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Payment 1126
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Payment 1128
Payment 1129
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Payment 1140
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Payment 1147
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Payment 1149
Payment 1150
Payment 1151
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Payment 1153
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Payment 1155
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Payment 1157
Payment 1158
Payment 1159
Payment 1160
Payment 1161
Payment 1162
Payment 1163
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Payment 1165
Payment 1166
Payment 1167
Payment 1168
Payment 1169
Payment 1170
Payment 1171
Payment 1172
Payment 1173
Payment 1174
Payment 1175
Payment 1176
Payment 1177
Payment 1178
Payment 1179
Payment 1180
Payment 1181
Payment 1182
Payment 1183
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Payment 1186
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Payment 1188
Payment 1189
Payment 1190
Payment 1191
Payment 1192
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Payment 1199
Payment 1200
Payment 1201
Payment 1202
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Payment 1249
Payment 1250
Payment 1251
Payment 1252
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Payment 1254
Payment 1255
Payment 1256
Payment 1257
Payment 1258
Payment 1259
Payment 1260
Payment 1261
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Payment 1301
Payment 1302
Payment 1303
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Payment 1306
Payment 1307
Payment 1308
Payment 1309
Payment 1310
Payment 1311
2 3 4 5 6
Amount paid Interest paid Principal loan paid New Principal balance
12 $46,727.50 $1,513.66 $2,380.30 $516,587.86
24 $93,454.99 $1,429.00 $2,464.96 $487,476.90
36 $140,182.49 $1,341.33 $2,552.63 $457,330.55
48 $186,909.99 $1,250.54 $2,643.42 $426,111.99
60 $233,637.48 $1,156.52 $2,737.44 $393,783.07
72 $280,364.98 $1,059.16 $2,834.80 $360,304.32
84 $327,092.48 $958.33 $2,935.63 $325,634.82
96 $373,819.97 $853.92 $3,040.04 $289,732.24
108 $420,547.47 $745.79 $3,148.16 $252,552.72
120 $467,274.97 $633.82 $3,260.13 $214,050.83
132 $514,002.46 $517.87 $3,376.09 $174,179.54
144 $560,729.96 $397.79 $3,496.16 $132,890.16
156 $607,457.46 $273.45 $3,620.51 $90,132.24
168 $654,184.95 $144.67 $3,749.28 $45,853.55
180 $700,912.45 $11.32 $3,882.63 $0.00
Column1 Amount paid Interest paid Principal loan paid New Principal balance
Cumulative principal paid Cumulative Interest paid LMI payed Accumative LMI Payed
LMI Balance
s principle balance paid. i.e when you sell for same price, this is refunded to you
16 17 18 19 20
Money back each Difference Difference per person Net gain Amount paid each
$7,027.78 $5,684.64 $1,421.16 $5,684.64 $9,345.50
$14,305.52 $27,068.11 $6,767.03 $21,383.47 $18,691.00
$21,842.11 $49,486.96 $12,371.74 $22,418.85 $28,036.50
$29,646.75 $72,978.03 $18,244.51 $23,491.07 $37,382.00
$37,728.98 $97,579.45 $24,394.86 $24,601.42 $46,727.50
$46,098.67 $123,330.70 $30,832.68 $25,751.26 $56,073.00
$54,766.04 $150,272.70 $37,568.18 $26,942.00 $65,418.50
$63,741.69 $178,447.78 $44,611.95 $28,175.08 $74,763.99
$73,036.57 $207,899.81 $51,974.95 $29,452.03 $84,109.49
$82,662.04 $238,674.21 $59,668.55 $30,774.39 $93,454.99
$92,629.86 $270,817.99 $67,704.50 $32,143.79 $102,800.49
$102,952.21 $304,379.88 $76,094.97 $33,561.89 $112,145.99
$113,641.69 $339,410.31 $84,852.58 $35,030.42 $121,491.49
$124,711.36 $375,961.50 $93,990.37 $36,551.19 $130,836.99
$136,174.75 $414,087.55 $103,521.89 $38,126.05 $140,182.49
Difference FORBES Difference everyone else
$5,200.49
1 2 3
1 80.00% 81.00%
2 81.01% 82.00%
3 82.01% 83.00%
4 83.01% 84.00%
5 84.01% 85.00%
6 85.01% 86.00%
7 86.01% 87.00%
8 87.01% 88.00%
9 88.01% 89.00%
10 89.01% 90.00%
11 90.01% 91.00%
12 91.01% 92.00%
13 92.01% 93.00%
14 93.01% 94.00%
15 94.01% 95.00%
1 12
2 24
3 36
4 48
5 60
6 72
7 84
8 96
9 108
10 120
11 132
12 144
13 156
14 168
15 180
4 5 6 7 8 9
Up to $300,001K $500.001K $600,001K $750,001 –
LVR
$300K – $500K – $600K – $750K $1M
80.01 –
0.48% 0.57% 0.90% 0.90% 0.91% 5 $0.00
81% ###
81.01 –
0.49% 0.57% 0.90% 0.90% 0.91% 6
82% ### ###
82.01 –
0.60% 0.70% 0.93% 1.09% 1.11% 7
83% ### ###
83.01 –
0.66% 0.83% 0.96% 1.09% 1.15% 8
84% ### ###
84.01 –
0.73% 0.97% 1.17% 1.33% 1.41% 9
85% ### ###
85.01 –
0.88% 1.08% 1.26% 1.41% 1.46%
86%
86.01 –
0.93% 1.15% 1.41% 1.63% 1.73%
87%
87.01 –
1.06% 1.31% 1.46% 1.63% 1.75%
88%
88.01 –
1.30% 1.62% 1.95% 2.22% 2.40%
89%
90.01 –
2.01% 2.62% 3.51% 3.78% 3.82%
91% 1
91.01 –
2.01% 2.67% 3.57% 3.87% 3.93%
92% 7
92.01 –
2.33% 3.03% 3.80% 4.08% 4.16%
93% 1
93.01 –
2.38% 3.03% 3.80% 4.29% 4.32%
94% 1
94.01 – 95% 2.61% 3.35% 4.00% 4.61% 4.60%
House price $600,000 1
Deposit $70,000 Year
Deposit less fees $55,301.00 1
2
3
Loan Amount $544,699.00 4
Loan Interest 3.50% 5
Loan period (years) 1500.00% 6
Loan period type Monthly 7
Periods per year 12 8
Number periods 180 9
Upfront costs $14,699.00 10
Loan Repayment $3,893.96 11
LVR 90.78% 12
# people in deal 4 13
Payment each $973.49 14
Weekly each 224.651426184857 15
LMI % of Loan 2.19% <- cover by others
# different rates 1
1st Loan rate $3,893.96
1st load period (years) 3
Value for calc 36
Amount paid total $52,814.04
Payment 13
Payment 14
Payment 15
Payment 16
Payment 17
Payment 18
Payment 19
Payment 20
Buying Fixed costs Payment 21
Stamp duty $12,850.00 Payment 22
Transfer fee $1,657.00 Payment 23
Government fee $192.00 Payment 24
LMI $11,951.62 Payment 25
Payment 26
Total upfront cost $14,699.00 Payment 27
Cost added to loan $11,951.62 Payment 28
Total additional cost $26,650.62 Payment 29
Payment 30
Stamp duty Payment 31
4.5 for everyone 100 over 540k Payment 32
range start $540,000.00 Payment 33
All pay $10,150.00 Payment 34
amount above $60,000.00 Payment 35
Stamp duty $12,850.00 Payment 36
Payment 37
Payment 38
Transfer fee Payment 39
187+35 for every 10000 over 180000 Payment 40
range start $180,000.00 Payment 41
All pay $187.00 Payment 42
amount above $420,000.00 Payment 43
Transfer fee $1,657.00 Payment 44
Payment 45
LMI Payment 46
Row ref number 11 Payment 47
Column ref # 7 Payment 48
Amount payable 2.01% Payment 49
Amount payable $10,964.79 Payment 50
Stamp duty % 9.00% Payment 51
Stamp duty $ $986.83 Payment 52
Or - amount payable $21,311.36 Payment 53
LMI% (back calc) 3.91% Payment 54
includes stamp duty^ Payment 55
Payment 56
LMI $11,951.62 Payment 57
Payment 58
Paying rent Payment 59
Payment 60
Weekly $750 Payment 61
Monthly $3,250 Payment 62
Yearly $39,000 Payment 63
Payment 64
Payment 65
Payment 66
Loan period caculator Payment 67
Type Period # payments Payment 68
Weekly 52 780 Payment 69
Fortnightly 26 390 Payment 70
Monthly 12 180 Payment 71
Payment 72
Payment 73
Payment 74
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Payment 978
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Payment 999
Payment 1000
Payment 1001
Payment 1002
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Payment 1010
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Payment 1080
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Payment 1100
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Payment 1111
Payment 1112
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Payment 1119
Payment 1120
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Payment 1122
Payment 1123
Payment 1124
Payment 1125
Payment 1126
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Payment 1128
Payment 1129
Payment 1130
Payment 1131
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Payment 1139
Payment 1140
Payment 1141
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Payment 1146
Payment 1147
Payment 1148
Payment 1149
Payment 1150
Payment 1151
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Payment 1153
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Payment 1155
Payment 1156
Payment 1157
Payment 1158
Payment 1159
Payment 1160
Payment 1161
Payment 1162
Payment 1163
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Payment 1165
Payment 1166
Payment 1167
Payment 1168
Payment 1169
Payment 1170
Payment 1171
Payment 1172
Payment 1173
Payment 1174
Payment 1175
Payment 1176
Payment 1177
Payment 1178
Payment 1179
Payment 1180
Payment 1181
Payment 1182
Payment 1183
Payment 1184
Payment 1185
Payment 1186
Payment 1187
Payment 1188
Payment 1189
Payment 1190
Payment 1191
Payment 1192
Payment 1193
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Payment 1199
Payment 1200
Payment 1201
Payment 1202
Payment 1203
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Payment 1247
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Payment 1249
Payment 1250
Payment 1251
Payment 1252
Payment 1253
Payment 1254
Payment 1255
Payment 1256
Payment 1257
Payment 1258
Payment 1259
Payment 1260
Payment 1261
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Payment 1301
Payment 1302
Payment 1303
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Payment 1305
Payment 1306
Payment 1307
Payment 1308
Payment 1309
Payment 1310
Payment 1311
2 3 4 5 6
Amount paid Interest paid Principal loan paid New Principal balance
12 $46,727.50 $1,513.66 $2,380.30 $516,587.86
24 $93,454.99 $1,429.00 $2,464.96 $487,476.90
36 $140,182.49 $1,341.33 $2,552.63 $457,330.55
48 $186,909.99 $1,250.54 $2,643.42 $426,111.99
60 $233,637.48 $1,156.52 $2,737.44 $393,783.07
72 $280,364.98 $1,059.16 $2,834.80 $360,304.32
84 $327,092.48 $958.33 $2,935.63 $325,634.82
96 $373,819.97 $853.92 $3,040.04 $289,732.24
108 $420,547.47 $745.79 $3,148.16 $252,552.72
120 $467,274.97 $633.82 $3,260.13 $214,050.83
132 $514,002.46 $517.87 $3,376.09 $174,179.54
144 $560,729.96 $397.79 $3,496.16 $132,890.16
156 $607,457.46 $273.45 $3,620.51 $90,132.24
168 $654,184.95 $144.67 $3,749.28 $45,853.55
180 $700,912.45 $11.32 $3,882.63 $0.00
Column1 Amount paid Interest paid Principal loan paid New Principal balance
Cumulative principal paid Cumulative Interest paid LMI payed Accumative LMI Payed
LMI Balance
s principle balance paid. i.e when you sell for same price, this is refunded to you
16 17 18 19 20
Money back each Difference Difference per person Net gain Amount paid each
$7,027.78 $5,684.64 $1,421.16 $5,684.64 $9,345.50
$14,305.52 $27,068.11 $6,767.03 $21,383.47 $18,691.00
$21,842.11 $49,486.96 $12,371.74 $22,418.85 $28,036.50
$29,646.75 $72,978.03 $18,244.51 $23,491.07 $37,382.00
$37,728.98 $97,579.45 $24,394.86 $24,601.42 $46,727.50
$46,098.67 $123,330.70 $30,832.68 $25,751.26 $56,073.00
$54,766.04 $150,272.70 $37,568.18 $26,942.00 $65,418.50
$63,741.69 $178,447.78 $44,611.95 $28,175.08 $74,763.99
$73,036.57 $207,899.81 $51,974.95 $29,452.03 $84,109.49
$82,662.04 $238,674.21 $59,668.55 $30,774.39 $93,454.99
$92,629.86 $270,817.99 $67,704.50 $32,143.79 $102,800.49
$102,952.21 $304,379.88 $76,094.97 $33,561.89 $112,145.99
$113,641.69 $339,410.31 $84,852.58 $35,030.42 $121,491.49
$124,711.36 $375,961.50 $93,990.37 $36,551.19 $130,836.99
$136,174.75 $414,087.55 $103,521.89 $38,126.05 $140,182.49
Difference FORBES Difference everyone else
$5,200.49
1 2 3
1 80.00% 81.00%
2 81.01% 82.00%
3 82.01% 83.00%
4 83.01% 84.00%
5 84.01% 85.00%
6 85.01% 86.00%
7 86.01% 87.00%
8 87.01% 88.00%
9 88.01% 89.00%
10 89.01% 90.00%
11 90.01% 91.00%
12 91.01% 92.00%
13 92.01% 93.00%
14 93.01% 94.00%
15 94.01% 95.00%
1 12
2 24
3 36
4 48
5 60
6 72
7 84
8 96
9 108
10 120
11 132
12 144
13 156
14 168
15 180
4 5 6 7 8 9
Up to $300,001K $500.001K $600,001K $750,001 –
LVR
$300K – $500K – $600K – $750K $1M
80.01 –
0.48% 0.57% 0.90% 0.90% 0.91% 5 $0.00
81% ###
81.01 –
0.49% 0.57% 0.90% 0.90% 0.91% 6
82% ### ###
82.01 –
0.60% 0.70% 0.93% 1.09% 1.11% 7
83% ### ###
83.01 –
0.66% 0.83% 0.96% 1.09% 1.15% 8
84% ### ###
84.01 –
0.73% 0.97% 1.17% 1.33% 1.41% 9
85% ### ###
85.01 –
0.88% 1.08% 1.26% 1.41% 1.46%
86%
86.01 –
0.93% 1.15% 1.41% 1.63% 1.73%
87%
87.01 –
1.06% 1.31% 1.46% 1.63% 1.75%
88%
88.01 –
1.30% 1.62% 1.95% 2.22% 2.40%
89%
90.01 –
2.01% 2.62% 3.51% 3.78% 3.82%
91% 1
91.01 –
2.01% 2.67% 3.57% 3.87% 3.93%
92% 7
92.01 –
2.33% 3.03% 3.80% 4.08% 4.16%
93% 1
93.01 –
2.38% 3.03% 3.80% 4.29% 4.32%
94% 1
94.01 – 95% 2.61% 3.35% 4.00% 4.61% 4.60%