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 €