Determining which loan options gives you the most savings is a difficult task for property investors, who often use simple factors such as the amount of monthly payments on each loan option to compare and determine which loan option is more feasible.
Smart Property Investment's loan comparison calculator allows two different loans options to be directly compared by letting you adjust the different variables affecting the loan. It indicates the total overall payments and savings one can earn.
...
Definitions:
Upfront fees
A portion of the total fee that a purchaser must pay aside from the loan.
Ongoing fees
Also called 'service' or 'administration' fees, charged every month or every year for administering your loan.
Introductory rate
The introductory interest rate offered as a special discount on your home loan for a set period of time at the beginning of your loan agreement.
Introductory term
The length of time the introductory interest rate is applied to your home loan at the beginning of your loan agreement.
Ongoing rate
The ongoing interest rate of the home loan that begins right after the introductory rate ends.
Loan amount
The total value of the loan applied for in a loan agreement.
Loan term
The number of years needed to repay the loan, as indicated in the loan agreement.
Initial per month
The initial value of the loan repayments to be made per month during the special interest discount rate period at the beginning of the loan.
Outgoing per month
The ongoing value of the loan repayments to be made per month during the normal interest rate period that occurs from the end of the special interest discount rate period until the end of the loan term.
Total payable
The total amount of loan repayments made, ascertained only when the loan is completed.
DISCLAIMER:
The information provided by this calculator is intended to provide an approximate estimate based on stated assumptions and inputs entered. For more information, read more on Copyright, Legal and Disclaimers.
- Tags:
- spi calculator
advice
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podcast
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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.
Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.
If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: Facebook, Twitter and LinkedIn.
If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!
RELATED AREAS OF INTEREST:
Do this one thing before you invest in a commercial SMSF property
Why is investing in commercial property in an SMSF so popular?
Premium property declines while affordable properties on the rise
AREAS MENTIONED:
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RELATED AREAS OF INTEREST:
Why I still buy in Sydney
Property market update: Sydney, July 2018
Sydney rental market slowing, latest research finds
AREAS MENTIONED:
Revesby
South Hurstville
Sans Souci
Strathfield
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RELATED AREAS OF INTEREST:
What makes a good investment suburb?
Two components of good investment research
How Greta purchased four properties in a year
AREAS MENTIONED:
Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview
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