Property_Investor_Products_Calculator_GPS_VB by fanzhongqing

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									                                                            Property Investor Products
                                                            Calculator - Vila Baia ONLY



Initial Purchase
Deal Basics - This outlines the valuation, the discount, the price you pay and the instant equity you make
         Ref           Property Type       Bank Valuation          Discount         Purchase Price Mortgage at 80%         Instant Equity       Surplus of
                          (Choose)          (Enter Value)                                               of Valuation                          Mortgage after
                                                                                                                                              purchase price
                           T2 Appt          € 450,000               8%              € 414,000             € 360,000           € 36,000           -€ 54,000

Purchasing Costs - All purchasing costs will be covered by the surplus of mortgage funds and the shortfall by the vendor
    IMT (Tax)           Stamp Duty                                                  Mortgage        Mortgage Stamp
                                            Registration        Notary Fee                                                  Legal Costs         Total fees
                                                                                   Registration            Duty
     € 22,408             € 3,312               € 250              € 250              € 250               € 2,160             € 2,000            € 30,630
                                                                                                                                    Deficit     -€ 84,630




Ongoing Costs/Income
Annual Costs - for the property, based on 2% interest only mortgage
                                           Annual Costs       Annual Costs
 Montly mortgage Annual mortgage          (Mg'mnt, Tax,      (Mg'mnt, Tax,                         Total annual costs Total annual costs
                                                                                    Insurance
interest payments interest payments Utilities, etc.)         Utilities, etc.)                      - OCEANICO rents - OWNER rents
                                        OCEANICO rents       OWNER rents
       € 600              € 7,200            € 10,869           € 8,491             Included              € 18,069            € 15,691

Annual Income - (This is the amount of rent you will receive less the marketing and or booking fees)
Note 1st Year:
First year carries a gross guaranteed rental income based on 4% of the net purchase price
First year rental income is paid quarterly in arrears
This is subject to 15% rental retention tax
A - If Oceânico Group markets and rents your property (incl laundry & cleaning) a 35% charge is levied
B - If you market your own property (must still be booked through Oceânico) then a 15% charge is levied

From year 2:
Income (This is an example of the amount of rent you will receive less the marketing and/or booking fees)
                    Annual income @                         Annual income @                        Annual income @                     Annual income @
 Annual income @                      Annual income @                           Annual income @                     Annual income @
                      14 weeks less                           16 weeks less                          18 weeks less                       20 weeks less
 14 weeks less full                   16 weeks less full                        18 weeks less full                  20 weeks less full
                     booking only fee                       booking only fee                       booking only fee                    booking only fee
 marketing fee of                      marketing fee of                        marketing only fee                   marketing fee of
                     of 15% + Maid &                        of 15% + Maid &                        of 15% + Maid &                     of 15% + Maid &
       35%                                    35%                                     of 35%                              35%
                         Laundry                                 Laundry                                Laundry                            Laundry
     € 20,538            € 20,538          € 22,904              € 22,904            € 24,388           € 24,388        € 25,872           € 25,872

Cash flow position (This represents the difference between your costs and annual income)
      € 2,469             € 4,847             € 4,835            € 7,213            € 6,319                € 8,697            € 7,803            € 10,181


Bottom line
Cost to buy                             €0
Instant equity                          € 36,000
Cash Flow position                      Favourable
Potential capital growth                Strong




    Properties
     T1 Appt
     T2 Appt
     T3 Appt
              Approximate Tax Costs


Property Deed Value                       414,000.00 €
Mortgage Value                            360,000.00 €

Deed Costs
IMT                                        22,408.00 €
Sale Stamp Duty                             3,312.00 €
Registration                                  250.00 €
Notary Fee                                    250.00 €
Mortgage reg                                  250.00 €
Legal representative                        2,000.00 €
Mortgage Stamp Duty                         2,160.00 €
                                           30,630.00 €


Vila Baia ONLY
Full Marketing, Booking, Maid & Laundry by Oceânico
Typical Annual                            Apartments
Ongoing Fees                   T1           T2              T3           Notes:
Withholding tax                 € 2,085        € 3,081           € 3,836 Based on 15% of the rental income - 14 weeks rental
Rental fees (R&L)               € 4,866        € 7,188           € 8,950 35% of rental income - 14 weeks rental (Reservatons, laundry & Maid, Marketing)
Electricity & Water               € 540          € 600             € 650 Estimate from R&L Dept.
                      Totals    € 7,491       € 10,869          € 13,436



Marketing by Owner, Booking by Oceânico, Maid & Laundry extra
Typical Annual                            Apartments
Ongoing Fees                   T1           T2              T3             Notes:
Withholding tax                 € 2,085        € 3,081           € 3,836   Based on 15% of the rental income - 14 weeks rental
Rental fees (R&L)               € 2,085        € 3,081           € 3,836   15% of rental income - 14 weeks rental
Maid and laundry                € 1,373        € 1,730           € 2,087   Estimate from R&L Owners Doc (Type B service)
Electricity & Water               € 540          € 600             € 650   Estimate from R&L Dept.
                      Totals    € 6,084        € 8,491          € 10,408
Vila Baia Rate Card
                            A            B           C             D             E
                          January November          April         June          July
                                   February         May
                         December   March          October     September      August
Vila Baia
T1 Apartment - Sleep 2    65.00         70.00      110.00        120.00       162.00
T2 Apartment - Sleep 4    98.00        106.00      160.00        178.00       240.00
T3 Apartment - Sleep 6    120.00       129.00      202.00        221.00       298.00

T1 Apartment                                                                              Totals
14 weeks                                            € 2,310        € 2,520     € 9,072    € 13,902   Based on 8 weeks (July & August), 3 weeks in June/Sept, 3 weeks May/Oct
16 weeks                                            € 3,080        € 3,360     € 9,072    € 15,512   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct
18 weeks                                   € 980    € 3,080        € 3,360     € 9,072    € 16,492   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 2 weeks Nov/Feb/Mc
20 weeks                                 € 1,960    € 3,080        € 3,360     € 9,072    € 17,472   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 4 weeks Nov/Feb/Mc
T2 Apartment
14 weeks                                            € 3,360        € 3,738    € 13,440    € 20,538   Based on 8 weeks (July & August), 3 weeks in June/Sept, 3 weeks May/Oct
16 weeks                                            € 4,480        € 4,984    € 13,440    € 22,904   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct
18 weeks                                 € 1,484    € 4,480        € 4,984    € 13,440    € 24,388   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 2 weeks Nov/Feb/Mc
20 weeks                                 € 2,968    € 4,480        € 4,984    € 13,440    € 25,872   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 4 weeks Nov/Feb/Mc
T3 Apartment
14 weeks                                            € 4,242        € 4,641    € 16,688    € 25,571   Based on 8 weeks (July & August), 3 weeks in June/Sept, 3 weeks May/Oct
16 weeks                                            € 5,656        € 6,188    € 16,688    € 28,532   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct
18 weeks                                 € 1,806    € 5,656        € 6,188    € 16,688    € 30,338   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 2 weeks Nov/Feb/Mc
20 weeks                                 € 3,612    € 5,656        € 6,188    € 16,688    € 32,144   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 4 weeks Nov/Feb/Mc




Average                              Apartments
Rental Income               T1           T2           T3      Notes:
14 weeks                  € 13,902      € 20,538   € 25,571   Based on 8 weeks (July & August), 3 weeks in June/Sept, 3 weeks May/Oct
16 weeks                  € 15,512      € 22,904   € 28,532   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct
18 weeks                  € 16,492      € 24,388   € 30,338   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 2 weeks Nov/Feb/Mch
20 weeks                  € 17,472      € 25,872   € 32,144   Based on 8 weeks (July & August), 4 weeks in June/Sept, 4 weeks May/Oct, 4 weeks Nov/Feb/Mch
/Oct, 2 weeks Nov/Feb/Mch
/Oct, 4 weeks Nov/Feb/Mch




/Oct, 2 weeks Nov/Feb/Mch
/Oct, 4 weeks Nov/Feb/Mch




/Oct, 2 weeks Nov/Feb/Mch
/Oct, 4 weeks Nov/Feb/Mch

								
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