Business Template - Property Loan 2

Commercial Property Loan For Loans where you have a schedule of advances and repayments -it's NOT for mortgages or loans that roll up interest. Base As Loan Dates You can insert extra rows , so long as you copy the formula down ACROSS the region where you inserted the rows. input a number of months for regular budget periods Start of Projection 1 Jan 05 Accruals (0) or Cash (1) 1 Cash Date Drawdowns From Interest Interest Rental From Rental (Repayments) Date Rate Periods (mm.dd) Periods (mm.dd) Date Growth 1 Feb 05 4,000,000 1 Jan 05 7.00% -1.01 +3.25 1 Jan 05 2.00% 1 Feb 06 4,000,000 4 Feb 10 8.00% -4.01 +6.24 1 Jan 07 3.00% -7.01 +9.29 -10.01 +12.25 in arrear, Jan 1 Apr 1 Jul 1 Oct 1 Arrangement Fee(s) 10,000 5,000 When paid 1 Feb 05 1 Apr 05 Final Repayment Date 1 Jan 17 Interest DayCount 3.00 Actual Days/365. Tenant A From Tenant B From Rental DayCount 6.03 Main Period:Actual/Actual (Within Period),Stub Periods:Actual Days/365.Rents £20.00 /sf 1 Jan 05 £20.00 /sf 1 Jan 05 £20.00 /sf 1 Jan 10 £20.00 /sf 1 Jan 10 ReletTerm 10 years Relet Rent Free 12 months Rev To Mkt 1 Jan 15 1 Jan 15 Relet Void 12 months Market £20.00 /sf £20.00 /sf Rental Discount on Review (0.00% ) Expiry Or Break 1 Jan 20 1 Jan 20 Months Between Reviews 60 months Area 10,000 sq ft 20,000 sq ft Loan Rental Income Interest Date Interest Principal Fees Total Closing Preceding Rental Date Tenant A Tenant B Total Cover Balance 1 Jan 05 25 Dec 04 45,479 90,959 136,438 1 Feb 05 4,000,000 10,000 4,010,000 4,000,000 25 Mar 05 1 Apr 05 (45,260) 5,000 (40,260) 4,000,000 25 Mar 05 50,000 100,000 150,000 (331.42% ) 1 Jul 05 (69,808) (69,808) 4,000,000 24 Jun 05 50,000 100,000 150,000 (214.87% ) 1 Oct 05 (70,575) (70,575) 4,000,000 29 Sep 05 50,000 100,000 150,000 (212.54% ) 1 Jan 06 (70,575) (70,575) 4,000,000 25 Dec 05 50,000 100,000 150,000 (212.54% ) 1 Feb 06 4,000,000 4,000,000 8,000,000 25 Mar 06 1 Apr 06 (114,301) (114,301) 8,000,000 25 Mar 06 50,000 100,000 150,000 (131.23% ) 1 Jul 06 (139,616) (139,616) 8,000,000 24 Jun 06 50,000 100,000 150,000 (107.44% ) 1 Oct 06 (141,151) (141,151) 8,000,000 29 Sep 06 50,000 100,000 150,000 (106.27% ) 1 Jan 07 (141,151) (141,151) 8,000,000 25 Dec 06 50,000 100,000 150,000 (106.27% ) 1 Apr 07 (138,082) (138,082) 8,000,000 25 Mar 07 50,000 100,000 150,000 (108.63% ) 1 Jul 07 (139,616) (139,616) 8,000,000 24 Jun 07 50,000 100,000 150,000 (107.44% ) 1 Oct 07 (141,151) (141,151) 8,000,000 29 Sep 07 50,000 100,000 150,000 (106.27% ) 1 Jan 08 (141,151) (141,151) 8,000,000 25 Dec 07 50,000 100,000 150,000 (106.27% ) 1 Apr 08 (139,616) (139,616) 8,000,000 25 Mar 08 50,000 100,000 150,000 (107.44% ) 1 Jul 08 (139,616) (139,616) 8,000,000 24 Jun 08 50,000 100,000 150,000 (107.44% ) 1 Oct 08 (141,151) (141,151) 8,000,000 29 Sep 08 50,000 100,000 150,000 (106.27% ) 1 Jan 09 (141,151) (141,151) 8,000,000 25 Dec 08 50,000 100,000 150,000 (106.27% ) 1 Apr 09 (138,082) (138,082) 8,000,000 25 Mar 09 50,000 100,000 150,000 (108.63% ) 1 Jul 09 (139,616) (139,616) 8,000,000 24 Jun 09 50,000 100,000 150,000 (107.44% ) 1 Oct 09 (141,151) (141,151) 8,000,000 29 Sep 09 50,000 100,000 150,000 (106.27% ) 1 Jan 10 (141,151) (141,151) 8,000,000 25 Dec 09 50,000 100,000 150,000 (106.27% ) 1 Apr 10 (150,356) (150,356) 8,000,000 25 Mar 10 50,000 100,000 150,000 (99.76% ) 1 Jul 10 (159,562) (159,562) 8,000,000 24 Jun 10 50,000 100,000 150,000 (94.01% ) 1 Oct 10 (161,315) (161,315) 8,000,000 29 Sep 10 50,000 100,000 150,000 (92.99% ) 1 Jan 11 (161,315) (161,315) 8,000,000 25 Dec 10 50,000 100,000 150,000 (92.99% ) 1 Apr 11 (157,808) (157,808) 8,000,000 25 Mar 11 50,000 100,000 150,000 (95.05% ) 1 Jul 11 (159,562) (159,562) 8,000,000 24 Jun 11 50,000 100,000 150,000 (94.01% ) 1 Oct 11 (161,315) (161,315) 8,000,000 29 Sep 11 50,000 100,000 150,000 (92.99% ) 1 Jan 12 (161,315) (161,315) 8,000,000 25 Dec 11 50,000 100,000 150,000 (92.99% ) 1 Apr 12 (159,562) (159,562) 8,000,000 25 Mar 12 50,000 100,000 150,000 (94.01% ) 1 Jul 12 (159,562) (159,562) 8,000,000 24 Jun 12 50,000 100,000 150,000 (94.01% ) 1 Oct 12 (161,315) (161,315) 8,000,000 29 Sep 12 50,000 100,000 150,000 (92.99% ) 1 Jan 13 (161,315) (161,315) 8,000,000 25 Dec 12 50,000 100,000 150,000 (92.99% ) 1 Apr 13 (157,808) (157,808) 8,000,000 25 Mar 13 50,000 100,000 150,000 (95.05% ) 1 Jul 13 (159,562) (159,562) 8,000,000 24 Jun 13 50,000 100,000 150,000 (94.01% ) 1 Oct 13 (161,315) (161,315) 8,000,000 29 Sep 13 50,000 100,000 150,000 (92.99% ) 1 Jan 14 (161,315) (161,315) 8,000,000 25 Dec 13 50,000 100,000 150,000 (92.99% ) 1 Apr 14 (157,808) (157,808) 8,000,000 25 Mar 14 50,000 100,000 150,000 (95.05% ) 1 Jul 14 (159,562) (159,562) 8,000,000 24 Jun 14 50,000 100,000 150,000 (94.01% ) 1 Oct 14 (161,315) (161,315) 8,000,000 29 Sep 14 50,000 100,000 150,000 (92.99% ) 1 Jan 15 (161,315) (161,315) 8,000,000 25 Dec 14 64,661 129,322 193,983 (120.25% ) 1 Apr 15 (157,808) (157,808) 8,000,000 25 Mar 15 65,897 131,795 197,692 (125.27% ) 1 Jul 15 (159,562) (159,562) 8,000,000 24 Jun 15 65,897 131,795 197,692 (123.90% ) 1 Oct 15 (161,315) (161,315) 8,000,000 29 Sep 15 65,897 131,795 197,692 (122.55% ) 1 Jan 16 (161,315) (161,315) 8,000,000 25 Dec 15 65,897 131,795 197,692 (122.55% ) 1 Apr 16 (159,562) (159,562) 8,000,000 25 Mar 16 65,897 131,795 197,692 (123.90% ) 1 Jul 16 (159,562) (159,562) 8,000,000 24 Jun 16 65,897 131,795 197,692 (123.90% ) 1 Oct 16 (161,315) (161,315) 8,000,000 29 Sep 16 65,897 131,795 197,692 (122.55% ) 1 Jan 17 (161,315) (8,000,000) (8,161,315) 25 Dec 16 65,897 131,795 197,692 (122.55% ) 1 Apr 17 25 Mar 17 65,897 131,795 197,692 1 Jul 17 24 Jun 17 65,897 131,795 197,692 1 Oct 17 29 Sep 17 65,897 131,795 197,692 1 Jan 18 25 Dec 17 65,897 131,795 197,692 1 Apr 18 25 Mar 18 65,897 131,795 197,692 1 Jul 18 24 Jun 18 65,897 131,795 197,692 1 Oct 18 29 Sep 18 65,897 131,795 197,692 1 Jan 19 25 Dec 18 65,897 131,795 197,692 1 Apr 19 25 Mar 19 65,897 131,795 197,692 1 Jul 19 24 Jun 19 65,897 131,795 197,692 1 Oct 19 29 Sep 19 65,897 131,795 197,692 1 Jan 20 25 Dec 19 5,069 10,138 15,207 1 Apr 20 25 Mar 20 1 Jul 20 24 Jun 20 1 Oct 20 29 Sep 20 1 Jan 21 25 Dec 20 1 Apr 21 25 Mar 21 1 Jul 21 24 Jun 21 1 Oct 21 29 Sep 21 1 Jan 22 25 Dec 21 71,571 143,142 214,713 1 Apr 22 25 Mar 22 78,685 157,370 236,055 1 Jul 22 24 Jun 22 78,685 157,370 236,055 1 Oct 22 29 Sep 22 78,685 157,370 236,055 1 Jan 23 25 Dec 22 78,685 157,370 236,055 1 Apr 23 25 Mar 23 78,685 157,370 236,055 1 Jul 23 24 Jun 23 78,685 157,370 236,055 1 Oct 23 29 Sep 23 78,685 157,370 236,055 1 Jan 24 25 Dec 23