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- Property Investment Return Forecast
This template enables users to calculate a comprehensive residential property
investment forecast for any property investment or primary residence over
any investment period between 1 month and 20 years. The functionality that
has been included in the template is comparable to any property software
solution - in fact, we guarantee that you'll not find a more practical and
comprehensive residential property forecast solution anywhere else. Users
are required to specify input values for a comprehensive series of property
variables and the template automatically calculates a comprehensive, accurate
investment return forecast on an annual and cumulative basis. The template
incorporates variable monthly interest rates, an unlimited number of ad
hoc bond repayments, variable annual capital growth rates and property income
tax and capital gains tax calculations. This is by far the most comprehensive
& accurate residential property investment forecast solution for the
South African residential property market. |
- Template Features
- Limited user input in order to compile comprehensive,
automated forecast
- Variable monthly interest rates & unlimited
ad hoc bond repayments
- Variable annual capital growth rates
- Includes capital gains tax & income tax
- Detailed monthly amortization table & detailed
annual cash flow report
- Comprehensive property investment return analysis
- Annual equity balances (before & after
disposal cost provisions)
- Net present value (NPV) and internal rate of
return (IRR)
- Annual return on equity (ROE)
- Annual gross & net rental yields
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File Size: 348KB |
File Size: 142KB |
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- Buy to Let Property Investment Return
This template enables users to record transactions for an unlimited number
of buy to let property investments and to view a comprehensive analysis
of annual and cumulative investment return on an individual property or
portfolio basis. The functionality that has been included in the template
matches any comprehensive property software program but the template is
a lot easier to install and use because it is based in Microsoft Excel.
This is by far the most comprehensive and accurate actual investment return
calculation solution that is available for the South African residential
property market. Users can create an unlimited number of buy to let property
codes and record the appropriate income and expenses for all the properties
that are created. Market values and outstanding bond amounts need to be
recorded on an annual basis. The template automatically produces a comprehensive
annual and cumulative investment return analysis and even includes an automated
tax invoice. |
- Template Features
- Calculates annual & cumulative investment
return per property or portfolio
- Record monthly income & expense transactions
- Record annual market values & outstanding
bond amounts
- Accommodates an unlimited number of properties
- Automated tax invoice & detailed annual
and monthly cash flow reports
- Comprehensive property investment return analysis
- Annual equity balances (before & after
disposal cost provisions)
- Net present value (NPV) and internal rate of
return (IRR)
- Annual return on equity (ROE)
- Annual gross & net rental yields
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File Size: 629KB |
File Size: 177KB |
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- Primary Residence Property Investment Return
This template enables users to compile a comprehensive analysis of annual
and cumulative investment return for any primary residence. The template
can be used for multiple primary residences and includes the functionality
to measure operational costs like water & electricity on a monthly basis.
This is by far the most comprehensive actual investment return calculation
and operational cost analysis solution that is available for primary residences.
Users are required to record monthly expense transactions and annual market
values and outstanding bond amounts. The template produces an automated
comprehensive investment return analysis which includes calculations of
the annual and cumulative capital growth, the annual return on equity and
the cumulative internal rate of return (IRR). Detailed annual and monthly
cash flow reports are also automatically compiled and can be used to measure
the cost of living that is associated with any primary residence. |
- Template Features
- Calculates annual & cumulative investment
return for any primary residence
- Record monthly expense transactions
- Record annual market values & outstanding
bond amounts
- Automatically calculates capital gains tax
amounts based on exclusions
- Detailed annual and monthly cash flow reports
- Comprehensive property investment return analysis
- Annual equity balances (before & after
disposal cost provisions)
- Net present value (NPV) and internal rate of
return (IRR)
- Annual return on equity (ROE)
- Also includes monthly operational cost (water
& electricity) analysis
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File Size: 381KB |
File Size: 141KB |
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- Capital Gains Tax Calculation
This template enables users to calculate the capital gains tax that is payable
when a residential property is sold. Users are required to enter the selling
price, selling costs, initial transfer costs, total renovation costs, property
purchase price and the total income from other sources. An entity form also
needs to be selected and a checkbox can be selected if the property is a
primary residence. The template includes calculations of the income tax
on income from other sources and the combined taxable income (including
the capital gain) as well as the capital gains tax amount and effective
capital gains tax percentage. All template calculations are based on the
income tax and capital gains tax rates that are entered on the Variables
sheet - the template can therefore also be used to calculate the income
tax and capital gains tax amounts relating to prior or future periods by
simply entering the appropriate income tax and capital gains tax rates on
this sheet. |
- Template Features
- Limited user input required
- Calculates income tax calculation before &
after capital gains
- Calculates effective income tax rates before
& after capital gains
- Calculates effective capital gains tax percentage
- Flexible design makes template easy to amend
for future periods
- Incorporates all capital gains tax primary
residence exclusions
- Suitable for individuals & corporate entities
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File Size: 87KB |
File Size: 34KB |
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- Property Income Tax Calculation
This template enables users to calculate the income tax that is payable
on the residential property transactions that relate to the current income
tax assessment period. Users are required to enter all the appropriate property
transaction totals and the taxable income that is derived from other sources
of income. An income tax amount is then calculated based on the income from
other sources, the combined taxable income (including the residential property
transactions) and only the residential property transactions. All income
tax calculations are based on the income tax rates that are entered on the
Variables sheet - the template can therefore also be used to calculate the
income tax amounts relating to prior or future periods by simply entering
the appropriate income tax rates on this sheet. |
- Template Features
- Limited user input required
- Calculates income tax calculation before &
after property transactions
- Calculates effective income tax rates before
& after property transactions
- Flexible design makes template easy to amend
for future periods
- Suitable for individuals & corporate entities
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File Size: 84KB |
File Size: 31KB |
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This template enables users to calculate an accurate estimate of the transfer
and bond costs that will be incurred when purchasing a residential property.
The template includes a transfer & bond cost calculation sheet, detailed
transfer & bond cost tables and a sheet that includes all the cost variables
that are used in the transfer & bond cost calculations. All the calculations
in the template can be updated automatically by simply editing the appropriate
default values that have been included on a separate sheet and it is therefore
extremely easy to update the template calculations when changes in the default
variables occur. |
- Template Features
- Limited user input required
- Automated calculation of accurate transfer
& bond costs
- Flexible design makes it easy to update template
- Includes all significant transfer & bond
costs
- Includes detailed automated transfer &
bond cost tables
- Suitable for individuals & corporate entities
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File Size: 117KB |
File Size: 46KB |
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This template enables users to compile a bond statement for any bond that
is repaid on a monthly basis and subject to daily interest calculations.
The template has been designed specifically for the analysis of bonds that
are subject to variable interest rates and also accommodates ad hoc bond
repayments that fall outside the scope of most standard amortization tables.
Interest calculations are based on daily bond balances (same calculation
basis as used by most financial institutions) and an unlimited number of
interest rate changes can be recorded. Users are required to record all
bond transactions and the template calculations automatically produce a
bond statement and a monthly bond summary based on the transactions that
are recorded. |
- Template Features
- All bond transactions are entered by the user
- Automated calculation of interest based on
any transaction date
- Automated calculation of statement balances
after each transaction
- Comprehensive bond statement compiled automatically
- Accommodates an unlimited number of interest
rate changes
- Accommodates an unlimited number of ad hoc
bond repayments
- Automated monthly bond summary
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File Size: 177KB |
File Size: 76KB |
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This template enables users to compile a monthly bond amortization table
that accommodates variable monthly interest rates and an unlimited number
of ad hoc bond repayments. The template also includes an annual bond amortization
table that is compiled based on the appropriate amounts in the monthly bond
amortization table. User input is limited to entering a bond amount, bond
period, bond start date and an interest rate discount or premium in the
appropriate input cells and entering monthly prime interest rates and ad
hoc bond repayments on separate sheets. The template should enhance a user's
understanding of bond amortization and especially highlight the capital
repayment trend that is inherent to all bonds. |
- Template Features
- Limited user input required
- Accommodates variable monthly interest rates
- Accommodates ad hoc bond repayments
- Includes detailed monthly & annual amortization
tables
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File Size: 225KB |
File Size: 89KB |
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- Effective Interest Rate Calculation
This template enables users to calculate an accurate estimate of the effective
interest rate of a bond. The calculation is based on a standard amortization
table that incorporates variable monthly interest rates. The monthly prime
interest rates need to be entered by the user and a rate discount percentage
is applied in order to determine the appropriate monthly interest rates.
An amortization table that is automatically calculated is used to determine
the effective interest rate at the end of each annual interval that is included
in the bond period. The template also includes effective interest charts
that display a visual analysis of the movement in effective interest rates. |
- Template Features
- Limited user input required
- Accommodates variable monthly interest rates
- Includes detailed monthly amortization table
- Calculates effective interest rate at the end
of each annual period
- Includes charts that display movement in effective
interest rates
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File Size: 194KB |
File Size: 85KB |
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Bond calculators are sometimes also referred to as home loan calculators
or mortgage calculators. The aim of this free Excel template is to enable
users to calculate monthly bond repayments, determine the affordability
of a home loan, calculate the interest savings that result from increased
bond instalments and measure the sensitivity of bond repayments to changes
in interest rates. After using this template, users will also gain an improved
understanding of home loan amortization and specifically the timing of capital
repayments on a bond. |
- Capital Growth Calculator
This template enables users to calculate the capital growth that has been
achieved on a residential property investment. Users are required to enter
the property purchase price, property market value and the investment period
(in months). The average annual capital growth is calculated based on the
values that are specified by the user and the template also calculates property
market values based on average capital growth percentages that are up to
5% more and up to 5% less than the calculated average capital growth calculation. |
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File Size: 397KB |
File Size: 151KB |
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File Size: 52KB |
File Size: 18KB |
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