Real Estate Investment Case (Front-end Only)

1) Parameter Inputs

All values are computed locally. Currency formatting uses VND. Inline validation will show near invalid fields.

Purchase price (VND)

Down payment mode

Amount %

Down payment amount (VND)

Down payment (%)

Loan term (years)

Holding period (years)

Buying costs (% of purchase price)

Selling costs (% of sale price)

Property appreciation (% per year)

Monthly rent (starting, VND)

Rent growth rate (% per year)

Vacancy rate (%)

Operating expenses

Choose either ratio of effective rent or itemized monthly expenses.

Expense mode

Expense ratio Itemized

Expense ratio (% of effective rent)

Interest rate schedule

For years 1..5 you can choose to use specific annual rates. Otherwise, the “Year 6+ average” applies.

Year 1

Use specific rate

Year 2

Use specific rate

Year 3

Use specific rate

Year 4

Use specific rate

Year 5

Use specific rate

Average annual rate for remaining years (Year 6+)

Note

If a year’s checkbox is unchecked, that year uses the Year 6+ average.

Prepayment penalty at exit

Applied when selling: % of remaining principal (loan balance) at exit.

Penalty (% of remaining principal)

NPV / Discount rate

Used only for Net Present Value calculations (IRR remains unchanged).

Base discount rate (% per year)

Alternative rates (% per year, comma-separated)

2) Results

KPIs, monthly schedule, charts and NPV analysis are computed using your input parameters.

Loan balance over time

Interest vs principal payment

Equity curve (Property value − Loan balance)

Cumulative net cashflow

NPV Analysis

NPV is computed from the monthly cashflow series with discount rates converted to effective monthly.

ⓘ NPV table (base + alternatives)

Annual rate (%)	Monthly rate (%)	NPV (VND)

Monthly schedule

Scrollable table. IRR uses monthly cashflows for accuracy.

Notes: Mortgage uses Equal Principal (fixed principal per month, interest = balance × rate/12; no IO period; no rounding). Interest rate schedule can change annually; interest portion reflects the current year’s rate. Exit calculation subtracts selling costs, remaining principal, and prepayment penalty (% of remaining principal).