Property financial analysis
Financial Analysis Perspective
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Investment Summary
Gross Yield
3.69%
€23,040 annual income
Net Yield (After Costs)
2.03%
Before mortgage payments
Monthly Cash Flow
-€461
Monthly contribution needed
Annualized ROE
5.73%
Over 20 years
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Calculate your rental yield and return on equity
Property & Income
Total property cost
Rental Type
Monthly rent at 100% occupation
Effective monthly rent: €1,920 | Annual income: €23,040
Gross Annual Yield
3.69%
€23,040 annual income
Net Yield After Operating Costs & Taxes
2.03%
€12,663 after tax, IMI, condominium & mgmt fee
Rental Profit After Operating Costs & Taxes
€1,055 / €12,663
Monthly / Annual (before mortgage payments)
Net Rental Profit
-€461 / -€5,531
Monthly / Annual after taxes, operating costs & mortgage
Net Yield After Operating Costs, Taxes & Interest
-0.88%
With 2.80% interest rate
Financing Parameters
€187,500 upfront
Loan duration
Bank nominal interest rate
Based on 2.80% interest rate
Upfront Costs & Taxes
VPT: €437,500 — Used for calculating IMT and IMI
Initial furniture & equipment costs
Operating Costs (Annual)
€3,000 annually
€1,843 annually
Rental Income Tax (Annual)
Tax Rate
Rental Income - Operating Costs