Just make a down payment of Rs. 6 Lac for a property of Rs. 40 Lac and pay a fixed EMI of Rs. 3.94 Lac p.a. for 20 years on a loan of Rs. 34 Lac @10 % p.a. and earn Crores of Rupees in 20 years.
Watch the continuous appreciation on the Property Value, the Annual Income, Rentals and the Tax rebates against fixed EMI as shown below .
|
Price |
Margin Money
15 % |
Loan Amount
85 % |
Interest rate
% p.a. |
EMI
(Roughly) |
|
4000000 |
600000 |
3400000 |
10 |
32811 |
|
Year |
Cash Inflow
Rental p.a. |
Cash Saving
Income Tax p.a. |
Total |
Cash Outflow
Annual EMI |
Cash Inflow /
Outflow (+/-) |
0 |
Margin Money |
|
|
600000 |
-600000 |
| 1 |
144000 |
60000 |
204000 |
393729 |
-189729 |
| 2 |
158400 |
66000 |
224400 |
393729 |
-169329 |
| 3 |
174240 |
72600 |
246840 |
393729 |
-146889 |
| 4 |
191664 |
79860 |
271524 |
393729 |
-122205 |
| 5 |
210830 |
87846 |
298676 |
393729 |
-95052 |
| 6 |
231913 |
96631 |
328544 |
393729 |
-65185 |
| 7 |
255105 |
106294 |
361398 |
393729 |
-32330 |
| 8 |
280615 |
116923 |
397538 |
393729 |
3809 |
| 9 |
308677 |
128615 |
437292 |
393729 |
43563 |
| 10 |
339544 |
141477 |
481021 |
393729 |
87292 |
| 11 |
373499 |
155625 |
529123 |
393729 |
135395 |
| 12 |
410849 |
171187 |
582036 |
393729 |
188307 |
| 13 |
451934 |
188306 |
640239 |
393729 |
246511 |
| 14 |
497127 |
207136 |
704263 |
393729 |
310535 |
| 15 |
546840 |
227850 |
774690 |
393729 |
380961 |
| 16 |
601524 |
250635 |
852159 |
393729 |
458430 |
| 17 |
661676 |
275698 |
937375 |
393729 |
543646 |
| 18 |
727844 |
303268 |
1031112 |
393729 |
637383 |
| 19 |
800628 |
333595 |
1134223 |
393729 |
740494 |
| 20 |
880691 |
366955 |
1247645 |
393729 |
853917 |
| |
|
|
|
|
|
| Net Accruals |
8247600 |
3436500 |
11684100 |
8474577 |
3209523 |
| |
|
|
|
|
|
| Plus Value of Property after 20 years being, 3 times on every 7 years |
108000000 |
| |
|
|
|
|
|
| Net Earnings on this investment |
|
|
111209523 |
| |
|
|
|
|
|
| Or Value of Property after 20 years being, 2 times on every 5 years |
128000000 |
| |
|
|
|
|
|
| Net Earnings on this investment |
|
|
131209523 |
Home 