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chunty

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tT
发表于 2011-7-11 19:35 | 只看该作者

Sinking fund- Real Estate Investment Analysis

Investment, investment, understand
Does somebody have a good explanation of what, conceptually, the sinking fund component in the band of investment method of calculating capitalization rates represents? I understand the calculation but can't really figure out why it is included.

Much appreciated,


Mike
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ayodayo

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2#
发表于 2011-7-11 19:35 | 只看该作者
you need 1 $ in Principal and interest in the future at the end of the loan.
you need to save money every month - to accumulate to that 1$ at the end of the loan.

that's what the Sinking Fund is calculating.

If you had the level Payment for the Mortgage -> Level Payment * 12 / Loan Amount will give you the same number as

sinking Fund Factor * 12 (Monthly converted to Annual) + Interest rate on Loan

CP

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genuinecfa

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3#
发表于 2011-7-11 19:35 | 只看该作者
Like I said, I understand the calculation, but conceptually I am not sure why a premium is added to the morgate rate.

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