LOD Calculator

Name
Joe Bloggs
Company
Widgets Limited
Email
test@sample.com
Phone
0123 456 789

Equity Invested by Developer
			Trad Finance
Facility			Month 1	Month 2	Month 3	Month 4	Month 5	Month 6	Month 7	Month 8	Month 9	Month 10	Month 11	Month 12	Month 13	Month 14	Month 15	Month 16	Month 17	Month 18	Month 19	Month 20	Month 21	Month 22	Month 23	Month 24	Month 25	Month 26	Month 27	Month 28	Month 29	Month 30	Month 31	Month 32	Month 33	Month 34	Month 35	Month 36	Completion
			5,333,333.33												5,333,333.33												5,333,333.33												17,620,317.82
Interest Rate			22,222.22	22,314.81	22,407.79	22,501.16	22,594.91	22,689.06	22,783.60	22,878.53	22,973.86	23,069.58	23,165.70	23,262.23	45,581.38	45,771.30	45,962.01	46,153.52	46,345.83	46,538.93	46,732.85	46,927.57	47,123.10	47,319.44	47,516.61	47,714.59	70,135.63	70,427.86	70,721.31	71,015.98	71,311.88	71,609.01	71,907.38	72,207.00	72,507.86	72,809.98	73,113.35	73,417.99	800,000.00
			0	5,355,555.56	5,377,870.37	5,400,278.16	5,422,779.32	5,445,374.24	5,468,063.30	5,490,846.89	5,513,725.42	5,536,699.28	5,559,768.86	5,582,934.56	10,939,530.12	10,985,111.50	11,030,882.80	11,076,844.81	11,122,998.33	11,169,344.15	11,215,883.09	11,262,615.93	11,309,543.50	11,356,666.60	11,403,986.04	11,451,502.65	16,832,550.58	16,902,686.21	16,973,114.06	17,043,835.37	17,114,851.35	17,186,163.23	17,257,772.25	17,329,679.63	17,401,886.63	17,474,394.49	17,547,204.47	17,620,317.82
Exit Fees																																						Total Cost

GDV
			With LoD
Deposit rate			Month 1	Month 2	Month 3	Month 4	Month 5	Month 6	Month 7	Month 8	Month 9	Month 10	Month 11	Month 12	Month 13	Month 14	Month 15	Month 16	Month 17	Month 18	Month 19	Month 20	Month 21	Month 22	Month 23	Month 24	Month 25	Month 26	Month 27	Month 28	Month 29	Month 30	Month 31	Month 32	Month 33	Month 34	Month 35	Month 36	Completion
			3,933,333.33												3,933,333.33												3,933,333.33												8,607,660.51
			16,388.89	16,457.18	16,525.75	16,594.60	16,663.75	16,733.18	16,802.90	16,872.91	16,943.22	17,013.82	17,084.71	12,155.89	28,595.43	28,714.58	28,834.22	28,954.37	29,075.01	29,196.15	29,317.81	29,439.96	29,562.63	29,685.81	29,809.50	24,933.70	41,426.48	41,599.09	41,772.42	41,946.47	42,121.25	42,296.76	42,472.99	42,649.96	42,827.67	43,006.12	43,185.31	35,865.25	800,000.00
Pre-sales Rate	%		0											-1,200,000.00												-1,200,000.00												-1,800,000.00
Year 1			0	3,949,722.22	3,966,179.40	3,982,705.15	3,999,299.75	4,015,963.50	4,032,696.68	4,049,499.58	4,066,372.50	4,083,315.72	4,100,329.53	2,917,414.24	6,862,903.47	6,891,498.90	6,920,213.47	6,949,047.70	6,978,002.06	7,007,077.07	7,036,273.23	7,065,591.03	7,095,030.99	7,124,593.62	7,154,279.43	5,984,088.93	9,942,355.96	9,983,782.45	10,025,381.54	10,067,153.96	10,109,100.44	10,151,221.69	10,193,518.45	10,235,991.44	10,278,641.41	10,321,469.08	10,364,475.20	8,607,660.51	9,407,660.51
Year 2																																						Bond Cost	240,000.00
Year 3																																						Total Cost

Available Deposit Funds
Year 1	1,200,000.00
Year 2	1,200,000.00
Year 3	1,800,000.00
Total	4,200,000.00
Bond Rate
Bond Cost
Amount Borrowed minus Deposit Funds	11,800,000.00

	Return on Equity
	Traditional	Using LoD


	Increase in ROE
	Savings

Return on Equity using Deposit Release Bonds

529.4%

Return on Equity using Traditional Financing

419.75%

Savings using Deposit Release Bonds

8,772,657.31

Increase in Equity using Deposit Release Bonds

109.66%

Bond Cost

240,000.00