Average monthly flow after mortgage
short
The calculator centers property price, purchase tax, transaction and financing costs, rental income and current expenses. It shows the self-investment, the mortgage repayment, the flow and the gross and net annual return.
Transaction review
Does real estate investment work in numbers?
Summarize all costs and revenues and get a picture of flow and yield before moving forward.
Monthly flow in the conservative scenario
Total purchase cost
Total self-investment
Monthly mortgage repayment
Annual income after vacancy
Gross return on the property price
Net return before financing and income tax
This is how the results are calculated
Total cost is the price of the property plus purchase tax, attorney, brokerage, renovation, appraisals and financing costs. Self-investment is the equity plus all associated costs. The return is calculated using the Spitzer method.
Gross yield is the annual rent divided by the price of the property. Net return subtracts empty months, maintenance, insurance and annual expenses and divides total ownership. The flow also reduces the mortgage payments. The conservative scenario reduces the rent, adds empty months and recalculates the repayment according to the added interest entered.
The calculation does not include tax on rent, increase in value, indexation, depreciation, property tax in empty periods, repayment fee or any expense that has not been entered. Taxation must be checked against The Tax Authority and financing terms vs Bank of Israel.
reliability and transparency
How to properly use the result
The tool is intended for initial planning and comparing scenarios. The result is not a credit approval, appraisal, legal opinion or tax advice, and the actual decision depends on the data of the borrower, the property and the financing body.
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