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Hagsmunasamtk Heimilanna

The Homes Association - Iceland


THE INCREDIBLE LOAN MACHINE
A Model of Icelandic Consumer Loan Repayment Structures

LOAN CRITERIA
Loan to value
Loan principal
Stamp duty
Borrowing fee
Paperwork cost
Cash disbursment
Borrowing date
First payment
Loan term
Instalments
Invoice fee

80% 25.000.000
ISK 20.000.000
1,5%
300.000
1,0%
200.000
ISK
2.800
ISK 19.497.200
01/04/2013
5/1/2013 01/05/2013
years
40
#
480
ISK
120

CPI-INDEXATION
Fixed interest rate indexed
Fixed rate term
years
Base CPI
points
Current 12m inflation rate
CBI inflation target rate
Historical inflation average

4,10%
40
409,9
4,83%
2,50%
5,84%

Wage link option begin


01/06/2001
Wage link option end
01/05/2053
Wage forecast
7,27%
5,84%
NOMINAL INTEREST
Prevailing rate
4,10% 01/04/2013
Fixed interest rate nominal
4,10%
Fixed rate term
years
40
Interest option
4,10%
4,10%
Interest option
begin
01/04/2013
Interest option
end
01/05/2053

Total repayment
Repayment ratio
Total credit cost
Total cost ratio
Annual Percentage Rate

Loan type:
..........
kr.
..........
%
..........
kr.
..........
%
APRC
%

Indexed annuitet
121.229.116
606,15%
101.731.916
521,78%
9,41%

Indexed proportional *
93.956.277
469,78%
74.459.077
381,90%
9,45%

Nominal annuitet **
40.778.760
203,89%
21.281.560
109,15%
4,37%

* Proportional = payments proportional to remaining principal, plus interest


** Nominal = nominal amounts, excluding indexation cost components (significant part of total cost)
-- Note: before 2013, lenders have in most cases omitted indexation when providing loan price information

Nominal proportional
36.491.723
182,46%
16.994.523
87,16%
4,41%

CPI-indexed loan with inflation cost


Index
Interest
Instalments
rate
rate
# 01/04/2013 409,9
4,10%
1 01/05/2013 411,5
4,10%
2 01/06/2013 413,1
4,10%
3 01/07/2013 414,8
4,10%
4 01/08/2013 416,4
4,10%
5 01/09/2013 418,0
4,10%
6 01/10/2013 419,7
4,10%
7 01/11/2013 421,3
4,10%
8 01/12/2013 423,0
4,10%
9 01/01/2014 424,7
4,10%
10 01/02/2014 426,3
4,10%
11 01/03/2014 428,0
4,10%
12 01/04/2014 429,7
4,10%
13 01/05/2014 431,4
4,10%
14 01/06/2014 433,1
4,10%
15 01/07/2014 434,8
4,10%
16 01/08/2014 436,5
4,10%
17 01/09/2014 438,2
4,10%
18 01/10/2014 440,0
4,10%
19 01/11/2014 441,7
4,10%
20 01/12/2014 443,5
4,10%
21 01/01/2015 445,2
4,10%
22 01/02/2015 447,0
4,10%
23 01/03/2015 448,7
4,10%
24 01/04/2015 450,5
4,10%
25 01/05/2015 452,3
4,10%
26 01/06/2015 454,0
4,10%
27 01/07/2015 455,8
4,10%
28 01/08/2015 457,6
4,10%
29 01/09/2015 459,4
4,10%
30 01/10/2015 461,2
4,10%
31 01/11/2015 463,1
4,10%
32 01/12/2015 464,9
4,10%
33 01/01/2016 466,7
4,10%
34 01/02/2016 468,6
4,10%
35 01/03/2016 470,4
4,10%
36 01/04/2016 472,3
4,10%
37 01/05/2016 474,1
4,10%
38 01/06/2016 476,0
4,10%
39 01/07/2016 477,9
4,10%
40 01/08/2016 479,8
4,10%
41 01/09/2016 481,6
4,10%
42 01/10/2016 483,5
4,10%
43 01/11/2016 485,4
4,10%
44 01/12/2016 487,4
4,10%
45 01/01/2017 489,3
4,10%
46 01/02/2017 491,2
4,10%
47 01/03/2017 493,1
4,10%
48 01/04/2017 495,1
4,10%
49 01/05/2017 497,0
4,10%
50 01/06/2017 499,0
4,10%
51 01/07/2017 501,0
4,10%
52 01/08/2017 502,9
4,10%
53 01/09/2017 504,9
4,10%
54 01/10/2017 506,9
4,10%
55 01/11/2017 508,9
4,10%
56 01/12/2017 510,9
4,10%
57 01/01/2018 512,9
4,10%
58 01/02/2018 515,0
4,10%
59 01/03/2018 517,0
4,10%
60 01/04/2018 519,0
4,10%
61 01/05/2018 521,1
4,10%
62 01/06/2018 523,1
4,10%
63 01/07/2018 525,2
4,10%
64 01/08/2018 527,3
4,10%
65 01/09/2018 529,3
4,10%
66 01/10/2018 531,4
4,10%
67 01/11/2018 533,5
4,10%
68 01/12/2018 535,6
4,10%
69 01/01/2019 537,7
4,10%
70 01/02/2019 539,8
4,10%
71 01/03/2019 542,0
4,10%
72 01/04/2019 544,1
4,10%
73 01/05/2019 546,3
4,10%
74 01/06/2019 548,4
4,10%
75 01/07/2019 550,6
4,10%
76 01/08/2019 552,7
4,10%
77 01/09/2019 554,9
4,10%
78 01/10/2019 557,1
4,10%
79 01/11/2019 559,3
4,10%
80 01/12/2019 561,5
4,10%
81 01/01/2020 563,7
4,10%
82 01/02/2020 565,9
4,10%
83 01/03/2020 568,2
4,10%
84 01/04/2020 570,4
4,10%
85 01/05/2020 572,7
4,10%
86 01/06/2020 574,9
4,10%
87 01/07/2020 577,2
4,10%
88 01/08/2020 579,5
4,10%
89 01/09/2020 581,7
4,10%
90 01/10/2020 584,0
4,10%
91 01/11/2020 586,3
4,10%
92 01/12/2020 588,6
4,10%

annuity repayments
54.095.202
Indexation
78.831
79.076
79.322
79.569
79.816
80.063
80.311
80.559
80.808
81.057
81.307
81.557
81.808
82.059
82.310
82.563
82.815
83.068
83.321
83.575
83.830
84.084
84.340
84.595
84.851
85.108
85.365
85.622
85.880
86.139
86.397
86.656
86.916
87.176
87.436
87.697
87.958
88.220
88.482
88.744
89.007
89.271
89.534
89.798
90.063
90.327
90.592
90.858
91.124
91.390
91.657
91.924
92.191
92.459
92.727
92.995
93.264
93.533
93.803
94.072
94.342
94.613
94.883
95.154
95.426
95.697
95.969
96.242
96.514
96.787
97.060
97.333
97.607
97.881
98.155
98.430
98.704
98.979
99.254
99.530
99.805
100.081
100.357
100.634
100.910
101.187
101.464
101.741
102.018
102.296
102.573
102.851

indexed fixed principal payments

20.000.000 74.095.202 47.076.314 57.600 121.229.116 39.512.743 20.000.000 59.512.743 34.385.934 57.600 93.956.277
Total Indexation
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
85.291
110.554
20.078.831
16.568
68.603
120
78.831 20.078.831
41.831
68.603
120
85.626
110.846
20.141.339
16.690
68.816
120
78.977 20.115.977
41.996
68.730
120
85.963
111.137
20.203.971
16.813
69.030
120
79.123 20.153.104
42.161
68.856
120
86.301
111.430
20.266.727
16.936
69.245
120
79.268 20.190.211
42.327
68.983
120
86.641
111.724
20.329.607
17.062
69.459
120
79.414 20.227.298
42.494
69.110
120
86.982
112.019
20.392.608
17.187
69.675
120
79.559 20.264.363
42.662
69.237
120
87.324
112.313
20.455.732
17.314
69.890
120
79.705 20.301.406
42.830
69.363
120
87.668
112.609
20.518.977
17.441
70.107
120
79.850 20.338.426
42.999
69.490
120
88.013
112.904
20.582.344
17.570
70.323
120
79.996 20.375.423
43.168
69.616
120
88.360
113.200
20.645.831
17.700
70.540
120
80.141 20.412.396
43.338
69.742
120
88.707
113.498
20.709.438
17.830
70.757
120
80.286 20.449.344
43.509
69.869
120
89.057
113.796
20.773.165
17.962
70.975
120
80.431 20.486.266
43.681
69.995
120
89.407
114.094
20.837.011
18.094
71.193
120
80.576 20.523.161
43.853
70.121
120
89.759
114.393
20.900.976
18.227
71.412
120
80.720 20.560.028
44.026
70.247
120
90.112
114.692
20.965.059
18.361
71.631
120
80.865 20.596.867
44.199
70.373
120
90.467
114.991
21.029.261
18.497
71.850
120
81.009 20.633.677
44.373
70.498
120
90.823
115.292
21.093.579
18.633
72.070
120
81.154 20.670.458
44.548
70.624
120
91.181
115.594
21.158.014
18.771
72.290
120
81.298 20.707.208
44.724
70.750
120
91.540
115.895
21.222.564
18.910
72.510
120
81.442 20.743.926
44.900
70.875
120
91.900
116.197
21.287.229
19.049
72.731
120
81.586 20.780.612
45.077
71.000
120
92.262
116.501
21.352.010
19.189
72.953
120
81.730 20.817.265
45.255
71.126
120
92.625
116.804
21.416.905
19.331
73.174
120
81.874 20.853.884
45.433
71.251
120
92.990
117.108
21.481.914
19.473
73.397
120
82.018 20.890.469
45.612
71.376
120
93.356
117.413
21.547.036
19.617
73.619
120
82.161 20.927.018
45.792
71.501
120
93.723
117.718
21.612.270
19.761
73.842
120
82.304 20.963.530
45.973
71.625
120
94.092
118.024
21.677.617
19.907
74.065
120
82.448 21.000.005
46.154
71.750
120
94.462
118.331
21.743.075
20.053
74.289
120
82.591 21.036.442
46.336
71.875
120
94.834
118.637
21.808.644
20.201
74.513
120
82.734 21.072.840
46.518
71.999
120
95.208
118.945
21.874.323
20.351
74.737
120
82.876 21.109.198
46.702
72.123
120
95.582
119.253
21.940.111
20.500
74.962
120
83.019 21.145.515
46.886
72.247
120
95.959
119.562
22.006.008
20.652
75.187
120
83.161 21.181.790
47.071
72.371
120
96.336
119.871
22.072.012
20.803
75.413
120
83.304 21.218.023
47.256
72.495
120
96.716
120.181
22.138.125
20.957
75.639
120
83.446 21.254.213
47.442
72.619
120
97.096
120.491
22.204.344
21.111
75.865
120
83.588 21.290.359
47.629
72.742
120
97.479
120.802
22.270.669
21.268
76.091
120
83.729 21.326.459
47.817
72.865
120
97.862
121.115
22.337.098
21.424
76.318
120
83.871 21.362.513
48.006
72.989
120
98.248
121.427
22.403.632
21.582
76.546
120
84.012 21.398.519
48.195
73.112
120
98.634
121.739
22.470.270
21.741
76.773
120
84.153 21.434.477
48.385
73.234
120
99.023
122.053
22.537.011
21.902
77.001
120
84.294 21.470.386
48.576
73.357
120
99.413
122.367
22.603.853
22.063
77.230
120
84.435 21.506.245
48.767
73.480
120
99.804
122.681
22.670.797
22.225
77.459
120
84.576 21.542.054
48.959
73.602
120
100.197
122.996
22.737.843
22.389
77.688
120
84.716 21.577.811
49.152
73.724
120
100.591
123.312
22.804.988
22.554
77.917
120
84.856 21.613.515
49.346
73.846
120
100.987
123.628
22.872.232
22.720
78.147
120
84.996 21.649.165
49.540
73.968
120
101.385
123.946
22.939.575
22.888
78.377
120
85.136 21.684.761
49.736
74.090
120
101.784
124.263
23.007.014
23.057
78.607
120
85.276 21.720.301
49.932
74.211
120
102.185
124.581
23.074.549
23.227
78.838
120
85.415 21.755.784
50.129
74.332
120
102.587
124.899
23.142.180
23.398
79.069
120
85.554 21.791.209
50.326
74.453
120
102.991
125.218
23.209.906
23.570
79.301
120
85.693 21.826.576
50.524
74.574
120
103.396
125.539
23.277.726
23.744
79.532
120
85.831 21.861.883
50.724
74.695
120
103.803
125.859
23.345.639
23.919
79.764
120
85.970 21.897.129
50.924
74.815
120
104.212
126.179
23.413.644
24.095
79.997
120
86.108 21.932.313
51.124
74.935
120
104.622
126.501
23.481.740
24.273
80.229
120
86.246 21.967.435
51.326
75.055
120
105.034
126.823
23.549.926
24.452
80.462
120
86.384 22.002.493
51.528
75.175
120
105.448
127.146
23.618.201
24.632
80.696
120
86.521 22.037.486
51.731
75.295
120
105.863
127.469
23.686.564
24.814
80.929
120
86.658 22.072.413
51.935
75.414
120
106.280
127.793
23.755.014
24.997
81.163
120
86.795 22.107.273
52.140
75.533
120
106.698
128.117
23.823.550
25.181
81.397
120
86.931 22.142.064
52.345
75.652
120
107.118
128.443
23.892.172
25.366
81.632
120
87.068 22.176.787
52.552
75.771
120
107.540
128.768
23.960.878
25.554
81.866
120
87.204 22.211.439
52.759
75.889
120
107.963
129.094
24.029.666
25.742
82.101
120
87.340 22.246.020
52.967
76.007
120
108.388
129.420
24.098.537
25.931
82.337
120
87.475 22.280.528
53.175
76.125
120
108.815
129.748
24.167.489
26.123
82.572
120
87.610 22.314.963
53.385
76.243
120
109.244
130.075
24.236.520
26.316
82.808
120
87.745 22.349.323
53.595
76.360
120
109.674
130.404
24.305.630
26.510
83.044
120
87.880 22.383.608
53.807
76.477
120
110.106
130.733
24.374.817
26.705
83.281
120
88.014 22.417.815
54.019
76.594
120
110.539
131.063
24.444.081
26.902
83.517
120
88.148 22.451.944
54.232
76.711
120
110.974
131.393
24.513.421
27.100
83.754
120
88.282 22.485.994
54.446
76.827
120
111.411
131.723
24.582.835
27.300
83.991
120
88.415 22.519.963
54.660
76.943
120
111.850
132.055
24.652.322
27.501
84.229
120
88.548 22.553.851
54.876
77.059
120
112.290
132.386
24.721.881
27.704
84.466
120
88.681 22.587.656
55.092
77.174
120
112.732
132.719
24.791.510
27.908
84.704
120
88.813 22.621.377
55.309
77.290
120
113.176
133.052
24.861.209
28.114
84.942
120
88.945 22.655.013
55.527
77.405
120
113.622
133.385
24.930.976
28.321
85.181
120
89.077 22.688.563
55.746
77.519
120
114.069
133.720
25.000.810
28.530
85.419
120
89.208 22.722.025
55.966
77.634
120
114.518
134.054
25.070.710
28.740
85.658
120
89.339 22.755.398
56.186
77.748
120
114.969
134.389
25.140.674
28.952
85.897
120
89.470 22.788.682
56.408
77.861
120
115.422
134.725
25.210.701
29.165
86.137
120
89.600 22.821.874
56.630
77.975
120
115.876
135.061
25.280.790
29.380
86.376
120
89.730 22.854.974
56.853
78.088
120
116.333
135.398
25.350.940
29.597
86.616
120
89.860 22.887.981
57.077
78.201
120
116.791
135.735
25.421.148
29.815
86.856
120
89.989 22.920.893
57.302
78.313
120
117.251
136.073
25.491.414
30.035
87.096
120
90.118 22.953.709
57.528
78.425
120
117.712
136.412
25.561.736
30.256
87.336
120
90.247 22.986.428
57.755
78.537
120
118.176
136.750
25.632.114
30.480
87.576
120
90.375 23.019.048
57.982
78.648
120
118.641
137.091
25.702.544
30.704
87.817
120
90.502 23.051.568
58.211
78.760
120
119.108
137.430
25.773.027
30.930
88.058
120
90.630 23.083.987
58.440
78.870
120
119.577
137.772
25.843.561
31.158
88.299
120
90.756 23.116.303
58.671
78.981
120
120.048
138.113
25.914.144
31.388
88.540
120
90.883 23.148.515
58.902
79.091
120
120.521
138.454
25.984.774
31.620
88.781
120
91.009 23.180.622
59.134
79.200
120
120.995
138.797
26.055.450
31.852
89.023
120
91.135 23.212.623
59.367
79.310
120
121.472
139.140
26.126.171
32.088
89.264
120
91.260 23.244.516
59.601
79.419
120
121.950
139.483
26.196.934
32.324
89.506
120
91.385 23.276.300
59.836
79.527
120

CPI-indexed loan with inflation cost


Index
Interest
Instalments
rate
rate
# 01/04/2013 409,9
4,10%
93 01/01/2021 591,0
4,10%
94 01/02/2021 593,3
4,10%
95 01/03/2021 595,6
4,10%
96 01/04/2021 598,0
4,10%
97 01/05/2021 600,3
4,10%
98 01/06/2021 602,7
4,10%
99 01/07/2021 605,1
4,10%
100 01/08/2021 607,5
4,10%
101 01/09/2021 609,9
4,10%
102 01/10/2021 612,3
4,10%
103 01/11/2021 614,7
4,10%
104 01/12/2021 617,1
4,10%
105 01/01/2022 619,5
4,10%
106 01/02/2022 622,0
4,10%
107 01/03/2022 624,4
4,10%
108 01/04/2022 626,9
4,10%
109 01/05/2022 629,4
4,10%
110 01/06/2022 631,8
4,10%
111 01/07/2022 634,3
4,10%
112 01/08/2022 636,8
4,10%
113 01/09/2022 639,3
4,10%
114 01/10/2022 641,9
4,10%
115 01/11/2022 644,4
4,10%
116 01/12/2022 646,9
4,10%
117 01/01/2023 649,5
4,10%
118 01/02/2023 652,0
4,10%
119 01/03/2023 654,6
4,10%
120 01/04/2023 657,2
4,10%
121 01/05/2023 659,8
4,10%
122 01/06/2023 662,4
4,10%
123 01/07/2023 665,0
4,10%
124 01/08/2023 667,6
4,10%
125 01/09/2023 670,2
4,10%
126 01/10/2023 672,9
4,10%
127 01/11/2023 675,5
4,10%
128 01/12/2023 678,2
4,10%
129 01/01/2024 680,9
4,10%
130 01/02/2024 683,6
4,10%
131 01/03/2024 686,2
4,10%
132 01/04/2024 689,0
4,10%
133 01/05/2024 691,7
4,10%
134 01/06/2024 694,4
4,10%
135 01/07/2024 697,1
4,10%
136 01/08/2024 699,9
4,10%
137 01/09/2024 702,6
4,10%
138 01/10/2024 705,4
4,10%
139 01/11/2024 708,2
4,10%
140 01/12/2024 711,0
4,10%
141 01/01/2025 713,8
4,10%
142 01/02/2025 716,6
4,10%
143 01/03/2025 719,4
4,10%
144 01/04/2025 722,3
4,10%
145 01/05/2025 725,1
4,10%
146 01/06/2025 728,0
4,10%
147 01/07/2025 730,8
4,10%
148 01/08/2025 733,7
4,10%
149 01/09/2025 736,6
4,10%
150 01/10/2025 739,5
4,10%
151 01/11/2025 742,4
4,10%
152 01/12/2025 745,3
4,10%
153 01/01/2026 748,3
4,10%
154 01/02/2026 751,2
4,10%
155 01/03/2026 754,2
4,10%
156 01/04/2026 757,2
4,10%
157 01/05/2026 760,2
4,10%
158 01/06/2026 763,1
4,10%
159 01/07/2026 766,2
4,10%
160 01/08/2026 769,2
4,10%
161 01/09/2026 772,2
4,10%
162 01/10/2026 775,3
4,10%
163 01/11/2026 778,3
4,10%
164 01/12/2026 781,4
4,10%
165 01/01/2027 784,5
4,10%
166 01/02/2027 787,5
4,10%
167 01/03/2027 790,7
4,10%
168 01/04/2027 793,8
4,10%
169 01/05/2027 796,9
4,10%
170 01/06/2027 800,0
4,10%
171 01/07/2027 803,2
4,10%
172 01/08/2027 806,4
4,10%
173 01/09/2027 809,5
4,10%
174 01/10/2027 812,7
4,10%
175 01/11/2027 815,9
4,10%
176 01/12/2027 819,1
4,10%
177 01/01/2028 822,4
4,10%
178 01/02/2028 825,6
4,10%
179 01/03/2028 828,9
4,10%
180 01/04/2028 832,1
4,10%
181 01/05/2028 835,4
4,10%
182 01/06/2028 838,7
4,10%
183 01/07/2028 842,0
4,10%
184 01/08/2028 845,3
4,10%

annuity repayments
54.095.202
Indexation
103.129
103.407
103.686
103.964
104.243
104.521
104.800
105.079
105.358
105.637
105.917
106.196
106.475
106.755
107.034
107.314
107.594
107.874
108.153
108.433
108.713
108.993
109.273
109.552
109.832
110.112
110.392
110.672
110.951
111.231
111.511
111.790
112.070
112.349
112.628
112.908
113.187
113.466
113.744
114.023
114.302
114.580
114.858
115.136
115.414
115.691
115.969
116.246
116.523
116.800
117.076
117.352
117.628
117.904
118.179
118.454
118.729
119.003
119.277
119.551
119.824
120.097
120.369
120.641
120.913
121.184
121.455
121.725
121.995
122.264
122.533
122.802
123.070
123.337
123.604
123.870
124.135
124.400
124.665
124.928
125.192
125.454
125.716
125.977
126.237
126.497
126.756
127.014
127.272
127.529
127.784
128.040

indexed fixed principal payments

20.000.000 74.095.202 47.076.314 57.600 121.229.116 39.512.743 20.000.000 59.512.743 34.385.934 57.600 93.956.277
Total Indexation
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
122.430
139.828
26.267.739
32.562
89.748
120
91.509 23.307.973
60.072
79.636
120
122.912
140.172
26.338.584
32.802
89.990
120
91.633 23.339.534
60.309
79.743
120
123.396
140.518
26.409.468
33.044
90.232
120
91.756 23.370.981
60.547
79.851
120
123.882
140.863
26.480.388
33.287
90.475
120
91.879 23.402.313
60.785
79.958
120
124.370
141.210
26.551.344
33.533
90.717
120
92.002 23.433.530
61.025
80.065
120
124.860
141.556
26.622.332
33.780
90.960
120
92.124 23.464.629
61.265
80.171
120
125.352
141.904
26.693.352
34.030
91.202
120
92.246 23.495.610
61.507
80.277
120
125.845
142.251
26.764.401
34.280
91.445
120
92.367 23.526.470
61.749
80.382
120
126.341
142.600
26.835.479
34.533
91.688
120
92.487 23.557.208
61.993
80.487
120
126.838
142.949
26.906.583
34.787
91.931
120
92.608 23.587.823
62.237
80.592
120
127.338
143.298
26.977.713
35.044
92.174
120
92.727 23.618.313
62.482
80.696
120
127.839
143.649
27.048.865
35.302
92.417
120
92.847 23.648.678
62.729
80.800
120
128.343
143.999
27.120.038
35.563
92.660
120
92.965 23.678.914
62.976
80.903
120
128.848
144.350
27.191.230
35.825
92.903
120
93.083 23.709.021
63.224
81.006
120
129.355
144.701
27.262.439
36.088
93.147
120
93.201 23.738.998
63.473
81.108
120
129.865
145.053
27.333.665
36.355
93.390
120
93.318 23.768.843
63.723
81.210
120
130.376
145.407
27.404.904
36.623
93.633
120
93.435 23.798.555
63.975
81.312
120
130.890
145.760
27.476.155
36.893
93.877
120
93.551 23.828.131
64.227
81.413
120
131.405
146.113
27.547.415
37.165
94.120
120
93.667 23.857.571
64.480
81.513
120
131.922
146.467
27.618.683
37.438
94.364
120
93.782 23.886.873
64.734
81.613
120
132.442
146.822
27.689.958
37.715
94.607
120
93.896 23.916.035
64.989
81.713
120
132.964
147.177
27.761.236
37.993
94.851
120
94.010 23.945.056
65.245
81.812
120
133.487
147.534
27.832.516
38.273
95.094
120
94.124 23.973.935
65.503
81.911
120
134.013
147.890
27.903.795
38.555
95.338
120
94.236 24.002.668
65.761
82.009
120
134.541
148.247
27.975.072
38.840
95.581
120
94.349 24.031.256
66.020
82.107
120
135.070
148.604
28.046.344
39.125
95.825
120
94.460 24.059.696
66.280
82.204
120
135.602
148.962
28.117.611
39.413
96.069
120
94.571 24.087.987
66.541
82.301
120
136.136
149.321
28.188.870
39.704
96.312
120
94.682 24.116.128
66.804
82.397
120
136.672
149.679
28.260.117
39.997
96.555
120
94.792 24.144.116
67.067
82.492
120
137.211
150.038
28.331.351
40.292
96.799
120
94.901 24.171.950
67.331
82.587
120
137.751
150.399
28.402.570
40.589
97.042
120
95.010 24.199.629
67.597
82.682
120
138.293
150.759
28.473.771
40.888
97.285
120
95.118 24.227.150
67.863
82.776
120
138.838
151.121
28.544.953
41.189
97.529
120
95.225 24.254.512
68.131
82.870
120
139.385
151.482
28.616.113
41.493
97.772
120
95.332 24.281.713
68.399
82.963
120
139.934
151.844
28.687.248
41.799
98.015
120
95.438 24.308.752
68.669
83.055
120
140.485
152.206
28.758.357
42.107
98.258
120
95.544 24.335.627
68.939
83.147
120
141.038
152.569
28.829.437
42.417
98.501
120
95.648 24.362.336
69.211
83.238
120
141.594
152.933
28.900.486
42.731
98.743
120
95.753 24.388.878
69.484
83.329
120
142.151
153.297
28.971.499
43.045
98.986
120
95.856 24.415.250
69.758
83.419
120
142.711
153.661
29.042.477
43.363
99.228
120
95.959 24.441.451
70.033
83.508
120
143.273
154.026
29.113.416
43.682
99.471
120
96.061 24.467.479
70.309
83.597
120
143.837
154.392
29.184.314
44.004
99.713
120
96.163 24.493.333
70.586
83.686
120
144.404
154.757
29.255.168
44.329
99.955
120
96.264 24.519.011
70.864
83.773
120
144.972
155.124
29.325.975
44.655
100.197
120
96.364 24.544.511
71.144
83.860
120
145.543
155.491
29.396.734
44.984
100.439
120
96.463 24.569.830
71.424
83.947
120
146.117
155.858
29.467.441
45.317
100.680
120
96.562 24.594.968
71.705
84.033
120
146.692
156.226
29.538.093
45.650
100.922
120
96.660 24.619.923
71.988
84.118
120
147.270
156.595
29.608.689
45.987
101.163
120
96.757 24.644.692
72.272
84.203
120
147.850
156.964
29.679.225
46.326
101.404
120
96.854 24.669.274
72.557
84.287
120
148.432
157.333
29.749.699
46.667
101.645
120
96.949 24.693.666
72.843
84.370
120
149.017
157.703
29.820.108
47.012
101.885
120
97.044 24.717.867
73.130
84.453
120
149.604
158.073
29.890.448
47.358
102.126
120
97.139 24.741.876
73.418
84.535
120
150.193
158.443
29.960.718
47.707
102.366
120
97.232 24.765.690
73.707
84.616
120
150.784
158.815
30.030.915
48.058
102.606
120
97.325 24.789.308
73.998
84.697
120
151.378
159.187
30.101.036
48.413
102.845
120
97.417 24.812.727
74.290
84.777
120
151.974
159.558
30.171.077
48.769
103.085
120
97.508 24.835.945
74.582
84.856
120
152.573
159.931
30.241.037
49.129
103.324
120
97.598 24.858.961
74.876
84.935
120
153.174
160.305
30.310.911
49.492
103.562
120
97.688 24.881.773
75.172
85.013
120
153.777
160.678
30.380.696
49.856
103.801
120
97.777 24.904.378
75.468
85.090
120
154.383
161.051
30.450.391
50.224
104.039
120
97.864 24.926.774
75.765
85.166
120
154.991
161.426
30.519.991
50.594
104.277
120
97.952 24.948.961
76.064
85.242
120
155.601
161.801
30.589.494
50.967
104.514
120
98.038 24.970.935
76.364
85.317
120
156.214
162.177
30.658.896
51.343
104.751
120
98.123 24.992.694
76.665
85.392
120
156.829
162.552
30.728.194
51.721
104.988
120
98.208 25.014.237
76.967
85.465
120
157.447
162.928
30.797.386
52.103
105.224
120
98.292 25.035.562
77.270
85.538
120
158.067
163.305
30.866.467
52.487
105.460
120
98.374 25.056.666
77.575
85.610
120
158.690
163.683
30.935.435
52.874
105.696
120
98.456 25.077.547
77.881
85.682
120
159.315
164.060
31.004.286
53.264
105.931
120
98.538 25.098.204
78.188
85.752
120
159.942
164.438
31.073.017
53.656
106.166
120
98.618 25.118.634
78.496
85.822
120
160.572
164.816
31.141.625
54.051
106.401
120
98.697 25.138.835
78.805
85.891
120
161.204
165.195
31.210.107
54.449
106.635
120
98.775 25.158.805
79.116
85.959
120
161.839
165.575
31.278.460
54.851
106.868
120
98.853 25.178.542
79.428
86.027
120
162.477
165.954
31.346.679
55.256
107.101
120
98.929 25.198.043
79.741
86.093
120
163.117
166.334
31.414.760
55.663
107.334
120
99.005 25.217.307
80.055
86.159
120
163.759
166.714
31.482.701
56.073
107.566
120
99.080 25.236.332
80.370
86.224
120
164.404
167.095
31.550.498
56.486
107.798
120
99.154 25.255.116
80.687
86.288
120
165.052
167.477
31.618.147
56.903
108.029
120
99.226 25.273.655
81.005
86.352
120
165.702
167.859
31.685.644
57.323
108.259
120
99.298 25.291.948
81.325
86.414
120
166.354
168.241
31.752.986
57.745
108.489
120
99.369 25.309.992
81.645
86.476
120
167.010
168.624
31.820.169
58.171
108.719
120
99.439 25.327.786
81.967
86.537
120
167.667
169.007
31.887.190
58.599
108.948
120
99.508 25.345.327
82.290
86.597
120
168.328
169.390
31.954.045
59.032
109.176
120
99.576 25.362.613
82.614
86.656
120
168.991
169.774
32.020.729
59.467
109.404
120
99.642 25.379.641
82.940
86.714
120
169.656
170.158
32.087.239
59.905
109.631
120
99.708 25.396.409
83.267
86.771
120
170.325
170.542
32.153.571
60.347
109.858
120
99.773 25.412.915
83.595
86.827
120
170.996
170.928
32.219.721
60.792
110.084
120
99.837 25.429.157
83.925
86.883
120
171.669
171.313
32.285.685
61.240
110.309
120
99.900 25.445.132
84.255
86.938
120
172.345
171.699
32.351.459
61.691
110.534
120
99.961 25.460.838
84.588
86.991
120
173.024
172.085
32.417.040
62.146
110.758
120
100.022 25.476.272
84.921
87.044
120
173.706
172.472
32.482.423
62.604
110.982
120
100.081 25.491.432
85.256
87.096
120
174.390
172.859
32.547.603
63.066
111.204
120
100.140 25.506.316
85.592
87.147
120
175.077
173.245
32.612.577
63.531
111.426
120
100.197 25.520.921
85.929
87.196
120

CPI-indexed loan with inflation cost


Index
Interest
Instalments
rate
rate
# 01/04/2013 409,9
4,10%
185 01/09/2028 848,7
4,10%
186 01/10/2028 852,0
4,10%
187 01/11/2028 855,4
4,10%
188 01/12/2028 858,7
4,10%
189 01/01/2029 862,1
4,10%
190 01/02/2029 865,5
4,10%
191 01/03/2029 868,9
4,10%
192 01/04/2029 872,4
4,10%
193 01/05/2029 875,8
4,10%
194 01/06/2029 879,3
4,10%
195 01/07/2029 882,7
4,10%
196 01/08/2029 886,2
4,10%
197 01/09/2029 889,7
4,10%
198 01/10/2029 893,2
4,10%
199 01/11/2029 896,7
4,10%
200 01/12/2029 900,3
4,10%
201 01/01/2030 903,8
4,10%
202 01/02/2030 907,4
4,10%
203 01/03/2030 910,9
4,10%
204 01/04/2030 914,5
4,10%
205 01/05/2030 918,1
4,10%
206 01/06/2030 921,8
4,10%
207 01/07/2030 925,4
4,10%
208 01/08/2030 929,0
4,10%
209 01/09/2030 932,7
4,10%
210 01/10/2030 936,4
4,10%
211 01/11/2030 940,1
4,10%
212 01/12/2030 943,8
4,10%
213 01/01/2031 947,5
4,10%
214 01/02/2031 951,2
4,10%
215 01/03/2031 955,0
4,10%
216 01/04/2031 958,7
4,10%
217 01/05/2031 962,5
4,10%
218 01/06/2031 966,3
4,10%
219 01/07/2031 970,1
4,10%
220 01/08/2031 973,9
4,10%
221 01/09/2031 977,8
4,10%
222 01/10/2031 981,6
4,10%
223 01/11/2031 985,5
4,10%
224 01/12/2031 989,4
4,10%
225 01/01/2032 993,3
4,10%
226 01/02/2032 997,2
4,10%
227 01/03/2032 1.001,1
4,10%
228 01/04/2032 1.005,1
4,10%
229 01/05/2032 1.009,0
4,10%
230 01/06/2032 1.013,0
4,10%
231 01/07/2032 1.017,0
4,10%
232 01/08/2032 1.021,0
4,10%
233 01/09/2032 1.025,0
4,10%
234 01/10/2032 1.029,1
4,10%
235 01/11/2032 1.033,1
4,10%
236 01/12/2032 1.037,2
4,10%
237 01/01/2033 1.041,3
4,10%
238 01/02/2033 1.045,4
4,10%
239 01/03/2033 1.049,5
4,10%
240 01/04/2033 1.053,7
4,10%
241 01/05/2033 1.057,8
4,10%
242 01/06/2033 1.062,0
4,10%
243 01/07/2033 1.066,2
4,10%
244 01/08/2033 1.070,4
4,10%
245 01/09/2033 1.074,6
4,10%
246 01/10/2033 1.078,8
4,10%
247 01/11/2033 1.083,1
4,10%
248 01/12/2033 1.087,3
4,10%
249 01/01/2034 1.091,6
4,10%
250 01/02/2034 1.095,9
4,10%
251 01/03/2034 1.100,3
4,10%
252 01/04/2034 1.104,6
4,10%
253 01/05/2034 1.108,9
4,10%
254 01/06/2034 1.113,3
4,10%
255 01/07/2034 1.117,7
4,10%
256 01/08/2034 1.122,1
4,10%
257 01/09/2034 1.126,5
4,10%
258 01/10/2034 1.131,0
4,10%
259 01/11/2034 1.135,4
4,10%
260 01/12/2034 1.139,9
4,10%
261 01/01/2035 1.144,4
4,10%
262 01/02/2035 1.148,9
4,10%
263 01/03/2035 1.153,4
4,10%
264 01/04/2035 1.158,0
4,10%
265 01/05/2035 1.162,6
4,10%
266 01/06/2035 1.167,1
4,10%
267 01/07/2035 1.171,7
4,10%
268 01/08/2035 1.176,4
4,10%
269 01/09/2035 1.181,0
4,10%
270 01/10/2035 1.185,6
4,10%
271 01/11/2035 1.190,3
4,10%
272 01/12/2035 1.195,0
4,10%
273 01/01/2036 1.199,7
4,10%
274 01/02/2036 1.204,4
4,10%
275 01/03/2036 1.209,2
4,10%
276 01/04/2036 1.214,0
4,10%

annuity repayments
54.095.202
Indexation
128.294
128.547
128.800
129.051
129.302
129.552
129.801
130.049
130.296
130.542
130.787
131.031
131.274
131.516
131.757
131.997
132.235
132.473
132.709
132.944
133.178
133.411
133.643
133.873
134.102
134.330
134.556
134.781
135.005
135.227
135.448
135.667
135.885
136.102
136.317
136.530
136.742
136.953
137.161
137.369
137.574
137.778
137.980
138.181
138.379
138.576
138.771
138.965
139.156
139.346
139.533
139.719
139.903
140.085
140.265
140.443
140.618
140.792
140.964
141.133
141.300
141.465
141.628
141.788
141.947
142.102
142.256
142.407
142.556
142.702
142.846
142.987
143.126
143.262
143.395
143.526
143.654
143.780
143.902
144.022
144.139
144.253
144.364
144.473
144.578
144.681
144.780
144.876
144.969
145.059
145.146
145.230

indexed fixed principal payments

20.000.000 74.095.202 47.076.314 57.600 121.229.116 39.512.743 20.000.000 59.512.743 34.385.934 57.600 93.956.277
Total Indexation
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
175.766
173.633
32.677.340
63.998
111.648
120
100.253 25.535.245
86.268
87.245
120
176.459
174.021
32.741.889
64.471
111.868
120
100.308 25.549.285
86.608
87.293
120
177.154
174.409
32.806.218
64.946
112.088
120
100.362 25.563.039
86.949
87.340
120
177.851
174.798
32.870.323
65.424
112.307
120
100.415 25.576.505
87.292
87.386
120
178.552
175.187
32.934.201
65.907
112.525
120
100.467 25.589.680
87.636
87.431
120
179.255
175.576
32.997.846
66.392
112.743
120
100.518 25.602.562
87.981
87.475
120
179.961
175.966
33.061.255
66.882
112.959
120
100.567 25.615.148
88.328
87.518
120
180.670
176.356
33.124.422
67.375
113.175
120
100.615 25.627.435
88.676
87.560
120
181.382
176.747
33.187.343
67.872
113.390
120
100.662 25.639.421
89.026
87.601
120
182.096
177.138
33.250.013
68.372
113.604
120
100.708 25.651.103
89.377
87.641
120
182.814
177.529
33.312.428
68.877
113.817
120
100.753 25.662.479
89.729
87.680
120
183.534
177.921
33.374.582
69.384
114.030
120
100.796 25.673.546
90.083
87.718
120
184.257
178.313
33.436.472
69.896
114.241
120
100.839 25.684.302
90.438
87.755
120
184.982
178.704
33.498.092
70.410
114.452
120
100.880 25.694.744
90.794
87.790
120
185.711
179.097
33.559.439
70.930
114.661
120
100.919 25.704.869
91.152
87.825
120
186.443
179.489
33.620.506
71.453
114.870
120
100.958 25.714.675
91.511
87.858
120
187.177
179.883
33.681.288
71.979
115.078
120
100.995 25.724.159
91.872
87.891
120
187.914
180.276
33.741.782
72.510
115.284
120
101.031 25.733.318
92.234
87.922
120
188.654
180.670
33.801.981
73.044
115.490
120
101.066 25.742.150
92.598
87.952
120
189.398
181.064
33.861.881
73.583
115.695
120
101.099 25.750.651
92.963
87.981
120
190.144
181.458
33.921.476
74.126
115.898
120
101.131 25.758.819
93.329
88.009
120
190.893
181.853
33.980.761
74.672
116.101
120
101.162 25.766.652
93.697
88.036
120
191.644
182.248
34.039.732
75.222
116.302
120
101.191 25.774.146
94.066
88.062
120
192.399
182.643
34.098.383
75.776
116.503
120
101.219 25.781.299
94.437
88.086
120
193.157
183.038
34.156.709
76.335
116.702
120
101.246 25.788.108
94.809
88.109
120
193.918
183.434
34.214.704
76.898
116.900
120
101.272 25.794.571
95.183
88.131
120
194.682
183.830
34.272.362
77.465
117.097
120
101.296 25.800.684
95.558
88.152
120
195.449
184.227
34.329.678
78.036
117.293
120
101.318 25.806.444
95.935
88.172
120
196.219
184.623
34.386.647
78.611
117.488
120
101.339 25.811.848
96.313
88.190
120
196.992
185.020
34.443.263
79.191
117.681
120
101.359 25.816.894
96.692
88.208
120
197.768
185.418
34.499.520
79.775
117.873
120
101.378 25.821.580
97.074
88.224
120
198.547
185.814
34.555.412
80.363
118.064
120
101.395 25.825.901
97.456
88.238
120
199.329
186.212
34.610.934
80.955
118.254
120
101.410 25.829.855
97.840
88.252
120
200.114
186.610
34.666.081
81.552
118.442
120
101.424 25.833.439
98.226
88.264
120
200.902
187.008
34.720.846
82.152
118.630
120
101.437 25.836.650
98.613
88.275
120
201.694
187.407
34.775.224
82.759
118.815
120
101.448 25.839.485
99.002
88.285
120
202.488
187.805
34.829.207
83.368
119.000
120
101.457 25.841.940
99.392
88.293
120
203.286
188.204
34.882.792
83.983
119.183
120
101.466 25.844.014
99.784
88.300
120
204.087
188.603
34.935.970
84.602
119.365
120
101.472 25.845.702
100.177
88.306
120
204.891
189.003
34.988.737
85.226
119.545
120
101.477 25.847.002
100.572
88.311
120
205.698
189.402
35.041.085
85.854
119.724
120
101.481 25.847.911
100.968
88.314
120
206.508
189.801
35.093.009
86.487
119.901
120
101.483 25.848.426
101.366
88.315
120
207.322
190.202
35.144.502
87.125
120.077
120
101.483 25.848.543
101.766
88.316
120
208.138
190.602
35.195.558
87.767
120.251
120
101.482 25.848.259
102.167
88.315
120
208.958
191.003
35.246.170
88.414
120.424
120
101.480 25.847.572
102.570
88.313
120
209.781
191.403
35.296.332
89.065
120.596
120
101.475 25.846.477
102.974
88.309
120
210.608
191.804
35.346.038
89.722
120.766
120
101.469 25.844.972
103.380
88.304
120
211.437
192.204
35.395.281
90.383
120.934
120
101.462 25.843.054
103.787
88.297
120
212.270
192.605
35.444.054
91.049
121.101
120
101.453 25.840.720
104.196
88.289
120
213.106
193.007
35.492.351
91.720
121.266
120
101.442 25.837.966
104.607
88.280
120
213.946
193.408
35.540.164
92.397
121.429
120
101.429 25.834.788
105.019
88.269
120
214.789
193.810
35.587.486
93.078
121.591
120
101.415 25.831.184
105.433
88.257
120
215.635
194.212
35.634.311
93.764
121.751
120
101.399 25.827.150
105.849
88.243
120
216.484
194.614
35.680.632
94.455
121.909
120
101.382 25.822.683
106.266
88.228
120
217.337
195.016
35.726.442
95.152
122.065
120
101.363 25.817.780
106.685
88.211
120
218.193
195.418
35.771.733
95.853
122.220
120
101.342 25.812.437
107.106
88.192
120
219.053
195.821
35.816.498
96.560
122.373
120
101.319 25.806.650
107.528
88.173
120
219.916
196.223
35.860.730
97.272
122.524
120
101.294 25.800.416
107.952
88.151
120
220.782
196.626
35.904.422
97.989
122.673
120
101.268 25.793.732
108.377
88.129
120
221.652
197.028
35.947.566
98.711
122.821
120
101.240 25.786.595
108.804
88.104
120
222.525
197.431
35.990.155
99.439
122.966
120
101.210 25.779.001
109.233
88.078
120
223.402
197.835
36.032.181
100.172
123.110
120
101.179 25.770.947
109.664
88.051
120
224.282
198.238
36.073.637
100.910
123.252
120
101.145 25.762.428
110.096
88.022
120
225.165
198.641
36.114.515
101.654
123.391
120
101.110 25.753.442
110.530
87.991
120
226.052
199.044
36.154.808
102.403
123.529
120
101.073 25.743.985
110.965
87.959
120
226.943
199.448
36.194.507
103.158
123.665
120
101.034 25.734.054
111.403
87.925
120
227.837
199.851
36.233.605
103.919
123.798
120
100.993 25.723.644
111.842
87.889
120
228.734
200.255
36.272.093
104.684
123.930
120
100.950 25.712.752
112.283
87.852
120
229.636
200.658
36.309.965
105.457
124.059
120
100.906 25.701.375
112.725
87.813
120
230.540
201.062
36.347.210
106.234
124.186
120
100.859 25.689.509
113.170
87.772
120
231.448
201.466
36.383.822
107.017
124.311
120
100.811 25.677.150
113.616
87.730
120
232.360
201.870
36.419.792
107.806
124.434
120
100.760 25.664.294
114.064
87.686
120
233.276
202.274
36.455.112
108.601
124.555
120
100.708 25.650.938
114.513
87.641
120
234.195
202.677
36.489.773
109.402
124.673
120
100.653 25.637.078
114.964
87.593
120
235.117
203.082
36.523.766
110.207
124.790
120
100.597 25.622.711
115.418
87.544
120
236.043
203.486
36.557.085
111.020
124.903
120
100.538 25.607.831
115.873
87.493
120
236.973
203.890
36.589.719
111.838
125.015
120
100.478 25.592.436
116.329
87.441
120
237.907
204.294
36.621.661
112.663
125.124
120
100.415 25.576.522
116.788
87.386
120
238.844
204.698
36.652.900
113.493
125.231
120
100.351 25.560.085
117.248
87.330
120
239.785
205.102
36.683.429
114.330
125.335
120
100.284 25.543.121
117.710
87.272
120
240.730
205.507
36.713.238
115.173
125.437
120
100.216 25.525.627
118.174
87.213
120
241.678
205.911
36.742.318
116.022
125.536
120
100.145 25.507.598
118.640
87.151
120
242.630
206.316
36.770.660
116.877
125.633
120
100.072 25.489.030
119.108
87.088
120
243.586
206.719
36.798.256
117.739
125.727
120
99.997 25.469.919
119.577
87.022
120
244.546
207.123
36.825.095
118.607
125.819
120
99.920 25.450.262
120.048
86.955
120
245.509
207.528
36.851.169
119.481
125.908
120
99.840 25.430.054
120.522
86.886
120
246.476
207.932
36.876.468
120.361
125.995
120
99.759 25.409.291
120.997
86.815
120
247.447
208.336
36.900.983
121.249
126.078
120
99.675 25.387.969
121.474
86.742
120
248.422
208.739
36.924.703
122.143
126.159
120
99.589 25.366.084
121.952
86.667
120
249.401
209.144
36.947.619
123.043
126.238
120
99.501 25.343.633
122.433
86.591
120
250.384
209.548
36.969.722
123.951
126.313
120
99.411 25.320.611
122.916
86.512
120
251.370
209.951
36.991.001
124.864
126.386
120
99.318 25.297.013
123.400
86.431
120

CPI-indexed loan with inflation cost


Index
Interest
Instalments
rate
rate
# 01/04/2013 409,9
4,10%
277 01/05/2036 1.218,7
4,10%
278 01/06/2036 1.223,5
4,10%
279 01/07/2036 1.228,4
4,10%
280 01/08/2036 1.233,2
4,10%
281 01/09/2036 1.238,1
4,10%
282 01/10/2036 1.243,0
4,10%
283 01/11/2036 1.247,9
4,10%
284 01/12/2036 1.252,8
4,10%
285 01/01/2037 1.257,7
4,10%
286 01/02/2037 1.262,7
4,10%
287 01/03/2037 1.267,6
4,10%
288 01/04/2037 1.272,6
4,10%
289 01/05/2037 1.277,7
4,10%
290 01/06/2037 1.282,7
4,10%
291 01/07/2037 1.287,7
4,10%
292 01/08/2037 1.292,8
4,10%
293 01/09/2037 1.297,9
4,10%
294 01/10/2037 1.303,0
4,10%
295 01/11/2037 1.308,2
4,10%
296 01/12/2037 1.313,3
4,10%
297 01/01/2038 1.318,5
4,10%
298 01/02/2038 1.323,7
4,10%
299 01/03/2038 1.328,9
4,10%
300 01/04/2038 1.334,2
4,10%
301 01/05/2038 1.339,4
4,10%
302 01/06/2038 1.344,7
4,10%
303 01/07/2038 1.350,0
4,10%
304 01/08/2038 1.355,3
4,10%
305 01/09/2038 1.360,7
4,10%
306 01/10/2038 1.366,0
4,10%
307 01/11/2038 1.371,4
4,10%
308 01/12/2038 1.376,8
4,10%
309 01/01/2039 1.382,2
4,10%
310 01/02/2039 1.387,7
4,10%
311 01/03/2039 1.393,2
4,10%
312 01/04/2039 1.398,6
4,10%
313 01/05/2039 1.404,2
4,10%
314 01/06/2039 1.409,7
4,10%
315 01/07/2039 1.415,3
4,10%
316 01/08/2039 1.420,8
4,10%
317 01/09/2039 1.426,4
4,10%
318 01/10/2039 1.432,1
4,10%
319 01/11/2039 1.437,7
4,10%
320 01/12/2039 1.443,4
4,10%
321 01/01/2040 1.449,1
4,10%
322 01/02/2040 1.454,8
4,10%
323 01/03/2040 1.460,5
4,10%
324 01/04/2040 1.466,3
4,10%
325 01/05/2040 1.472,0
4,10%
326 01/06/2040 1.477,8
4,10%
327 01/07/2040 1.483,7
4,10%
328 01/08/2040 1.489,5
4,10%
329 01/09/2040 1.495,4
4,10%
330 01/10/2040 1.501,3
4,10%
331 01/11/2040 1.507,2
4,10%
332 01/12/2040 1.513,1
4,10%
333 01/01/2041 1.519,1
4,10%
334 01/02/2041 1.525,1
4,10%
335 01/03/2041 1.531,1
4,10%
336 01/04/2041 1.537,1
4,10%
337 01/05/2041 1.543,2
4,10%
338 01/06/2041 1.549,3
4,10%
339 01/07/2041 1.555,4
4,10%
340 01/08/2041 1.561,5
4,10%
341 01/09/2041 1.567,7
4,10%
342 01/10/2041 1.573,8
4,10%
343 01/11/2041 1.580,0
4,10%
344 01/12/2041 1.586,3
4,10%
345 01/01/2042 1.592,5
4,10%
346 01/02/2042 1.598,8
4,10%
347 01/03/2042 1.605,1
4,10%
348 01/04/2042 1.611,4
4,10%
349 01/05/2042 1.617,8
4,10%
350 01/06/2042 1.624,2
4,10%
351 01/07/2042 1.630,6
4,10%
352 01/08/2042 1.637,0
4,10%
353 01/09/2042 1.643,4
4,10%
354 01/10/2042 1.649,9
4,10%
355 01/11/2042 1.656,4
4,10%
356 01/12/2042 1.662,9
4,10%
357 01/01/2043 1.669,5
4,10%
358 01/02/2043 1.676,1
4,10%
359 01/03/2043 1.682,7
4,10%
360 01/04/2043 1.689,3
4,10%
361 01/05/2043 1.696,0
4,10%
362 01/06/2043 1.702,7
4,10%
363 01/07/2043 1.709,4
4,10%
364 01/08/2043 1.716,1
4,10%
365 01/09/2043 1.722,9
4,10%
366 01/10/2043 1.729,7
4,10%
367 01/11/2043 1.736,5
4,10%
368 01/12/2043 1.743,3
4,10%

annuity repayments
54.095.202
Indexation
145.310
145.387
145.460
145.531
145.597
145.661
145.721
145.777
145.829
145.878
145.924
145.965
146.003
146.037
146.067
146.094
146.116
146.134
146.148
146.159
146.165
146.167
146.164
146.158
146.147
146.131
146.112
146.087
146.059
146.025
145.988
145.945
145.898
145.846
145.789
145.727
145.660
145.588
145.512
145.430
145.343
145.251
145.153
145.050
144.942
144.828
144.709
144.585
144.454
144.318
144.177
144.029
143.876
143.717
143.551
143.380
143.203
143.019
142.829
142.633
142.431
142.222
142.006
141.784
141.555
141.320
141.078
140.829
140.573
140.310
140.040
139.763
139.479
139.187
138.889
138.582
138.268
137.947
137.618
137.281
136.937
136.584
136.224
135.855
135.479
135.094
134.701
134.299
133.889
133.471
133.044
132.608

indexed fixed principal payments

20.000.000 74.095.202 47.076.314 57.600 121.229.116 39.512.743 20.000.000 59.512.743 34.385.934 57.600 93.956.277
Total Indexation
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
252.360
210.355
37.011.447
125.784
126.456
120
99.223 25.272.836
123.886
86.349
120
253.354
210.759
37.031.050
126.711
126.523
120
99.126 25.248.076
124.375
86.264
120
254.353
211.163
37.049.799
127.646
126.587
120
99.026 25.222.727
124.865
86.178
120
255.355
211.566
37.067.684
128.587
126.648
120
98.925 25.196.787
125.357
86.089
120
256.361
211.969
37.084.694
129.535
126.706
120
98.820 25.170.250
125.851
85.998
120
257.371
212.373
37.100.820
130.490
126.761
120
98.714 25.143.113
126.347
85.906
120
258.385
212.776
37.116.051
131.452
126.813
120
98.605 25.115.371
126.845
85.811
120
259.403
213.179
37.130.376
132.421
126.862
120
98.494 25.087.020
127.345
85.714
120
260.425
213.582
37.143.784
133.397
126.908
120
98.380 25.058.055
127.847
85.615
120
261.451
213.985
37.156.265
134.380
126.951
120
98.264 25.028.472
128.351
85.514
120
262.481
214.388
37.167.809
135.371
126.990
120
98.145 24.998.266
128.857
85.411
120
263.515
214.790
37.178.403
136.369
127.026
120
98.024 24.967.433
129.365
85.305
120
264.553
215.193
37.188.037
137.374
127.059
120
97.901 24.935.969
129.875
85.198
120
265.595
215.595
37.196.700
138.386
127.089
120
97.775 24.903.869
130.387
85.088
120
266.642
215.997
37.204.381
139.407
127.115
120
97.646 24.871.128
130.901
84.976
120
267.692
216.399
37.211.068
140.434
127.138
120
97.515 24.837.742
131.417
84.862
120
268.747
216.801
37.216.750
141.470
127.157
120
97.381 24.803.706
131.935
84.746
120
269.806
217.202
37.221.414
142.513
127.173
120
97.245 24.769.016
132.455
84.627
120
270.869
217.604
37.225.049
143.563
127.186
120
97.106 24.733.667
132.977
84.507
120
271.936
218.005
37.227.645
144.622
127.194
120
96.965 24.697.655
133.501
84.384
120
273.007
218.405
37.229.188
145.687
127.200
120
96.821 24.660.975
134.027
84.258
120
274.083
218.806
37.229.668
146.762
127.201
120
96.674 24.623.622
134.555
84.131
120
275.163
219.207
37.229.070
147.844
127.199
120
96.525 24.585.592
135.086
84.001
120
276.247
219.607
37.227.384
148.933
127.194
120
96.373 24.546.879
135.618
83.869
120
277.335
220.007
37.224.598
150.031
127.184
120
96.218 24.507.479
136.153
83.734
120
278.428
220.406
37.220.698
151.137
127.171
120
96.061 24.467.387
136.689
83.597
120
279.525
220.806
37.215.673
152.251
127.154
120
95.901 24.426.599
137.228
83.458
120
280.626
221.205
37.209.509
153.374
127.132
120
95.738 24.385.109
137.769
83.316
120
281.732
221.604
37.202.194
154.505
127.107
120
95.572 24.342.912
138.312
83.172
120
282.841
222.002
37.193.714
155.642
127.079
120
95.404 24.300.004
138.857
83.025
120
283.956
222.400
37.184.060
156.790
127.046
120
95.232 24.256.379
139.404
82.876
120
285.075
222.798
37.173.215
157.947
127.008
120
95.058 24.212.033
139.954
82.724
120
286.198
223.196
37.161.166
159.111
126.967
120
94.881 24.166.960
140.506
82.570
120
287.325
223.593
37.147.901
160.283
126.922
120
94.702 24.121.156
141.059
82.414
120
288.457
223.990
37.133.407
161.465
126.872
120
94.519 24.074.616
141.615
82.255
120
289.594
224.387
37.117.669
162.655
126.819
120
94.333 24.027.334
142.174
82.093
120
290.735
224.783
37.100.674
163.854
126.761
120
94.145 23.979.305
142.734
81.929
120
291.880
225.180
37.082.408
165.062
126.698
120
93.953 23.930.524
143.297
81.763
120
293.030
225.574
37.062.858
166.279
126.631
120
93.759 23.880.986
143.861
81.593
120
294.185
225.970
37.042.009
167.505
126.560
120
93.561 23.830.686
144.428
81.422
120
295.344
226.365
37.019.847
168.740
126.484
120
93.361 23.779.619
144.998
81.247
120
296.508
226.759
36.996.358
169.984
126.404
120
93.157 23.727.778
145.569
81.070
120
297.676
227.153
36.971.527
171.237
126.319
120
92.951 23.675.160
146.143
80.890
120
298.849
227.547
36.945.340
172.499
126.230
120
92.741 23.621.758
146.719
80.708
120
300.026
227.940
36.917.783
173.770
126.136
120
92.528 23.567.567
147.297
80.523
120
301.208
228.333
36.888.841
175.051
126.037
120
92.312 23.512.582
147.878
80.335
120
302.395
228.725
36.858.499
176.342
125.933
120
92.093 23.456.797
148.461
80.144
120
303.586
229.117
36.826.742
177.641
125.825
120
91.871 23.400.207
149.046
79.951
120
304.783
229.508
36.793.555
178.952
125.711
120
91.646 23.342.807
149.633
79.755
120
305.983
229.899
36.758.921
180.270
125.593
120
91.417 23.284.591
150.223
79.556
120
307.189
230.289
36.722.828
181.599
125.470
120
91.185 23.225.553
150.815
79.354
120
308.399
230.679
36.685.258
182.938
125.341
120
90.950 23.165.688
151.410
79.149
120
309.614
231.069
36.646.196
184.286
125.208
120
90.712 23.104.990
152.007
78.942
120
310.834
231.458
36.605.627
185.645
125.069
120
90.470 23.043.453
152.606
78.732
120
312.059
231.846
36.563.533
187.014
124.925
120
90.225 22.981.072
153.207
78.519
120
313.288
232.234
36.519.899
188.392
124.776
120
89.977 22.917.842
153.811
78.303
120
314.523
232.621
36.474.710
189.781
124.622
120
89.726 22.853.757
154.417
78.084
120
315.762
233.008
36.427.948
191.180
124.462
120
89.471 22.788.811
155.026
77.862
120
317.006
233.394
36.379.597
192.589
124.297
120
89.212 22.722.997
155.637
77.637
120
318.255
233.779
36.329.641
194.009
124.126
120
88.950 22.656.310
156.250
77.409
120
319.509
234.164
36.278.063
195.439
123.950
120
88.685 22.588.745
156.866
77.178
120
320.768
234.549
36.224.846
196.880
123.768
120
88.416 22.520.295
157.485
76.944
120
322.032
234.932
36.169.972
198.331
123.581
120
88.144 22.450.954
158.105
76.707
120
323.301
235.315
36.113.425
199.793
123.388
120
87.868 22.380.717
158.728
76.467
120
324.575
235.698
36.055.187
201.266
123.189
120
87.589 22.309.578
159.354
76.224
120
325.853
236.080
35.995.241
202.749
122.984
120
87.306 22.237.530
159.982
75.978
120
327.137
236.462
35.933.570
204.244
122.773
120
87.020 22.164.568
160.613
75.729
120
328.426
236.843
35.870.155
205.750
122.556
120
86.730 22.090.685
161.246
75.477
120
329.720
237.222
35.804.978
207.266
122.334
120
86.436 22.015.875
161.881
75.221
120
331.019
237.602
35.738.022
208.794
122.105
120
86.139 21.940.133
162.520
74.962
120
332.324
237.980
35.669.268
210.334
121.870
120
85.838 21.863.451
163.160
74.700
120
333.633
238.358
35.598.697
211.884
121.629
120
85.533 21.785.824
163.803
74.435
120
334.948
238.735
35.526.292
213.447
121.381
120
85.224 21.707.245
164.449
74.166
120
336.267
239.112
35.452.032
215.019
121.128
120
84.912 21.627.708
165.097
73.895
120
337.592
239.488
35.375.902
216.604
120.868
120
84.596 21.547.207
165.748
73.620
120
338.923
239.862
35.297.880
218.202
120.601
120
84.276 21.465.735
166.401
73.341
120
340.258
240.237
35.217.946
219.810
120.328
120
83.952 21.383.286
167.057
73.060
120
341.599
240.610
35.136.083
221.431
120.048
120
83.625 21.299.854
167.715
72.775
120
342.945
240.982
35.052.270
223.063
119.762
120
83.293 21.215.432
168.376
72.486
120
344.296
241.354
34.966.488
224.707
119.469
120
82.958 21.130.014
169.040
72.194
120
345.652
241.725
34.878.718
226.363
119.169
120
82.619 21.043.593
169.706
71.899
120
347.014
242.095
34.788.939
228.032
118.862
120
82.276 20.956.163
170.375
71.600
120
348.382
242.465
34.697.131
229.713
118.549
120
81.928 20.867.716
171.047
71.298
120
349.754
242.833
34.603.273
231.406
118.228
120
81.577 20.778.246
171.721
70.992
120
351.132
243.201
34.507.346
233.112
117.900
120
81.222 20.687.747
172.398
70.683
120
352.516
243.567
34.409.328
234.831
117.565
120
80.862 20.596.211
173.077
70.370
120
353.905
243.934
34.309.198
236.562
117.223
120
80.499 20.503.633
173.760
70.054
120
355.299
244.298
34.206.935
238.305
116.874
120
80.131 20.410.004
174.444
69.734
120
356.699
244.663
34.102.519
240.062
116.517
120
79.760 20.315.320
175.132
69.411
120
358.105
245.026
33.995.928
241.832
116.153
120
79.384 20.219.572
175.822
69.084
120
359.516
245.388
33.887.140
243.615
115.781
120
79.004 20.122.754
176.515
68.753
120
360.932
245.749
33.776.133
245.410
115.402
120
78.619 20.024.858
177.211
68.418
120

CPI-indexed loan with inflation cost


Index
Interest
Instalments
rate
rate
# 01/04/2013 409,9
4,10%
369 01/01/2044 1.750,2
4,10%
370 01/02/2044 1.757,1
4,10%
371 01/03/2044 1.764,0
4,10%
372 01/04/2044 1.771,0
4,10%
373 01/05/2044 1.778,0
4,10%
374 01/06/2044 1.785,0
4,10%
375 01/07/2044 1.792,0
4,10%
376 01/08/2044 1.799,1
4,10%
377 01/09/2044 1.806,2
4,10%
378 01/10/2044 1.813,3
4,10%
379 01/11/2044 1.820,4
4,10%
380 01/12/2044 1.827,6
4,10%
381 01/01/2045 1.834,8
4,10%
382 01/02/2045 1.842,0
4,10%
383 01/03/2045 1.849,3
4,10%
384 01/04/2045 1.856,6
4,10%
385 01/05/2045 1.863,9
4,10%
386 01/06/2045 1.871,3
4,10%
387 01/07/2045 1.878,6
4,10%
388 01/08/2045 1.886,0
4,10%
389 01/09/2045 1.893,5
4,10%
390 01/10/2045 1.900,9
4,10%
391 01/11/2045 1.908,4
4,10%
392 01/12/2045 1.915,9
4,10%
393 01/01/2046 1.923,5
4,10%
394 01/02/2046 1.931,1
4,10%
395 01/03/2046 1.938,7
4,10%
396 01/04/2046 1.946,3
4,10%
397 01/05/2046 1.954,0
4,10%
398 01/06/2046 1.961,7
4,10%
399 01/07/2046 1.969,4
4,10%
400 01/08/2046 1.977,2
4,10%
401 01/09/2046 1.985,0
4,10%
402 01/10/2046 1.992,8
4,10%
403 01/11/2046 2.000,7
4,10%
404 01/12/2046 2.008,6
4,10%
405 01/01/2047 2.016,5
4,10%
406 01/02/2047 2.024,4
4,10%
407 01/03/2047 2.032,4
4,10%
408 01/04/2047 2.040,4
4,10%
409 01/05/2047 2.048,5
4,10%
410 01/06/2047 2.056,5
4,10%
411 01/07/2047 2.064,6
4,10%
412 01/08/2047 2.072,8
4,10%
413 01/09/2047 2.080,9
4,10%
414 01/10/2047 2.089,1
4,10%
415 01/11/2047 2.097,4
4,10%
416 01/12/2047 2.105,6
4,10%
417 01/01/2048 2.113,9
4,10%
418 01/02/2048 2.122,3
4,10%
419 01/03/2048 2.130,6
4,10%
420 01/04/2048 2.139,0
4,10%
421 01/05/2048 2.147,5
4,10%
422 01/06/2048 2.155,9
4,10%
423 01/07/2048 2.164,4
4,10%
424 01/08/2048 2.173,0
4,10%
425 01/09/2048 2.181,5
4,10%
426 01/10/2048 2.190,1
4,10%
427 01/11/2048 2.198,8
4,10%
428 01/12/2048 2.207,4
4,10%
429 01/01/2049 2.216,1
4,10%
430 01/02/2049 2.224,9
4,10%
431 01/03/2049 2.233,6
4,10%
432 01/04/2049 2.242,4
4,10%
433 01/05/2049 2.251,3
4,10%
434 01/06/2049 2.260,1
4,10%
435 01/07/2049 2.269,1
4,10%
436 01/08/2049 2.278,0
4,10%
437 01/09/2049 2.287,0
4,10%
438 01/10/2049 2.296,0
4,10%
439 01/11/2049 2.305,0
4,10%
440 01/12/2049 2.314,1
4,10%
441 01/01/2050 2.323,2
4,10%
442 01/02/2050 2.332,4
4,10%
443 01/03/2050 2.341,6
4,10%
444 01/04/2050 2.350,8
4,10%
445 01/05/2050 2.360,1
4,10%
446 01/06/2050 2.369,4
4,10%
447 01/07/2050 2.378,7
4,10%
448 01/08/2050 2.388,1
4,10%
449 01/09/2050 2.397,5
4,10%
450 01/10/2050 2.407,0
4,10%
451 01/11/2050 2.416,5
4,10%
452 01/12/2050 2.426,0
4,10%
453 01/01/2051 2.435,5
4,10%
454 01/02/2051 2.445,1
4,10%
455 01/03/2051 2.454,8
4,10%
456 01/04/2051 2.464,5
4,10%
457 01/05/2051 2.474,2
4,10%
458 01/06/2051 2.483,9
4,10%
459 01/07/2051 2.493,7
4,10%
460 01/08/2051 2.503,5
4,10%

annuity repayments
54.095.202
Indexation
132.163
131.710
131.247
130.776
130.295
129.805
129.306
128.797
128.279
127.751
127.214
126.666
126.109
125.542
124.965
124.377
123.780
123.172
122.553
121.924
121.284
120.634
119.972
119.300
118.616
117.922
117.216
116.498
115.769
115.029
114.276
113.512
112.736
111.948
111.147
110.334
109.509
108.671
107.821
106.958
106.082
105.193
104.291
103.375
102.446
101.504
100.548
99.578
98.595
97.597
96.585
95.559
94.518
93.463
92.393
91.309
90.209
89.095
87.965
86.820
85.659
84.482
83.290
82.082
80.858
79.617
78.361
77.087
75.797
74.490
73.166
71.825
70.467
69.091
67.698
66.287
64.858
63.410
61.945
60.461
58.959
57.437
55.897
54.338
52.760
51.162
49.544
47.907
46.249
44.572
42.874
41.156

indexed fixed principal payments

20.000.000 74.095.202 47.076.314 57.600 121.229.116 39.512.743 20.000.000 59.512.743 34.385.934 57.600 93.956.277
Total Indexation
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
362.355
246.110
33.662.886
247.220
115.015
120
78.231 19.925.878
177.910
68.080
120
363.782
246.469
33.547.376
249.042
114.620
120
77.838 19.825.806
178.611
67.738
120
365.216
246.828
33.429.581
250.878
114.218
120
77.440 19.724.635
179.315
67.393
120
366.655
247.185
33.309.479
252.728
113.807
120
77.039 19.622.359
180.022
67.043
120
368.100
247.541
33.187.046
254.591
113.389
120
76.633 19.518.970
180.731
66.690
120
369.550
247.897
33.062.260
256.467
112.963
120
76.223 19.414.462
181.444
66.333
120
371.006
248.251
32.935.099
258.358
112.528
120
75.808 19.308.826
182.159
65.972
120
372.468
248.604
32.805.538
260.262
112.086
120
75.389 19.202.056
182.877
65.607
120
373.936
248.956
32.673.555
262.181
111.635
120
74.965 19.094.144
183.598
65.238
120
375.409
249.307
32.539.125
264.114
111.175
120
74.537 18.985.083
184.321
64.866
120
376.888
249.657
32.402.225
266.060
110.708
120
74.104 18.874.866
185.048
64.489
120
378.373
250.006
32.262.831
268.022
110.231
120
73.667 18.763.485
185.777
64.109
120
379.864
250.353
32.120.918
269.998
109.746
120
73.225 18.650.933
186.509
63.724
120
381.361
250.699
31.976.462
271.988
109.253
120
72.779 18.537.203
187.244
63.335
120
382.864
251.046
31.829.439
273.993
108.751
120
72.327 18.422.286
187.983
62.943
120
384.372
251.389
31.679.823
276.013
108.239
120
71.871 18.306.174
188.723
62.546
120
385.887
251.732
31.527.590
278.048
107.719
120
71.411 18.188.862
189.467
62.145
120
387.407
252.074
31.372.714
280.097
107.190
120
70.946 18.070.341
190.214
61.740
120
388.934
252.415
31.215.170
282.162
106.652
120
70.475 17.950.602
190.964
61.331
120
390.466
252.755
31.054.932
284.242
106.104
120
70.001 17.829.639
191.717
60.918
120
392.005
253.092
30.891.974
286.337
105.548
120
69.521 17.707.443
192.472
60.500
120
393.550
253.430
30.726.271
288.449
104.981
120
69.036 17.584.007
193.231
60.079
120
395.100
253.765
30.557.794
290.574
104.406
120
68.547 17.459.323
193.992
59.653
120
396.657
254.099
30.386.520
292.716
103.821
120
68.052 17.333.383
194.757
59.222
120
398.220
254.433
30.212.420
294.874
103.226
120
67.553 17.206.179
195.525
58.788
120
399.789
254.764
30.035.468
297.048
102.621
120
67.048 17.077.702
196.295
58.349
120
401.365
255.094
29.855.636
299.238
102.007
120
66.539 16.947.946
197.069
57.905
120
402.946
255.424
29.672.896
301.444
101.382
120
66.024 16.816.901
197.846
57.458
120
404.534
255.752
29.487.221
303.666
100.748
120
65.505 16.684.560
198.626
57.006
120
406.128
256.078
29.298.584
305.905
100.103
120
64.980 16.550.914
199.409
56.549
120
407.728
256.403
29.106.955
308.159
99.449
120
64.450 16.415.955
200.195
56.088
120
409.335
256.726
28.912.308
310.431
98.784
120
63.915 16.279.675
200.984
55.622
120
410.948
257.048
28.714.613
312.720
98.108
120
63.375 16.142.066
201.776
55.152
120
412.567
257.368
28.513.841
315.025
97.422
120
62.830 16.003.120
202.571
54.677
120
414.193
257.688
28.309.963
317.347
96.726
120
62.279 15.862.828
203.370
54.198
120
415.825
258.005
28.102.950
319.687
96.018
120
61.723 15.721.181
204.171
53.714
120
417.463
258.321
27.892.772
322.043
95.300
120
61.161 15.578.171
204.976
53.225
120
419.108
258.636
27.679.400
324.417
94.571
120
60.594 15.433.789
205.784
52.732
120
420.760
258.949
27.462.804
326.809
93.831
120
60.022 15.288.027
206.595
52.234
120
422.418
259.260
27.242.953
329.218
93.080
120
59.444 15.140.876
207.409
51.731
120
424.082
259.571
27.019.817
331.644
92.318
120
58.861 14.992.328
208.227
51.224
120
425.753
259.879
26.793.366
334.089
91.544
120
58.272 14.842.373
209.048
50.711
120
427.431
260.185
26.563.568
336.552
90.759
120
57.678 14.691.003
209.871
50.194
120
429.115
260.491
26.330.391
339.033
89.962
120
57.078 14.538.210
210.699
49.672
120
430.806
260.794
26.093.804
341.532
89.154
120
56.473 14.383.984
211.529
49.145
120
432.504
261.096
25.853.776
344.050
88.334
120
55.861 14.228.316
212.363
48.613
120
434.208
261.397
25.610.274
346.586
87.502
120
55.245 14.071.198
213.200
48.077
120
435.919
261.695
25.363.266
349.141
86.658
120
54.622 13.912.620
214.040
47.535
120
437.637
261.992
25.112.720
351.715
85.802
120
53.994 13.752.574
214.884
46.988
120
439.361
262.287
24.858.602
354.307
84.934
120
53.360 13.591.050
215.731
46.436
120
441.092
262.580
24.600.880
356.919
84.053
120
52.720 13.428.039
216.581
45.879
120
442.831
262.872
24.339.520
359.551
83.160
120
52.074 13.263.532
217.435
45.317
120
444.576
263.162
24.074.487
362.202
82.254
120
51.422 13.097.519
218.292
44.750
120
446.327
263.449
23.805.748
364.871
81.336
120
50.764 12.929.991
219.152
44.177
120
448.086
263.736
23.533.270
367.561
80.405
120
50.100 12.760.939
220.016
43.600
120
449.852
264.020
23.257.018
370.271
79.461
120
49.431 12.590.354
220.883
43.017
120
451.624
264.303
22.976.956
372.999
78.505
120
48.755 12.418.226
221.754
42.429
120
453.404
264.584
22.693.052
375.749
77.535
120
48.073 12.244.545
222.628
41.836
120
455.191
264.863
22.405.268
378.520
76.551
120
47.385 12.069.302
223.506
41.237
120
456.984
265.140
22.113.568
381.309
75.555
120
46.691 11.892.487
224.387
40.633
120
458.785
265.414
21.817.918
384.120
74.545
120
45.990 11.714.090
225.271
40.023
120
460.593
265.687
21.518.280
386.952
73.521
120
45.284 11.534.103
226.159
39.408
120
462.408
265.958
21.214.618
389.805
72.483
120
44.571 11.352.515
227.050
38.788
120
464.230
266.227
20.906.895
392.678
71.432
120
43.852 11.169.317
227.945
38.162
120
466.059
266.494
20.595.075
395.572
70.367
120
43.126 10.984.498
228.844
37.530
120
467.896
266.759
20.279.120
398.489
69.287
120
42.394 10.798.048
229.746
36.893
120
469.740
267.022
19.958.992
401.427
68.193
120
41.656 10.609.958
230.651
36.251
120
471.591
267.282
19.634.652
404.386
67.085
120
40.911 10.420.218
231.560
35.602
120
473.449
267.541
19.306.063
407.367
65.962
120
40.159 10.228.817
232.473
34.948
120
475.315
267.798
18.973.186
410.370
64.825
120
39.401 10.035.745
233.389
34.289
120
477.188
268.052
18.635.982
413.395
63.673
120
38.637 9.840.993
234.309
33.623
120
479.068
268.305
18.294.412
416.442
62.506
120
37.865 9.644.549
235.233
32.952
120
480.956
268.555
17.948.437
419.512
61.324
120
37.087 9.446.403
236.160
32.275
120
482.851
268.803
17.598.016
422.604
60.127
120
36.303 9.246.546
237.091
31.592
120
484.754
269.049
17.243.110
425.720
58.914
120
35.511 9.044.966
238.025
30.904
120
486.664
269.293
16.883.677
428.858
57.686
120
34.713 8.841.654
238.964
30.209
120
488.582
269.534
16.519.677
432.020
56.442
120
33.908 8.636.598
239.906
29.508
120
490.507
269.773
16.151.067
435.204
55.183
120
33.096 8.429.788
240.851
28.802
120
492.440
270.009
15.777.808
438.412
53.908
120
32.277 8.221.214
241.800
28.089
120
494.381
270.243
15.399.857
441.645
52.616
120
31.451 8.010.865
242.753
27.370
120
496.329
270.476
15.017.171
444.900
51.309
120
30.618 7.798.730
243.710
26.646
120
498.285
270.706
14.629.708
448.180
49.985
120
29.779 7.584.799
244.671
25.915
120
500.248
270.933
14.237.425
451.483
48.645
120
28.932 7.369.060
245.635
25.178
120
502.219
271.158
13.840.280
454.811
47.288
120
28.077 7.151.502
246.604
24.434
120
504.199
271.381
13.438.229
458.165
45.914
120
27.216 6.932.114
247.576
23.685
120
506.185
271.600
13.031.226
461.542
44.523
120
26.347 6.710.885
248.551
22.929
120
508.180
271.818
12.619.228
464.944
43.116
120
25.472 6.487.806
249.531
22.167
120
510.183
272.033
12.202.191
468.372
41.691
120
24.588 6.262.863
250.515
21.398
120
512.193
272.245
11.780.068
471.824
40.249
120
23.698 6.036.046
251.502
20.623
120
514.211
272.455
11.352.816
475.302
38.789
120
22.800 5.807.344
252.493
19.842
120
516.238
272.662
10.920.388
478.807
37.311
120
21.895 5.576.746
253.488
19.054
120
518.272
272.867
10.482.737
482.336
35.816
120
20.982 5.344.240
254.488
18.259
120

CPI-indexed loan with inflation cost


Index
Interest
Instalments
rate
rate
# 01/04/2013 409,9
4,10%
461 01/09/2051 2.513,4
4,10%
462 01/10/2051 2.523,3
4,10%
463 01/11/2051 2.533,3
4,10%
464 01/12/2051 2.543,3
4,10%
465 01/01/2052 2.553,3
4,10%
466 01/02/2052 2.563,3
4,10%
467 01/03/2052 2.573,4
4,10%
468 01/04/2052 2.583,6
4,10%
469 01/05/2052 2.593,8
4,10%
470 01/06/2052 2.604,0
4,10%
471 01/07/2052 2.614,3
4,10%
472 01/08/2052 2.624,6
4,10%
473 01/09/2052 2.634,9
4,10%
474 01/10/2052 2.645,3
4,10%
475 01/11/2052 2.655,7
4,10%
476 01/12/2052 2.666,2
4,10%
477 01/01/2053 2.676,7
4,10%
478 01/02/2053 2.687,2
4,10%
479 01/03/2053 2.697,8
4,10%
480 01/04/2053 2.708,5
4,10%
TOTAL:

annuity repayments

indexed fixed principal payments

54.095.202 20.000.000 74.095.202 47.076.314 57.600 121.229.116 39.512.743 20.000.000 59.512.743 34.385.934 57.600 93.956.277
Total Indexation
Total
Indexation
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
520.314
273.070
39.417 10.039.818
485.891
34.303
120
20.062 5.109.814
255.491
17.459
120
522.365
273.269
37.657 9.591.584
489.474
32.771
120
19.134 4.873.457
256.498
16.651
120
524.423
273.466
35.876 9.137.986
493.082
31.221
120
18.198 4.635.157
257.509
15.837
120
526.490
273.660
34.074 8.678.978
496.717
29.653
120
17.255 4.394.903
258.524
15.016
120
528.564
273.851
32.251 8.214.512
500.378
28.066
120
16.304 4.152.683
259.543
14.188
120
530.647
274.040
30.406 7.744.540
504.066
26.461
120
15.345 3.908.485
260.566
13.354
120
532.738
274.226
28.539 7.269.013
507.782
24.836
120
14.378 3.662.297
261.593
12.513
120
534.838
274.409
26.650 6.787.881
511.526
23.192
120
13.404 3.414.108
262.624
11.665
120
536.945
274.589
24.739 6.301.094
515.296
21.529
120
12.422 3.163.906
263.659
10.810
120
539.061
274.766
22.805 5.808.603
519.095
19.846
120
11.431 2.911.678
264.698
9.948
120
541.186
274.940
20.849 5.310.357
522.922
18.144
120
10.433 2.657.413
265.741
9.079
120
543.318
275.113
18.870 4.806.305
526.776
16.422
120
9.427 2.401.099
266.789
8.204
120
545.460
275.281
16.868 4.296.397
530.661
14.679
120
8.412 2.142.722
267.840
7.321
120
547.609
275.447
14.843 3.780.579
534.572
12.917
120
7.390 1.882.272
268.896
6.431
120
549.767
275.610
12.794 3.258.801
538.513
11.134
120
6.359 1.619.735
269.956
5.534
120
551.933
275.770
10.722 2.731.010
542.482
9.331
120
5.320 1.355.099
271.020
4.630
120
554.108
275.927
8.626 2.197.154
546.481
7.507
120
4.273 1.088.352
272.088
3.719
120
556.292
276.080
6.506 1.657.179
550.510
5.662
120
3.217
819.481
273.160
2.800
120
558.484
276.231
4.362 1.111.031
554.568
3.796
120
2.153
548.474
274.237
1.874
120
560.685
276.379
2.193
558.656
558.656
1.909
120
1.081
275.318
275.318
941
120
54.095.202
0 74.095.202 47.076.314 57.600 121.229.116 39.512.743
0 59.512.743 34.385.934 57.600 93.956.277
Total
Total
Indexation
Capital Repayment
Interest Invoice
Indexation
Capital Repayment
Interest Invoice

Nominal rate loan


Interest
Instalments
rate
# 01/04/2013 4,10%
1 01/05/2013 4,10%
2 01/06/2013 4,10%
3 01/07/2013 4,10%
4 01/08/2013 4,10%
5 01/09/2013 4,10%
6 01/10/2013 4,10%
7 01/11/2013 4,10%
8 01/12/2013 4,10%
9 01/01/2014 4,10%
10 01/02/2014 4,10%
11 01/03/2014 4,10%
12 01/04/2014 4,10%
13 01/05/2014 4,10%
14 01/06/2014 4,10%
15 01/07/2014 4,10%
16 01/08/2014 4,10%
17 01/09/2014 4,10%
18 01/10/2014 4,10%
19 01/11/2014 4,10%
20 01/12/2014 4,10%
21 01/01/2015 4,10%
22 01/02/2015 4,10%
23 01/03/2015 4,10%
24 01/04/2015 4,10%
25 01/05/2015 4,10%
26 01/06/2015 4,10%
27 01/07/2015 4,10%
28 01/08/2015 4,10%
29 01/09/2015 4,10%
30 01/10/2015 4,10%
31 01/11/2015 4,10%
32 01/12/2015 4,10%
33 01/01/2016 4,10%
34 01/02/2016 4,10%
35 01/03/2016 4,10%
36 01/04/2016 4,10%
37 01/05/2016 4,10%
38 01/06/2016 4,10%
39 01/07/2016 4,10%
40 01/08/2016 4,10%
41 01/09/2016 4,10%
42 01/10/2016 4,10%
43 01/11/2016 4,10%
44 01/12/2016 4,10%
45 01/01/2017 4,10%
46 01/02/2017 4,10%
47 01/03/2017 4,10%
48 01/04/2017 4,10%
49 01/05/2017 4,10%
50 01/06/2017 4,10%
51 01/07/2017 4,10%
52 01/08/2017 4,10%
53 01/09/2017 4,10%
54 01/10/2017 4,10%
55 01/11/2017 4,10%
56 01/12/2017 4,10%
57 01/01/2018 4,10%
58 01/02/2018 4,10%
59 01/03/2018 4,10%
60 01/04/2018 4,10%
61 01/05/2018 4,10%
62 01/06/2018 4,10%
63 01/07/2018 4,10%
64 01/08/2018 4,10%
65 01/09/2018 4,10%
66 01/10/2018 4,10%
67 01/11/2018 4,10%
68 01/12/2018 4,10%
69 01/01/2019 4,10%
70 01/02/2019 4,10%
71 01/03/2019 4,10%
72 01/04/2019 4,10%

annuity repayments

fixed principal payments

20.000.000 20.000.000 20.721.160 57.600 40.778.760 20.000.000 20.000.000 16.434.123 57.600 36.491.723
Total
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
84.956 20.000.000
110.120
20.000.000
16.503
68.333
120
41.667
68.333
120
84.956 19.958.333
109.978
19.983.497
16.559
68.277
120
41.667
68.191
120
84.956 19.916.666
109.836
19.966.938
16.616
68.220
120
41.667
68.049
120
84.956 19.874.999
109.693
19.950.322
16.672
68.164
120
41.667
67.906
120
84.956 19.833.332
109.551
19.933.650
16.729
68.107
120
41.667
67.764
120
84.956 19.791.665
109.409
19.916.921
16.787
68.049
120
41.667
67.622
120
84.956 19.749.998
109.266
19.900.134
16.844
67.992
120
41.667
67.479
120
84.956 19.708.331
109.124
19.883.290
16.901
67.935
120
41.667
67.337
120
84.956 19.666.664
108.981
19.866.389
16.959
67.877
120
41.667
67.194
120
84.956 19.624.997
108.839
19.849.430
17.017
67.819
120
41.667
67.052
120
84.956 19.583.330
108.697
19.832.413
17.075
67.761
120
41.667
66.910
120
84.956 19.541.663
108.554
19.815.338
17.134
67.702
120
41.667
66.767
120
84.956 19.499.996
108.412
19.798.204
17.192
67.644
120
41.667
66.625
120
84.956 19.458.329
108.270
19.781.012
17.251
67.585
120
41.667
66.483
120
84.956 19.416.662
108.127
19.763.761
17.310
67.526
120
41.667
66.340
120
84.956 19.374.995
107.985
19.746.451
17.369
67.467
120
41.667
66.198
120
84.956 19.333.328
107.843
19.729.082
17.428
67.408
120
41.667
66.056
120
84.956 19.291.661
107.700
19.711.654
17.488
67.348
120
41.667
65.913
120
84.956 19.249.994
107.558
19.694.166
17.548
67.288
120
41.667
65.771
120
84.956 19.208.327
107.415
19.676.618
17.608
67.228
120
41.667
65.628
120
84.956 19.166.660
107.273
19.659.010
17.668
67.168
120
41.667
65.486
120
84.956 19.124.993
107.131
19.641.342
17.728
67.108
120
41.667
65.344
120
84.956 19.083.326
106.988
19.623.614
17.789
67.047
120
41.667
65.201
120
84.956 19.041.659
106.846
19.605.825
17.849
66.987
120
41.667
65.059
120
84.956 18.999.992
106.704
19.587.976
17.910
66.926
120
41.667
64.917
120
84.956 18.958.325
106.561
19.570.066
17.972
66.864
120
41.667
64.774
120
84.956 18.916.658
106.419
19.552.094
18.033
66.803
120
41.667
64.632
120
84.956 18.874.991
106.277
19.534.061
18.095
66.741
120
41.667
64.490
120
84.956 18.833.324
106.134
19.515.966
18.156
66.680
120
41.667
64.347
120
84.956 18.791.657
105.992
19.497.810
18.218
66.618
120
41.667
64.205
120
84.956 18.749.990
105.849
19.479.592
18.281
66.555
120
41.667
64.062
120
84.956 18.708.323
105.707
19.461.311
18.343
66.493
120
41.667
63.920
120
84.956 18.666.656
105.565
19.442.968
18.406
66.430
120
41.667
63.778
120
84.956 18.624.989
105.422
19.424.562
18.469
66.367
120
41.667
63.635
120
84.956 18.583.322
105.280
19.406.093
18.532
66.304
120
41.667
63.493
120
84.956 18.541.655
105.138
19.387.561
18.595
66.241
120
41.667
63.351
120
84.956 18.499.988
104.995
19.368.966
18.659
66.177
120
41.667
63.208
120
84.956 18.458.321
104.853
19.350.307
18.722
66.114
120
41.667
63.066
120
84.956 18.416.654
104.711
19.331.585
18.786
66.050
120
41.667
62.924
120
84.956 18.374.987
104.568
19.312.799
18.851
65.985
120
41.667
62.781
120
84.956 18.333.320
104.426
19.293.948
18.915
65.921
120
41.667
62.639
120
84.956 18.291.653
104.283
19.275.033
18.980
65.856
120
41.667
62.496
120
84.956 18.249.986
104.141
19.256.053
19.044
65.792
120
41.667
62.354
120
84.956 18.208.319
103.999
19.237.009
19.110
65.726
120
41.667
62.212
120
84.956 18.166.652
103.856
19.217.899
19.175
65.661
120
41.667
62.069
120
84.956 18.124.985
103.714
19.198.724
19.240
65.596
120
41.667
61.927
120
84.956 18.083.318
103.572
19.179.484
19.306
65.530
120
41.667
61.785
120
84.956 18.041.651
103.429
19.160.178
19.372
65.464
120
41.667
61.642
120
84.956 17.999.984
103.287
19.140.806
19.438
65.398
120
41.667
61.500
120
84.956 17.958.317
103.145
19.121.368
19.505
65.331
120
41.667
61.358
120
84.956 17.916.650
103.002
19.101.863
19.571
65.265
120
41.667
61.215
120
84.956 17.874.983
102.860
19.082.292
19.638
65.198
120
41.667
61.073
120
84.956 17.833.316
102.717
19.062.654
19.705
65.131
120
41.667
60.930
120
84.956 17.791.649
102.575
19.042.949
19.773
65.063
120
41.667
60.788
120
84.956 17.749.982
102.433
19.023.176
19.840
64.996
120
41.667
60.646
120
84.956 17.708.315
102.290
19.003.336
19.908
64.928
120
41.667
60.503
120
84.956 17.666.648
102.148
18.983.428
19.976
64.860
120
41.667
60.361
120
84.956 17.624.981
102.006
18.963.452
20.044
64.792
120
41.667
60.219
120
84.956 17.583.314
101.863
18.943.408
20.113
64.723
120
41.667
60.076
120
84.956 17.541.647
101.721
18.923.295
20.181
64.655
120
41.667
59.934
120
84.956 17.499.980
101.579
18.903.114
20.250
64.586
120
41.667
59.792
120
84.956 17.458.313
101.436
18.882.864
20.320
64.516
120
41.667
59.649
120
84.956 17.416.646
101.294
18.862.544
20.389
64.447
120
41.667
59.507
120
84.956 17.374.979
101.152
18.842.155
20.459
64.377
120
41.667
59.365
120
84.956 17.333.312
101.009
18.821.696
20.529
64.307
120
41.667
59.222
120
84.956 17.291.645
100.867
18.801.167
20.599
64.237
120
41.667
59.080
120
84.956 17.249.978
100.724
18.780.568
20.669
64.167
120
41.667
58.937
120
84.956 17.208.311
100.582
18.759.899
20.740
64.096
120
41.667
58.795
120
84.956 17.166.644
100.440
18.739.159
20.811
64.025
120
41.667
58.653
120
84.956 17.124.977
100.297
18.718.348
20.882
63.954
120
41.667
58.510
120
84.956 17.083.310
100.155
18.697.466
20.953
63.883
120
41.667
58.368
120
84.956 17.041.643
100.013
18.676.513
21.025
63.811
120
41.667
58.226
120

Nominal rate loan


Interest
Instalments
rate
# 01/04/2013 4,10%
73 01/05/2019 4,10%
74 01/06/2019 4,10%
75 01/07/2019 4,10%
76 01/08/2019 4,10%
77 01/09/2019 4,10%
78 01/10/2019 4,10%
79 01/11/2019 4,10%
80 01/12/2019 4,10%
81 01/01/2020 4,10%
82 01/02/2020 4,10%
83 01/03/2020 4,10%
84 01/04/2020 4,10%
85 01/05/2020 4,10%
86 01/06/2020 4,10%
87 01/07/2020 4,10%
88 01/08/2020 4,10%
89 01/09/2020 4,10%
90 01/10/2020 4,10%
91 01/11/2020 4,10%
92 01/12/2020 4,10%
93 01/01/2021 4,10%
94 01/02/2021 4,10%
95 01/03/2021 4,10%
96 01/04/2021 4,10%
97 01/05/2021 4,10%
98 01/06/2021 4,10%
99 01/07/2021 4,10%
100 01/08/2021 4,10%
101 01/09/2021 4,10%
102 01/10/2021 4,10%
103 01/11/2021 4,10%
104 01/12/2021 4,10%
105 01/01/2022 4,10%
106 01/02/2022 4,10%
107 01/03/2022 4,10%
108 01/04/2022 4,10%
109 01/05/2022 4,10%
110 01/06/2022 4,10%
111 01/07/2022 4,10%
112 01/08/2022 4,10%
113 01/09/2022 4,10%
114 01/10/2022 4,10%
115 01/11/2022 4,10%
116 01/12/2022 4,10%
117 01/01/2023 4,10%
118 01/02/2023 4,10%
119 01/03/2023 4,10%
120 01/04/2023 4,10%
121 01/05/2023 4,10%
122 01/06/2023 4,10%
123 01/07/2023 4,10%
124 01/08/2023 4,10%
125 01/09/2023 4,10%
126 01/10/2023 4,10%
127 01/11/2023 4,10%
128 01/12/2023 4,10%
129 01/01/2024 4,10%
130 01/02/2024 4,10%
131 01/03/2024 4,10%
132 01/04/2024 4,10%
133 01/05/2024 4,10%
134 01/06/2024 4,10%
135 01/07/2024 4,10%
136 01/08/2024 4,10%
137 01/09/2024 4,10%
138 01/10/2024 4,10%
139 01/11/2024 4,10%
140 01/12/2024 4,10%
141 01/01/2025 4,10%
142 01/02/2025 4,10%
143 01/03/2025 4,10%
144 01/04/2025 4,10%

annuity repayments

fixed principal payments

20.000.000 20.000.000 20.721.160 57.600 40.778.760 20.000.000 20.000.000 16.434.123 57.600 36.491.723
Total
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
84.956 16.999.976
99.870
18.655.488
21.096
63.740
120
41.667
58.083
120
84.956 16.958.309
99.728
18.634.392
21.168
63.668
120
41.667
57.941
120
84.956 16.916.642
99.586
18.613.224
21.241
63.595
120
41.667
57.799
120
84.956 16.874.975
99.443
18.591.983
21.313
63.523
120
41.667
57.656
120
84.956 16.833.308
99.301
18.570.670
21.386
63.450
120
41.667
57.514
120
84.956 16.791.641
99.158
18.549.284
21.459
63.377
120
41.667
57.371
120
84.956 16.749.974
99.016
18.527.825
21.533
63.303
120
41.667
57.229
120
84.956 16.708.307
98.874
18.506.292
21.606
63.230
120
41.667
57.087
120
84.956 16.666.640
98.731
18.484.686
21.680
63.156
120
41.667
56.944
120
84.956 16.624.973
98.589
18.463.006
21.754
63.082
120
41.667
56.802
120
84.956 16.583.306
98.447
18.441.252
21.828
63.008
120
41.667
56.660
120
84.956 16.541.639
98.304
18.419.424
21.903
62.933
120
41.667
56.517
120
84.956 16.499.972
98.162
18.397.521
21.978
62.858
120
41.667
56.375
120
84.956 16.458.305
98.020
18.375.543
22.053
62.783
120
41.667
56.233
120
84.956 16.416.638
97.877
18.353.490
22.128
62.708
120
41.667
56.090
120
84.956 16.374.971
97.735
18.331.362
22.204
62.632
120
41.667
55.948
120
84.956 16.333.304
97.592
18.309.158
22.280
62.556
120
41.667
55.805
120
84.956 16.291.637
97.450
18.286.878
22.356
62.480
120
41.667
55.663
120
84.956 16.249.970
97.308
18.264.522
22.432
62.404
120
41.667
55.521
120
84.956 16.208.303
97.165
18.242.090
22.509
62.327
120
41.667
55.378
120
84.956 16.166.636
97.023
18.219.581
22.586
62.250
120
41.667
55.236
120
84.956 16.124.969
96.881
18.196.995
22.663
62.173
120
41.667
55.094
120
84.956 16.083.302
96.738
18.174.332
22.740
62.096
120
41.667
54.951
120
84.956 16.041.635
96.596
18.151.592
22.818
62.018
120
41.667
54.809
120
84.956 15.999.968
96.454
18.128.774
22.896
61.940
120
41.667
54.667
120
84.956 15.958.301
96.311
18.105.878
22.974
61.862
120
41.667
54.524
120
84.956 15.916.634
96.169
18.082.904
23.053
61.783
120
41.667
54.382
120
84.956 15.874.967
96.026
18.059.851
23.132
61.704
120
41.667
54.239
120
84.956 15.833.300
95.884
18.036.719
23.211
61.625
120
41.667
54.097
120
84.956 15.791.633
95.742
18.013.508
23.290
61.546
120
41.667
53.955
120
84.956 15.749.966
95.599
17.990.218
23.369
61.467
120
41.667
53.812
120
84.956 15.708.299
95.457
17.966.849
23.449
61.387
120
41.667
53.670
120
84.956 15.666.632
95.315
17.943.400
23.529
61.307
120
41.667
53.528
120
84.956 15.624.965
95.172
17.919.871
23.610
61.226
120
41.667
53.385
120
84.956 15.583.298
95.030
17.896.261
23.690
61.146
120
41.667
53.243
120
84.956 15.541.631
94.888
17.872.571
23.771
61.065
120
41.667
53.101
120
84.956 15.499.964
94.745
17.848.800
23.853
60.983
120
41.667
52.958
120
84.956 15.458.297
94.603
17.824.947
23.934
60.902
120
41.667
52.816
120
84.956 15.416.630
94.460
17.801.013
24.016
60.820
120
41.667
52.673
120
84.956 15.374.963
94.318
17.776.997
24.098
60.738
120
41.667
52.531
120
84.956 15.333.296
94.176
17.752.899
24.180
60.656
120
41.667
52.389
120
84.956 15.291.629
94.033
17.728.719
24.263
60.573
120
41.667
52.246
120
84.956 15.249.962
93.891
17.704.456
24.346
60.490
120
41.667
52.104
120
84.956 15.208.295
93.749
17.680.110
24.429
60.407
120
41.667
51.962
120
84.956 15.166.628
93.606
17.655.681
24.512
60.324
120
41.667
51.819
120
84.956 15.124.961
93.464
17.631.169
24.596
60.240
120
41.667
51.677
120
84.956 15.083.294
93.322
17.606.573
24.680
60.156
120
41.667
51.535
120
84.956 15.041.627
93.179
17.581.893
24.765
60.071
120
41.667
51.392
120
84.956 14.999.960
93.037
17.557.128
24.849
59.987
120
41.667
51.250
120
84.956 14.958.293
92.895
17.532.279
24.934
59.902
120
41.667
51.108
120
84.956 14.916.626
92.752
17.507.345
25.019
59.817
120
41.667
50.965
120
84.956 14.874.959
92.610
17.482.326
25.105
59.731
120
41.667
50.823
120
84.956 14.833.292
92.467
17.457.221
25.190
59.646
120
41.667
50.680
120
84.956 14.791.625
92.325
17.432.031
25.277
59.559
120
41.667
50.538
120
84.956 14.749.958
92.183
17.406.754
25.363
59.473
120
41.667
50.396
120
84.956 14.708.291
92.040
17.381.391
25.450
59.386
120
41.667
50.253
120
84.956 14.666.624
91.898
17.355.941
25.537
59.299
120
41.667
50.111
120
84.956 14.624.957
91.756
17.330.404
25.624
59.212
120
41.667
49.969
120
84.956 14.583.290
91.613
17.304.780
25.711
59.125
120
41.667
49.826
120
84.956 14.541.623
91.471
17.279.069
25.799
59.037
120
41.667
49.684
120
84.956 14.499.956
91.329
17.253.270
25.887
58.949
120
41.667
49.542
120
84.956 14.458.289
91.186
17.227.383
25.976
58.860
120
41.667
49.399
120
84.956 14.416.622
91.044
17.201.407
26.065
58.771
120
41.667
49.257
120
84.956 14.374.955
90.901
17.175.342
26.154
58.682
120
41.667
49.114
120
84.956 14.333.288
90.759
17.149.188
26.243
58.593
120
41.667
48.972
120
84.956 14.291.621
90.617
17.122.945
26.333
58.503
120
41.667
48.830
120
84.956 14.249.954
90.474
17.096.612
26.423
58.413
120
41.667
48.687
120
84.956 14.208.287
90.332
17.070.189
26.513
58.323
120
41.667
48.545
120
84.956 14.166.620
90.190
17.043.676
26.603
58.233
120
41.667
48.403
120
84.956 14.124.953
90.047
17.017.073
26.694
58.142
120
41.667
48.260
120
84.956 14.083.286
89.905
16.990.379
26.786
58.050
120
41.667
48.118
120
84.956 14.041.619
89.763
16.963.593
26.877
57.959
120
41.667
47.976
120

Nominal rate loan


Interest
Instalments
rate
# 01/04/2013 4,10%
145 01/05/2025 4,10%
146 01/06/2025 4,10%
147 01/07/2025 4,10%
148 01/08/2025 4,10%
149 01/09/2025 4,10%
150 01/10/2025 4,10%
151 01/11/2025 4,10%
152 01/12/2025 4,10%
153 01/01/2026 4,10%
154 01/02/2026 4,10%
155 01/03/2026 4,10%
156 01/04/2026 4,10%
157 01/05/2026 4,10%
158 01/06/2026 4,10%
159 01/07/2026 4,10%
160 01/08/2026 4,10%
161 01/09/2026 4,10%
162 01/10/2026 4,10%
163 01/11/2026 4,10%
164 01/12/2026 4,10%
165 01/01/2027 4,10%
166 01/02/2027 4,10%
167 01/03/2027 4,10%
168 01/04/2027 4,10%
169 01/05/2027 4,10%
170 01/06/2027 4,10%
171 01/07/2027 4,10%
172 01/08/2027 4,10%
173 01/09/2027 4,10%
174 01/10/2027 4,10%
175 01/11/2027 4,10%
176 01/12/2027 4,10%
177 01/01/2028 4,10%
178 01/02/2028 4,10%
179 01/03/2028 4,10%
180 01/04/2028 4,10%
181 01/05/2028 4,10%
182 01/06/2028 4,10%
183 01/07/2028 4,10%
184 01/08/2028 4,10%
185 01/09/2028 4,10%
186 01/10/2028 4,10%
187 01/11/2028 4,10%
188 01/12/2028 4,10%
189 01/01/2029 4,10%
190 01/02/2029 4,10%
191 01/03/2029 4,10%
192 01/04/2029 4,10%
193 01/05/2029 4,10%
194 01/06/2029 4,10%
195 01/07/2029 4,10%
196 01/08/2029 4,10%
197 01/09/2029 4,10%
198 01/10/2029 4,10%
199 01/11/2029 4,10%
200 01/12/2029 4,10%
201 01/01/2030 4,10%
202 01/02/2030 4,10%
203 01/03/2030 4,10%
204 01/04/2030 4,10%
205 01/05/2030 4,10%
206 01/06/2030 4,10%
207 01/07/2030 4,10%
208 01/08/2030 4,10%
209 01/09/2030 4,10%
210 01/10/2030 4,10%
211 01/11/2030 4,10%
212 01/12/2030 4,10%
213 01/01/2031 4,10%
214 01/02/2031 4,10%
215 01/03/2031 4,10%
216 01/04/2031 4,10%

annuity repayments

fixed principal payments

20.000.000 20.000.000 20.721.160 57.600 40.778.760 20.000.000 20.000.000 16.434.123 57.600 36.491.723
Total
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
84.956 13.999.952
89.620
16.936.716
26.969
57.867
120
41.667
47.833
120
84.956 13.958.285
89.478
16.909.747
27.061
57.775
120
41.667
47.691
120
84.956 13.916.618
89.335
16.882.686
27.153
57.683
120
41.667
47.548
120
84.956 13.874.951
89.193
16.855.533
27.246
57.590
120
41.667
47.406
120
84.956 13.833.284
89.051
16.828.287
27.339
57.497
120
41.667
47.264
120
84.956 13.791.617
88.908
16.800.948
27.433
57.403
120
41.667
47.121
120
84.956 13.749.950
88.766
16.773.515
27.526
57.310
120
41.667
46.979
120
84.956 13.708.283
88.624
16.745.989
27.621
57.215
120
41.667
46.837
120
84.956 13.666.616
88.481
16.718.368
27.715
57.121
120
41.667
46.694
120
84.956 13.624.949
88.339
16.690.653
27.810
57.026
120
41.667
46.552
120
84.956 13.583.282
88.197
16.662.843
27.905
56.931
120
41.667
46.410
120
84.956 13.541.615
88.054
16.634.938
28.000
56.836
120
41.667
46.267
120
84.956 13.499.948
87.912
16.606.938
28.096
56.740
120
41.667
46.125
120
84.956 13.458.281
87.769
16.578.842
28.192
56.644
120
41.667
45.982
120
84.956 13.416.614
87.627
16.550.650
28.288
56.548
120
41.667
45.840
120
84.956 13.374.947
87.485
16.522.362
28.385
56.451
120
41.667
45.698
120
84.956 13.333.280
87.342
16.493.977
28.482
56.354
120
41.667
45.555
120
84.956 13.291.613
87.199
16.465.495
28.579
56.257
120
41.666
45.413
120
84.956 13.249.947
87.058
16.436.916
28.677
56.159
120
41.667
45.271
120
84.956 13.208.280
86.914
16.408.239
28.775
56.061
120
41.666
45.128
120
84.956 13.166.614
86.773
16.379.464
28.873
55.963
120
41.667
44.986
120
84.956 13.124.947
86.630
16.350.591
28.971
55.865
120
41.666
44.844
120
84.956 13.083.281
86.488
16.321.620
29.070
55.766
120
41.667
44.701
120
84.956 13.041.614
86.345
16.292.550
29.170
55.666
120
41.666
44.559
120
84.956 12.999.948
86.203
16.263.380
29.269
55.567
120
41.667
44.416
120
84.956 12.958.281
86.060
16.234.111
29.369
55.467
120
41.666
44.274
120
84.956 12.916.615
85.919
16.204.742
29.470
55.366
120
41.667
44.132
120
84.956 12.874.948
85.775
16.175.272
29.570
55.266
120
41.666
43.989
120
84.956 12.833.282
85.634
16.145.702
29.672
55.164
120
41.667
43.847
120
84.956 12.791.615
85.491
16.116.030
29.773
55.063
120
41.666
43.705
120
84.956 12.749.949
85.349
16.086.257
29.875
54.961
120
41.667
43.562
120
84.956 12.708.282
85.206
16.056.382
29.977
54.859
120
41.666
43.420
120
84.956 12.666.616
85.065
16.026.405
30.079
54.757
120
41.667
43.278
120
84.956 12.624.949
84.921
15.996.326
30.182
54.654
120
41.666
43.135
120
84.956 12.583.283
84.780
15.966.144
30.285
54.551
120
41.667
42.993
120
84.956 12.541.616
84.637
15.935.859
30.388
54.448
120
41.666
42.851
120
84.956 12.499.950
84.495
15.905.471
30.492
54.344
120
41.667
42.708
120
84.956 12.458.283
84.352
15.874.979
30.596
54.240
120
41.666
42.566
120
84.956 12.416.617
84.210
15.844.383
30.701
54.135
120
41.667
42.423
120
84.956 12.374.950
84.067
15.813.682
30.806
54.030
120
41.666
42.281
120
84.956 12.333.284
83.926
15.782.876
30.911
53.925
120
41.667
42.139
120
84.956 12.291.617
83.782
15.751.965
31.017
53.819
120
41.666
41.996
120
84.956 12.249.951
83.641
15.720.948
31.123
53.713
120
41.667
41.854
120
84.956 12.208.284
83.498
15.689.825
31.229
53.607
120
41.666
41.712
120
84.956 12.166.618
83.356
15.658.596
31.336
53.500
120
41.667
41.569
120
84.956 12.124.951
83.213
15.627.260
31.443
53.393
120
41.666
41.427
120
84.956 12.083.285
83.072
15.595.817
31.550
53.286
120
41.667
41.285
120
84.956 12.041.618
82.928
15.564.267
31.658
53.178
120
41.666
41.142
120
84.956 11.999.952
82.787
15.532.609
31.766
53.070
120
41.667
41.000
120
84.956 11.958.285
82.643
15.500.843
31.875
52.961
120
41.666
40.857
120
84.956 11.916.619
82.502
15.468.968
31.984
52.852
120
41.667
40.715
120
84.956 11.874.952
82.359
15.436.984
32.093
52.743
120
41.666
40.573
120
84.956 11.833.286
82.217
15.404.891
32.203
52.633
120
41.667
40.430
120
84.956 11.791.619
82.074
15.372.688
32.313
52.523
120
41.666
40.288
120
84.956 11.749.953
81.933
15.340.375
32.423
52.413
120
41.667
40.146
120
84.956 11.708.286
81.789
15.307.952
32.534
52.302
120
41.666
40.003
120
84.956 11.666.620
81.648
15.275.418
32.645
52.191
120
41.667
39.861
120
84.956 11.624.953
81.505
15.242.773
32.757
52.079
120
41.666
39.719
120
84.956 11.583.287
81.363
15.210.016
32.868
51.968
120
41.667
39.576
120
84.956 11.541.620
81.220
15.177.148
32.981
51.855
120
41.666
39.434
120
84.956 11.499.954
81.079
15.144.167
33.093
51.743
120
41.667
39.292
120
84.956 11.458.287
80.935
15.111.074
33.206
51.630
120
41.666
39.149
120
84.956 11.416.621
80.794
15.077.868
33.320
51.516
120
41.667
39.007
120
84.956 11.374.954
80.650
15.044.548
33.434
51.402
120
41.666
38.864
120
84.956 11.333.288
80.509
15.011.114
33.548
51.288
120
41.667
38.722
120
84.956 11.291.621
80.366
14.977.566
33.663
51.173
120
41.666
38.580
120
84.956 11.249.955
80.224
14.943.903
33.778
51.058
120
41.667
38.437
120
84.956 11.208.288
80.081
14.910.125
33.893
50.943
120
41.666
38.295
120
84.956 11.166.622
79.940
14.876.232
34.009
50.827
120
41.667
38.153
120
84.956 11.124.955
79.796
14.842.223
34.125
50.711
120
41.666
38.010
120
84.956 11.083.289
79.655
14.808.098
34.242
50.594
120
41.667
37.868
120
84.956 11.041.622
79.512
14.773.856
34.359
50.477
120
41.666
37.726
120

Nominal rate loan


Interest
Instalments
rate
# 01/04/2013 4,10%
217 01/05/2031 4,10%
218 01/06/2031 4,10%
219 01/07/2031 4,10%
220 01/08/2031 4,10%
221 01/09/2031 4,10%
222 01/10/2031 4,10%
223 01/11/2031 4,10%
224 01/12/2031 4,10%
225 01/01/2032 4,10%
226 01/02/2032 4,10%
227 01/03/2032 4,10%
228 01/04/2032 4,10%
229 01/05/2032 4,10%
230 01/06/2032 4,10%
231 01/07/2032 4,10%
232 01/08/2032 4,10%
233 01/09/2032 4,10%
234 01/10/2032 4,10%
235 01/11/2032 4,10%
236 01/12/2032 4,10%
237 01/01/2033 4,10%
238 01/02/2033 4,10%
239 01/03/2033 4,10%
240 01/04/2033 4,10%
241 01/05/2033 4,10%
242 01/06/2033 4,10%
243 01/07/2033 4,10%
244 01/08/2033 4,10%
245 01/09/2033 4,10%
246 01/10/2033 4,10%
247 01/11/2033 4,10%
248 01/12/2033 4,10%
249 01/01/2034 4,10%
250 01/02/2034 4,10%
251 01/03/2034 4,10%
252 01/04/2034 4,10%
253 01/05/2034 4,10%
254 01/06/2034 4,10%
255 01/07/2034 4,10%
256 01/08/2034 4,10%
257 01/09/2034 4,10%
258 01/10/2034 4,10%
259 01/11/2034 4,10%
260 01/12/2034 4,10%
261 01/01/2035 4,10%
262 01/02/2035 4,10%
263 01/03/2035 4,10%
264 01/04/2035 4,10%
265 01/05/2035 4,10%
266 01/06/2035 4,10%
267 01/07/2035 4,10%
268 01/08/2035 4,10%
269 01/09/2035 4,10%
270 01/10/2035 4,10%
271 01/11/2035 4,10%
272 01/12/2035 4,10%
273 01/01/2036 4,10%
274 01/02/2036 4,10%
275 01/03/2036 4,10%
276 01/04/2036 4,10%
277 01/05/2036 4,10%
278 01/06/2036 4,10%
279 01/07/2036 4,10%
280 01/08/2036 4,10%
281 01/09/2036 4,10%
282 01/10/2036 4,10%
283 01/11/2036 4,10%
284 01/12/2036 4,10%
285 01/01/2037 4,10%
286 01/02/2037 4,10%
287 01/03/2037 4,10%
288 01/04/2037 4,10%

annuity repayments

fixed principal payments

20.000.000 20.000.000 20.721.160 57.600 40.778.760 20.000.000 20.000.000 16.434.123 57.600 36.491.723
Total
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
84.956 10.999.956
79.370
14.739.497
34.476
50.360
120
41.667
37.583
120
84.956 10.958.289
79.227
14.705.021
34.594
50.242
120
41.666
37.441
120
84.956 10.916.623
79.085
14.670.427
34.712
50.124
120
41.667
37.298
120
84.956 10.874.956
78.942
14.635.715
34.831
50.005
120
41.666
37.156
120
84.956 10.833.290
78.801
14.600.884
34.950
49.886
120
41.667
37.014
120
84.956 10.791.623
78.657
14.565.934
35.069
49.767
120
41.666
36.871
120
84.956 10.749.957
78.516
14.530.865
35.189
49.647
120
41.667
36.729
120
84.956 10.708.290
78.373
14.495.676
35.309
49.527
120
41.666
36.587
120
84.956 10.666.624
78.231
14.460.367
35.430
49.406
120
41.667
36.444
120
84.956 10.624.957
78.088
14.424.937
35.551
49.285
120
41.666
36.302
120
84.956 10.583.291
77.947
14.389.386
35.672
49.164
120
41.667
36.160
120
84.956 10.541.624
77.803
14.353.714
35.794
49.042
120
41.666
36.017
120
84.956 10.499.958
77.662
14.317.920
35.916
48.920
120
41.667
35.875
120
84.956 10.458.291
77.518
14.282.004
36.039
48.797
120
41.666
35.732
120
84.956 10.416.625
77.377
14.245.965
36.162
48.674
120
41.667
35.590
120
84.956 10.374.958
77.234
14.209.803
36.286
48.550
120
41.666
35.448
120
84.956 10.333.292
77.092
14.173.517
36.410
48.426
120
41.667
35.305
120
84.956 10.291.625
76.949
14.137.107
36.534
48.302
120
41.666
35.163
120
84.956 10.249.959
76.808
14.100.573
36.659
48.177
120
41.667
35.021
120
84.956 10.208.292
76.664
14.063.914
36.784
48.052
120
41.666
34.878
120
84.956 10.166.626
76.523
14.027.130
36.910
47.926
120
41.667
34.736
120
84.956 10.124.959
76.380
13.990.220
37.036
47.800
120
41.666
34.594
120
84.956 10.083.293
76.238
13.953.184
37.163
47.673
120
41.667
34.451
120
84.955 10.041.626
76.095
13.916.021
37.289
47.546
120
41.666
34.309
120
84.955 9.999.960
75.954
13.878.732
37.416
47.419
120
41.667
34.167
120
84.956 9.958.293
75.810
13.841.316
37.545
47.291
120
41.666
34.024
120
84.955 9.916.627
75.669
13.803.771
37.672
47.163
120
41.667
33.882
120
84.956 9.874.960
75.525
13.766.099
37.802
47.034
120
41.666
33.739
120
84.955 9.833.294
75.384
13.728.297
37.930
46.905
120
41.667
33.597
120
84.956 9.791.627
75.241
13.690.367
38.061
46.775
120
41.666
33.455
120
84.955 9.749.961
75.099
13.652.306
38.190
46.645
120
41.667
33.312
120
84.955 9.708.294
74.956
13.614.116
38.320
46.515
120
41.666
33.170
120
84.955 9.666.628
74.815
13.575.796
38.451
46.384
120
41.667
33.028
120
84.956 9.624.961
74.671
13.537.345
38.583
46.253
120
41.666
32.885
120
84.956 9.583.295
74.530
13.498.762
38.715
46.121
120
41.667
32.743
120
84.956 9.541.628
74.387
13.460.047
38.848
45.988
120
41.666
32.601
120
84.955 9.499.962
74.245
13.421.199
38.979
45.856
120
41.667
32.458
120
84.955 9.458.295
74.102
13.382.220
39.112
45.723
120
41.666
32.316
120
84.956 9.416.629
73.960
13.343.108
39.247
45.589
120
41.667
32.173
120
84.956 9.374.962
73.817
13.303.861
39.381
45.455
120
41.666
32.031
120
84.955 9.333.296
73.676
13.264.480
39.515
45.320
120
41.667
31.889
120
84.956 9.291.629
73.532
13.224.965
39.651
45.185
120
41.666
31.746
120
84.955 9.249.963
73.391
13.185.314
39.785
45.050
120
41.667
31.604
120
84.955 9.208.296
73.248
13.145.529
39.921
44.914
120
41.666
31.462
120
84.956 9.166.630
73.106
13.105.608
40.059
44.777
120
41.667
31.319
120
84.955 9.124.963
72.963
13.065.549
40.194
44.641
120
41.666
31.177
120
84.956 9.083.297
72.822
13.025.355
40.333
44.503
120
41.667
31.035
120
84.955 9.041.630
72.678
12.985.022
40.470
44.365
120
41.666
30.892
120
84.955 8.999.964
72.537
12.944.552
40.608
44.227
120
41.667
30.750
120
84.955 8.958.297
72.394
12.903.944
40.747
44.088
120
41.666
30.608
120
84.955 8.916.631
72.252
12.863.197
40.886
43.949
120
41.667
30.465
120
84.956 8.874.964
72.109
12.822.311
41.026
43.810
120
41.666
30.323
120
84.956 8.833.298
71.967
12.781.285
41.167
43.669
120
41.667
30.180
120
84.955 8.791.631
71.824
12.740.118
41.306
43.529
120
41.666
30.038
120
84.955 8.749.965
71.683
12.698.812
41.447
43.388
120
41.667
29.896
120
84.956 8.708.298
71.539
12.657.365
41.590
43.246
120
41.666
29.753
120
84.956 8.666.632
71.398
12.615.775
41.732
43.104
120
41.667
29.611
120
84.955 8.624.965
71.255
12.574.043
41.874
42.961
120
41.666
29.469
120
84.956 8.583.299
71.113
12.532.169
42.018
42.818
120
41.667
29.326
120
84.955 8.541.632
70.970
12.490.151
42.160
42.675
120
41.666
29.184
120
84.956 8.499.966
70.829
12.447.991
42.305
42.531
120
41.667
29.042
120
84.956 8.458.299
70.685
12.405.686
42.450
42.386
120
41.666
28.899
120
84.955 8.416.633
70.544
12.363.236
42.594
42.241
120
41.667
28.757
120
84.955 8.374.966
70.400
12.320.642
42.739
42.096
120
41.666
28.614
120
84.956 8.333.300
70.259
12.277.903
42.886
41.950
120
41.667
28.472
120
84.956 8.291.633
70.116
12.235.017
43.033
41.803
120
41.666
28.330
120
84.956 8.249.967
69.974
12.191.984
43.180
41.656
120
41.667
28.187
120
84.956 8.208.300
69.831
12.148.804
43.328
41.508
120
41.666
28.045
120
84.955 8.166.634
69.690
12.105.476
43.475
41.360
120
41.667
27.903
120
84.955 8.124.967
69.546
12.062.001
43.623
41.212
120
41.666
27.760
120
84.955 8.083.301
69.405
12.018.378
43.772
41.063
120
41.667
27.618
120
84.956 8.041.634
69.262
11.974.606
43.923
40.913
120
41.666
27.476
120

Nominal rate loan


Interest
Instalments
rate
# 01/04/2013 4,10%
289 01/05/2037 4,10%
290 01/06/2037 4,10%
291 01/07/2037 4,10%
292 01/08/2037 4,10%
293 01/09/2037 4,10%
294 01/10/2037 4,10%
295 01/11/2037 4,10%
296 01/12/2037 4,10%
297 01/01/2038 4,10%
298 01/02/2038 4,10%
299 01/03/2038 4,10%
300 01/04/2038 4,10%
301 01/05/2038 4,10%
302 01/06/2038 4,10%
303 01/07/2038 4,10%
304 01/08/2038 4,10%
305 01/09/2038 4,10%
306 01/10/2038 4,10%
307 01/11/2038 4,10%
308 01/12/2038 4,10%
309 01/01/2039 4,10%
310 01/02/2039 4,10%
311 01/03/2039 4,10%
312 01/04/2039 4,10%
313 01/05/2039 4,10%
314 01/06/2039 4,10%
315 01/07/2039 4,10%
316 01/08/2039 4,10%
317 01/09/2039 4,10%
318 01/10/2039 4,10%
319 01/11/2039 4,10%
320 01/12/2039 4,10%
321 01/01/2040 4,10%
322 01/02/2040 4,10%
323 01/03/2040 4,10%
324 01/04/2040 4,10%
325 01/05/2040 4,10%
326 01/06/2040 4,10%
327 01/07/2040 4,10%
328 01/08/2040 4,10%
329 01/09/2040 4,10%
330 01/10/2040 4,10%
331 01/11/2040 4,10%
332 01/12/2040 4,10%
333 01/01/2041 4,10%
334 01/02/2041 4,10%
335 01/03/2041 4,10%
336 01/04/2041 4,10%
337 01/05/2041 4,10%
338 01/06/2041 4,10%
339 01/07/2041 4,10%
340 01/08/2041 4,10%
341 01/09/2041 4,10%
342 01/10/2041 4,10%
343 01/11/2041 4,10%
344 01/12/2041 4,10%
345 01/01/2042 4,10%
346 01/02/2042 4,10%
347 01/03/2042 4,10%
348 01/04/2042 4,10%
349 01/05/2042 4,10%
350 01/06/2042 4,10%
351 01/07/2042 4,10%
352 01/08/2042 4,10%
353 01/09/2042 4,10%
354 01/10/2042 4,10%
355 01/11/2042 4,10%
356 01/12/2042 4,10%
357 01/01/2043 4,10%
358 01/02/2043 4,10%
359 01/03/2043 4,10%
360 01/04/2043 4,10%

annuity repayments

fixed principal payments

20.000.000 20.000.000 20.721.160 57.600 40.778.760 20.000.000 20.000.000 16.434.123 57.600 36.491.723
Total
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
84.955 7.999.968
69.120
11.930.683
44.072
40.763
120
41.667
27.333
120
84.956 7.958.301
68.977
11.886.611
44.223
40.613
120
41.666
27.191
120
84.956 7.916.635
68.836
11.842.388
44.375
40.461
120
41.667
27.049
120
84.955 7.874.968
68.692
11.798.013
44.525
40.310
120
41.666
26.906
120
84.955 7.833.302
68.551
11.753.488
44.677
40.158
120
41.667
26.764
120
84.956 7.791.635
68.407
11.708.811
44.831
40.005
120
41.666
26.621
120
84.955 7.749.969
68.266
11.663.980
44.983
39.852
120
41.667
26.479
120
84.956 7.708.302
68.123
11.618.997
45.138
39.698
120
41.666
26.337
120
84.955 7.666.636
67.981
11.573.859
45.291
39.544
120
41.667
26.194
120
84.956 7.624.969
67.838
11.528.568
45.447
39.389
120
41.666
26.052
120
84.955 7.583.303
67.697
11.483.121
45.601
39.234
120
41.667
25.910
120
84.955 7.541.636
67.553
11.437.520
45.757
39.078
120
41.666
25.767
120
84.956 7.499.970
67.412
11.391.763
45.914
38.922
120
41.667
25.625
120
84.955 7.458.303
67.269
11.345.849
46.070
38.765
120
41.666
25.483
120
84.956 7.416.637
67.127
11.299.779
46.228
38.608
120
41.667
25.340
120
84.956 7.374.970
66.984
11.253.551
46.386
38.450
120
41.666
25.198
120
84.956 7.333.304
66.842
11.207.165
46.545
38.291
120
41.667
25.055
120
84.955 7.291.637
66.699
11.160.620
46.703
38.132
120
41.666
24.913
120
84.955 7.249.971
66.558
11.113.917
46.862
37.973
120
41.667
24.771
120
84.956 7.208.304
66.414
11.067.055
47.024
37.812
120
41.666
24.628
120
84.955 7.166.638
66.273
11.020.031
47.183
37.652
120
41.667
24.486
120
84.956 7.124.971
66.130
10.972.848
47.345
37.491
120
41.666
24.344
120
84.956 7.083.305
65.988
10.925.503
47.507
37.329
120
41.667
24.201
120
84.956 7.041.638
65.845
10.877.996
47.670
37.166
120
41.666
24.059
120
84.955 6.999.972
65.704
10.830.326
47.831
37.004
120
41.667
23.917
120
84.956 6.958.305
65.560
10.782.495
47.996
36.840
120
41.666
23.774
120
84.955 6.916.639
65.419
10.734.499
48.159
36.676
120
41.667
23.632
120
84.955 6.874.972
65.275
10.686.340
48.323
36.512
120
41.666
23.489
120
84.956 6.833.306
65.134
10.638.017
48.489
36.347
120
41.667
23.347
120
84.956 6.791.639
64.991
10.589.528
48.655
36.181
120
41.666
23.205
120
84.956 6.749.973
64.849
10.540.873
48.821
36.015
120
41.667
23.062
120
84.956 6.708.306
64.706
10.492.052
48.988
35.848
120
41.666
22.920
120
84.955 6.666.640
64.565
10.443.064
49.155
35.680
120
41.667
22.778
120
84.955 6.624.973
64.421
10.393.909
49.322
35.513
120
41.666
22.635
120
84.956 6.583.307
64.280
10.344.587
49.492
35.344
120
41.667
22.493
120
84.956 6.541.640
64.137
10.295.095
49.661
35.175
120
41.666
22.351
120
84.955 6.499.974
63.995
10.245.434
49.830
35.005
120
41.667
22.208
120
84.956 6.458.307
63.852
10.195.604
50.001
34.835
120
41.666
22.066
120
84.955 6.416.641
63.711
10.145.603
50.171
34.664
120
41.667
21.924
120
84.955 6.374.974
63.567
10.095.432
50.342
34.493
120
41.666
21.781
120
84.956 6.333.308
63.426
10.045.090
50.515
34.321
120
41.667
21.639
120
84.956 6.291.641
63.282
9.994.575
50.688
34.148
120
41.666
21.496
120
84.955 6.249.975
63.141
9.943.887
50.860
33.975
120
41.667
21.354
120
84.956 6.208.308
62.998
9.893.027
51.035
33.801
120
41.666
21.212
120
84.955 6.166.642
62.856
9.841.992
51.208
33.627
120
41.667
21.069
120
84.956 6.124.975
62.713
9.790.784
51.384
33.452
120
41.666
20.927
120
84.956 6.083.309
62.572
9.739.400
51.560
33.276
120
41.667
20.785
120
84.955 6.041.642
62.428
9.687.840
51.735
33.100
120
41.666
20.642
120
84.955 5.999.976
62.287
9.636.105
51.912
32.923
120
41.667
20.500
120
84.955 5.958.309
62.144
9.584.193
52.089
32.746
120
41.666
20.358
120
84.956 5.916.643
62.002
9.532.104
52.268
32.568
120
41.667
20.215
120
84.955 5.874.976
61.859
9.479.836
52.446
32.389
120
41.666
20.073
120
84.955 5.833.310
61.717
9.427.390
52.625
32.210
120
41.667
19.930
120
84.956 5.791.643
61.574
9.374.765
52.806
32.030
120
41.666
19.788
120
84.955 5.749.977
61.433
9.321.959
52.985
31.850
120
41.667
19.646
120
84.955 5.708.310
61.289
9.268.974
53.166
31.669
120
41.666
19.503
120
84.956 5.666.644
61.148
9.215.808
53.349
31.487
120
41.667
19.361
120
84.955 5.624.977
61.005
9.162.459
53.530
31.305
120
41.666
19.219
120
84.955 5.583.311
60.863
9.108.929
53.713
31.122
120
41.667
19.076
120
84.956 5.541.644
60.720
9.055.216
53.897
30.939
120
41.666
18.934
120
84.955 5.499.978
60.579
9.001.319
54.080
30.755
120
41.667
18.792
120
84.956 5.458.311
60.435
8.947.239
54.266
30.570
120
41.666
18.649
120
84.956 5.416.645
60.294
8.892.973
54.452
30.384
120
41.667
18.507
120
84.955 5.374.978
60.151
8.838.521
54.637
30.198
120
41.666
18.365
120
84.956 5.333.312
60.009
8.783.884
54.824
30.012
120
41.667
18.222
120
84.955 5.291.645
59.866
8.729.060
55.011
29.824
120
41.666
18.080
120
84.956 5.249.979
59.724
8.674.049
55.200
29.636
120
41.667
17.937
120
84.955 5.208.312
59.581
8.618.849
55.387
29.448
120
41.666
17.795
120
84.956 5.166.646
59.440
8.563.462
55.578
29.258
120
41.667
17.653
120
84.955 5.124.979
59.296
8.507.884
55.766
29.069
120
41.666
17.510
120
84.956 5.083.313
59.155
8.452.118
55.958
28.878
120
41.667
17.368
120
84.955 5.041.646
59.012
8.396.160
56.148
28.687
120
41.666
17.226
120

Nominal rate loan


Interest
Instalments
rate
# 01/04/2013 4,10%
361 01/05/2043 4,10%
362 01/06/2043 4,10%
363 01/07/2043 4,10%
364 01/08/2043 4,10%
365 01/09/2043 4,10%
366 01/10/2043 4,10%
367 01/11/2043 4,10%
368 01/12/2043 4,10%
369 01/01/2044 4,10%
370 01/02/2044 4,10%
371 01/03/2044 4,10%
372 01/04/2044 4,10%
373 01/05/2044 4,10%
374 01/06/2044 4,10%
375 01/07/2044 4,10%
376 01/08/2044 4,10%
377 01/09/2044 4,10%
378 01/10/2044 4,10%
379 01/11/2044 4,10%
380 01/12/2044 4,10%
381 01/01/2045 4,10%
382 01/02/2045 4,10%
383 01/03/2045 4,10%
384 01/04/2045 4,10%
385 01/05/2045 4,10%
386 01/06/2045 4,10%
387 01/07/2045 4,10%
388 01/08/2045 4,10%
389 01/09/2045 4,10%
390 01/10/2045 4,10%
391 01/11/2045 4,10%
392 01/12/2045 4,10%
393 01/01/2046 4,10%
394 01/02/2046 4,10%
395 01/03/2046 4,10%
396 01/04/2046 4,10%
397 01/05/2046 4,10%
398 01/06/2046 4,10%
399 01/07/2046 4,10%
400 01/08/2046 4,10%
401 01/09/2046 4,10%
402 01/10/2046 4,10%
403 01/11/2046 4,10%
404 01/12/2046 4,10%
405 01/01/2047 4,10%
406 01/02/2047 4,10%
407 01/03/2047 4,10%
408 01/04/2047 4,10%
409 01/05/2047 4,10%
410 01/06/2047 4,10%
411 01/07/2047 4,10%
412 01/08/2047 4,10%
413 01/09/2047 4,10%
414 01/10/2047 4,10%
415 01/11/2047 4,10%
416 01/12/2047 4,10%
417 01/01/2048 4,10%
418 01/02/2048 4,10%
419 01/03/2048 4,10%
420 01/04/2048 4,10%
421 01/05/2048 4,10%
422 01/06/2048 4,10%
423 01/07/2048 4,10%
424 01/08/2048 4,10%
425 01/09/2048 4,10%
426 01/10/2048 4,10%
427 01/11/2048 4,10%
428 01/12/2048 4,10%
429 01/01/2049 4,10%
430 01/02/2049 4,10%
431 01/03/2049 4,10%
432 01/04/2049 4,10%

annuity repayments

fixed principal payments

20.000.000 20.000.000 20.721.160 57.600 40.778.760 20.000.000 20.000.000 16.434.123 57.600 36.491.723
Total
Total
Capital Repayment
Interest Invoice
Capital Repayment
Interest Invoice
84.956 4.999.980
58.870
8.340.012
56.341
28.495
120
41.667
17.083
120
84.955 4.958.313
58.727
8.283.671
56.532
28.303
120
41.666
16.941
120
84.956 4.916.647
58.586
8.227.139
56.727
28.109
120
41.667
16.799
120
84.955 4.874.980
58.442
8.170.412
56.919
27.916
120
41.666
16.656
120
84.956 4.833.314
58.301
8.113.493
57.115
27.721
120
41.667
16.514
120
84.955 4.791.647
58.157
8.056.378
57.309
27.526
120
41.666
16.371
120
84.956 4.749.981
58.016
7.999.069
57.506
27.330
120
41.667
16.229
120
84.955 4.708.314
57.873
7.941.563
57.701
27.134
120
41.666
16.087
120
84.956 4.666.648
57.731
7.883.862
57.899
26.937
120
41.667
15.944
120
84.956 4.624.981
57.588
7.825.963
58.097
26.739
120
41.666
15.802
120
84.956 4.583.315
57.447
7.767.866
58.296
26.540
120
41.667
15.660
120
84.955 4.541.648
57.303
7.709.570
58.494
26.341
120
41.666
15.517
120
84.956 4.499.982
57.162
7.651.076
58.695
26.141
120
41.667
15.375
120
84.955 4.458.315
57.019
7.592.381
58.894
25.941
120
41.666
15.233
120
84.956 4.416.649
56.877
7.533.487
59.097
25.739
120
41.667
15.090
120
84.955 4.374.982
56.734
7.474.390
59.298
25.537
120
41.666
14.948
120
84.955 4.333.316
56.592
7.415.092
59.500
25.335
120
41.667
14.805
120
84.956 4.291.649
56.449
7.355.592
59.704
25.132
120
41.666
14.663
120
84.955 4.249.983
56.308
7.295.888
59.907
24.928
120
41.667
14.521
120
84.956 4.208.316
56.164
7.235.981
60.113
24.723
120
41.666
14.378
120
84.956 4.166.650
56.023
7.175.868
60.318
24.518
120
41.667
14.236
120
84.956 4.124.983
55.880
7.115.550
60.525
24.311
120
41.666
14.094
120
84.955 4.083.317
55.738
7.055.025
60.730
24.105
120
41.667
13.951
120
84.956 4.041.650
55.595
6.994.295
60.939
23.897
120
41.666
13.809
120
84.955 3.999.984
55.454
6.933.356
61.146
23.689
120
41.667
13.667
120
84.956 3.958.317
55.310
6.872.210
61.356
23.480
120
41.666
13.524
120
84.955 3.916.651
55.169
6.810.854
61.565
23.270
120
41.667
13.382
120
84.955 3.874.984
55.026
6.749.289
61.775
23.060
120
41.666
13.240
120
84.956 3.833.318
54.884
6.687.514
61.987
22.849
120
41.667
13.097
120
84.955 3.791.651
54.741
6.625.527
62.198
22.637
120
41.666
12.955
120
84.955 3.749.985
54.599
6.563.329
62.410
22.425
120
41.667
12.812
120
84.956 3.708.318
54.456
6.500.919
62.625
22.211
120
41.666
12.670
120
84.955 3.666.652
54.315
6.438.294
62.837
21.998
120
41.667
12.528
120
84.956 3.624.985
54.171
6.375.457
63.053
21.783
120
41.666
12.385
120
84.956 3.583.319
54.030
6.312.404
63.269
21.567
120
41.667
12.243
120
84.955 3.541.652
53.887
6.249.135
63.484
21.351
120
41.666
12.101
120
84.955 3.499.986
53.745
6.185.651
63.701
21.134
120
41.667
11.958
120
84.955 3.458.319
53.602
6.121.950
63.918
20.917
120
41.666
11.816
120
84.956 3.416.653
53.461
6.058.032
64.138
20.698
120
41.667
11.674
120
84.955 3.374.986
53.317
5.993.894
64.356
20.479
120
41.666
11.531
120
84.956 3.333.320
53.176
5.929.538
64.577
20.259
120
41.667
11.389
120
84.955 3.291.653
53.032
5.864.961
64.796
20.039
120
41.666
11.246
120
84.956 3.249.987
52.891
5.800.165
65.019
19.817
120
41.667
11.104
120
84.955 3.208.320
52.748
5.735.146
65.240
19.595
120
41.666
10.962
120
84.956 3.166.654
52.606
5.669.906
65.464
19.372
120
41.667
10.819
120
84.955 3.124.987
52.463
5.604.442
65.686
19.149
120
41.666
10.677
120
84.956 3.083.321
52.322
5.538.756
65.912
18.924
120
41.667
10.535
120
84.955 3.041.654
52.178
5.472.844
66.136
18.699
120
41.666
10.392
120
84.956 2.999.988
52.037
5.406.708
66.363
18.473
120
41.667
10.250
120
84.956 2.958.321
51.894
5.340.345
66.590
18.246
120
41.666
10.108
120
84.955 2.916.655
51.752
5.273.755
66.816
18.019
120
41.667
9.965
120
84.956 2.874.988
51.609
5.206.939
67.046
17.790
120
41.666
9.823
120
84.955 2.833.322
51.468
5.139.893
67.274
17.561
120
41.667
9.681
120
84.955 2.791.655
51.324
5.072.619
67.504
17.331
120
41.666
9.538
120
84.955 2.749.989
51.183
5.005.115
67.734
17.101
120
41.667
9.396
120
84.956 2.708.322
51.039
4.937.381
67.967
16.869
120
41.666
9.253
120
84.955 2.666.656
50.898
4.869.414
68.198
16.637
120
41.667
9.111
120
84.955 2.624.989
50.755
4.801.216
68.431
16.404
120
41.666
8.969
120
84.956 2.583.323
50.613
4.732.785
68.666
16.170
120
41.667
8.826
120
84.955 2.541.656
50.470
4.664.119
68.899
15.936
120
41.666
8.684
120
84.955 2.499.990
50.329
4.595.220
69.135
15.700
120
41.667
8.542
120
84.956 2.458.323
50.185
4.526.085
69.372
15.464
120
41.666
8.399
120
84.955 2.416.657
50.044
4.456.713
69.608
15.227
120
41.667
8.257
120
84.955 2.374.990
49.901
4.387.105
69.846
14.989
120
41.666
8.115
120
84.956 2.333.324
49.759
4.317.259
70.085
14.751
120
41.667
7.972
120
84.955 2.291.657
49.616
4.247.174
70.324
14.511
120
41.666
7.830
120
84.956 2.249.991
49.474
4.176.850
70.565
14.271
120
41.667
7.687
120
84.955 2.208.324
49.331
4.106.285
70.805
14.030
120
41.666
7.545
120
84.956 2.166.658
49.190
4.035.480
71.048
13.788
120
41.667
7.403
120
84.956 2.124.991
49.046
3.964.432
71.291
13.545
120
41.666
7.260
120
84.955 2.083.325
48.905
3.893.141
71.533
13.302
120
41.667
7.118
120
84.956 2.041.658
48.762
3.821.608
71.779
13.057
120
41.666
6.976
120

Nominal rate loan


Interest
Instalments
rate
# 01/04/2013 4,10%
433 01/05/2049 4,10%
434 01/06/2049 4,10%
435 01/07/2049 4,10%
436 01/08/2049 4,10%
437 01/09/2049 4,10%
438 01/10/2049 4,10%
439 01/11/2049 4,10%
440 01/12/2049 4,10%
441 01/01/2050 4,10%
442 01/02/2050 4,10%
443 01/03/2050 4,10%
444 01/04/2050 4,10%
445 01/05/2050 4,10%
446 01/06/2050 4,10%
447 01/07/2050 4,10%
448 01/08/2050 4,10%
449 01/09/2050 4,10%
450 01/10/2050 4,10%
451 01/11/2050 4,10%
452 01/12/2050 4,10%
453 01/01/2051 4,10%
454 01/02/2051 4,10%
455 01/03/2051 4,10%
456 01/04/2051 4,10%
457 01/05/2051 4,10%
458 01/06/2051 4,10%
459 01/07/2051 4,10%
460 01/08/2051 4,10%
461 01/09/2051 4,10%
462 01/10/2051 4,10%
463 01/11/2051 4,10%
464 01/12/2051 4,10%
465 01/01/2052 4,10%
466 01/02/2052 4,10%
467 01/03/2052 4,10%
468 01/04/2052 4,10%
469 01/05/2052 4,10%
470 01/06/2052 4,10%
471 01/07/2052 4,10%
472 01/08/2052 4,10%
473 01/09/2052 4,10%
474 01/10/2052 4,10%
475 01/11/2052 4,10%
476 01/12/2052 4,10%
477 01/01/2053 4,10%
478 01/02/2053 4,10%
479 01/03/2053 4,10%
480 01/04/2053 4,10%
TOTAL:

annuity repayments
20.000.000
Capital
3.749.829
3.677.806
3.605.536
3.533.019
3.460.255
3.387.242
3.313.980
3.240.467
3.166.703
3.092.687
3.018.419
2.943.896
2.869.118
2.794.086
2.718.796
2.643.250
2.567.446
2.491.383
2.415.059
2.338.475
2.261.630
2.184.521
2.107.150
2.029.513
1.951.612
1.873.445
1.795.010
1.716.308
1.637.336
1.558.095
1.478.582
1.398.799
1.318.743
1.238.413
1.157.809
1.076.929
995.774
914.340
832.628
750.638
668.367
585.815
502.982
419.865
336.464
252.778
168.806
84.547
0
Capital

fixed principal payments

20.000.000 20.721.160 57.600 40.778.760 20.000.000 20.000.000 16.434.123 57.600 36.491.723


Total
Total
Repayment
Interest Invoice
Capital Repayment
Interest Invoice
84.955 1.999.992
48.620
72.023
12.812
120
41.667
6.833
120
84.956 1.958.325
48.477
72.270
12.566
120
41.666
6.691
120
84.956 1.916.659
48.336
72.517
12.319
120
41.667
6.549
120
84.955 1.874.992
48.192
72.764
12.071
120
41.666
6.406
120
84.956 1.833.326
48.051
73.013
11.823
120
41.667
6.264
120
84.955 1.791.659
47.908
73.262
11.573
120
41.666
6.122
120
84.956 1.749.993
47.766
73.513
11.323
120
41.667
5.979
120
84.956 1.708.326
47.623
73.764
11.072
120
41.666
5.837
120
84.956 1.666.660
47.481
74.016
10.820
120
41.667
5.694
120
84.955 1.624.993
47.338
74.268
10.567
120
41.666
5.552
120
84.956 1.583.327
47.197
74.523
10.313
120
41.667
5.410
120
84.956 1.541.660
47.053
74.778
10.058
120
41.666
5.267
120
84.955 1.499.994
46.912
75.032
9.803
120
41.667
5.125
120
84.956 1.458.327
46.769
75.290
9.546
120
41.666
4.983
120
84.955 1.416.661
46.627
75.546
9.289
120
41.667
4.840
120
84.955 1.374.994
46.484
75.804
9.031
120
41.666
4.698
120
84.955 1.333.328
46.343
76.063
8.772
120
41.667
4.556
120
84.956 1.291.661
46.199
76.324
8.512
120
41.666
4.413
120
84.955 1.249.995
46.058
76.584
8.251
120
41.667
4.271
120
84.955 1.208.328
45.914
76.845
7.990
120
41.666
4.128
120
84.956 1.166.662
45.773
77.109
7.727
120
41.667
3.986
120
84.955 1.124.995
45.630
77.371
7.464
120
41.666
3.844
120
84.956 1.083.329
45.488
77.637
7.199
120
41.667
3.701
120
84.955 1.041.662
45.345
77.901
6.934
120
41.666
3.559
120
84.955
45.204
78.167
6.668
120
999.996
41.667
3.417
120
84.956
45.060
78.435
6.401
120
958.329
41.666
3.274
120
84.955
44.919
78.702
6.133
120
916.663
41.667
3.132
120
84.956
44.776
78.972
5.864
120
874.996
41.666
2.990
120
84.955
44.634
79.241
5.594
120
833.330
41.667
2.847
120
84.956
44.491
79.513
5.323
120
791.663
41.666
2.705
120
84.955
44.349
79.783
5.052
120
749.997
41.667
2.562
120
84.955
44.206
80.056
4.779
120
708.330
41.666
2.420
120
84.956
44.065
80.330
4.506
120
666.664
41.667
2.278
120
84.955
43.921
80.604
4.231
120
624.997
41.666
2.135
120
84.956
43.780
80.880
3.956
120
583.331
41.667
1.993
120
84.955
43.637
81.155
3.680
120
541.664
41.666
1.851
120
84.956
43.495
81.434
3.402
120
499.998
41.667
1.708
120
84.956
43.352
81.712
3.124
120
458.331
41.666
1.566
120
84.955
43.211
81.990
2.845
120
416.665
41.667
1.424
120
84.956
43.067
82.271
2.565
120
374.998
41.666
1.281
120
84.956
42.926
82.552
2.284
120
333.332
41.667
1.139
120
84.955
42.783
82.833
2.002
120
291.665
41.666
997
120
84.956
42.641
83.117
1.719
120
249.999
41.667
854
120
84.956
42.498
83.401
1.435
120
208.332
41.666
712
120
84.956
42.356
83.686
1.150
120
166.666
41.667
569
120
84.956
42.213
83.972
864
120
124.999
41.666
427
120
84.956
42.072
84.259
577
120
83.333
41.667
285
120
84.956
41.928
84.547
289
120
41.666
41.666
142
120
20.000.000 20.721.160 57.600 40.778.760
0 20.000.000 16.434.123 57.600 36.491.723
Total
Total
Repayment
Interest Invoice
Capital Repayment
Interest Invoice