Direct DEBT under 4% LONGER TERMS 25, 30 , 40 year AMORT 3, 5, 15, 25 year Term

Direct Debt - Loan Examples

 

Example: 3M, 4.5%, 20 yr. AMORT

Loan amount: $3,000,000.00

Initial deposit: $155,000.00

Loan payments: $4,319,729.94

Total payable: $4,474,729.94

240 monthly payments of: $17,998.87

Total interest: $1,474,729.94

Start date: June 7, 2016

End date: June 7, 2036

Extra fees: TBD

Interest Rate: 4.5%

Effective Annual Rate: 4.59%

APR (?): 4.59%

 

 

Example: 5M, 4.33%, 20 yrs. AMORT

Loan amount: $5,000,000.00

Initial deposit: $175,000.00

Loan payments: $7,220,243.66

Total payable: $7,395,243.66

240 monthly payments of: $30,084.35

Total interest: $2,395,243.66

Start date: June 7, 2016

End date: June 7, 2036

Extra fees: TBD

Interest Rate: 4.33%

Effective Annual Rate: 4.42%

APR (?): 4.42%

 

 

Example: 7M, 4.5%, 20 yrs. AMORT

Loan amount: $7,000,000.00

Initial deposit: $255,000.00

Loan payments: $10,241,328.10

Total payable: $10,496,328.10

240 monthly payments of: $42,672.20

Total interest: $3,496,328.10

Start date: June 7, 2016

End date: June 7, 2036

Extra fees: TBD

Interest Rate: 4.5%

Effective Annual Rate: 4.59%

APR (?): 4.59%

 

 

Example: 8M, Loan Amount, 4.10% interest rate, 40 yr, AMORT, $ 32,152.79 monthly payments P/I

Loan amount: $8,000,000.00

Initial deposit:$420,000.00

Loan payments:$15,433,340.14

Total payable:$15,853,340.14

480 monthly payments of:$32,152.79

Total interest:$7,853,340.14

Start date: June 7, 2016

End date: June 7, 2056

Extra fees: TBD

Interest Rate: 4.10%

Effective Annual Rate: 4.18%

APR (?): 4.18%

 

Example: 12M / 90% LTC, 3.98% interest rate, Loan Amount 10.8m, 40 yr AMORT, $ 43,127.98 monthly payment P/ I

Loan amount: $10,800,000.00

Initial deposit:$450,000.00

Loan payments:$20,701,430.15

Total payable:$21,151,430.15

480 monthly payments of:$43,127.98

Total interest:$10,351,430.15

Start date: June 8, 2016

End date: June 8, 2056

Extra fees: TBD

Interest Rate: 3.98%

Effective Annual Rate: 4.05%

APR (?): 4.05%

 

Example: 15M (Direct Debt Option),  20 yr. AMORT, 5.25% interest rate, NO Penalties, NO Equity Shares

Loan amount: $15,000,000.00

Initial deposit: $675,000.00

Loan payments: $23,166,762.44

Balloon payment at end: N/A

Total payable: $23,841,762.44

240 monthly payments of: $96,528.18

Total interest: $8,841,762.44

Start date: November 2, 2015

End date: November 2, 2035

Extra fees: TBD

Interest Rate: 5.25%

Effective Annual Rate: 5.38%

APR (?): 5.38%

Example: 35M (Direct Debt) Option,  20 yr. AMORT, 5.10% interest rate, NO Penalties, NO Equity Shares

Loan amount: $35,000,000.00

Initial deposit: $1,700,000.00

Loan payments: $53,186,155.85

Balloon payment at end: N/A

Total payable: $54,886,155.85

240 monthly payments of: $221,608.98

Total interest: $19,886,155.85

Start date: November 5, 2015

End date: November 5, 2035

Extra fees: TBD

Interest Rate: 5.10%

Effective Annual Rate: 5.22%

APR (?): 5.22%

 

 

Example 40M (Direct Debt) Loan amount: $40,000,000.00

Initial deposit: $1,400,000.00

Loan payments: $62,086,665.64

Total payable: $63,486,665.64

300 monthly payments of: $206,955.55

Total interest: $23,486,665.64

Start date: June 15, 2015

End date: June 15, 2040

Extra fees: TBA

Interest Rate: 4.15%

Effective Annual Rate: 4.23%

APR (?): 4.23%

 

 

Example 50M, (Direct Debt) Loan amount: $50,000,000.00

Initial deposit: $1,700,000.00

240 monthly payments of: $318,758.62

Start date: May 11, 2015

End date: May 11, 2035

Balloon payment at end: NA

Total payable: $78,202,069.29

Total interest: $28,202,069.29

Extra fees: TBD

Interest Rate: 5.00%

Effective Annual Rate: 5.12%

APR (?): 5.12%

 

 

 

Example: 75M (Direct Debt) Loan amount, 25 yr. Amort, 4.10% interest rate, P & I $368,028.07 mthly

Loan amount: $75,000,000.00

Initial deposit: $6,000,000.00

Loan payments: $110,408,419.64

Balloon payment at end: TBD

Total payable: $116,408,419.64

300 monthly payments of: $368,028.07

Total interest: $41,408,419.64

Start date: November 23, 2015

End date: November 23, 2040

Extra fees: TBD

Interest Rate: 4.10%

Effective Annual Rate: 4.18%

APR (?): 4.18%

 

 

Example:  105M Loan Amount, 3.75% interest rate, 25 year AMORT, $ 523,385.56 Monthly payments + interest

Loan amount: $105,000,000.00

Initial deposit: $3,200,000.00

Loan payments: $157,015,668.36

Total payable: $160,215,668.36

300 monthly payments of: $523,385.56

Total interest: $55,215,668.36

Start date: March 8, 2016

End date: March 8, 2041

Loan Servicing fees: TBD

Interest Rate: 3.75%

Effective Annual Rate: 3.82%

APR (?): 3.82%

 

 

Example:  110M Loan Amount, 25 year AMORT, 3.75% interest rate, $ 548,577.99 Monthly Payments + Interest

Loan amount: $110,000,000.00

Initial deposit: $3,300,000.00

Loan payments: $164,573,396.99

Total payable: $167,873,396.99

300 monthly payments of: $548,577.99

Total interest: $57,873,396.99

Start date: March 17, 2016

End date: March 17, 2041

Loan Servicing Fees: TBD

Interest Rate: 3.75%

Effective Annual Rate: 3.82%

APR (?): 3.82%

 

 

 

 

 

Example: 120M Loan Amount, 25 year AMORT, 3.75% interest rate, $ 598,448.72 monthly payments + interest

Loan amount: $120,000,000.00 

Initial deposit: $3,600,000.00

Loan payments: $179,534,614.90

Total payable: $183,134,614.90

300 monthly payments of: $598,448.72

Total interest: $63,134,614.90

Start date: March 14, 2016

End date: March 14, 2041

Loan Servicing fees: TBD

Interest Rate: 3.75%

Effective Annual Rate: 3.82%

APR (?): 3.82%

 

 

Example:  200M Loan Amount, 3.85% Interest Rate, 20 AMORT, $ 1,154,343.77 Monthly Payments + Interest

Loan amount: $200,000,000.00

Initial deposit: $7,000,000.00

Loan payments: $277,042,505.32

Balloon payment at end: TBD

Total payable: $284,042,505.32

240 monthly payments of: $1,154,343.77

Total interest: $84,042,505.32

Start date: March 23, 2016

End date: March 23, 2036

Loan Servicing Fees: TBD

Interest Rate: 3.85%

Effective Annual Rate: 3.92%

APR (?): 3.92%

 

350m Direct Debt, 4% interest, 25 yr AMORT, repayment P/ I $1,773,531.78

Loan amount: $350,000,000

Initial deposit: $14,000,000.00

Loan payments: $532,059,535.02

Total payable: $546,059,535.02

300 monthly payments of: $1,773,531.78

Total interest: $196,059,535.02

Start date: December 29, 2016

End date: November 29, 2041

Interest Rate: 4%

Effective Annual Rate: 4.07%

APR (?): 4.07%

 

AN example of direct debt – 25m loan amount, 3.86% interest, 25 year     AMORT, and 25year Term. P/I repayment amount $ 124,832.98

Loan amount: $25,000,000.00

Initial deposit: $1,000,000.00

Loan payments: $37,449,894.62

Total payable: $38,449,894.62

300 monthly payments of: $124,832.98

Total interest: $13,449,894.62

Start date: March 21, 2017

End date: February 21, 2042

Interest Rate: 3.86%

Effective Annual Rate: 3.93%

APR (?): 3.93%

 

 

 

Example – 40 % Stake / 70% LTC , $ 420m , 3 year Term, with a Balloon Exit

Loan amount: $420,000,000.00

Initial deposit: $1,680,000.00

Loan payments: $92,063,876.19

Balloon payment at end: $400,000,000.00

Total payable: $493,743,876.19

36 monthly payments of: $2,557,329.89

Total interest: $73,743,876.19

Start date: September 13, 2016

End date: August 13, 2019

Interest Rate: 6%

Effective Annual Rate: 6.17%

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