Chargement...
Chargement...
Fixed-rate amortising loan, monthly payments and declared annual available cash flow. No bank threshold, credit refusal or downside scenario is assumed.
End-of-month payments, without grace periods, floating rates, prepayment or balloon. Annualised service represents 12 payments and recurring costs; the schedule uses months actually due, including a partial final period. Upfront fees are separate from recurring service. Calculations retain precision before display to cents; contractual value dates and rounding may differ.
The numerator is cash actually available for debt service under the stated scope: explain included taxes, working capital and investments. EBITDA is not substituted automatically. The schedule assumes uniform constant cash flow, prorated by months.
The entered threshold is a dossier assumption. Capacity solves the same payment model, after recurring costs, to meet that threshold; it is neither a loan offer nor a bank decision. LTV uses documented property value, not total project cost.
Complete amounts and references. Missing data is not zero. Zero debt has no DSCR; loan costs must then be zero.
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