 |
|
|
|
Long Term Compound Interest Projections
Tables below show the effect of Capital Appreciation on your investment from 1- 20 years
Choose the table that you feel best projects your estimate of average year Capital increases.
your choice of average yearly increases in value of 4% 5% 6% 7% 8% 9% or 10%
The 25 year average increase in value across the Gold Coast is 9.03% per year.
Naturally no one can accurately predict the increases of a certain property in advance,
The example in the tables are based on borrowing all the purchase price of $350,000 and the costs of borrowing ($15,000) so total borrowings are $365,000. Interest only at 7%
This is a simple guide only; we recommend you consult your financial advisor before considering any purchase
You may be very surprised the effect of receiving increases on your property on top of last years increase, repeated year after year this is called the magic of compound interest |
.
|
After
Year |
Asset
Cost |
Total
Borrowings |
%
Increase |
New
Value |
Profit |
|
1 |
|
2 |
|
3 |
|
4 |
|
5 |
|
6 |
|
7 |
|
8 |
|
9 |
|
10 |
|
11 |
|
12 |
|
13 |
|
14 |
|
15 |
|
16 |
|
17 |
|
18 |
|
19 |
|
20 | |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 | |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 | |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 |
|
4 | |
| 364,600 |
| 379,184 |
| 394,351 |
| 410,125 |
| 426,530 |
| 443,592 |
| 461,335 |
| 479,789 |
| 498,980 |
| 518,939 |
| 539,697 |
| 561,285 |
| 583,736 |
| 607,086 |
| 631,369 |
| 656,624 |
| 682,889 |
| 710,205 |
| 738,613 |
| 768,157 | |
| -400 |
| 14,184 |
| 29,351 |
| 45,125 |
| 61,530 |
| 78,592 |
| 96,335 |
| 114,789 |
| 133,980 |
| 153,939 |
| 174,697 |
| 196,285 |
| 218,736 |
| 242,086 |
| 266,369 |
| 291,624 |
| 317,889 |
| 345,205 |
| 373,613 |
| 403,157 | |
|
After
Year |
Asset
Cost |
Total
Borrowings |
%
increase |
New
Value |
Profit |
|
|
1 |
|
2 |
|
3 |
|
4 |
|
5 |
|
6 |
|
7 |
|
8 |
|
9 |
|
10 |
|
11 |
|
12 |
|
13 |
|
14 |
|
15 |
|
16 |
|
17 |
|
18 |
|
19 |
|
20 | |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 | |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 | |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 |
|
5 | |
|
368,250 |
|
386,663 |
|
405,996 |
|
426,295 |
|
447,610 |
|
469,991 |
|
493,490 |
|
518,165 |
|
544,073 |
|
571,277 |
|
599,840 |
|
629,832 |
|
661,324 |
|
694,390 |
|
729,110 |
|
765,565 |
|
803,844 |
|
844,036 |
|
886,238 |
|
930,549 | |
|
3,250 |
|
21,663 |
|
40,996 |
|
61,295 |
|
82,610 |
|
104,991 |
|
128,490 |
|
153,165 |
|
179,073 |
|
206,277 |
|
234,840 |
|
264,832 |
|
296,324 |
|
329,390 |
|
364,110 |
|
400,565 |
|
438,844 |
|
479,036 |
|
521,238 |
|
565,549 | |
|
After
Year |
Asset
Cost |
Total
Borrowings |
%
increase |
New
Value |
Profit |
|
1 |
|
2 |
|
3 |
|
4 |
|
5 |
|
6 |
|
7 |
|
8 |
|
9 |
|
10 |
|
11 |
|
12 |
|
13 |
|
14 |
|
15 |
|
16 |
|
17 |
|
18 |
|
19 |
|
20 | |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 | |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 | |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 |
|
6 | |
| 371,000 |
| 393,260 |
| 416,856 |
| 441,867 |
| 468,379 |
| 496,482 |
| 526,271 |
| 557,847 |
| 591,318 |
| 626,797 |
| 664,404 |
| 704,269 |
| 746,525 |
| 791,316 |
| 838,795 |
| 889,123 |
| 942,470 |
| 999,019 |
| 1,058,960 |
| 1,122,497 | |
|
6,000 |
|
28,260 |
|
51,856 |
|
76,867 |
|
103,379 |
|
131,482 |
|
161,271 |
|
192,847 |
|
226,318 |
|
261,797 |
|
299,404 |
|
339,269 |
|
381,525 |
|
426,316 |
|
473,795 |
|
524,123 |
|
577,470 |
|
634,019 |
|
693,960 |
|
757,497 | |
After
Year |
Asset
Cost |
Total
Borrowings |
%
increase |
New
Value |
Profit |
|
1 |
|
2 |
|
3 |
|
4 |
|
5 |
|
6 |
|
7 |
|
8 |
|
9 |
|
10 |
|
11 |
|
12 |
|
13 |
|
14 |
|
15 |
|
16 |
|
17 |
|
18 |
|
19 |
|
20 | |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 | |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 | |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 |
|
7 | |
|
375,550 |
|
401,839 |
|
429,967 |
|
460,065 |
|
492,269 |
|
526,728 |
|
563,599 |
|
603,051 |
|
645,265 |
|
690,433 |
|
738,764 |
|
790,477 |
|
845,811 |
|
905,017 |
|
968,369 |
|
1,036,154 |
|
1,108,685 |
|
1,186,293 |
|
1,269,334 |
|
1,358,187 | |
| 10,550 |
| 36,839 |
| 64,967 |
| 95,065 |
| 127,269 |
| 161,728 |
| 198,599 |
| 238,051 |
| 280,265 |
| 325,433 |
| 373,764 |
| 425,477 |
| 480,811 |
| 540,017 |
| 603,369 |
| 671,154 |
| 743,685 |
| 821,293 |
| 904,334 |
| 993,187 | |
|
After
Year |
Asset
Cost |
Total
Borrowings |
%
increase |
New
Value |
Profit |
|
1 |
|
2 |
|
3 |
|
4 |
|
5 |
|
6 |
|
7 |
|
8 |
|
9 |
|
10 |
|
11 |
|
12 |
|
13 |
|
14 |
|
15 |
|
16 |
|
17 |
|
18 |
|
19 |
|
20 | |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 | |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 | |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 |
|
8 | |
|
379,200 |
|
409,536 |
|
442,299 |
|
477,683 |
|
515,897 |
|
557,169 |
|
601,743 |
|
649,882 |
|
701,873 |
|
758,023 |
|
818,664 |
|
884,158 |
|
954,890 |
|
1,031,281 |
|
1,113,784 |
|
1,202,887 |
|
1,299,117 |
|
1,403,047 |
|
1,515,291 |
|
1,636,514 | |
| 14,200 |
| 44,536 |
| 77,299 |
| 112,683 |
| 150,897 |
| 192,169 |
| 236,743 |
| 284,882 |
| 336,873 |
| 393,023 |
| 453,664 |
| 519,158 |
| 589,890 |
| 666,281 |
| 748,784 |
| 837,887 |
| 934,117 |
| 1,038,047 |
| 1,150,291 |
| 1,271,514 | |
|
After
Year |
Asset
Cost |
Total
Borrowings |
%
increase |
New
Value |
Profit |
|
1 |
|
2 |
|
3 |
|
4 |
|
5 |
|
6 |
|
7 |
|
8 |
|
9 |
|
10 |
|
11 |
|
12 |
|
13 |
|
14 |
|
15 |
|
16 |
|
17 |
|
18 |
|
19 |
|
20 | |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 |
|
350,000 | |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 |
|
365,000 | |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 |
|
9 | |
| | | |