This template enables users to record transactions for an unlimited number of buy to let property investments and to view a comprehensive analysis of annual & cumulative investment return on an individual property or portfolio basis. Users can create an unlimited number of property codes, record basic income & expense transactions for all properties and capture annual bond & market values for each property. A comprehensive annual & cumulative investment return analysis is produced based on this user input. This is by far the most comprehensive & accurate actual investment return calculation solution that is available for the South African residential property market!

This template enables users to compile a comprehensive analysis of annual & cumulative investment return for any primary residence. The template can be used for multiple primary residences and includes the functionality to measure operational costs like water & electricity on a monthly basis. Users record monthly expenses and annual market values & outstanding bond amounts. The template produces an automated comprehensive investment return analysis which includes calculations of the annual & cumulative capital growth, the annual return on equity and the cumulative internal rate of return (IRR).

This template enables users to calculate the capital gains tax that is payable when a residential property is sold. Users are required to enter the selling price, selling costs, initial transfer costs, total renovation costs, property purchase price and the total income from other sources. An entity form also needs to be selected and a checkbox can be selected if the property is a primary residence. The template includes calculations of the income tax on income from other sources and the combined taxable income (including the capital gain) as well as the capital gains tax amount and effective capital gains tax percentage.

This template enables users to calculate the income tax that is payable on the residential property transactions that relate to the current income tax assessment period. Users are required to enter all the appropriate property transaction totals and the taxable income that is derived from other sources of income. An income tax amount is then calculated based on the income from other sources, the combined taxable income (including the residential property transactions) and only the residential property transactions.

This template enables users to calculate an accurate estimate of the transfer and bond costs that will be incurred when purchasing a residential property. The template includes a transfer & bond cost calculation sheet, detailed transfer & bond cost tables and a sheet which includes all the cost variables that are used in the transfer & bond cost calculations. All the calculations in the template can be updated automatically by simply editing the appropriate default values that have been included on a separate sheet and it is therefore extremely easy to update the template calculations when changes in the default variables occur.

This template enables users to compile a bond statement for any bond that is repaid on a monthly basis and subject to daily interest calculations. The template has been designed specifically for the analysis of bonds that are subject to variable interest rates and also accommodates ad hoc bond repayments that fall outside the scope of most standard amortization tables. Interest calculations are based on daily bond balances (same calculation basis as used by most financial institutions) and an unlimited number of interest rate changes can be recorded.

This template enables users to compile a monthly bond amortization table that accommodates variable monthly interest rates and an unlimited number of ad hoc bond repayments. The template also includes an annual bond amortization table that is compiled based on the appropriate amounts in the monthly bond amortization table. User input is limited to entering a bond amount, bond period, bond start date and an interest rate discount or premium in the appropriate input cells and entering monthly prime interest rates and ad hoc bond repayments on separate sheets.

This template enables users to calculate an accurate estimate of the effective interest rate of a bond. The calculation is based on a standard amortization table that incorporates variable monthly interest rates. The monthly prime interest rates need to be entered by the user and a rate discount percentage is applied in order to determine the appropriate monthly interest rates. An amortization table that is automatically calculated is used to determine the effective interest rate at the end of each annual interval. The template also includes effective interest charts.

This template enables users to calculate an outstanding rental deposit amount based on the requirement that rental deposits need to be kept in an interest-bearing account for the duration of a property rental agreement. The template accommodates multiple deposits, fixed or variable interest rates and any lease period. Interest calculations are fully automated and an outstanding rental deposit amount is also calculated automatically. The template is suitable for estate agents, property lessors and property lessees.