{"id":4599,"date":"2016-10-27T12:00:45","date_gmt":"2016-10-27T14:55:16","guid":{"rendered":"http:\/\/margill.com\/en\/?p=4599"},"modified":"2025-10-10T11:08:35","modified_gmt":"2025-10-10T15:08:35","slug":"real-estate","status":"publish","type":"post","link":"https:\/\/margill.com\/en\/real-estate\/","title":{"rendered":"Real-estate"},"content":{"rendered":"<p>&nbsp;<\/p>\n<h3 style=\"text-align: center;\">The choice of thousands<\/h3>\n<ul>\n<li>Mortgage brokers<\/li>\n<li>Property managers\n<ul>\n<li>Residential<\/li>\n<li>Office and industrial<\/li>\n<li>Commercial centers<\/li>\n<li>Retirement homes<\/li>\n<\/ul>\n<\/li>\n<li>Land developpers<\/li>\n<li>Home builders<\/li>\n<li>General contractors<\/li>\n<li>Architects<\/li>\n<li>Corporate and personal lenders<\/li>\n<li>Accountants<\/li>\n<li>Law offices<\/li>\n<li>Government agencies<\/li>\n<li>SMEs and large corporations<\/li>\n<li>Insurance companies<\/li>\n<li>See also <a href=\"\/en\/finance\/\">Finance<\/a>, <a href=\"\/en\/accounting\/\">Accounting<\/a><\/li>\n<\/ul>\n<h3><b class=\"texteOrange\"><span style=\"font-size: small;\">Common real-estate related calculations<\/span><\/b><\/h3>\n<ul>\n<li>Mortgages (regular and irregular payments at fixed or variable interest rates, lump sums, interest only, fixed principal&#8230;)<\/li>\n<li>Variable-rate mortgage with payments adjusted according to the interest rates in force<\/li>\n<li>Mortgage includes unknown future interest rates with payments adjusted as these rates become known<\/li>\n<li>Mortgage comparisons<\/li>\n<li>Mortgage schedules<\/li>\n<li>Loans &#8211; corporate and personal including APR (Annual Percentage Rate) calculation<\/li>\n<li>Present value calculations (regular, irregular, indexed future cash flows) for investment (land purchase decisions)<\/li>\n<\/ul>\n<h3 class=\"texteOrange\"><span style=\"font-size: small;\"><b>Standards-based<\/b><\/span><\/h3>\n<ul>\n<li><b>International standards and recognized principles<\/b> for the calculation of interest (Americas, Europe, Asia, Australia, Africa)<\/li>\n<li><b>United States banking rules <\/b>(Regulation Z, Truth in Lending Act)<\/li>\n<li><b>European Community rules <\/b>(Directive 98\/7\/CE)<\/li>\n<li><b>Canadian rules<\/b><\/li>\n<li><b>Day count <\/b>conventions: Actual\/actual (also known as Actual\/365), 30\/360, Actual\/360, Actual\/365(Fixed)<\/li>\n<li>Actuarial rule (Normal amortization), Fixed capital and Interest only<\/li>\n<li>APR (Annual Percentage Rate) calculation<\/li>\n<\/ul>\n<ul>\n<li><b>Simple<\/b> and <b>Compound<\/b> interest<\/li>\n<li><b>Unique<\/b> (fixed) or <b>variable<\/b> interest rates<\/li>\n<li>4-decimal-point accuracy<\/li>\n<li>Multi-currency<\/li>\n<li>Printed reports that include quarterly and \/or annual and choice of the financial year-end<\/li>\n<li>Export of the data to Excel,Word, XML, RTF<\/li>\n<\/ul>\n<p align=\"center\"><a href=\"\/en\/specialized-features\/\"><b>Highly specialized features<\/b><\/a><br \/>\n(for total accuracy in Amortization)<\/p>\n<h3><b class=\"texteOrange\"><span style=\"font-size: small;\">Real-life examples of various calculations<\/span><\/b><\/h3>\n<p>Click to see Margill examples:<\/p>\n<ul>\n<li><a href=\"\/en\/mortgages\/#1\">Regular mortgage<\/a>\n<ul>\n<li>USA, Europe, Australia&#8230;<\/li>\n<li>Canada<\/li>\n<\/ul>\n<\/li>\n<li><a href=\"\/en\/mortgages\/#2\">Irregular mortgage with lump sum payments and variable interest rates<\/a><\/li>\n<li><a href=\"\/en\/mortgages\/#3-1\">Variable-rate mortgage with payments adjusted according to the interest rates in force<\/a><\/li>\n<li><a href=\"\/en\/loans\/#4-1\">Mortgage includes unknown future interest rates with payments adjusted as these rates become known<\/a><\/li>\n<li><a href=\"\/en\/loans\/#3\">Loan with regular payments<\/a><\/li>\n<li><a href=\"\/en\/loans\/#7\">Loan with APR (Annual Percentage Rate) calculation<\/a><\/li>\n<li><a href=\"\/en\/loans\/ #4\">Irregular loan &#8211; <span class=\"texteRouge\">let&#8217;s make this fun!<\/span> refund interest only, then of a fixed principal amount and a regular refund. Let&#8217;s include missed and late payments and even an NSF check!<\/a><\/li>\n<li><a href=\"\/en\/loans\/#4-1\">Loan that includes unknown future interest rates with payments adjusted as these rates become known<\/a><\/li>\n<li><a href=\"\/en\/asset-finance-leasing\/#3\">Decision to purchase land or not based on purchase price and future profits generated<\/a><\/li>\n<li><a href=\"\/en\/investments\/#2\">Annual Rate of return<\/a><\/li>\n<li><a href=\"\/en\/investments\/#2a\">Annual Rate of return in complex situations (regular or irregular investments and payouts)<\/a><\/li>\n<\/ul>\n<table class=\"texteRouge\" border=\"1\" width=\"80%\" cellspacing=\"0\" cellpadding=\"15\" align=\"center\" bgcolor=\"#FFCC99\">\n<tbody>\n<tr align=\"center\">\n<td height=\"98\">\n<h3><b><span style=\"font-size: small;\">Fully exploit the power of Margill!<\/span><\/b><\/h3>\n<p align=\"left\">Once the amortization schedule is calculated, use the<b> <a href=\"\/en\/real-estate\/\">right mouse click<\/a> <\/b>to create totally custom payment schedules: interest only, fixed principal, irregular payment amounts and dates, lump sum, missed and extra payments, variable interest rates, new principal, etc.<\/p>\n<h3><b><span style=\"font-size: small;\">TOTAL flexibility available ONLY in Margill<\/span><\/b><\/h3>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b><span class=\"texteNoirSize2\" style=\"font-size: small;\">Multiple variable interest rate tables and indexation tables included &#8211; OR create your own<\/span><\/b><\/h3>\n<ul>\n<li>All variable interest rates can be incremented (or reduced) by x% as of any date<br \/>\nFor example, prime + 2,5% starting November 15, 2004<\/li>\n<\/ul>\n<h3><b class=\"texteNoir\">Central Bank interest tables<\/b><\/h3>\n<ul>\n<li>United-States &#8211; Discount rate (Federal reserve)<\/li>\n<li>Great-Britain &#8211; Repo rate<\/li>\n<li>Canada &#8211; Target rate (preferential)<\/li>\n<li>Australia &#8211; Cash rate<\/li>\n<li>Hong Kong &#8211; Base rate<\/li>\n<li>Europe &#8211; Key rates &#8211; Deposit facility &#8211; European Central Bank<\/li>\n<li>South Africa &#8211; Prime rate<\/li>\n<\/ul>\n<h3><b class=\"texteNoir\">Late tax rates<\/b><\/h3>\n<ul>\n<li>US Internal Revenue Service (IRS) underpayments<\/li>\n<li>Canada Revenue Agency (CRA) underpayments<\/li>\n<\/ul>\n<h3><b class=\"texteNoir\">Legal interest rates<\/b><\/h3>\n<p>USA (federal post-judgement interest rates), Canada (Ontario, British Columbia, Quebec), Great-Britain, Australia, France, Belgium, Luxembourg<\/p>\n<h3><b class=\"texteNoir\">Indexation tables:<\/b><\/h3>\n<ul>\n<li>Inflation rates for various countries : USA, Canada, Great Britain, Australia, France, Switzerland, Belgium, Luxembourg,<\/li>\n<li>Historical performance of Stock market indices (annual % change)\n<ul>\n<li>Dow Jones Industrial Index, S&amp;P 500, NASDAQ, FTSE (London), Toronto Stock Exchange, Hong Kong Hang Seng, Bourse de Paris<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; The choice of thousands Mortgage brokers Property managers Residential Office and industrial Commercial centers Retirement homes Land developpers Home builders General contractors Architects Corporate and personal lenders Accountants Law offices Government agencies SMEs and large corporations Insurance companies See also Finance, Accounting Common real-estate related calculations Mortgages (regular and irregular payments at fixed or [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[193,408,404],"tags":[],"class_list":["post-4599","post","type-post","status-publish","format-standard","hentry","category-knowledge-base","category-margill-law-and-standard","category-margill-loan-manager"],"yoast_head":"<!-- This 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