Lainat numeroina – lokakuu

Syyskuun lainanumerot jäivät julkaisematta koska meillä oli lainojen siirrot vielä kesken ja itse asiassa olimme aika pitkään ns. odotustilassa. Uudessa pankissamme asiat olivat valmiina mutta Nordeassa asiat viivästyivät enemmän ja vähemmän. Lainojen siirrot ja kuittaukset lopulta tapahtuivat ja uudet numerot alkavat olla selvillä.

Siirsimme Nordeasta uuteen pankkiin asuntolainat ja uuden liiketilan lainan. Mökkilaina jäi Nordeaan. Vanhoja taulukkoja kun katsoo niin näkee miten asuntolaina koostui kolmesta erillisestä lainasta. Alkuvuodesta otetut lainat olivat suuruudeltaan yhteensä 165 000€. Näihin ehdin jonkin verran ylimääräisiä lyhennyksiäkin tekemään ennen kuin päätimme ottaa lisää lainaa liiketilaan ja kun asiat alkoivat viivästyä. Nyt asuntolaina on onneksi vain yksi laina, joka on suuruudeltaan 162 000€. Tästä alkaa lyhennykset juoksemaan marraskuussa. Aiemmin kolmen lainan systeemissä isoimman lainan lyhennykset olisivat alkaneet joulukuussa.

Täysin uutena nyt tuo liiketilan laina. Liikehuoneiston osakkeeseen kohdistuu yhtiölainaa jota maksamme rahoitusvastikkeena pois. Haluan tuon rahoitusvastikkeen sisällyttää lainataulukoihin koska A) varsinainen lainanlyhennys on pieni ja maksettu osuus näyttää pieneltä muutoin B) rahoitusvastikkeen loppuessa maksuosuus tulee kohdistumaan pankkilainaan snowballingin hengessä ja C) on helpompaa mieltää liiketilan arvo kun tarkastellaan sekä laina- että rahoitusosuutta. Saamme liiketilasta vuokratuottoa mutta saamme myös hyödynnettyä rahoitusvastikkeen vähennyksiin joten tila maksaa ihan mukavasti itse itseään pois. Liiketilasta olemme aloittaneet lyhennykset nyt lokakuulla, ensimmäisessä erässä oli korkoja pidemmältä ajalta kun tätä kauppaa on tehty pidemmän aikaa jo. Rahoitusvastikkeita olemme maksaneet elokuulta alkaen ja siksi siinä sarakkeessa näkyvä osuus on selkeästi suurempi kuin lainaosuudessa. Yhteensähän liiketilasta tulee lainaa noin 59670€ ja sitä pois maksaessa toivon mukaan myös varallisuus karttuu (eli että tilan arvo ei putoa). Itse asiassa saimme tilan markkinahintaa edullisemmin, samalta alueelta samanlaiset menevät kaupaksi noin 50-100€/m2 kallimmalla, satuttiin vain olemaan oikeassa paikassa oikeaan aikaan että tämä meni näin.

Seuraavaksi lähdetään kuromaan kuukausierien määrää mökkilainasta niin että päästäisiin alle rahoitusvastikkeen lyhennyserien määrän. Tulevan talvikauden aikana todennäköisesti saadaan lyhennyksiä mökkiin tehtyä aikataulua nopeammin ja onhan tuota mukava koko ajan niin euromääräisesti kuin ajallisesti saada niitattua.


22 ajatusta aiheesta “Lainat numeroina – lokakuu”

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