features:
Minimalistic design:
virtually no dependencies
no need to install anything for local testing / development
Super-flexible, yet to get started you only need to provide a handful of figures:
House sell price
Savings used for down-payment
Loan Interest
Loan type
Supports 3 most popular mortgage types in Netherlands: "Annuity", "Linear" and "Interest-only"
Adjustable additional periodic extra repayment schedules, monthly, flexible periodic repayments:
you can "program" a monthly additional repayment
you can add 3 additional periodic repayments with any periodicity and starting month
Adjustable in-place payments (click on any cell in "extra_payment" column in the "Payments schedule"):
for already calculated payment schedule you can "change" any payment in-place and schedule will be recalculated from that month onward.
Renting, income parameters for assets ROI modelling:
takes into account deposit rate, house market growth rate, salary and renting information to calculate monthly total assets state and final "ROI" figures
What-if modelling provides uni- and bi-parameter mortgage modelling functionality:
to test different loan parameters and to find the most convenient/profitable mortgage configuration
"What-if" modelling:
Allows to model the mortgage as a function of a parameter(s).
Any adjustable mortgage parameter can be "probed" on a range of values (e.g. extra monthly repayment).
you'll see the parameter variable name when you hover mouse over the input field for it
Resulting output parameters of the mortgage then plotted on the graph (e.g. actual mortgage term).
Allows bi-parametric modelling.
With two parameters being "tested" - target metric drawn on a 3-D surface plot (e.g. Housing assets ROI).
