Project Name Sample ProjectAddress Balston StreetCity Southbank VicCompletion 2016 Estimated earliest completionApartment Number 户型 2105EFull Purchase Price 房产售价 $500,000 10% Deposit - paid at signing $50,000 Interest Only Loan $350,000Total Funds Required - Initial Investment $153,878 Legal Fees - paid at signing $900 Loan Valuation Ratio 70%Sqm Rate 每平⽶米单价 $7,246 Final Funds - paid at settlement $102,978 Further Loan Equity $100,000Internal Sqm 室内⾯面积(平⽶米) 69.0 Stamp Duty $1,200External Sqm 室外⾯面积(平⽶米) 7.0 Bank Loan Fees $750Total Sqm 76.0 Min 40 Sqm Required for Finance Final Legal Fees $900Carpark 停⻋车位 1 Registration of Mortgage $111Bedrooms 卧室 2 Search Certificate of Title $17Bathroom 卫浴 2

财务预测 第⼀一年 第⼆二年 第三年 第四年 第五年 第六年 第七年 第⼋八年 第九年 第⼗十年

Est. FINANCIAL FORECAST 财务预测 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10

Value (A$) 价格 ($澳币) $500,000 $515,000 $535,600 $562,380 $596,123 $637,851 $682,501 $730,276 $781,395 $836,093Rental Income (2) 租⾦金回报 (2)注明 $25,000 $26,250 $27,825 $29,495 $31,264 $33,140 $35,128 $37,236 $39,470 $41,839Interest on Loan -$7,875 -$7,875 -$7,875 -$7,875 -$7,875 -$7,875 -$7,875 -$7,875 -$7,875 -$7,875Council Rates 市政管理费 -$1,500 -$1,530 -$1,561 -$1,592 -$1,624 -$1,656 -$1,689 -$1,723 -$1,778 -$1,814Owners Corporate 物业管理费 -$3,200 -$3,264 -$3,329 -$3,396 -$3,464 -$3,533 -$3,604 -$3,676 -$3,749 -$3,824Water Rates ⽔水费 -$270 -$275 -$281 -$287 -$292 -$298 -$304 -$310 -$316 -$323Agent Management @ 5% 中介管理费 @5% -$1,250 -$1,313 -$1,391 -$1,475 -$1,563 -$1,657 -$1,756 -$1,862 -$1,974 -$2,092Landlord Insurance -$350 -$361 -$371 -$382 -$394 -$406 -$418 -$430 -$443 -$457Agent Letting Fee 中介⼲⼴广告招租费 -$481 -$505 -$535 -$567 -$601 -$637 -$676 -$716 -$759 -$805Vacancy Rate Allowance - 2 Weeks -$962 -$1,010 -$1,070 -$1,134 -$1,202 -$1,275 -$1,351 -$1,432 -$1,518 -$1,609

Net Cashflow - Pre Tax 净回报 $9,113 $10,118 $11,411 $12,787 $14,249 $15,803 $17,455 $19,212 $21,057 $23,040

-$21,510 -$21,510 -$21,510 -$21,510 -$21,510 -$21,510 -$21,510 -$21,510 -$21,510 -$21,510

Est. PRE-TAX INVESTMENT ANALYSIS YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10

Initial Investment Value (Initial+Growth) $162,990 $188,108 $210,002 $238,157 $273,362 $316,645 $362,947 $412,478 $465,443 $522,124

Initial Equity Increase (Capital Growth) $0 $34,231 $56,124 $84,279 $119,484 $162,767 $209,069 $258,600 $311,566 $682,216

Equity Loan Access 90% LVR (A$) $100,000 $113,500 $132,040 $156,142 $186,511 $224,066 $264,251 $307,248 $353,256 $402,484

Return on Initial Investment % 0% 21% 34% 52% 73% 100% 128% 159% 191% 419%

Est. TAX DEDUCTIONS - AU TAX PAYER YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5

Interest on Loan -$7,875 -$7,875 -$7,875 -$7,875 -$7,875Loan Costs -$750 0 0 0 0Legal Fees -$1,800 0 0 0 0Property Outgoings -$7,051 -$7,247 -$7,468 -$7,699 -$7,938Depreciation Division 43 -$6,155 -$6,155 -$6,155 -$6,155 -$6,155Depreciation Division 40 -$14,063 -$9,324 -$6,648 -$4,913 -$3,832Total Tax Deductions -$37,694 -$30,601 -$28,146 -$26,641 -$25,800Tax Credits (A$) -$4,862 -$3,948 -$3,631 -$3,437 -$3,328

Net Cashflow - After Tax $13,975 $14,066 $15,042 $16,223 $17,577

Capital Growth + Cashflow - After Tax $13,975 $48,297 $71,166 $100,502 $137,061

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$0

$4,500

$9,000

$13,500

$18,000After Tax Pre tax

$0

$128,571

$257,143

$385,714

$514,286

$642,857

$771,429

$900,000

YEAR 1YEAR 2

YEAR 3YEAR 4

YEAR 5YEAR 6

YEAR 7YEAR 8

YEAR 9YEAR 10

$100,000 $113,500 $132,040$156,142

$186,511$224,066

$264,251$307,248

$353,256$402,484

$162,990$188,108 $210,002

$238,157$273,362

$316,645$362,947

$412,478$465,443

$522,124$500,000 $515,000 $535,600$562,380

$596,123$637,851

$682,501$730,276

$781,395$836,093Property Value Initial Investment Value Equity Loan Access

Milestone for 2nd self funding investment property

Milestone for 3rd self funding investment property