FREE DEBT CALCULATOR
Construction Loan Calculator
Estimate facility size and interest using an LTC limit and evenly phased monthly draws.
INDICATIVE RESULT
€6,500,000Estimated interest€406,250
Equity including interest€3,906,250
Calculated directly from the assumptions shown.
Continue in the full model.
Move from this screening result to the free Construction Financing Model.
Download free modelFORMULA
How the construction loan calculation works
Facility = eligible cost × LTC. Estimated interest uses the average drawn balance over the construction period.
Example calculation
€10m of eligible cost at 65% LTC creates a €6.5m facility, drawn evenly over 24 months.
INVESTMENT USE
How professionals use the result
Use this for first-pass sizing. A full draw schedule should reflect actual monthly costs, lender eligibility and interest funding.
Common mistakes
- Charging interest on the full facility from day one
- Ignoring fees
- Including ineligible costs
- Double-counting capitalized interest
CLEAR ANSWERS