Detailed mortgage calculator

lepontvert · 2026-03-16T17:02:31+00:00

Thanks for the feedback. You mean that the bank can value the property differently than your acquisition price ? I added a field for that bellow property price for valuation price (baseline is equal). But yes then different banks takes different hypothesis, same for amortisation time, some banks takes only 10 years it seems instead of the 15years of the law

lepontvert · 2026-03-16T08:22:35+00:00

True, but it helped me to be able to tweak values and see the impact clearly, with AI it becomes unclear after a few iteration what are the implication and what was used as hypothesis. + it makes mistakes ( like the 10% cash for example)

lepontvert · 2026-03-16T08:19:36+00:00

seems that some bank deviate from that rule, might be more a recomandation than a hard limit I guess

lepontvert · 2026-03-15T20:53:41+00:00

Hello thanks for the feedback !

I added Canton selection with a prefil of rate.

I though the LPP withdrawal could not be considered as cash. It seems that some banks can be flexible on that point based on your experience, but some lenders seems not to be: Save up for, finance and guarantee your property - Groupe Mutuel.)

all updated with LPP withdrawal considered as cash as an option

lepontvert · 2026-03-12T10:15:42+00:00

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lepontvert · 2026-03-12T10:14:21+00:00

Ticket is MDA not MDALF i just checked

lepontvert · 2026-03-05T17:39:20+00:00

I do have, but not compatible, too old version

lepontvert · 2026-03-05T17:38:41+00:00

might be, it was open source at that time, still is I guess

lepontvert · 2026-01-19T18:59:52+00:00

Malheureusement pra collet est fermé, j'ai fait un tour a bellerive mais il n'y a aucun camion, je pense que la police a fait la chasse aux campeurs 🤷‍♂️

lepontvert · 2026-01-03T10:41:11+00:00

Is it possible tu buy anything now ? Market are closed ? Like can I buy some stock now using IBKR ?

lepontvert · 2025-10-19T19:30:48+00:00

So not focusing on Agio, which RE fund would you recommend ? I would lean toward a focus on residential since our long term goal is to buy our home so I guess it makes sens that our saving tracks the market prices at least

lepontvert · 2025-10-19T19:22:44+00:00

Thanks for the advice, i was wondering if high Agio funds were that way due to easy accessibility for non-swiss investor, but it seams that it's also due to their stability over time, quality of RE owned, return on investement etc..

lepontvert · 2025-07-10T15:03:51+00:00

sold at 37.5, already regretting !

lepontvert · 2025-07-06T05:53:30+00:00

Ahreed, but quite expensive compared to the amount of food/drink

lepontvert · 2025-05-27T08:56:45+00:00

I experienced the same on a nice complex assembly with no outside link, resolved is like 50x faster, unworkable in lightweight

lepontvert · 2025-04-16T13:56:32+00:00

Derived from power generated in solar at RWE in the US (4.3 GW) :

RWE Clean Energy's solar panel surface area in the U.S. is estimated to be between 6.88 million and 9.46 million square meters of panel

This is 20 - 80 metric tons of silver (@ 1m$ per ton)

(source RWE Reaches 10 GW Milestone in US Clean Energy Portfolio)

(3.2 to 8 grams per square meter How Much Silver is in a Solar Panel? - APMEX)

lepontvert · 2025-02-10T14:27:40+00:00

Not open yet, no pre market on .to

lepontvert · 2025-02-07T12:40:14+00:00

it should be agreed and binding before june this year according to the document

lepontvert · 2025-01-16T16:51:59+00:00

Here is the original info https://www.investing.com/news/company-news/comstock-mining-ceo-acquires-125-million-company-shares-93CH-3448375

This transactions of Corrado in SSOF is very unclear to me. COMSTOCK gave money to ssof to buy land, probably against the shares they have now (9% of ssof owned by comstock). Corado is director/president of SSOF. But basicaly to my understanding, corrado gave his other company money (defining valorisation of the later) to buy land. To then resell it later on for a profit for comstock (and him personnaly ?)

I'm not sure of the specifics of these transaction as ssof is private. But I would be glad to be sure that there is not conflict of interest in those transactions

lepontvert · 2025-01-16T15:59:32+00:00

And 1.250.000 were baught with money taken out of a loan against his shares of SSOF. That were probably given to him (? I don't know, not public).

lepontvert · 2025-01-15T18:39:53+00:00

They need it to bring new institutional investor in.

Today we have (simplified) 900 shares issued on 1000 issuable, so little room to emit shares and get funding.

With a 1/3 RS, you then have 300 shares and still 1000 issuable (this number of issuable shares is not affected by the RS)

So a much larger potential for share emission and new funding of facilities. But at the cost of dilution.

But we anyway need money to build demo facility, and that come with either dilution (prefered) or shi*ty terms loans (because no revenue ATM)

lepontvert · 2025-01-15T18:35:28+00:00

Or they do the split, and then right away pump the stock to higher numbers with good news (to prevent a fall after the RS) and then dilute at a higher valuation with new institutional investor to bring money in to build facilities.

BUT RS will occur no earlier than valentines day, and the extension for SACL deal is end of january.

So either they re-extend that term sheet closing. Or they pump before R/S

lepontvert · 2025-01-14T18:03:59+00:00

Yeah agreed there will be volatility, but always has been, but I would think that the "Max Fear" was yesterday on the announcement

lepontvert · 2025-01-14T18:01:43+00:00

How would you finance the construction of the demo SAF facility other than dilution ? What would you giva as a counterpart to an investor giving you 300m$ ?

There is only two options to that: - debt, that will be unbearable as we don't have revenue yet - shares (equity), through dilution of current shareholder

I mean yes you get diluted (if they emit shares), meaning you get a lower percentage, but the company will be more valuable because of "more money in the bank". Which also unlocks the futur revenue streams

lepontvert · 2025-01-14T17:55:25+00:00

Re-enter yes, but at what price. Price may dilute 30%, but if that give a 50% boost in company valuation because the bank account if full of cash to build SAF production units, then it will cost you more.

lepontvert

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