Loan Visualization Tool - Requirements

(As of: November 2)

Purpose: The purpose of the tool is to visualize all loans. The focus is primarily on having a
dashboard that displays the most important information (e.g., Assets - Loans, Debt Ratio, the 5 most
indebted properties, the 5 least indebted properties, the 5 properties where the fixed interest rate is
expiring soon, etc.). There should also be a page where one can see all important data within a table,
and when the user clicks on an entry in the table, the detailed view of the respective property opens.
The app should have a similar structure to the Lease Management app.

Platform: PowerApp or through Django/Next.js framework

Structure: Each apartment contains a column in the Apartment table, which includes the necessary
attributes. In addition, each apartment is in a building, which has the attributes Type (multi-family
house, single-family house) and Ownership (yes/no). A building must have at least one apartment.
Additionally, there is a Financing table.

Contents:

Dashboard

Visualizes the most important data:

- Assets

- Debts

- Net Assets

- Debt Ratio

- Average square meter price

Development

- Asset Development (Value - Debt)

- Debt Ratio Development

- Valuation Development (with the option to compare to the purchase price)

- Debt Development

- Development in the Number of Apartments

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 - Expected Debt Ratio Development

- Expected Debt and Net Asset Development

Loans

- Table with apartments where the fixed interest rate expires next (TOP 5)

- Table with apartments that are paid off next (TOP 5)

- Table with apartments that will reach/have reached the 10-year mark next (TOP 5)

- Average Interest Rates

Loan View

Displays all important data in a table. It should be possible to view both all houses (and their total
data) as well as a view with all apartments.

Table (DevExtreme DataGrid) with the following columns:

- Property Name (refer to Naming Guidelines - to be created)

- Address (e.g., Jenaer Straße 11, 38444 Westhagen)

- Area (Helmstedt, Wolfsburg, Braunschweig, Flechtorf/Lehre)

- Type (Ground Floor, Upper Floor, Maisonette)

- Use (Commercial/Living Space)

- Area

- Purchase Price

- Calculated (hidden) yes or no

- Investment Sum

- Current Value

- Debt Incurred

- Outstanding Debt

- Already Repaid

- Paid Off in % pie chart (hidden)

- Debt Ratio in %

- Annual Interest in %

- Fixed Interest until (hidden)

- Remaining Term (hidden)

- Initial Repayment

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 - Current Annual Repayment (calculated)

Clicking on a House

Opens an extra window (not a panel but a separate page) where the following data can be found:

- Most important data: Name, Address, Number of Apartments, Total Area, Ownership, Purchase
Price

Table with the apartments that belong to it

- Charts:

Current Value (in comparison to the investment sum) e.g., €1,000,000 (+€50,000)

Debt Ratio (PieChart)

Current Debt, Current Capital

Repayment Plan of the House (all apartments combined)

Clicking on an Apartment

Opens an extra window (not a panel but a separate page) where the following data can be found:

- Most important data: Name, Address, Area, Purchase Price, Purchase Date

Table with the apartments that belong to it

- Charts:

Current Value (in comparison to the investment sum) e.g., €1,000,000 (+€50,000)

Debt Ratio (PieChart)

Current Debt, Current Capital

Repayment Plan of the Apartment

Extension 1: Rent View - Cash Flow Analysis

Goal: The goal of the extension is to provide an overview of the current cash flow situation. Similarly
to the asset visualization, an additional page should be added that displays the individual rents of
the apartments, including their associated costs and their individual cash flow situation.

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