Company X has lent a term loan of 5 Cr to a company Y, amortizing over 4 years. Company Y has used the loan amount to ma

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Company X has lent a term loan of 5 Cr to a company Y,
amortizing over 4 years. Company Y has used the loan amount to make
warehouses for leasing. The collateral is 5 Acre land and
receivables of warehouses. Interest Rate is 15% p.a. and
origination fees is 1.5%.

There are 2 warehouses owned by Company Y.

1. Leased to Company A for 8
years – 2.5 Acre land – Rent 17 per sq ft / month

2. Leased to Company B for 10
years – 1.5 Acre land – Rent 18 per sq ft /month

Operating Expense for the company is 3 lakhs per month

Required:

1. EMI for the term loan?

2. Payment schedule for 4 years
showing EMI, Interest and Principal?

3. IRR?

4. Asset cover ratio for land
(Land is situated in Valsad, Gujrat. Use current market
rate)?

5. Receivable cover?

6. Valuation of the leased area
for company Y?