Loan Invest N.V., Compartment Home Loan Invest …...2020/05/15 ·

Intertrust Capital MarketsAmstel Building

Prins Bernhardplein 2001097JB Amsterdam

The Netherlands Tel. +31(0)20-5214777Fax +31(0)20-5214888

Website:www.Intertrustgroup.com

Loan Invest N.V., Compartment Home Loan Invest 2016euro 3,270,000,000 floating rate Mortgage Backed Notes due 2050

Investor ReportReporting period: April 2020

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MONTHLY CALCULATION REPORT

Monthly Total

The Loan Portfolio

Number of Loans

Beginning of Period 26.220 26.220Matured loans 106 106Prepaid Loans 184 184Repurchased Loans 0 0Defaulted Loans during period 1 1Defaulted Loans reopend to normal 0 0End of month 25.929 25.929Delinquent Receivables at the end of the Monthly Calculation Period 20 20

0

Outstanding Principal Amount of Mortgage loans

Beginning of Period 1.660.553.336,90 1.660.553.336,90Scheduled Principal collected 12.707.438,11 12.707.438,11Full Prepayments 15.960.489,16 15.960.489,16Partial Prepayments 388.795,94 388.795,94Principal balance of repurchased loans 0,00 0,00Principal balance of Defaulted Loans during the period 154.871,06 154.871,06Full Prepayment difference (principal) 0,00 0,00Reopening of defaulted loans (default becomes normal again) 0,00 0,00Interest capitalisation (interest becomes principal) 0,00 0,00End of Period 1.631.341.742,63 1.631.341.742,63

Principal balance of Delinquent Loans at the end of the Calculation Period 2.485.077,33 2.485.077,33Net Principal Balance of Defaulted Loans at the end of the Calculation period (net after recovery) 1.610.823,28 1.610.823,28Write-off defaulted loans 0,00 0,00Balance of Non Defaulted Loans 1.631.341.742,63 1.631.341.742,63Balance of Non Delinquent Loans 1.628.856.665,30 1.628.856.665,30Balance of reopened Loans 0,00

Floating Rate Interest Period (31/03/20 - 30/04/20)

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Monthly Total Cash Flows

Monthly Cash FlowsPrincipal Available Amount:

Previously Principal Available Amount 3.761,24 3.761,24Principal Receipts

Repayment of principal 12.707.438,11 12.707.438,11Prepayment in full of principal 15.960.489,16 15.960.489,16Partial prepayment of principal 388.795,94 388.795,94Repurchase by the seller Receipts 0,00 0,00Principal from sale of Issuer assets 0,00 0,00

Amounts to be used as indemnity for losses of scheduled principal as a result of Conmingling Risk and/or Set-Off Risk 0,00 0,00Amounts to be credited to the Principal Deficiency Ledger 154.871,06 154.871,06

Principal Available Amount 29.215.355,51 29.215.355,51

Notes Interest Available AmountRevenue Receipts

Interest, including penalty interest, on Mortgage Receivables 2.706.489,29 2.706.489,29Interest accrued on the Transaction Account 0,00 0,00Prepayment Penalties under the Mortgage Loans 103.204,04 103.204,04Net Proceeds on any Mortgage Loans 150,00 150,00Amounts to be drawn from the Reserve Account on MPD 0,00 0,00Amounts to be received from the Swap on MPD 235.996,2 235.996,16Amounts received in connection to a repurchase pursuant MRPA 0,00 0,00Amounts received in connection with a sale of Mortgage receivables pursuant Common Reps Agr 0,00 0,00Amounts received as post-foreclosure proceeds 0,00 0,00Any interest amount standing to the credit of the Issuer Collection Account 0,00 0,00Amounts used as indemnity for losses of scheduled interest on Mortgage Receivables (as a result of Liquidity Shortfall Risk and/or Conmingling 0,00 0,00

Total Note Interest Available Amount 3.045.839,49


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Monthly Total

Swap Calculation

Loan Invest Pays: (A-B)*C 2.144.265,00withA the sum of

the aggregate amount of interests received during the preceding Monthly Calculation Period 2.706.489,29the interest accrued on the transaction accounts 0,00the amounts received in respect of Prepayment penalties 103.204,04the amounts received in connection with a repurchase of Mortgage Receivables 0,00the amounts received in connection to a sale of Mortgage Receivables 0,00

Total A 2.809.693,33

B lessthe operating expenses set out in items (i) to (iv) in the Interest Priority of Payments 75.155,27

Total B 75.155,27

C multiplied bythe princpal outstanding amount of the Notes 1.329.555.840,00minusthe balance of the Notes Principal Deficiency Ledger 0,00

divided bythe result of the Principal Outstanding Amount of the Notes minus the balance of the Notes Princpal Deficiency Ledger 1.329.555.840,00plus the outstanding amount of the Subordinated Loan 366.000.000,00minus the outstanding amount on the Subordinated Loan Principal Deficiency Ledger 0,00

Total C 0,784

Loan Invest Receives: (D*E) 235.996,16withD 1 month Euribor -0,387%

plus spread 0,600%

Total D 0,213%

E multiplied bythe Principal Outstanding Amount of the Notes 1.329.555.840,00minusthe balance of the Notes Principal Deficiency Ledger 0,00

Total E 1.329.555.840,00

Swap Payment Date 15/05/2020 15/05/2020

Swap Collateral Amount

Collateral AmountCollateral at the end of the monthCollateral Type securities


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Monthly Total

Monthly Cash Flow Allocation

PrincipalPrincipal Available Amount 29.215.355,51 29.215.355,51

Following Amortisation or Optional redemption

Notes 0,00 0,00Subordinated Loan 0,00 0,00Expenses on Subordinated Loan 0,00 0,00

Interest

Total Funds Available 3.045.839,491 Issuers Directors 0,00 0,002 Administrator 0,00 0,003 Security Agent 0,00 0,004 Other Issuer fees Intertrust fee 5.396,60 5.396,60

NBB 0,00 0,00FSMA/ACERTA 0,00 0,00Servicing 69.189,72 69.189,72Legal advisor Deloitte 0,00 0,00Auditor PWC 0,00 0,00administration fee 0,00 0,00Paying Agent 416,67 416,67AIG 0,00 0,00corporate admin fee 0,00 0,00Calculation Agent 0,00 0,00CBF-annual fee 0,00 0,00Other Issuer Costs and Exp: Euronext 0,00 0,00

Bank Charges + SBV kosten 152,28 152,28Rating Agency 0,00 0,00Rent / Accesso 0,00 0,00Social security / Taxes (CTIF) 0,00 0,00

5 Pari-passuClass A notes interest due and payable 235.996,16 235.996,16Swap Counterparty payments 2.144.265,00 2.144.265,00

6 Principal Deficiency - Notes 0,00 0,007 Payment to Reserve Fund for replenishment 0,00 0,008 Principal Deficiency - Subordinated Loan 154.871,06 154.871,069 Payment to Risk Mitigation Deposit for replenishment 0,00 0,00

10 Interest on Subordinated Loan 186.965,00 186.965,0011 Swap Counterparty Default Payment 0,00 0,0012 Interest and Principal on Expense Subordinated Loan 0,00 0,0013 Dividends to Shareholders 166,66 166,6614 DPP 248.420,34 248.420,34


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Monthly Total

Capital structure

NotesNumber of Notes 13.080,00Outstanding balance at the beginning of the month 1.329.555.840,00Outstanding balance at the end of the month 1.300.348.200,00Bond - Factor at the beginning of the month 0,40659200Bond - Factor at the end of the month 0,39766000Annual interest rate for the period 0,21300%Interest payable for the quart15/05/2020 235.996,16Rating (Moody's) Aaa(sf)Rating (Fitch) AAAsf

Subordinated LoanOutstanding balance at the beginning of the month 366.000.000,00Outstanding balance at the end of the month 366.000.000,00Annual interest rate for the period 0,61300%Interest payable for the quart15/05/2020 186.965,00

Reserve Fund

Balance at the beginning of the month 36.000.000,00Payment from the Reserve Fund at the end of the month 0,00Payment to the Reserve Fund at the end of the month 0,00Balance at the end of the month 36.000.000,00

Expense Subordinated Loan

Balance at the beginning of the month 0,00 0,00Amount Repaid 0,00 0,00Balance at the end of the month 0,00 0,00

Risk Mitigating deposit

Balance at the beginning of the month 0,00Increase or decrease 0,00Balance at the end of the month 0,00


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Monthly Total

Balance SheetAssetsOutstanding principal amount of Mortgage Loans (end of period) 1.631.341.742,63 1.631.341.742,63Transaction Account (after principal and interest payout) 0,00 0,00Reserve Fund (end of period) 36.000.000,00 36.000.000,00Total 1.667.341.742,63 1.667.341.742,63

LiabilitiesNotes outstanding balance at the end of period 1.300.348.200,00 1.300.348.200,00Subordinated Loan outstanding at the end of the period 366.000.000,00 366.000.000,00Expenses Subordinated Loan oustanding at the end of period 0,00 0,00Total 1.666.348.200,00 1.666.348.200,00

Performance data

Defaults and delinquenciesCumulative Gross Defaults at the beginning of the period 3.426.926,54Principal balance of Defaulted Loans during the period 154.871,06Cumulative Gross Defaults at the end of the period 3.581.797,60 3.581.797,60Cumulative Gross Defaults as % of original loan balance (%) 0,09950% 0,09950%Cumulative Gross Defaults as % of current loan balance (%) 0,21570% 0,21570%

Aggregate amount of Delinquent Loans 2.485.077,33 0,00Current Delinquencies as % of initial loan balance (%) 0,06088% 0,00Current Delinquencies as % of current loan balance (%) 0,15233% 0,15233%

Principal Deficiency Ledger (PDL)

PDL balance at the beginning of the period 0,00 0,00Amounts to be credited to the Principal Deficiency Ledger -154.871,06Interest waterfall payment to the PDL 154.871,06Balance of the PDL at the end of the period 0,00

Subordinated Loan PDL 0,00Notes PDL 0,00

Delinquency Statistics

Nr of Delinquent Loans

Current Balance of all Delinquent

Loans

Percentage of Outstanding Balance

of the Loans(%)

<1month 145 10.494.011,41 0,643%<2months 17 1.867.955,62 0,115%<3 months 4 472.293,27 0,029%

Status


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<4months Delinquent 4 342.609,14 0,021%<5months Delinquent 2 262.485,66 0,016%<6months Delinquent 4 676.853,08 0,041%<7months Delinquent 1 87.717,96 0,005%<8months Delinquent 1 193.232,34 0,012%<9months Delinquent 3 337.880,34 0,021%<10months Delinquent 1 187.784,85 0,012%<11months Delinquent 0 0,00 0,000%<12months Delinquent 0 0,00 0,000%>12 months Delinquent 4 396.513,96 0,024%

0

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Monthly Total

Default Statistics

Number of Loans Defaulted during the

Monthly Calculation Period

Current Balance of Loans Defaulted

during period

Percentage of Outstanding Balance

of the Loans(% of total amount)

1 154.871,06 0,0093%

Recovery Statistics

Recoveries on defaulted loans since closing

Recoveries as a percentage of Principal

Outstanding on Defaulted Loans

(%)0,00 0,00%

Prepayments as a % of current balance for reference period Annualised0,98457% 0,00000% 11,8148%

Counterparty Rating

KBC Bank as the Seller, Servicer, Subordinated Loan Provider, Administrator, Paying Agent, Domiciliary Agent, Listing Agent, Reference Agent and Swap Counterparty

Moody's FitchLong term rating A1 A+ Short term rating P-1 F1

Rabobank as account bank

Moody's FitchLong term rating Aaa AAA

The Notes issued by Loan Invest NV/SA, institutionele VBS naar Belgisch recht/SIC institutionnelle de droit belge, acting through its Compartment Home Loan Invest 2016 (the "Notes") are only offered, directly or indirectly, to and may only be acquired, by direct subscription or otherwise, and may only be held by holders (“Eligible Holders”) who qualify both as (i) an institutional or professional investor within the meaning of Article 5, §3 of the Belgian Act of 20 July 2004 on certain forms of collective management of investment portfolios (wet betreffende bepaalde vormen van collectief beheer van beleggingsportefeuilles / loi relative à certaines formes de gestion collective de portefeuilles d’investissement), acting for their own account, and (ii) a holder of an exempt securities account (X-account) with the Clearing System operated by the National Bank of Belgium or with a participant in such system. Any acquisition of a Note by or transfer of a Note to a person who is not an Eligible Holder shall be void and not binding on the Issuer and the Security Agent. If a Noteholder ceases to be an Eligible Holder, it is obliged to report this to the Issuer and it will promptly transfer the Notes it holds to a person that qualifies as an Eligible Holder.Each payment of interest on Notes of which the Issuer becomes aware that they are held by a holder that does not qualify as an Eligible Holder will be suspended. Upon issuance of the Notes, the denomination of the Notes is EUR 250,000.The Notes are not being offered in the United States or to, or for the account of, U.S. persons (as defined in Regulation S under the United States Securities Act of 1933).


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Notes having a maturity of more than one year will be issued in compliance with U.S. Treasury Regulation Section 1.163-5(c)(2)(i)(C) (the “C Rules”)

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Intertrust Capital MarketsAmstel Building

Prins Bernhardplein 2001097JB Amsterdam

The Netherlands Tel. +31(0)20-5214777Fax +31(0)20-5214888

Website:www.Intertrustgroup.com

Reporting period: April 2020

Loan Invest N.V., Compartment Home Loan Invest 2016

Euro 3,270,000,0000 floating rate Mortgage-Backed Notes due 2050

Portfolio Composition

Effectisering Pool HLI16 April 2020 1

Pool summary 1Effectisering Pool HLI16 April 2020 1

Pool summary 1

Numberof

borrowersNumberof loans

TotalOutstanding

balance

AverageOutstanding

balance / borrower

20347 25929 1.631.341.742,63 80.176,03

Pool summary 2 - Ratios 2Pool summary 2 - Ratios 2

Variable Ratio Mean Minimum Maximum Number

ADJ_LTM Adjusted loan to mortgage 1,1942 1,0000 4,2903 25929

CLTV Current loan to value 0,4947 0,0000 0,9676 25929

LTM Loan to mortgage 0,9816 0,0000 4,2903 25929

MTL Mortgage to loan 1,3169 0,0000 619,1944 25929

OLTV Original loan to value 0,7865 0,0000 5,3226 25929

SEAS Seasoning in months 81,2556 52,0000 299,0000 25929

Pool summary 3 - Margin 3Pool summary 3 - Margin 3

Interest rateOutstanding

balance

%Outstanding

balanceNumberof loans

%Numberof loans

Weightedaverage interest

rate

Weightedaverage

margin

Interest rate <= 2,5 1.103.823.670,22 67,66 16894 65,15 1,45 0

2.5 < Interest Rate <= 3.0 324.694.390,17 19,90 5025 19,38 2,75 0

3.0 < Interest Rate <= 3.5 121.596.439,48 7,45 2116 8,16 3,22 0

3.5 < Interest Rate <= 4.0 43.662.209,53 2,68 967 3,73 3,74 0

4.0 < Interest Rate <= 4.5 21.222.122,54 1,30 492 1,90 4,23 0

4.5 < Interest Rate <= 5.0 11.687.713,90 0,72 295 1,14 4,74 0

5.0 < Interest Rate <= 5.5 3.744.139,51 0,23 93 0,36 5,21 0

5.5 < Interest Rate <= 6.0 765.886,96 0,05 34 0,13 5,66 0

6.0 < Interest Rate <= 6.5 134.023,84 0,01 11 0,04 6,20 0

6.5 < Interest Rate <= 7.0 11.146,48 0,00 2 0,01 6,65 0

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0

Pool summary 4 - Loans in arrears 4Pool summary 4 - Loans in arrears 4

Loansin

arrearsOutstanding

balance

%Outstanding


%Numberof loans

0 10.494.011,41 68,50 145 77,96

1 1.867.955,62 12,19 17 9,14

2 472.293,27 3,08 4 2,15

3 342.609,14 2,24 4 2,15

4 262.485,66 1,71 2 1,08

5 676.853,08 4,42 4 2,15

6 87.717,96 0,57 1 0,54

7 193.232,34 1,26 1 0,54

8 337.880,34 2,21 3 1,61

9 187.784,85 1,23 1 0,54

12 166.176,30 1,08 2 1,08

21 77.011,19 0,50 1 0,54

27 153.326,47 1,00 1 0,54

Total 15.319.337,63 100,00 186 100,00

Table '01' - Origination date 5Table '01' - Origination date 5

Originationdate Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV

WeightedaverageAdjusted

LTM

Weightedaverage

seasoning

1995 912,24 0,00 2 0,01 4,15 0,01 1,00 298,53

1996 5.255,78 0,00 2 0,01 1,39 0,01 1,00 287,62

1997 61.235,37 0,00 3 0,01 0,93 0,12 1,00 270,10

1998 23.566,31 0,00 1 0,00 0,73 0,30 1,00 259,00

1999 389.521,30 0,02 20 0,08 0,71 0,31 1,00 248,94

2000 179.417,73 0,01 17 0,07 1,08 0,25 1,00 239,15

2001 533.602,55 0,03 46 0,18 1,27 0,28 1,00 223,24

2002 2.293.688,90 0,14 106 0,41 1,17 0,27 1,12 212,15

2003 11.077.616,97 0,68 362 1,40 0,70 0,34 1,11 200,25

2004 14.568.003,20 0,89 417 1,61 0,70 0,33 1,09 188,64

2005 36.384.852,28 2,23 903 3,48 0,84 0,38 1,11 177,54

2006 15.701.668,68 0,96 344 1,33 2,40 0,44 1,09 166,29

2007 8.317.572,50 0,51 175 0,67 3,59 0,47 1,07 153,56

2008 13.509.642,36 0,83 260 1,00 2,46 0,45 1,17 141,33

2009 126.072.803,95 7,73 1576 6,08 1,08 0,50 1,13 127,70

2010 155.606.156,69 9,54 2102 8,11 1,34 0,53 1,16 117,91

2011 31.217.856,80 1,91 546 2,11 1,75 0,49 1,14 107,47

2012 21.315.778,43 1,31 369 1,42 1,70 0,45 1,12 92,37

2013 71.357.399,87 4,37 1256 4,84 2,07 0,42 1,15 81,16

2014 479.596.826,56 29,40 8274 31,91 2,18 0,47 1,17 66,19

2015 643.128.364,16 39,42 9148 35,28 2,23 0,53 1,26 57,93

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '02' - Final maturity date 6Table '02' - Final maturity date 6

Finalmaturity

dateOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

2018 - 2022 22.647.110,54 1,39 2576 9,93 2,11 0,12 1,02 104,08

2023 - 2027 281.273.609,71 17,24 8344 32,18 1,86 0,26 1,06 85,16

2028 - 2032 407.977.415,67 25,01 6248 24,10 1,83 0,42 1,15 85,79

> 2032 919.443.606,71 56,36 8761 33,79 2,07 0,61 1,26 77,49

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '03' - Initial maturity in months 7Table '03' - Initial maturity in months 7

Initialmaturity

inmonths

Outstanding balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

0 - 71 752.523,70 0,05 322 1,24 1,99 0,07 1,01 58,55

72-107 21.190.637,14 1,30 1617 6,24 2,08 0,16 1,03 63,02

108-143 166.364.745,88 10,20 5548 21,40 1,96 0,24 1,07 64,63

144-179 125.109.874,34 7,67 2548 9,83 1,98 0,34 1,13 69,63

180-215 227.688.996,98 13,96 3977 15,34 2,08 0,41 1,15 72,24

216-251 482.993.045,59 29,61 6094 23,50 2,02 0,51 1,23 77,63

252-287 94.309.998,94 5,78 1085 4,18 1,81 0,56 1,22 95,12

288-323 384.984.314,19 23,60 3510 13,54 2,10 0,65 1,25 83,88

324-360 108.859.824,56 6,67 1045 4,03 1,34 0,62 1,19 129,11

> 360 19.087.781,31 1,17 183 0,71 1,22 0,63 1,17 128,38

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '04' - Seasoning in months 8Table '04' - Seasoning in months 8

Seasoningin months Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

49 - 60 478.365.514,66 29,32 6228 24,02 2,23 0,55 1,28 56,56

61 - 72 624.998.268,08 38,31 10895 42,02 2,19 0,47 1,18 64,82

73 - 84 77.727.833,98 4,76 1279 4,93 2,10 0,44 1,15 78,54

85 - 96 30.724.198,80 1,88 586 2,26 1,91 0,41 1,11 89,06

97 -108 22.472.180,21 1,38 388 1,50 1,57 0,48 1,18 104,60

109 - 397.053.746,90 24,34 6553 25,27 1,31 0,48 1,13 135,48

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '05' - Interest rate 9Table '05' - Interest rate 9

Interest rateOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Interest rate <= 2,5 1.103.823.670,22 67,66 16894 65,15 1,45 0,48 1,21 86,48

2.5 < Interest Rate <= 3.0 324.694.390,17 19,90 5025 19,38 2,75 0,53 1,18 62,24

3.0 < Interest Rate <= 3.5 121.596.439,48 7,45 2116 8,16 3,22 0,54 1,12 65,65

3.5 < Interest Rate <= 4.0 43.662.209,53 2,68 967 3,73 3,74 0,49 1,10 91,47

4.0 < Interest Rate <= 4.5 21.222.122,54 1,30 492 1,90 4,23 0,50 1,11 124,92

4.5 < Interest Rate <= 5.0 11.687.713,90 0,72 295 1,14 4,74 0,50 1,09 136,98

5.0 < Interest Rate <= 5.5 3.744.139,51 0,23 93 0,36 5,21 0,51 1,15 140,40

5.5 < Interest Rate <= 6.0 765.886,96 0,05 34 0,13 5,66 0,44 1,01 145,35

6.0 < Interest Rate <= 6.5 134.023,84 0,01 11 0,04 6,20 0,45 1,00 179,99

6.5 < Interest Rate <= 7.0 11.146,48 0,00 2 0,01 6,65 0,09 1,00 214,79

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '06' - Interest rate review code 10Table '06' - Interest rate review code 10

Interestrate

reviewcode

Outstanding balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

No review 883.949.925,90 54,19 14050 54,19 2,64 0,52 1,21 66,62

1 y / 1 y 247.646.748,40 15,18 3650 14,08 1,02 0,48 1,15 131,44

3 y / 3 y 306.334.722,15 18,78 4734 18,26 1,25 0,47 1,19 79,07

5 y / 5 y 173.362.735,18 10,63 3099 11,95 1,24 0,46 1,17 81,63

10 y / 5 y 18.118.360,09 1,11 375 1,45 1,39 0,47 1,11 142,48

15 y / 5 y 161.371,91 0,01 6 0,02 4,95 0,37 1,02 139,40

20 y / 5 y 1.767.879,00 0,11 15 0,06 3,13 0,53 1,34 78,26

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '07' - Reset date 11Table '07' - Reset date 11

Resetdate Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

2020 345.254.439,44 21,16 5781 22,30 1,19 0,47 1,18 102,83

2021 168.104.310,00 10,30 3126 12,06 1,17 0,46 1,17 100,02

2022 99.405.864,12 6,09 1862 7,18 1,33 0,46 1,14 101,33

2023 40.153.125,84 2,46 1086 4,19 1,76 0,37 1,14 97,35

2024 102.844.135,24 6,30 2338 9,02 1,48 0,38 1,11 81,16

2025 95.864.386,31 5,88 2488 9,60 1,93 0,34 1,10 69,27

2026 27.724.282,18 1,70 705 2,72 2,79 0,27 1,03 77,94

2027 22.243.710,01 1,36 493 1,90 2,81 0,32 1,06 72,57

2028 21.720.692,41 1,33 459 1,77 2,86 0,35 1,12 75,36

2029 47.845.868,79 2,93 832 3,21 2,77 0,41 1,11 67,60

2030 71.430.873,04 4,38 1077 4,15 2,43 0,42 1,14 62,45

2031 21.535.627,05 1,32 311 1,20 2,92 0,47 1,14 83,11

2032 27.108.114,76 1,66 351 1,35 2,84 0,49 1,19 70,40

2033 38.168.600,82 2,34 451 1,74 2,81 0,50 1,22 69,63

2034 79.808.259,89 4,89 865 3,34 2,74 0,54 1,21 66,69

2035 151.396.862,23 9,28 1463 5,64 2,38 0,58 1,33 59,33

2036 14.179.256,04 0,87 143 0,55 2,91 0,63 1,22 83,10

2037 16.549.981,03 1,01 179 0,69 3,22 0,63 1,22 82,70

2038 21.965.450,54 1,35 217 0,84 3,17 0,66 1,21 70,92

2039 65.979.555,11 4,04 566 2,18 2,97 0,67 1,27 66,31

2040 139.445.420,53 8,55 1041 4,01 2,47 0,71 1,36 58,89

2041 11.391.321,89 0,70 85 0,33 2,14 0,74 1,21 61,85

2042 734.968,10 0,05 6 0,02 2,07 0,80 1,23 90,46

2043 252.417,32 0,02 2 0,01 3,78 0,85 1,00 92,00

2044 234.219,94 0,01 2 0,01 4,07 0,72 2,02 65,04

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '08' - Principal payment type 12Table '08' - Principal payment type 12

Principalpayment

typeOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Linear 52.423.847,90 3,21 1318 5,08 1,55 0,31 1,17 86,73

Annuity 1.578.917.894,73 96,79 24611 94,92 1,99 0,50 1,20 81,07

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '09' - Principal payment frequency 13Table '09' - Principal payment frequency 13

Principalpayment

frequencyOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Monthly 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '10' - Loan purpose 14Table '10' - Loan purpose 14

Loanpurpose Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Purchase 893.680.362,29 54,78 10994 42,40 1,81 0,54 1,22 86,02

Remortgage 534.591.459,44 32,77 11943 46,06 2,41 0,44 1,13 66,70

Construction 203.069.920,90 12,45 2992 11,54 1,54 0,44 1,23 98,61

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '11' - Employment type 15Table '11' - Employment type 15

Employmenttype Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Employed 1.447.975.061,60 88,76 23277 89,77 1,98 0,50 1,19 81,49

Unemployed 15.957.679,39 0,98 288 1,11 2,12 0,50 1,06 87,85

Self employed 167.409.001,64 10,26 2364 9,12 1,85 0,47 1,28 78,61

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '12' - Current loan to value 16Table '12' - Current loan to value 16

Current loan to valueOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Current Loan To Value <= 10% 73.353.799,10 4,50 3678 14,18 1,87 0,04 1,01 86,10

10% < CLTV <= 20% 126.756.753,46 7,77 4030 15,54 1,85 0,15 1,03 84,70

20% < CLTV <= 30% 175.893.785,98 10,78 3769 14,54 1,87 0,25 1,07 83,86

30% < CLTV <= 40% 194.637.162,82 11,93 3312 12,77 1,86 0,35 1,12 83,92

40% < CLTV <= 50% 212.355.127,28 13,02 2924 11,28 1,89 0,45 1,19 83,08

50% < CLTV <= 60% 231.229.672,20 14,17 2651 10,22 1,95 0,55 1,26 83,16

60% < CLTV <= 70% 243.173.262,93 14,91 2400 9,26 1,98 0,65 1,28 81,58

70% < CLTV <= 80% 243.798.765,55 14,94 2183 8,42 2,07 0,75 1,29 78,16

80% < CLTV <= 90% 129.783.557,51 7,96 977 3,77 2,43 0,83 1,27 66,48

90% < CLTV <= 100% 359.855,80 0,02 5 0,02 2,05 0,94 1,05 70,25

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '14' - Loan to mortgage 17Table '14' - Loan to mortgage 17

Loan to mortgageOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

LTM <= 10% 33.519.867,00 2,05 1373 5,30 1,77 0,00 1,00 86,59

10% < LTM <= 20% 13.656.564,89 0,84 1116 4,30 2,10 0,09 1,00 96,20

20% < LTM <= 30% 28.789.123,97 1,76 1404 5,41 1,93 0,16 1,00 93,59

30% < LTM <= 40% 60.957.690,41 3,74 2125 8,20 2,04 0,21 1,00 86,16

40% < LTM <= 50% 79.507.107,56 4,87 2235 8,62 1,93 0,26 1,00 90,68

50% < LTM <= 60% 116.805.818,59 7,16 2478 9,56 1,85 0,35 1,00 88,93

60% < LTM <= 70% 161.911.886,45 9,93 2613 10,08 1,93 0,46 1,00 89,34

70% < LTM <= 80% 219.136.788,83 13,43 2951 11,38 2,03 0,54 1,00 79,76

80% < LTM <= 90% 201.185.184,29 12,33 2280 8,79 2,28 0,62 1,00 69,48

90% < LTM <= 100% 64.086.289,98 3,93 970 3,74 1,86 0,46 1,00 87,11

100% < LTM <= 110% 73.216.441,07 4,49 952 3,67 1,75 0,50 1,05 91,34

110% < LTM <= 120% 77.209.260,92 4,73 929 3,58 1,81 0,52 1,15 89,98

120% < LTM <= 130% 87.056.308,25 5,34 903 3,48 1,85 0,57 1,25 85,86

130% < LTM <= 140% 73.634.790,41 4,51 725 2,80 1,94 0,58 1,35 81,64

140% < LTM <=150% 77.389.775,66 4,74 711 2,74 1,90 0,61 1,45 75,99

150% < LTM <=160% 81.124.334,08 4,97 676 2,61 2,01 0,60 1,55 70,02

160% < LTM <=170% 67.253.386,06 4,12 526 2,03 2,09 0,67 1,65 65,18

170% < LTM <=180% 30.903.343,88 1,89 238 0,92 2,15 0,66 1,73 64,63

180% < LTM <=190% 14.969.253,89 0,92 153 0,59 1,99 0,59 1,85 79,81

190% < LTM <=200% 10.608.942,71 0,65 95 0,37 1,99 0,58 1,95 74,59

200% < LTM <=250% 39.807.834,34 2,44 332 1,28 1,79 0,58 2,22 74,45

250% < LTM <=300% 16.774.504,19 1,03 131 0,51 1,78 0,57 2,87 66,42

350% < LTM <=400% 1.829.988,00 0,11 12 0,05 1,37 0,60 3,72 88,73

400% < LTM <=450% 7.257,20 0,00 1 0,00 2,62 0,64 4,29 89,00

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '15' - Adjusted loan to mortgage 18Table '15' - Adjusted loan to mortgage 18

Adjusted loan tomortgage Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

90% < LTM <= 100% 979.556.321,97 60,05 19545 75,38 2,01 0,44 1,00 82,96

100% < LTM <= 110% 73.216.441,07 4,49 952 3,67 1,75 0,50 1,05 91,34

110% < LTM <= 120% 77.209.260,92 4,73 929 3,58 1,81 0,52 1,15 89,98

120% < LTM <= 130% 87.056.308,25 5,34 903 3,48 1,85 0,57 1,25 85,86

130% < LTM <= 140% 73.634.790,41 4,51 725 2,80 1,94 0,58 1,35 81,64

140% < LTM <=150% 77.389.775,66 4,74 711 2,74 1,90 0,61 1,45 75,99

150% < LTM <=160% 81.124.334,08 4,97 676 2,61 2,01 0,60 1,55 70,02

160% < LTM <=170% 67.253.386,06 4,12 526 2,03 2,09 0,67 1,65 65,18

170% < LTM <=180% 30.903.343,88 1,89 238 0,92 2,15 0,66 1,73 64,63

180% < LTM <=190% 14.969.253,89 0,92 153 0,59 1,99 0,59 1,85 79,81

190% < LTM <=200% 10.608.942,71 0,65 95 0,37 1,99 0,58 1,95 74,59

200% < LTM <=250% 39.807.834,34 2,44 332 1,28 1,79 0,58 2,22 74,45

250% < LTM <=300% 16.774.504,19 1,03 131 0,51 1,78 0,57 2,87 66,42

350% < LTM <=400% 1.829.988,00 0,11 12 0,05 1,37 0,60 3,72 88,73

400% < LTM <=450% 7.257,20 0,00 1 0,00 2,62 0,64 4,29 89,00

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '16' - Hypothecair gedekt 19Table '16' - Hypothecair gedekt 19

Hypothecairgedekt Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Yes 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '17' - Original loan to value 20Table '17' - Original loan to value 20

Original loan to valueOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Original Loan To Value <= 10% 31.878.014,35 1,95 600 2,31 1,70 0,00 1,02 83,21

10% < OLTV <= 20% 19.994.840,94 1,23 832 3,21 1,85 0,13 1,21 74,54

20% < OLTV <= 30% 42.920.928,96 2,63 1341 5,17 1,84 0,18 1,13 77,28

30% < OLTV <= 40% 69.389.887,21 4,25 1836 7,08 1,96 0,22 1,10 75,98

40% < OLTV <= 50% 103.054.332,12 6,32 2307 8,90 1,99 0,29 1,13 74,69

50% < OLTV <= 60% 129.905.750,44 7,96 2492 9,61 1,96 0,35 1,16 79,43

60% < OLTV <= 70% 161.481.261,19 9,90 2645 10,20 1,96 0,42 1,22 77,95

70% < OLTV <= 80% 181.583.433,68 11,13 2716 10,47 1,98 0,48 1,23 78,96

80% < OLTV <= 90% 217.681.597,19 13,34 2843 10,96 2,00 0,56 1,25 78,69

90% < OLTV <= 100% 401.034.390,60 24,58 4611 17,78 2,06 0,66 1,23 78,66

100% < OLTV <= 110% 174.433.390,89 10,69 2207 8,51 1,86 0,64 1,15 98,23

110% < OLTV <= 120% 57.915.144,10 3,55 848 3,27 1,89 0,57 1,13 97,05

120% < OLTV <= 130% 11.780.686,90 0,72 207 0,80 1,95 0,48 1,16 88,05

130% < OLTV <= 140% 8.246.774,39 0,51 146 0,56 1,90 0,47 1,15 87,12

140% < OLTV <=150% 6.588.059,03 0,40 89 0,34 2,11 0,57 1,31 86,64

150% < OLTV 13.453.250,64 0,82 209 0,81 1,98 0,59 1,11 83,86

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '18' - Employee (Y/N) 21Table '18' - Employee (Y/N) 21

Employee(Y/N) Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

No 1.630.217.602,99 99,93 25913 99,94 1,97 0,49 1,19 81,27

Yes 1.124.139,64 0,07 16 0,06 1,66 0,60 1,20 66,88

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '19' - Occupancy Type 22Table '19' - Occupancy Type 22

Occupancy TypeOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Owner occupied 1.395.308.377,60 85,53 20409 78,71 1,98 0,51 1,19 80,98

Buy to let 85.747.449,81 5,26 1494 5,76 1,86 0,40 1,20 76,72

Mixed commercial / private 33.216.373,72 2,04 641 2,47 1,75 0,36 1,18 76,97

Other 117.069.541,50 7,18 3385 13,05 1,97 0,48 1,23 89,05

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '20' - Provincie 23Table '20' - Provincie 23

ProvincieOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Onbekend 29.567.361,25 1,81 483 1,86 1,70 0,00 1,00 83,87

Brussels Hoofdstedelijk gewest 19.900.664,20 1,22 258 1,00 1,82 0,49 1,38 81,05

Waals Brabant 6.410.421,53 0,39 97 0,37 1,86 0,45 1,22 96,56

Vlaams Brabant 269.635.663,27 16,53 4018 15,50 1,98 0,49 1,25 83,08

Antwerpen 488.899.339,26 29,97 7233 27,90 1,98 0,52 1,18 81,12

Limburg 207.572.239,15 12,72 3824 14,75 2,12 0,51 1,15 80,33

Luik 26.722.523,74 1,64 410 1,58 2,04 0,51 1,18 78,60

Namen 1.485.567,19 0,09 29 0,11 1,74 0,47 1,05 86,39

Henegouwen 8.095.926,89 0,50 129 0,50 2,06 0,56 1,10 84,80

Luxemburg 1.777.319,28 0,11 35 0,13 1,74 0,44 1,14 72,07

West-Vlaanderen 258.162.950,76 15,83 4431 17,09 1,95 0,49 1,19 79,51

Oost-Vlaanderen 313.111.766,11 19,19 4982 19,21 1,90 0,49 1,22 81,57

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '21' - Region 24Table '21' - Region 24

RegionOutstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

1. Flanders 1.566.949.319,80 96,05 24971 96,31 1,97 0,49 1,19 81,23

2. Brussels 19.900.664,20 1,22 258 1,00 1,82 0,49 1,38 81,05

3. Wallonie 44.491.758,63 2,73 700 2,70 1,99 0,50 1,16 82,32

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Table '22' - Property Type 25Table '22' - Property Type 25

PropertyType Outstanding

balance

%Outstanding


%Numberof loans


rate

Weightedaverage

CLTV


LTM

Weightedaverage

seasoning

Other 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Total 1.631.341.742,63 100,00 25929 100,00 1,97 0,49 1,19 81,26

Loan Invest N.V., Compartment Home Loan Invest …...2020/05/15 ·

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