Case Study Decision to Invest in a Certified Passive House or Invest in Current Building Regulations Standard House?

Slides:

Advertisements

Similar presentations

Choose level of difficulty Brian wants to invest £ for one year. His bank offers two plans. Plan A Annual Booster: 6·5% per year, with the interest.

Advertisements

Q5- U-Value 2010 HL 5. (a) Calculate the U-value of an uninsulated external solid concrete wall of a dwelling house built in the 1950s given the following.

Compound Interest. Does anyone have any interest in interest? Very few banks today pay interest based on the simple interest formula. Instead, they pay.

Chapter 4: Time Value of Money

1. Outline Set business objectives What do you want from your farm business Most farmers will want to develop the business To develop the business you.

Multiple Cash Flows –Future Value Example 6.1

Contemporry Engineering Economics, 4 th edition, © 2007 Equivalence Calculations with Continuous Payments Lecture No.12 Chapter 4 Contemporary Engineering.

Interest Formulas – Equal Payment Series

Specification Report CSCI Requirements of Specification Report  Must be clear and intelligible to client  Must be complete and detailed to result.

Mortgage Interest Rates. Learning Outcomes The main learning outcomes for this lesson are: Learn what the interest rates are for mortgages. Understand.

Optimization Of Net Zero Energy Houses Gary Proskiw, P. Eng. Proskiw Engineering Ltd.

Financial Applications -Mortgages Choi. Mortgages  The largest investment most people ever make is buying a house. Since the price of many houses in.

Q3: Ms. Rigsby made a $40,000 down payment on a $165,000 house and took out a 20 year mortgage (at 6% compounded monthly) on the balance. How much will.

BUY A HOUSE HOW MUCH HOUSE CAN YOU AFFORD?. GROUP 5 ERICA MCMILLAN- BRADLEY ELLIS – PILAR GONZALEZ.

Euroheat & Power Why is there not more combined heat and power?

Financial Institutions These are companies that provide financial products and services such as current accounts, overdrafts, credit cards, loans, insurance,

Building your Energy Efficient New Home. Learning Objectives: The features of an energy efficient house How energy efficient homes are rated on the EnerGuide.

HRA Self-Financing Update What it means & what we’ve done Housing Briefing 19 January 2012.

The Basics of Investing Stocks, Bonds & Cash Accounts.

Risk, Return, and the Time Value of Money Chapter 14.

Engineering Economy Why is Engineering Economy important? Practical everyday questions –Should you finance your car or pay cash? Finance for $6995 –vs-

Energy-Efficient Retrofits for Houses

Time Value of Money. Present value is a concept that is simple to compute. It is useful in decision making ranging from simple personal decisions— buying.

Loans Paying back a borrowed amount (A n )in n regular equal payments(R), with interest rate i per time period is a form of present value annuity. Rewrite.

Loans and Investments Lesson 1.5.

 What large purchases or expenditures do you foresee in your future?  How are you preparing to make these purchases a reality?

Energy Economics A synthetic methane plant from coal is to be constructed at a cost of $4 billion dollars. It requires 14,000 tons/day of coal (10,000.

Background Key Influencing factors Budget Strategy Key issues facing Middlesbrough Central Government Funding Budget (Assumptions) Budget (Projections)

CT108 – Energy Audit Assignment. Top Down And Bottom Up Approach The Top Down Approach The “top down” approach assesses the total energy inputs which.

Lesson3: Mortgage Payments Amortization = How long it takes you to pay off the house, ex: 10, 20 years or more. Down Payment = 1 st cash payment of at.

Vehicle 1 Price: $25, 000 Depreciation: $3000 per year Vehicle 2 Price: $25, 000 Depreciation: 15% per year So you want to buy a car?

Unit 5: Personal Finance Services of the Bank  Place to store your money safely – an Account.

Quick answers If the bank is offering 12% per year compounded quarterly what would be the value of “i” in the Amount of an annuity formula? If the Nicole.

Agribusiness Library LESSON L060013: THE TIME VALUE OF MONEY.

Project Proposal Economic Options for Purchasing a House Team 4 Shane Carlson Matthew Dwight Toan Duong.

Compound Interest Home Buying Project College Prep Math Project Example.

Contemporary Engineering Economics, 6 th edition Park Copyright © 2016 by Pearson Education, Inc. All Rights Reserved Interest Formulas – Equal Payment.

An Overview of Personal Finance The Time Value of Money –Money received today is worth more that money to be received in the future –Interest Rates Nominal.

Find the amount after 7 years if $100 is invested at an interest rate of 13% per year if it is a. compounded annually b. compounded quarterly.

Essential Standard 4.00 Understand the role of finance in business.

 Wage is classified at level 3 ($35,001-$80,000)  70, ,001 = $34,999  34,999 x 0.30 (30c for each dollar over $35,001) = $10,  10,499.7.

Interest and Exchange Rates. Interest Rates The Bank of England changes the interest rate in order to control the rate of ____________. The Bank of England.

Determine the amount saved if $375 is deposited every month for 6 years at 5.9% per year compounded monthly. N = 12 X 6 = 72 I% = 5.9 PV = 0 PMT = -375.

Design of an Integrated Solar – Geothermal Residential HVAC System Dale Summach Prabhjot Tung Tony Chomiak.

8.4 TLW apply loan and investment tables Banks provide tables to help people calculate their repayments.

Energy Economics A synthetic methane plant from coal is to be constructed at a cost of $4 billion dollars. It requires 14,000 tons/day of coal (10,000.

INTEREST. Simple Interest Compound Interest SIMPLE INTEREST VS. COMPOUND INTEREST Interest earned on the principal investment Earning interest on interest.

Calculating interest You can calculate the time value of your savings by figuring out how much interest you will earn. Principal – the original amount.

Equivalence Calculations with Continuous Payments

Equivalence Calculations with Continuous Payments

Interest Formulas – Equal Payment Series

8.3 Compound Interest HW: (1-21 Odds, Odds)

Future Value of an Investment

Compound Interest.

Energy Efficiency Standard for Social Housing (EESSH)

Orla Coyle– NZEB and High Performance Retrofit- Programme Manager 15th May 2018 The Institution of Structural Engineers Nearly Zero Energy Buildings.

Real Estate Principles, 11th Edition

Compound Interest.

©G Dear2008 – Not to be sold/Free to use

Reading: Intro. To Investing

Interest rate, Nominal Interest Rate & Real Interest Rate.

Quantities and Price.

HOW TO MAKE MONEY WITHOUT DOING ANY WORK

Offerings and Subscription Details

Compounded and Continuous Interest

Interest Rates, Terms, Total Financed Amount

Example 7 Investment The future value of $3000 invested for 3 years at rate r, compounded annually, is given by What interest rate will give a future value.

Ethinfra - 7 Things to Know Before Buying Investment Property

Presentation transcript:

Case Study Decision to Invest in a Certified Passive House or Invest in Current Building Regulations Standard House?

Typical Proposed House Details Floor Area 200 m2 External Wall Area 250 m2

Initial Building and Heating Costs Building Cost Options* Heating Costs Year One Certified Passive House - €230, Low Energy House - €222, Current Building Regulations - €219, Certified Passive House - € Low Energy House - € Current Building Regulation - €1,380.00

Building and Heating Costs Over 30 year Period 30 Year Mortgage Costs 30 Year Heating Costs Certified Passive House -€304, Low Energy House - €301, Current Building Regulations - €295, Certified Passive House -€11, Low Energy House - €33, Current Building Regulations - €67,620.00

Costs/Savings Over Time Mortgage and Heating Costs after 30 year period

Assumptions/Clarifications Passive House and Current Building Regulations are getting closer in terms of part L which covers conversation of Fuel and Energy – Dwellings Passive House External Wall calculated at €44.00 per m2 extra over in comparison to current building regulation standards * Building costs include substructure and superstructure works All houses comparisons are based on each having HRV and airtightness works Mortgage amounts are based on building costs less client savings of €40, over 30 years Repayment amounts are sourced from Bank of Ireland and AIB mortgage calculators – see mortgage comparison website for updated rates etc. Heating costs are calculated using PHPP software Heat costs are based on 2012 prices Heating costs after 30 years are calculated using initial cost on year one, at a 3% inflation rate, compounded annually over 30 years