YACHT INVESTMENT.
A YACHT INVESTMENT PAYS OFF WHEN PURCHASE AND FINANCING AS WELL AS OPERATION AND PRIVATE USE FIT TOGETHER.
Buying and running a yacht is unquestionably costly. We support you from selecting your yacht to the right charter concept. Whether leasing, financing or the Croatian model with commercial chartering - the options are diverse and require a thorough review of all possibilities, matching your ideas.
Buy-to-charter can pay off if you approach it without inflated expectations and with the right partners. Using the example of a well-equipped Lagoon 47, our calculator shows you how financing, occupancy and your own sailing weeks can affect your annual contribution.
Purchase and financing
Purchase price including your chosen equipment.
Minimum equity 30%
Your financing is calculated over this period.
Nominal annual interest rate of your financing.
Monthly financing in arrears without additional fees
This amount remains outstanding at the end of the financing term.
Permitted maximum: 262’500 EUR
Maximum 30 % of the purchase price up to 36 months, up to 60 months maximum 25 %, up to 84 months maximum 20 %. No balloon payment beyond 7 years. An internal limit of our calculator, not a generally applicable bank rule. Additionally limited by the financing amount and the estimated yacht value after selling costs at the end of the contract.
Charter and personal use
What share of the charter weeks available after personal use will be rented out?
This is how many weeks you use your yacht yourself.
Your choice of sailing time affects charter income.
Annual boat costs
Annual net amount excluding VAT.
Annual net amount excluding VAT.
Annual net amount excluding VAT.
Insurance costs and berth are empirical values that reflect real conditions; insurance including charter and skipper is mandatory, berth in Marina Baotic, Trogir. Maintenance and repair costs depend significantly on use and wear.
Your annual statement
All operating costs are net. VAT settlement follows at the end.
VAT payable (13 %)−29’589 EUR
Your monthly contribution
4’914 EUR
This equals 58’965 EUR per year.
Non-binding model calculation for commercial charter operation in Croatia with input VAT deduction entitlement and Croatian financing or leasing. The calculation accounts for VAT in the background. Deductible input VAT is offset against the output VAT on charter income; the resulting balance payable or credit is taken into account.
The charter income is an estimate based on current price lists. As bookings cannot be predicted precisely week by week, the calculation assumes that the 10 high-season weeks are booked first. Lower occupancy tends to arise in the low season.
Your key figures
Use of your yacht
- Expected charter weeks: 20 weeks
- Personal use: 0 weeks
- Free charter weeks: 8 weeks
- Time outside the season: 24 weeks
The bar shows the model year: booked charter weeks, owner use, free weeks of the offered season and the time outside the 28 offered weeks.
Value development and sale
Your yacht at the end of the contract · 60 months
Your investment balance · 60 months
Calculated surplus at sale
65’851 EUR
Value development and financing in detail
| Year | Estimated market value | Lease balance | Calculated value after deducting the balance | Annual surplus / own contribution |
|---|---|---|---|---|
| Purchase | 1’050’000 EUR | 682’500 EUR | 367’500 EUR | −367’500 EUR |
| Year 1 | 976’500 EUR | 559’271 EUR | 417’229 EUR | −58’965 EUR |
| Year 2 | 924’000 EUR | 429’738 EUR | 494’262 EUR | −58’965 EUR |
| Year 3 | 871’500 EUR | 293’577 EUR | 577’923 EUR | −58’965 EUR |
| Year 4 | 819’000 EUR | 150’450 EUR | 668’550 EUR | −58’965 EUR |
| Year 5 | 766’500 EUR | 1 EUR | 766’499 EUR | −58’965 EUR |
The calculated value after deducting the balance is before selling costs and is not an available account balance.
The estimated market value is not a commitment to sell.
The assumed loss in value is an economic model assumption, not a guaranteed market value development or tax depreciation.
The agreed final instalment is independent of the estimated market value.
Early settlement or a sale requires the contractual option to do so.
Individual settlement fees are not automatically taken into account.
The personal benefit of your own sailing weeks is not counted as an additional cash inflow.
The assumptions of unchanged charter prices, occupancy and annual costs apply throughout the entire period.
Purchase price and sale price are compared on the same VAT basis; no additional sales VAT or tax refund is applied.
Separate preparation costs for the sale are not automatically included.
Compare scenarios
| Occupancy | Paid weeks | Available charter weeks | Owner weeks and season | Gross charter revenue | Annual result · Years 1–5 | Overall result at sale · 60 months |
|---|---|---|---|---|---|---|
| 60 % | 17 | 28 | 0 · Low season | 229’800 EUR | −73’622 EUR | −7’438 EUR |
| 70 % | 20 | 28 | 0 · Low season | 257’200 EUR | −58’965 EUR | +65’851 EUR |
| 80 % | 23 | 28 | 0 · Low season | 281’300 EUR | −46’072 EUR | +130’313 EUR |
| 100 % | 28 | 28 | 0 · Low season | 315’200 EUR | −27’937 EUR | +220’988 EUR |
Positive values are payment surpluses. Negative values show your additional annual contribution.
100 % corresponds to a calculated full occupancy and is not a booking forecast.
Non-binding model calculation. Actual income, costs, financing terms and sale prices may differ. Individual tax consequences are not taken into account.
Non-binding model calculation. Loss in value and estimated sale price are based on fixed model assumptions. Actual income, costs and financing terms may differ. Income taxes and individual tax consequences of the sale are not included.
Which yacht and which charter concept suit you?
We would be happy to prepare an individual calculation with you and review the suitable financing options.
YOUR WAY TO THE SEA STARTS WITH US.
Which catamaran suits your ideas?