The Homepage

A

Your Debt

Important debt data, at the viewing date:

• Average Rate: Equal, at the computing date, to the average of rates from different debt rows, rates weighted by balances. Displayed rates come from the ones of the current interest periods. The average rate is a rate annually paid in the Act/Act basis. Fairways Debt adequately converts the day count convention and the interest payment frequency to ensure the rates are homogeneous. The average rate takes into account forward rates for indexations in arrears.
• Remaining Term: Average of the remaining lifetimes of each loan, weighted by the remaining principal.
• Average Term to Maturity: Average speed for repaying the loan in years. Required duration to repay half of the remaining outstanding balance of a debt, taking into account its amortization.
• Euribor Spread - 3 Months: Average spread for a 15-year loan with a quarterly linear amortization.

Note: You can edit the market date in the header to display data on that date.

B

Average Interest Rate Curve including Derivatives (%)

Evolution of the average rate for a 4-year period, which depends on forwards of monetary indexes, loan start date and maturity date.

C

Financial Markets

Groups the main market data used in debt management, from Eonia to 15-year fixed market rates.

D

Yield Curve EUR

Evolution of CMS EUR for each maturity. The green curve represents today and the pink curve three years ago.

The curve is usually growing: a long-term rate is higher than a short-term rate.

E

Your Consultant

Your dedicated consultant's contact details, and their manager's.

F

Help

G

Messages

Exchanges with your consultant, and monthly summaries. Every month, a summary details the debt characteristics booked in Fairways Debt, in a Word format. It is an automated and complete reporting tool.