Home purchase model

Purchase price 750000

Downpayment 150000
Interest rate 6%
Principal amortization (years) 30
Property tax rate 1.25%
Annual maintainance 1000
Housing association dues (annual) 2000
Annual insurance 1500
Assumed annual appreciation 3%
Assumed marginal income tax rate 30%
General inflation 2%
Monthly mortage payment 3575.86 Assuming interest compounds monthly

Cost of renting similar home 2500

Assumed rental price inflation 3%
Assumed annual (after tax) return on cash 6%

Month 0 1 2 3

Buying scenario

Home Value 750,000 751,875 753,755 755,639

Debt 600,000 599,424 598,845 598,264
Equity in home 150,000 152,451 154,909 157,375

Interest on debt 3,000 2,997 2,994

Mortage payment 3,576 3,576 3,576
Paid principal 576 579 582

Insurance payment 125 125 125

Housing association dues 167 167 167
Maintenance 83 83 84
Property tax 781 783 785
Income tax savings from interest deduction 1,134 1,134 1,134
Total cash outflow in buying scenario 3,598 3,601 3,603

Renting Scenario
Cashflow that could be spent on home-purchase/expesnes 3,598 3,601 3,603
Rent 2,500 2,506 2,513 2,519

Savings when renting 150,000 151,841 153,689 155,542

Home value after 10 years 1,012,015

Debt after 10 years 505,628
Home Equity after 10 years 506,387
Transaction costs of selling in year 10 60,721
Net cash if home sold in 10 years (assuming no 445,666

Savings after 10 years if renting 419,548

Present value benefit of owning vs. renting for 21,426

 4 5 6 7 8 9 10

757,528 759,422 761,321 763,224 765,132 767,045 768,962

597,679 597,092 596,501 595,908 595,312 594,712 594,110
159,849 162,330 164,819 167,316 169,820 172,332 174,852

2,991 2,988 2,985 2,983 2,980 2,977 2,974

3,576 3,576 3,576 3,576 3,576 3,576 3,576
585 587 590 593 596 599 602

126 126 126 126 126 127 127

168 168 168 168 169 169 169
84 84 84 84 84 84 85
787 789 791 793 795 797 799
1,134 1,133 1,133 1,133 1,132 1,132 1,132
3,606 3,609 3,612 3,615 3,618 3,621 3,624

3,606 3,609 3,612 3,615 3,618 3,621 3,624

2,525 2,531 2,538 2,544 2,550 2,557 2,563

157,401 159,266 161,136 163,013 164,895 166,784 168,678

 11 12 13 14 15 16 17

770,885 772,812 774,744 776,681 778,623 780,569 782,521

593,505 592,896 592,285 591,671 591,053 590,432 589,809
177,380 179,916 182,459 185,010 187,569 190,137 192,712

2,971 2,968 2,964 2,961 2,958 2,955 2,952

3,576 3,576 3,576 3,576 3,576 3,576 3,576
605 608 611 614 618 621 624

127 127 128 128 128 128 128

169 170 170 170 171 171 171
85 85 85 85 85 85 86
801 803 805 807 809 811 813
1,131 1,131 1,131 1,131 1,130 1,130 1,130
3,627 3,630 3,633 3,636 3,639 3,642 3,645

3,627 3,630 3,633 3,636 3,639 3,642 3,645

2,570 2,576 2,582 2,589 2,595 2,602 2,608

170,579 172,485 174,398 176,317 178,241 180,172 182,109

 18 19 20 21 22 23 24

784,477 786,438 788,404 790,375 792,351 794,332 796,318

589,182 588,552 587,919 587,283 586,643 586,001 585,355
195,295 197,886 200,485 203,093 205,708 208,331 210,963

2,949 2,946 2,943 2,940 2,936 2,933 2,930

3,576 3,576 3,576 3,576 3,576 3,576 3,576
627 630 633 636 639 643 646

129 129 129 129 129 130 130

171 172 172 172 173 173 173
86 86 86 86 86 86 87
815 817 819 821 823 825 827
1,129 1,129 1,129 1,128 1,128 1,128 1,127
3,648 3,651 3,654 3,657 3,660 3,663 3,666

3,648 3,651 3,654 3,657 3,660 3,663 3,666

2,615 2,621 2,628 2,635 2,641 2,648 2,654

184,052 186,002 187,957 189,919 191,887 193,861 195,842

 25 26 27 28 29 30 31

798,309 800,304 802,305 804,311 806,322 808,337 810,358

584,706 584,053 583,398 582,739 582,077 581,411 580,742
213,603 216,251 218,907 221,572 224,245 226,926 229,616

2,927 2,924 2,920 2,917 2,914 2,910 2,907

3,576 3,576 3,576 3,576 3,576 3,576 3,576
649 652 656 659 662 665 669

130 130 131 131 131 131 131

173 174 174 174 175 175 175
87 87 87 87 87 87 88
829 832 834 836 838 840 842
1,127 1,127 1,126 1,126 1,125 1,125 1,125
3,669 3,672 3,675 3,678 3,681 3,684 3,687

3,669 3,672 3,675 3,678 3,681 3,684 3,687

2,661 2,668 2,674 2,681 2,688 2,694 2,701

197,829 199,822 201,822 203,828 205,840 207,859 209,885

 32 33 34 35 36 37 38

812,384 814,415 816,451 818,492 820,539 822,590 824,646

580,070 579,395 578,716 578,033 577,348 576,659 575,966
232,314 235,021 237,735 240,459 243,191 245,931 248,680

2,904 2,900 2,897 2,894 2,890 2,887 2,883

3,576 3,576 3,576 3,576 3,576 3,576 3,576
672 676 679 682 686 689 693

132 132 132 132 133 133 133

175 176 176 176 177 177 177
88 88 88 88 88 88 89
844 846 848 850 853 855 857
1,124 1,124 1,124 1,123 1,123 1,122 1,122
3,691 3,694 3,697 3,700 3,703 3,706 3,710

3,691 3,694 3,697 3,700 3,703 3,706 3,710

2,708 2,715 2,722 2,728 2,735 2,742 2,749

211,917 213,955 216,000 218,052 220,110 222,175 224,247

 39 40 41 42 43 44 45

826,708 828,775 830,847 832,924 835,006 837,094 839,186

575,270 574,571 573,867 573,161 572,451 571,737 571,020
251,438 254,204 256,979 259,763 262,555 265,356 268,166

2,880 2,876 2,873 2,869 2,866 2,862 2,859

3,576 3,576 3,576 3,576 3,576 3,576 3,576
696 700 703 707 710 714 717

133 133 134 134 134 134 135

178 178 178 178 179 179 179
89 89 89 89 89 90 90
859 861 863 865 868 870 872
1,122 1,121 1,121 1,120 1,120 1,120 1,119
3,713 3,716 3,719 3,722 3,726 3,729 3,732

3,713 3,716 3,719 3,722 3,726 3,729 3,732

2,756 2,763 2,769 2,776 2,783 2,790 2,797

226,325 228,410 230,502 232,600 234,706 236,818 238,937

 46 47 48 49 50 51 52

841,284 843,388 845,496 847,610 849,729 851,853 853,983

570,299 569,575 568,847 568,115 567,380 566,641 565,898
270,985 273,813 276,649 279,494 282,349 285,212 288,084

2,855 2,851 2,848 2,844 2,841 2,837 2,833

3,576 3,576 3,576 3,576 3,576 3,576 3,576
721 724 728 732 735 739 743

135 135 135 135 136 136 136

180 180 180 181 181 181 181
90 90 90 90 90 91 91
874 876 879 881 883 885 887
1,119 1,118 1,118 1,117 1,117 1,117 1,116
3,735 3,739 3,742 3,745 3,749 3,752 3,755

3,735 3,739 3,742 3,745 3,749 3,752 3,755

2,804 2,811 2,818 2,825 2,832 2,840 2,847

241,062 243,195 245,335 247,481 249,635 251,796 253,963

 53 54 55 56 57 58 59

856,118 858,258 860,404 862,555 864,711 866,873 869,040

565,152 564,402 563,648 562,891 562,129 561,364 560,595
290,966 293,856 296,755 299,664 302,582 305,509 308,445

2,829 2,826 2,822 2,818 2,814 2,811 2,807

3,576 3,576 3,576 3,576 3,576 3,576 3,576
746 750 754 758 761 765 769

136 137 137 137 137 137 138

182 182 182 183 183 183 184
91 91 91 91 91 92 92
890 892 894 896 898 901 903
1,116 1,115 1,115 1,114 1,114 1,113 1,113
3,759 3,762 3,765 3,769 3,772 3,776 3,779

3,759 3,762 3,765 3,769 3,772 3,776 3,779

2,854 2,861 2,868 2,875 2,882 2,890 2,897

256,138 258,320 260,509 262,705 264,908 267,119 269,336

 60 61 62 63 64 65 66

871,213 873,391 875,574 877,763 879,957 882,157 884,363

559,822 559,045 558,265 557,480 556,692 555,899 555,103
311,391 314,345 317,310 320,283 323,266 326,258 329,260

2,803 2,799 2,795 2,791 2,787 2,783 2,779

3,576 3,576 3,576 3,576 3,576 3,576 3,576
773 777 781 785 788 792 796

138 138 138 139 139 139 139

184 184 184 185 185 185 186
92 92 92 92 93 93 93
905 908 910 912 914 917 919
1,112 1,112 1,112 1,111 1,111 1,110 1,110
3,782 3,786 3,789 3,793 3,796 3,800 3,803

3,782 3,786 3,789 3,793 3,796 3,800 3,803

2,904 2,911 2,919 2,926 2,933 2,941 2,948

271,561 273,794 276,033 278,280 280,535 282,796 285,066

 67 68 69 70 71 72 73

886,574 888,790 891,012 893,240 895,473 897,711 899,956

554,302 553,498 552,690 551,877 551,061 550,240 549,416
332,271 335,292 338,322 341,362 344,412 347,471 350,540

2,776 2,772 2,767 2,763 2,759 2,755 2,751

3,576 3,576 3,576 3,576 3,576 3,576 3,576
800 804 808 812 816 821 825

140 140 140 140 140 141 141

186 186 187 187 187 188 188
93 93 93 93 94 94 94
921 924 926 928 930 933 935
1,109 1,109 1,108 1,107 1,107 1,106 1,106
3,807 3,810 3,814 3,817 3,821 3,824 3,828

3,807 3,810 3,814 3,817 3,821 3,824 3,828

2,955 2,963 2,970 2,977 2,985 2,992 3,000

287,342 289,627 291,918 294,218 296,525 298,839 301,161

 74 75 76 77 78 79 80

902,206 904,461 906,722 908,989 911,261 913,540 915,823

548,587 547,754 546,917 546,075 545,230 544,380 543,526
353,619 356,707 359,805 362,913 366,031 369,159 372,297

2,747 2,743 2,739 2,735 2,730 2,726 2,722

3,576 3,576 3,576 3,576 3,576 3,576 3,576
829 833 837 841 845 850 854

141 141 142 142 142 142 143

188 189 189 189 189 190 190
94 94 94 95 95 95 95
937 940 942 945 947 949 952
1,105 1,105 1,104 1,104 1,103 1,103 1,102
3,831 3,835 3,839 3,842 3,846 3,849 3,853

3,831 3,835 3,839 3,842 3,846 3,849 3,853

3,007 3,015 3,022 3,030 3,038 3,045 3,053

303,491 305,829 308,174 310,527 312,888 315,257 317,634

 81 82 83 84 85 86 87

918,113 920,408 922,709 925,016 927,329 929,647 931,971

542,668 541,806 540,939 540,068 539,192 538,312 537,428
375,445 378,603 381,771 384,949 388,137 391,335 394,543

2,718 2,713 2,709 2,705 2,700 2,696 2,692

3,576 3,576 3,576 3,576 3,576 3,576 3,576
858 863 867 871 876 880 884

143 143 143 144 144 144 144

190 191 191 191 192 192 192
95 95 96 96 96 96 96
954 956 959 961 964 966 968
1,101 1,101 1,100 1,100 1,099 1,099 1,098
3,857 3,860 3,864 3,868 3,872 3,875 3,879

3,857 3,860 3,864 3,868 3,872 3,875 3,879

3,060 3,068 3,076 3,083 3,091 3,099 3,107

320,018 322,411 324,811 327,220 329,636 332,061 334,494

 88 89 90 91 92 93 94

934,301 936,637 938,978 941,326 943,679 946,038 948,403

536,539 535,646 534,748 533,846 532,940 532,028 531,113
397,762 400,991 404,230 407,480 410,740 414,010 417,291

2,687 2,683 2,678 2,674 2,669 2,665 2,660

3,576 3,576 3,576 3,576 3,576 3,576 3,576
889 893 898 902 907 911 916

144 145 145 145 145 146 146

193 193 193 194 194 194 195
96 96 97 97 97 97 97
971 973 976 978 981 983 985
1,097 1,097 1,096 1,096 1,095 1,094 1,094
3,883 3,887 3,890 3,894 3,898 3,902 3,905

3,883 3,887 3,890 3,894 3,898 3,902 3,905

3,114 3,122 3,130 3,138 3,146 3,153 3,161

336,935 339,384 341,841 344,306 346,780 349,262 351,753

 95 96 97 98 99 100 101

950,774 953,151 955,534 957,923 960,318 962,719 965,125

530,192 529,267 528,338 527,404 526,465 525,521 524,573
420,582 423,884 427,196 430,519 433,853 437,197 440,552

2,656 2,651 2,646 2,642 2,637 2,632 2,628

3,576 3,576 3,576 3,576 3,576 3,576 3,576
920 925 930 934 939 944 948

146 146 147 147 147 147 148

195 195 196 196 196 197 197
97 98 98 98 98 98 98
988 990 993 995 998 1,000 1,003
1,093 1,092 1,092 1,091 1,090 1,090 1,089
3,909 3,913 3,917 3,921 3,925 3,929 3,933

3,909 3,913 3,917 3,921 3,925 3,929 3,933

3,169 3,177 3,185 3,193 3,201 3,209 3,217

354,252 356,759 359,274 361,799 364,331 366,872 369,422

 102 103 104 105 106 107 108

967,538 969,957 972,382 974,813 977,250 979,693 982,142

523,620 522,662 521,700 520,732 519,760 518,783 517,801
443,918 447,295 450,682 454,081 457,490 460,910 464,341

2,623 2,618 2,613 2,608 2,604 2,599 2,594

3,576 3,576 3,576 3,576 3,576 3,576 3,576
953 958 963 967 972 977 982

148 148 148 149 149 149 149

197 198 198 198 199 199 199
99 99 99 99 99 99 100
1,005 1,008 1,010 1,013 1,015 1,018 1,021
1,088 1,088 1,087 1,086 1,086 1,085 1,084
3,936 3,940 3,944 3,948 3,952 3,956 3,960

3,936 3,940 3,944 3,948 3,952 3,956 3,960

3,225 3,233 3,241 3,249 3,258 3,266 3,274

371,981 374,548 377,123 379,708 382,301 384,903 387,514

 109 110 111 112 113 114 115

984,598 987,059 989,527 992,001 994,481 996,967 999,459

516,814 515,823 514,826 513,824 512,817 511,806 510,789
467,783 471,237 474,701 478,177 481,663 485,161 488,671

2,589 2,584 2,579 2,574 2,569 2,564 2,559

3,576 3,576 3,576 3,576 3,576 3,576 3,576
987 992 997 1,002 1,007 1,012 1,017

150 150 150 150 151 151 151

200 200 200 201 201 201 202
100 100 100 100 100 101 101
1,023 1,026 1,028 1,031 1,033 1,036 1,039
1,084 1,083 1,082 1,081 1,081 1,080 1,079
3,964 3,968 3,972 3,976 3,980 3,984 3,989

3,964 3,968 3,972 3,976 3,980 3,984 3,989

3,282 3,290 3,298 3,307 3,315 3,323 3,332

390,134 392,763 395,400 398,047 400,703 403,367 406,041

 116 117 118 119 120 121 122

1,001,958 1,004,463 1,006,974 1,009,491 1,012,015 1,014,545 1,017,082

509,767 508,740 507,708 506,670 505,628 504,580 503,527
492,191 495,723 499,266 502,821 506,387 509,965 513,554

2,554 2,549 2,544 2,539 2,533 2,528 2,523

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,022 1,027 1,032 1,037 1,043 1,048 1,053

151 152 152 152 152 153 153

202 202 203 203 203 204 204
101 101 101 101 102 102 102
1,041 1,044 1,046 1,049 1,052 1,054 1,057
1,079 1,078 1,077 1,076 1,075 1,075 1,074
3,993 3,997 4,001 4,005 4,009 4,013 4,017

3,993 3,997 4,001 4,005 4,009 4,013 4,017

3,340 3,348 3,357 3,365 3,373 3,382 3,390

408,724 411,416 414,118 416,828 419,548 422,277 425,016

 123 124 125 126 127 128 129

1,019,624 1,022,173 1,024,729 1,027,291 1,029,859 1,032,433 1,035,015

502,469 501,405 500,337 499,262 498,183 497,098 496,007
517,155 520,768 524,392 528,028 531,676 535,336 539,007

2,518 2,512 2,507 2,502 2,496 2,491 2,485

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,058 1,064 1,069 1,074 1,080 1,085 1,090

153 153 154 154 154 154 155

204 205 205 205 206 206 206
102 102 102 103 103 103 103
1,059 1,062 1,065 1,067 1,070 1,073 1,075
1,073 1,072 1,072 1,071 1,070 1,069 1,068
4,022 4,026 4,030 4,034 4,039 4,043 4,047

4,022 4,026 4,030 4,034 4,039 4,043 4,047

3,399 3,407 3,416 3,424 3,433 3,441 3,450

427,764 430,521 433,288 436,065 438,851 441,646 444,452

 130 131 132 133 134 135 136

1,037,602 1,040,196 1,042,797 1,045,404 1,048,017 1,050,637 1,053,264

494,912 493,810 492,703 491,591 490,473 489,350 488,221
542,690 546,386 550,093 553,812 557,544 561,287 565,043

2,480 2,475 2,469 2,464 2,458 2,452 2,447

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,096 1,101 1,107 1,112 1,118 1,123 1,129

155 155 155 156 156 156 157

207 207 207 208 208 208 209
103 103 104 104 104 104 104
1,078 1,081 1,084 1,086 1,089 1,092 1,094
1,067 1,067 1,066 1,065 1,064 1,063 1,062
4,051 4,056 4,060 4,064 4,069 4,073 4,077

4,051 4,056 4,060 4,064 4,069 4,073 4,077

3,459 3,467 3,476 3,485 3,493 3,502 3,511

447,267 450,091 452,926 455,770 458,624 461,489 464,363

 137 138 139 140 141 142 143

1,055,897 1,058,537 1,061,183 1,063,836 1,066,495 1,069,162 1,071,835

487,086 485,945 484,799 483,647 482,490 481,326 480,157
568,811 572,591 576,384 580,188 584,006 587,835 591,677

2,441 2,435 2,430 2,424 2,418 2,412 2,407

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,135 1,140 1,146 1,152 1,158 1,163 1,169

157 157 157 158 158 158 158

209 209 210 210 210 211 211
105 105 105 105 105 105 106
1,097 1,100 1,103 1,105 1,108 1,111 1,114
1,061 1,061 1,060 1,059 1,058 1,057 1,056
4,082 4,086 4,091 4,095 4,100 4,104 4,109

4,082 4,086 4,091 4,095 4,100 4,104 4,109

3,520 3,528 3,537 3,546 3,555 3,564 3,573

467,247 470,141 473,045 475,959 478,883 481,818 484,763

 144 145 146 147 148 149 150

1,074,514 1,077,201 1,079,894 1,082,593 1,085,300 1,088,013 1,090,733

478,982 477,801 476,614 475,421 474,223 473,018 471,807
595,532 599,399 603,279 607,172 611,077 614,995 618,926

2,401 2,395 2,389 2,383 2,377 2,371 2,365

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,175 1,181 1,187 1,193 1,199 1,205 1,211

159 159 159 159 160 160 160

211 212 212 213 213 213 214
106 106 106 106 106 107 107
1,116 1,119 1,122 1,125 1,128 1,131 1,133
1,055 1,054 1,053 1,052 1,051 1,050 1,050
4,113 4,118 4,122 4,127 4,131 4,136 4,140

4,113 4,118 4,122 4,127 4,131 4,136 4,140

3,582 3,591 3,600 3,609 3,618 3,627 3,636

487,718 490,683 493,659 496,645 499,642 502,649 505,667

 151 152 153 154 155 156 157

1,093,460 1,096,193 1,098,934 1,101,681 1,104,436 1,107,197 1,109,965

470,590 469,367 468,138 466,903 465,662 464,414 463,161
622,869 626,826 630,796 634,778 638,774 642,782 646,804

2,359 2,353 2,347 2,341 2,335 2,328 2,322

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,217 1,223 1,229 1,235 1,241 1,248 1,254

160 161 161 161 162 162 162

214 214 215 215 215 216 216
107 107 107 108 108 108 108
1,136 1,139 1,142 1,145 1,148 1,150 1,153
1,049 1,048 1,047 1,046 1,045 1,044 1,043
4,145 4,150 4,154 4,159 4,163 4,168 4,173

4,145 4,150 4,154 4,159 4,163 4,168 4,173

3,645 3,654 3,663 3,672 3,681 3,691 3,700

508,695 511,734 514,784 517,844 520,916 523,998 527,091

 158 159 160 161 162 163 164

1,112,740 1,115,521 1,118,310 1,121,106 1,123,909 1,126,718 1,129,535

461,900 460,634 459,361 458,082 456,797 455,505 454,207
650,839 654,887 658,949 663,024 667,112 671,213 675,329

2,316 2,310 2,303 2,297 2,290 2,284 2,278

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,260 1,266 1,273 1,279 1,285 1,292 1,298

162 163 163 163 163 164 164

216 217 217 218 218 218 219
108 108 109 109 109 109 109
1,156 1,159 1,162 1,165 1,168 1,171 1,174
1,042 1,041 1,040 1,039 1,037 1,036 1,035
4,178 4,182 4,187 4,192 4,197 4,201 4,206

4,178 4,182 4,187 4,192 4,197 4,201 4,206

3,709 3,718 3,728 3,737 3,746 3,756 3,765

530,194 533,309 536,435 539,572 542,720 545,879 549,050

 165 166 167 168 169 170 171

1,132,359 1,135,190 1,138,028 1,140,873 1,143,725 1,146,585 1,149,451

452,902 451,591 450,273 448,948 447,617 446,279 444,935
679,457 683,599 687,755 691,925 696,108 700,305 704,516

2,271 2,265 2,258 2,251 2,245 2,238 2,231

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,305 1,311 1,318 1,325 1,331 1,338 1,344

164 165 165 165 165 166 166

219 219 220 220 220 221 221
110 110 110 110 110 110 111
1,177 1,180 1,182 1,185 1,188 1,191 1,194
1,034 1,033 1,032 1,031 1,030 1,029 1,028
4,211 4,216 4,221 4,225 4,230 4,235 4,240

4,211 4,216 4,221 4,225 4,230 4,235 4,240

3,775 3,784 3,793 3,803 3,812 3,822 3,832

552,231 555,424 558,629 561,844 565,071 568,310 571,560

 172 173 174 175 176 177 178

1,152,325 1,155,205 1,158,093 1,160,989 1,163,891 1,166,801 1,169,718

443,584 442,226 440,861 439,489 438,111 436,726 435,333
708,741 712,980 717,233 721,499 725,780 730,075 734,385

2,225 2,218 2,211 2,204 2,197 2,191 2,184

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,351 1,358 1,365 1,372 1,378 1,385 1,392

166 166 167 167 167 168 168

222 222 222 223 223 223 224
111 111 111 111 112 112 112
1,197 1,200 1,203 1,206 1,209 1,212 1,215
1,027 1,025 1,024 1,023 1,022 1,021 1,020
4,245 4,250 4,255 4,260 4,265 4,270 4,275

4,245 4,250 4,255 4,260 4,265 4,270 4,275

3,841 3,851 3,860 3,870 3,880 3,889 3,899

574,822 578,096 581,381 584,678 587,987 591,308 594,640

 179 180 181 182 183 184 185

1,172,642 1,175,574 1,178,513 1,181,459 1,184,413 1,187,374 1,190,342

433,934 432,528 431,115 429,694 428,267 426,833 425,391
738,708 743,046 747,398 751,765 756,146 760,541 764,951

2,177 2,170 2,163 2,156 2,148 2,141 2,134

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,399 1,406 1,413 1,420 1,427 1,435 1,442

168 168 169 169 169 170 170

224 225 225 225 226 226 226
112 112 112 113 113 113 113
1,218 1,222 1,225 1,228 1,231 1,234 1,237
1,019 1,017 1,016 1,015 1,014 1,013 1,011
4,280 4,285 4,290 4,295 4,301 4,306 4,311

4,280 4,285 4,290 4,295 4,301 4,306 4,311

3,909 3,919 3,928 3,938 3,948 3,958 3,968

597,985 601,341 604,710 608,091 611,484 614,889 618,306

 186 187 188 189 190 191 192

1,193,318 1,196,301 1,199,292 1,202,290 1,205,296 1,208,309 1,211,330

423,942 422,486 421,022 419,552 418,073 416,588 415,095
769,376 773,816 778,270 782,739 787,223 791,721 796,235

2,127 2,120 2,112 2,105 2,098 2,090 2,083

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,449 1,456 1,463 1,471 1,478 1,485 1,493

170 170 171 171 171 172 172

227 227 228 228 228 229 229
113 114 114 114 114 114 115
1,240 1,243 1,246 1,249 1,252 1,256 1,259
1,010 1,009 1,008 1,006 1,005 1,004 1,002
4,316 4,321 4,326 4,332 4,337 4,342 4,347

4,316 4,321 4,326 4,332 4,337 4,342 4,347

3,978 3,988 3,998 4,008 4,018 4,028 4,038

621,736 625,179 628,633 632,100 635,580 639,073 642,578

 193 194 195 196 197 198 199

1,214,358 1,217,394 1,220,438 1,223,489 1,226,548 1,229,614 1,232,688

413,595 412,087 410,571 409,048 407,518 405,979 404,433
800,764 805,307 809,866 814,440 819,030 823,634 828,254

2,075 2,068 2,060 2,053 2,045 2,038 2,030

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,500 1,508 1,515 1,523 1,531 1,538 1,546

172 172 173 173 173 174 174

229 230 230 231 231 231 232
115 115 115 115 115 116 116
1,262 1,265 1,268 1,271 1,274 1,278 1,281
1,001 1,000 999 997 996 995 993
4,353 4,358 4,363 4,369 4,374 4,380 4,385

4,353 4,358 4,363 4,369 4,374 4,380 4,385

4,048 4,058 4,068 4,078 4,088 4,099 4,109

646,095 649,626 653,169 656,726 660,295 663,877 667,473

 200 201 202 203 204 205 206

1,235,770 1,238,859 1,241,956 1,245,061 1,248,174 1,251,294 1,254,422

402,880 401,318 399,749 398,172 396,587 394,994 393,393
832,890 837,541 842,207 846,889 851,587 856,300 861,029

2,022 2,014 2,007 1,999 1,991 1,983 1,975

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,554 1,561 1,569 1,577 1,585 1,593 1,601

174 174 175 175 175 176 176

232 233 233 233 234 234 234
116 116 116 117 117 117 117
1,284 1,287 1,290 1,294 1,297 1,300 1,303
992 990 989 988 986 985 984
4,390 4,396 4,401 4,407 4,412 4,418 4,423

4,390 4,396 4,401 4,407 4,412 4,418 4,423

4,119 4,130 4,140 4,150 4,161 4,171 4,181

671,081 674,703 678,338 681,986 685,648 689,323 693,012

 207 208 209 210 211 212 213

1,257,558 1,260,702 1,263,854 1,267,014 1,270,181 1,273,357 1,276,540

391,784 390,167 388,542 386,909 385,268 383,618 381,960
865,774 870,535 875,312 880,105 884,914 889,739 894,580

1,967 1,959 1,951 1,943 1,935 1,926 1,918

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,609 1,617 1,625 1,633 1,641 1,650 1,658

176 176 177 177 177 178 178

235 235 236 236 236 237 237
117 118 118 118 118 118 119
1,307 1,310 1,313 1,317 1,320 1,323 1,326
982 981 979 978 976 975 973
4,429 4,435 4,440 4,446 4,451 4,457 4,463

4,429 4,435 4,440 4,446 4,451 4,457 4,463

4,192 4,202 4,213 4,223 4,234 4,245 4,255

696,714 700,429 704,159 707,902 711,659 715,430 719,214

 214 215 216 217 218 219 220

1,279,731 1,282,931 1,286,138 1,289,354 1,292,577 1,295,808 1,299,048

380,294 378,620 376,937 375,246 373,546 371,838 370,122
899,437 904,311 909,201 914,107 919,030 923,970 928,926

1,910 1,901 1,893 1,885 1,876 1,868 1,859

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,666 1,674 1,683 1,691 1,700 1,708 1,717

178 179 179 179 179 180 180

238 238 238 239 239 240 240
119 119 119 119 120 120 120
1,330 1,333 1,336 1,340 1,343 1,346 1,350
972 970 969 967 966 964 963
4,468 4,474 4,480 4,486 4,491 4,497 4,503

4,468 4,474 4,480 4,486 4,491 4,497 4,503

4,266 4,276 4,287 4,298 4,309 4,319 4,330

723,013 726,826 730,653 734,494 738,349 742,218 746,102

 221 222 223 224 225 226 227

1,302,295 1,305,551 1,308,815 1,312,087 1,315,367 1,318,656 1,321,952

368,396 366,662 364,920 363,169 361,409 359,640 357,862
933,899 938,889 943,895 948,918 953,959 959,016 964,090

1,851 1,842 1,833 1,825 1,816 1,807 1,798

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,725 1,734 1,743 1,751 1,760 1,769 1,778

180 181 181 181 182 182 182

240 241 241 242 242 242 243
120 120 121 121 121 121 121
1,353 1,357 1,360 1,363 1,367 1,370 1,374
961 960 958 956 955 953 952
4,509 4,515 4,521 4,526 4,532 4,538 4,544

4,509 4,515 4,521 4,526 4,532 4,538 4,544

4,341 4,352 4,363 4,374 4,385 4,396 4,407

750,001 753,914 757,841 761,783 765,740 769,711 773,698

 228 229 230 231 232 233 234

1,325,257 1,328,570 1,331,892 1,335,222 1,338,560 1,341,906 1,345,261

356,076 354,280 352,476 350,662 348,840 347,008 345,167
969,182 974,290 979,416 984,559 989,720 994,898 1,000,094

1,789 1,780 1,771 1,762 1,753 1,744 1,735

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,787 1,795 1,804 1,813 1,823 1,832 1,841

182 183 183 183 184 184 184

243 244 244 244 245 245 246
122 122 122 122 122 123 123
1,377 1,380 1,384 1,387 1,391 1,394 1,398
950 948 947 945 943 942 940
4,550 4,556 4,562 4,568 4,574 4,580 4,587

4,550 4,556 4,562 4,568 4,574 4,580 4,587

4,418 4,429 4,440 4,451 4,462 4,473 4,484

777,699 781,715 785,746 789,793 793,854 797,931 802,023

 235 236 237 238 239 240 241

1,348,624 1,351,996 1,355,375 1,358,764 1,362,161 1,365,566 1,368,980

343,317 341,458 339,589 337,711 335,824 333,927 332,021
1,005,307 1,010,538 1,015,786 1,021,053 1,026,337 1,031,639 1,036,959

1,726 1,717 1,707 1,698 1,689 1,679 1,670

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,850 1,859 1,869 1,878 1,887 1,897 1,906

185 185 185 185 186 186 186

246 246 247 247 248 248 249
123 123 123 124 124 124 124
1,401 1,405 1,408 1,412 1,415 1,419 1,422
938 936 935 933 931 929 928
4,593 4,599 4,605 4,611 4,617 4,624 4,630

4,593 4,599 4,605 4,611 4,617 4,624 4,630

4,495 4,507 4,518 4,529 4,541 4,552 4,563

806,130 810,253 814,392 818,546 822,715 826,901 831,102

 242 243 244 245 246 247 248

1,372,403 1,375,834 1,379,273 1,382,721 1,386,178 1,389,644 1,393,118

330,105 328,180 326,245 324,300 322,346 320,382 318,408
1,042,297 1,047,654 1,053,028 1,058,421 1,063,832 1,069,262 1,074,710

1,660 1,651 1,641 1,631 1,622 1,612 1,602

3,576 3,576 3,576 3,576 3,576 3,576 3,576
1,916 1,925 1,935 1,945 1,954 1,964 1,974

187 187 187 188 188 188 189

249 249 250 250 251 251 251
124 125 125 125 125 126 126
1,426 1,430 1,433 1,437 1,440 1,444 1,448
926 924 922 920 919 917 915
4,636 4,643 4,649 4,655 4,662 4,668 4,674

4,636 4,643 4,649 4,655 4,662 4,668 4,674

4,575 4,586 4,598 4,609 4,621 4,632 4,644

835,319 839,552 843,801 848,066 852,347 856,645 860,959

 249 250 251 252 253 254

1,396,601 1,400,092 1,403,592 ### ### ###

316,424 314,430 312,427 310,413 308,389 306,355
1,080,176 1,085,662 1,091,166 ### ### ###

1,592 1,582 1,572 1,562 1,552 1,542

3,576 3,576 3,576 3,576 3,576 3,576
1,984 1,994 2,004 2,014 2,024 2,034

189 189 190 190 190 190

252 252 253 253 254 254
126 126 126 127 127 127
1,451 1,455 1,458 1,462 1,466 1,469
913 911 909 907 905 903
4,681 4,687 4,694 4,700 4,707 4,713

4,681 4,687 4,694 4,700 4,707 4,713

4,655 4,667 4,679 4,690 4,702 4,714

865,289 869,636 873,999 878,379 882,776 887,189