Finance category
Mortgage, loan, investing, tax, and money calculators.
Partial Release Premium Calculator
Partial release costs above standard prepay.
Premium amount
$1,200,000
Total paydown (with premium)
$9,200,000
Premium % of released
0.1%
How the math works
Paydown total = release × multiplier. Premium = paydown − release.
$8M × 1.15 = $9.2M paydown. $1.2M premium (15% of released).
How to Use
- Enter loan balance.
- Enter partial release amount.
- Enter premium multiplier.
- Read premium amount.
Frequently Asked Questions
Partial release?
Pay down portion of loan, lender releases specific lien (usually one property from cross-collateral pool). Premium above standard prepay to compensate for reduced collateral base. Common in portfolio and developer loans.
Premium math?
Typical: 110-120% of released balance (pay $110-120 for each $100 released). Or: standard prepay fee plus 0.5-1% of released amount. Or: defined schedule (e.g., 5% for first release, 3% second, 2% third).
Negotiation?
Negotiate at origination for anticipated releases. Agency multifamily: standardized release tables. CMBS: essentially not allowed. Bank loans: case-by-case. Structure releases when loan documented; not after.
What documentation matters here?
Written leases, move-in/move-out inspections with photographs, ledger entries showing every payment and charge, served notices with proof of service, and contemporaneous emails or texts. Courts weigh written evidence heavily; informal understandings rarely stand. Institutional operators run a monthly file audit to catch gaps before they matter. Good paper trails recover most of what's owed.
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