The first days already include the loan fee
The €9.49 of fees shown exceed the €6.87 of interest received in this period. After also subtracting withholding taxes, the calculation for those payments is -€2.97. This is a subtraction for the partial period, not the portfolio’s total result or a forecast for the month.
Cash moved from €69.14 to €182.73 while €116.55 of principal returned. That returned capital remains outside the interest total. I keep the rounded categories and displayed closing balance without adjusting items to force them to match.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 6.87 € |
| fees shown | 9.49 € |
| Tax withholdings | 0.35 € |
| Interest after shown costs | -2.97 € |
| Principal repaid | 116.55 € |
| Opening cash | 69.14 € |
| Closing cash | 182.73 € |
Interest less fees and withholdings is not the portfolio’s total return. The definitions and their limits are set out in how I read the results.
View all statement categories
| Mint Category | Amount |
|---|---|
| Capital received | 47.56 € |
| Interest received | 6.33 € |
| Committees in arrears received | 0.00 € |
| Income from principal received from the repurchase of the loan | 68.99 € |
| Income from interest received on the repurchase of the loan | 0.18 € |
| withholding of taxes | -0.33 € |
| Tax withholding of income from real estate assets | -0.02 € |
| Interest income on real estate assets | 0.36 € |
| Commission by loan portfolios | -9.49 € |
The period and sources
Mintos transaction statement, from 2026-11-01 to 2026-11-02, reviewed on . The period runs up to day 2; the month is still open. This is a retrospective record of my account, written from the statement.
Categories are rounded separately, so their sum may show a small difference. The shared method is set out in sources and methodology.