Collateral tracked per property
Every pledged property is its own record on the loan, with the date it entered the pledge and, later, the date the lender released it.
Portfolio financing rarely maps one loan to one property. Lumezzo keeps the loan and the collateral as separate records, so the numbers hold up when a loan is secured by three flats, when one property carries a second charge, or when a property leaves the pledge on sale.
One loan can be secured by as many properties as the lender requires, and the facts that are inherently per property are kept per property.
Every pledged property is its own record on the loan, with the date it entered the pledge and, later, the date the lender released it.
The lender's valuation and the cadastral lien — case number, filing date and registration date — are recorded per property, because that is how they are issued.
Each property carries a share of the loan, valid from a given date. Interest and principal from every instalment are attributed by that share, so per-property costs are calculated rather than estimated.
A single property can secure any number of loans at the same time, each with its own terms.
The original purchase mortgage, a later top-up and a second charge live side by side on the same property instead of being merged into one approximate loan.
Every loan keeps its own lender, rate, fixed period, payment day and repayment schedule, including interest-only stubs and year-end adjustments.
The property shows what every loan secured on it costs together: this month's instalments, the interest for the year and the remaining principal.
A loan outlives the arrangement it started with. Each change is recorded as a change, not as a new unrelated loan.
When the lender releases one property from the lien — typically against an extraordinary repayment when it is sold — the remaining shares are recalculated from that date. Earlier years keep the split they were filed with.
A new fixed period is a new term on the same loan, with its own rate, length and payment day. Payments, extra repayments and interest totals stay in one place across every refixation.
A loan that repays another records the link between them. Consolidating several loans into one keeps each predecessor and its payment history reachable from the loan that replaced it.
The split is not a label. It is the number the rest of the app calculates with.
Interest is apportioned per property and per year, which is what the rental income attachment and the mortgage interest deduction need.
Per-property yield and profitability use the share of the instalment that property actually carries, not the whole loan and not a guess.
Scheduled instalments across every loan feed the 12-month cashflow outlook, so an extra repayment or an upcoming refixation is visible before it happens.
One bank transfer that pays a loan secured by several properties is matched once and attributed behind the scenes.
Each pledged property carries a share of the loan, and the shares in effect at any moment add up to 100 %. Every instalment is attributed by that share, so interest and principal land on the right property.
Record the release date on that property's collateral. The remaining properties are re-proportioned from that date onwards, and closed years keep the split that applied when they were filed.
No. The repaid loan keeps its payments and records a link to the loan that replaced it. A consolidation that replaces several loans with one keeps every predecessor reachable, so each year's interest stays correct.
Yes. Interest on a loan in another currency is converted to CZK for the income tax return, and the rate, its date and the converted amount are stored on each payment.
Add your loans, pledge the properties that secure them and let the split, the fixed periods and the interest totals be maintained for you.