IFRS 16 · Real Estate

IFRS 16 Lease Calculator
for Real Estate

Pre-configured for real estate entities navigating ground leases, leaseback transactions, and the interaction between IFRS 16 and IAS 40 investment property. Handles long-term property leases with complex escalation mechanisms.

Lease Terms

If checked, ROU asset depreciates over useful life instead of lease term (IFRS 16.32)

IFRS 16 Lease Audit Working Paper Template & Checklist — free PDF

Quick reference card, IBR documentation template, lease assessment flowchart, and audit working paper template. Plus one practical audit insight per week.

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IFRS 16.26 — At the commencement date, a lessee shall measure the lease liability at the present value of the lease payments that are not paid at that date.

IFRS 16.23–24 — At the commencement date, a lessee shall measure the right-of-use asset at cost.

ISA 500 — Sufficient appropriate audit evidence for the lease liability as independent audit evidence.

ISA 540 — Auditing accounting estimates — applies to the IBR determination and lease term judgment.

IFRS 16 for Real Estate — Practical Guidance

Real estate and property companies encounter IFRS 16 from both the lessee and lessor perspective, but this calculator addresses the lessee side — typically ground leases, head leases, and leaseback arrangements. Ground leases are particularly significant for property developers and investors, often spanning 50–99 years with complex rent review mechanisms. The interaction between IFRS 16 and IAS 40 Investment Property creates accounting policy choices that materially affect reported assets and liabilities.

Measurement Considerations for Real Estate

For ground leases held by property entities, the lease term assessment under IFRS 16.18–19 is critical. Long ground leases (often 99 or 125 years in certain jurisdictions) with renewal options require careful assessment of reasonable certainty. The discount rate for ground leases should reflect the secured nature and extremely long duration — ground lease discount rates are typically lower than rates for office or equipment leases, reflecting the security of the underlying land. CPI-linked rent reviews are included in the lease liability at the current index rate, with remeasurement when the index changes.

ROU Asset Depreciation for Real Estate

Under IAS 40, investment property held under a lease was previously eligible for fair value model treatment. IFRS 16 now requires all leases to be recognised, but the ROU asset for a property lease may be classified as investment property if it meets the IAS 40 definition. If the fair value model is applied under IAS 40 to the ROU asset, the ROU asset is measured at fair value rather than depreciated cost — a key accounting policy choice for property entities.

Industry-Specific Considerations

Sale-and-leaseback transactions are common in real estate and create specific IFRS 16 challenges. IFRS 16.98–103 addresses sale-and-leaseback transactions, requiring first that the transfer qualifies as a sale under IFRS 15. If it qualifies, the seller-lessee recognises a ROU asset based on the proportion of the previous carrying amount retained, and a corresponding gain or loss only on the rights transferred. If the sale price exceeds fair value, the excess is treated as additional financing. These transactions require careful assessment and are a common area of audit focus.

Worked Example: 20-Year Ground Lease

A property developer holds a 20-year ground lease commencing 1 January 2025. Monthly ground rent is €25,000 payable in arrears with 2% annual escalation. The developer's IBR is 4.2%. No initial direct costs. There is a restoration obligation of €100,000 to reinstate the site at lease end.

Initial Liability
€4,285,619
Initial ROU Asset
€4,385,619
Total Interest
€2,072,341
Total Payments
€6,357,960

Audit Considerations

For property entities, auditors should focus on the lease term determination for ground leases, the discount rate for long-duration leases, and the accounting for sale-and-leaseback transactions. The interaction between IFRS 16 and IAS 40 requires understanding of the entity's accounting policy choices and their impact on reported results.

Frequently Asked Questions — Real Estate

Can I apply the IAS 40 fair value model to a right-of-use asset for investment property?
Yes. If the property held under a lease meets the definition of investment property in IAS 40, the lessee may apply the fair value model to the ROU asset. This is an accounting policy choice that must be applied consistently to all investment property. Under the fair value model, the ROU asset is measured at fair value at each reporting date, with changes recognised in profit or loss. The lease liability continues to be measured using the effective interest method.
How do I account for a sale-and-leaseback of property under IFRS 16?
First assess whether the transfer qualifies as a sale under IFRS 15. If yes, the seller-lessee measures the ROU asset at the proportion of the previous carrying amount that relates to the right-of-use retained. The gain or loss is recognised only on the rights transferred to the buyer-lessor. If the sale price is not at fair value, adjust for any above- or below-market terms (IFRS 16.101). If the transfer does not qualify as a sale, treat the proceeds as a financial liability.
What discount rate should I use for a 99-year ground lease?
Long-term ground leases require a long-term discount rate. Reference long-term government bond yields plus a credit spread appropriate for the entity. For very long terms (50+ years), the yield curve may need to be extrapolated. The rate should reflect secured borrowing against the property asset. Ground lease discount rates are typically 100-200bps lower than rates for shorter-term office leases.
How do I treat CPI-linked rent reviews in ground leases?
At commencement, measure the lease liability using the current CPI rate. The lease liability is not remeasured for expected future CPI changes — only when the actual CPI change triggers a payment change (IFRS 16.42(b)). At remeasurement, use the revised payments and a revised discount rate (if the change does not arise from a floating rate). This can create significant liability adjustments in high-inflation environments.
Should I separate the land and building components of a property lease?
IFRS 16 does not require separation of land and building elements if they are both within the scope of the standard. However, if the lessee can obtain the right to use the building without the land (or vice versa), they are separate lease components that must be allocated based on relative standalone prices (IFRS 16.12–14). For most commercial property leases, land and building are a single lease component.