calculation of loan in excel using formula

8/12/2019 calculation of loan in excel using formula

1/84

opening balance 1000

interest 15%

years 10

payment 100

years 1 2 3 4 5 6opening balance 1000 900 800 700 600 500

principal 100 100 100 100 100 100

interest 142.5 127.5 112.5 97.5 82.5 67.5

payment 1142.5 1027.5 912.5 797.5 682.5 567.5

closing balance 900 800 700 600 500 400

opening bal 150000years 10 120

monthly payment 1250interest 10%

years 1 2 3 4 5 6

opening balance 150000 148750 147500 146250 145000 143750

principal 1250 1250 1250 1250 1250 1250interest 14937.5 14812.5 14687.5 14562.5 14437.5 14312.5

payment 164937.5 163562.5 162187.5 160812.5 159437.5 158062.5

closing balance 148750 147500 146250 145000 143750 142500

opening balance 100000years 10 20

semi annually 5000interest 10%

years 1 2 3 4 5 6

opening balance 100000 95000 90000 85000 80000 75000

principal 5000 5000 5000 5000 5000 5000

interest 9750 9250 8750 8250 7750 7250

payment 109750 104250 98750 93250 87750 82250

closing balance 95000 90000 85000 80000 75000 70000

opening balance 1200000years 10 40

quartely payment 30000interest 10%

years 1 2 3 4 5 6

opening balance 1200000 1170000 1140000 1110000 1080000 1050000

principal 30000 30000 30000 30000 30000 30000

interest 118500 115500 112500 109500 106500 103500

payment 1318500 1285500 1252500 1219500 1186500 1153500

closing balance 1170000 1140000 1110000 1080000 1050000 1020000

opening balance 50000period 10

interest 20% amount

semi annually perio 20 semi annu yearly

2500 5000

yearlu amount

years opening balance principal interest payment closing balance

1 50000 5000 9500 59500 45000

2 45000 5000 8500 53500 40000


2/84

3 40000 5000 7500 47500 35000

4 35000 5000 6500 41500 30000

5 30000 5000 5500 35500 25000

6 25000 5000 4500 29500 20000

7 20000 5000 3500 23500 15000

8 15000 5000 2500 17500 10000

9 10000 5000 1500 11500 500010 5000 5000 0 0 0

11 0 0 0 0 0

12

13

14

15

16

17

18

19

20

2122

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

4647


3/84

7 8 9 10 11400 300 200 100 0

100 100 100 100 0

52.5 37.5 22.5 7.5 0

452.5 337.5 222.5 107.5 0

300 200 100 0 0

7 8 9 10 11 12 13 14 15

142500 141250 140000 138750 137500 136250 135000 133750 132500

1250 1250 1250 1250 1250 1250 1250 1250 125014187.5 14062.5 13937.5 13812.5 13687.5 13562.5 13437.5 13312.5 13187.5

156687.5 155312.5 153937.5 152562.5 151187.5 149812.5 148437.5 147062.5 145687.5

141250 140000 138750 137500 136250 135000 133750 132500 131250

7 8 9 10 11 12 13 14 15

70000 65000 60000 55000 50000 45000 40000 35000 30000

5000 5000 5000 5000 5000 5000 5000 5000 5000

6750 6250 5750 5250 4750 4250 3750 3250 2750

76750 71250 65750 60250 54750 49250 43750 38250 32750

65000 60000 55000 50000 45000 40000 35000 30000 25000

7 8 9 10 11 12 13 14 15

1020000 990000 960000 930000 900000 870000 840000 810000 780000

30000 30000 30000 30000 30000 30000 30000 30000 30000

100500 97500 94500 91500 88500 85500 82500 79500 76500

1120500 1087500 1054500 1021500 988500 955500 922500 889500 856500

990000 960000 930000 900000 870000 840000 810000 780000 750000

semi annually

years opening b principal interest payment closing balance

1 50000 2500 9750 59750 47500

2 47500 2500 9250 56750 45000


4/84

3 45000 2500 8750 53750 42500

4 42500 2500 8250 50750 40000

5 40000 2500 7750 47750 37500

6 37500 2500 7250 44750 35000

7 35000 2500 6750 41750 32500

8 32500 2500 6250 38750 30000

9 30000 2500 5750 35750 2750010 27500 2500 5250 32750 25000

11 25000 2500 4750 29750 22500

12 22500 2500 4250 26750 20000

13 20000 2500 3750 23750 17500

14 17500 2500 3250 20750 15000

15 15000 2500 2750 17750 12500

16 12500 2500 2250 14750 10000

17 10000 2500 1750 11750 7500

18 7500 2500 1250 8750 5000

19 5000 2500 750 5750 2500

20 2500 2500 0 0 0

21 0 0 0 0 022 0 0 0 0 0

23 0 0 0 0 0

24 0 0 0 0 0

25 0 0 0 0 0

26 0 0 0 0 0

27 0 0 0 0 0

28 0 0 0 0 0

29 0 0 0 0 0

30 0 0 0 0 0

31 0 0 0 0 0

32 0 0 0 0 0

33 0 0 0 0 0

34 0 0 0 0 0

35 0 0 0 0 0

36 0 0 0 0 0

37 0 0 0 0 0

38 0 0 0 0 0

39 0 0 0 0 0

40 0 0 0 0 0

41 0 0 0 0 0

42 0 0 0 0 0

43 0 0 0 0 0

44 0 0 0 0 0

45 0 0 0 0 0

46 0 0 0 0 047 0 0 0 0 0


5/84

16 17 18 19 20 21 22 23 24

131250 130000 128750 127500 126250 125000 123750 122500 121250

1250 1250 1250 1250 1250 1250 1250 1250 125013062.5 12937.5 12812.5 12687.5 12562.5 12437.5 12312.5 12187.5 12062.5

144312.5 142937.5 141562.5 140187.5 138812.5 137437.5 136062.5 134687.5 133312.5

130000 128750 127500 126250 125000 123750 122500 121250 120000

16 17 18 19 20 21 22

25000 20000 15000 10000 5000 0 0

5000 5000 5000 5000 5000 0 0

2250 1750 1250 750 0 0 0

27250 21750 16250 10750 0 0 0

20000 15000 10000 5000 0 0 0

16 17 18 19 20 21 22 23 24

750000 720000 690000 660000 630000 600000 570000 540000 510000

30000 30000 30000 30000 30000 30000 30000 30000 30000

73500 70500 67500 64500 61500 58500 55500 52500 49500

823500 790500 757500 724500 691500 658500 625500 592500 559500

720000 690000 660000 630000 600000 570000 540000 510000 480000


6/84


7/84

25 26 27 28 29 30 31 32 33

120000 118750 117500 116250 115000 113750 112500 111250 110000

1250 1250 1250 1250 1250 1250 1250 1250 125011937.5 11812.5 11687.5 11562.5 11437.5 11312.5 11187.5 11062.5 10937.5

131937.5 130562.5 129187.5 127812.5 126437.5 125062.5 123687.5 122312.5 120937.5

118750 117500 116250 115000 113750 112500 111250 110000 108750

25 26 27 28 29 30 31 32 33

480000 450000 420000 390000 360000 330000 300000 270000 240000

30000 30000 30000 30000 30000 30000 30000 30000 30000

46500 43500 40500 37500 34500 31500 28500 25500 22500

526500 493500 460500 427500 394500 361500 328500 295500 262500

450000 420000 390000 360000 330000 300000 270000 240000 210000


8/84


9/84

34 35 36 37 38 39 40 41 42

108750 107500 106250 105000 103750 102500 101250 100000 98750

1250 1250 1250 1250 1250 1250 1250 1250 125010812.5 10687.5 10562.5 10437.5 10312.5 10187.5 10062.5 9937.5 9812.5

119562.5 118187.5 116812.5 115437.5 114062.5 112687.5 111312.5 109937.5 108562.5

107500 106250 105000 103750 102500 101250 100000 98750 97500

34 35 36 37 38 39 40 41 42

210000 180000 150000 120000 90000 60000 30000 0 0

30000 30000 30000 30000 30000 30000 30000 0 0

19500 16500 13500 10500 7500 4500 1500 0 0

229500 196500 163500 130500 97500 64500 31500 0 0

180000 150000 120000 90000 60000 30000 0 0 0


10/84


11/84

43 44 45 46 47 48 49 50 51

97500 96250 95000 93750 92500 91250 90000 88750 87500

1250 1250 1250 1250 1250 1250 1250 1250 12509687.5 9562.5 9437.5 9312.5 9187.5 9062.5 8937.5 8812.5 8687.5

107187.5 105812.5 104437.5 103062.5 101687.5 100312.5 98937.5 97562.5 96187.5

96250 95000 93750 92500 91250 90000 88750 87500 86250

43 44

0 0

0 0

0 0

0 0

0 0


12/84


13/84

52 53 54 55 56 57 58 59 60

86250 85000 83750 82500 81250 80000 78750 77500 76250

1250 1250 1250 1250 1250 1250 1250 1250 12508562.5 8437.5 8312.5 8187.5 8062.5 7937.5 7812.5 7687.5 7562.5

94812.5 93437.5 92062.5 90687.5 89312.5 87937.5 86562.5 85187.5 83812.5

85000 83750 82500 81250 80000 78750 77500 76250 75000


14/84


15/84

61 62 63 64 65 66 67 68 69

75000 73750 72500 71250 70000 68750 67500 66250 65000

1250 1250 1250 1250 1250 1250 1250 1250 12507437.5 7312.5 7187.5 7062.5 6937.5 6812.5 6687.5 6562.5 6437.5

82437.5 81062.5 79687.5 78312.5 76937.5 75562.5 74187.5 72812.5 71437.5

73750 72500 71250 70000 68750 67500 66250 65000 63750


16/84


17/84

70 71 72 73 74 75 76 77 78

63750 62500 61250 60000 58750 57500 56250 55000 53750

1250 1250 1250 1250 1250 1250 1250 1250 12506312.5 6187.5 6062.5 5937.5 5812.5 5687.5 5562.5 5437.5 5312.5

70062.5 68687.5 67312.5 65937.5 64562.5 63187.5 61812.5 60437.5 59062.5

62500 61250 60000 58750 57500 56250 55000 53750 52500


18/84


19/84

79 80 81 82 83 84 85 86 87

52500 51250 50000 48750 47500 46250 45000 43750 42500

1250 1250 1250 1250 1250 1250 1250 1250 12505187.5 5062.5 4937.5 4812.5 4687.5 4562.5 4437.5 4312.5 4187.5

57687.5 56312.5 54937.5 53562.5 52187.5 50812.5 49437.5 48062.5 46687.5

51250 50000 48750 47500 46250 45000 43750 42500 41250


20/84


21/84

88 89 90 91 92 93 94 95 96

41250 40000 38750 37500 36250 35000 33750 32500 31250

1250 1250 1250 1250 1250 1250 1250 1250 12504062.5 3937.5 3812.5 3687.5 3562.5 3437.5 3312.5 3187.5 3062.5

45312.5 43937.5 42562.5 41187.5 39812.5 38437.5 37062.5 35687.5 34312.5

40000 38750 37500 36250 35000 33750 32500 31250 30000


22/84


23/84

97 98 99 100 101 102 103 104 105

30000 28750 27500 26250 25000 23750 22500 21250 20000

1250 1250 1250 1250 1250 1250 1250 1250 12502937.5 2812.5 2687.5 2562.5 2437.5 2312.5 2187.5 2062.5 1937.5

32937.5 31562.5 30187.5 28812.5 27437.5 26062.5 24687.5 23312.5 21937.5

28750 27500 26250 25000 23750 22500 21250 20000 18750


24/84


25/84

106 107 108 109 110 111 112 113 114

18750 17500 16250 15000 13750 12500 11250 10000 8750

1250 1250 1250 1250 1250 1250 1250 1250 12501812.5 1687.5 1562.5 1437.5 1312.5 1187.5 1062.5 937.5 812.5

20562.5 19187.5 17812.5 16437.5 15062.5 13687.5 12312.5 10937.5 9562.5

17500 16250 15000 13750 12500 11250 10000 8750 7500


26/84


27/84

115 116 117 118 119 120 121 122 123

7500 6250 5000 3750 2500 1250 0

1250 1250 1250 1250 1250 1250 0687.5 562.5 437.5 312.5 187.5 62.5 0

8187.5 6812.5 5437.5 4062.5 2687.5 1312.5 0

6250 5000 3750 2500 1250 0 0


28/84


29/84

124 125 126 127 128 129 130 131 132


30/84


31/84

133 134 135 136 137 138 139 140 141


32/84


33/84

142 143 144 145 146 147 148 149 150


34/84


35/84

151 152 153 154 155 156 157 158 159


36/84


37/84

160 161 162 163 164 165 166 167 168


38/84


39/84

169 170 171 172 173 174 175 176


40/84


interest 12%

period 10

morturium 1

payment 111.1111

actual period 9

years 1 2 3 4 5 6 7

opening balance 1000 1000 888.8889 777.7778 666.6667 555.5556 444.4444

principal 0 111.1111 111.1111 111.1111 111.1111 111.1111 111.1111

interest 120 113.3333 100 86.66667 73.33333 60 46.66667

payment 120 224.4444 211.1111 197.7778 184.4444 171.1111 157.7778

closing balance 1000 888.8889 777.7778 666.6667 555.5556 444.4444 333.3333


41/84

8 9 10 11

333.3333 222.2222 111.1111 0

111.1111 111.1111 111.1111 0

33.33333 20 6.666667 0 0

144.4444 131.1111 0 0 0

222.2222 111.1111 0 0 0


42/84


years 10 1 2 3

morturium 2 IDC Interest schedule 1,000 1,100 1,210

idc period 2 Cumulative IDC interest 1,000 2,100 3,310

interest 10% Qulified IDC interest 2100

payment 1666.66667idc 1000 Gross principal amount 12100

actual peroid 6 principal repayment 2,017

years 1 2 3 4 5 6 7

open bal 10,000 11,000 12,100 12,100 12,100 10,083 8,067

principal - - - - 2,017 2,017 2,017

interest 1,000 1,100 1,210 1,210 1,109 908 706

payment - - 1,210 1,210 3,126 2,924 2,723

closing bal 10,000 11,000 12,100 12,100 10,083 8,067 6,050

- - 1,210 1,210 3,126 2,924 2,723

semi annually 1 2 3opening balance 2000yearly IDC interest schedule 200 220 242

years semi annual 16 8 cumulative IDC interest 200 420 662

morturium 2 1 qualified IDC interest 420

idc period 2 1

interest 10% gross principal amount 2420

payment 166.666667 principal repayment 201.6667

idc 200

actual peroid 12 6

years 1 2 3 4 5 6 7

open bal 2000 2200 2420 2420 2420 2218.3333 2016.667

principal 0 0 0 0 201.6667 201.66667 201.6667

interest 200 220 242 242 231.9167 211.75 191.5833

payment 0 0 242 242 433.5833 413.41667 393.25

closing bal 2000 2200 2420 2420 2218.333 2016.6667 1815

monthly 1 2 3opening balance 100000years IDC interest schedule 10000 11000 12100

years monthly 72 6 cumulative IDC interest 10000 21000 33100

morturium 24 2 qualified IDC interest 884973.3

idc period 24 2

interest 10% gross principal amount 984973.3


idc 10000

actual peroid 24 2

years 1 2 3 4 5 6 7

open bal 100000 110000 121000 133100 146410 161051 177156.1


43/84

principal 0 0 0 0 0 0 0

interest 10000 11000 12100 13310 14641 16105.1 17715.61

payment 0 0 0 0 0 0 0

closing bal 100000 110000 121000 133100 146410 161051 177156.1

quartely 1 2 3opening balance 100000years IDC interest schedule 10000 11000 12100

years quartely 20 5 cumulative IDC interest 10000 21000 33100

morturium 4 1 qualified IDC interest 46410

idc period 4 1



idc 10000

actual peroid 12 3

years 1 2 3 4 5 6 7

open bal 100000 110000 121000 133100 146410 146410 146410

principal 0 0 0 0 0 0 0

interest 10000 11000 12100 13310 14641 14641 14641payment 0 0 0 0 14641 14641 14641

closing bal 100000 110000 121000 133100 146410 146410 146410

yearlyopening balance 10000

years 10

morturium 2

idc period 2

interest 10%

payment 1666.66667

idc 1000actual peroid 6

years opening bal principal interest payment closing bal

1 10000 0 1000 0 10000

2 11000 0 1100 0 11000

3 12100 0 1210 1210 12100

4 12100 0 1210 1210 12100

5 12100 2016.6667 1109.167 3125.833333 10083.33

6 10083.3333 2016.6667 907.5 2924.166667 8066.667

7 8066.66667 2016.6667 705.8333 2722.5 6050

8 6050 2016.6667 504.1667 2520.833333 4033.333

9 4033.33333 2016.6667 302.5 2319.166667 2016.66710 2016.66667 2016.6667 100.8333 2117.5 0

11 0 0 0 0 0

semi annually yearsopening balance 2000

years semi 16 8

morturium 2 1

idc period 2 1


44/84

interest 10%

payment 166.666667

idc 200

actual peroid 12 6

years opening bal principal interest payment closing bal

1 2000 0 200 0 20002 2200 0 220 0 2200

3 2420 0 242 242 2420

4 2420 0 242 242 2420

5 2420 201.66667 231.9167 433.5833333 2218.333

6 2218.33333 201.66667 211.75 413.4166667 2016.667

7 2016.66667 201.66667 191.5833 393.25 1815

8 1815 201.66667 171.4167 373.0833333 1613.333

9 1613.33333 201.66667 151.25 352.9166667 1411.667

10 1411.66667 201.66667 131.0833 332.75 1210

11 1210 201.66667 110.9167 312.5833333 1008.333

12 1008.33333 201.66667 90.75 292.4166667 806.6667

13 806.666667 201.66667 70.58333 272.25 60514 605 201.66667 50.41667 252.0833333 403.3333

15 403.333333 201.66667 30.25 231.9166667 201.6667

16 201.666667 201.66667 10.08333 211.75 0

17 0 0 0 0 0

18 0 0 0 0 0

19 0 0 0 0 0

20 0 0 0 0 0

21 0 0 0 0 0

22 0 0 0 0 0

bullet payments

yearly 1 2 3opening balance 1000 IDC interest schedule 100 110 121

years 10 cumulative IDC interest 100 210 331

morturium 2 qualified IDC interest 210

idc period 2



idc 100

actual peroid 6

10% 10% 10% 10% 10% 20% 20%

years 1 2 3 4 5 6 7

opening balance 1000 1100 1210 1210 1210 1089 847

principal 0 0 0 0 121 242 242

interest 100 110 121 121 114.95 96.8 72.6

closing balance 1000 1100 1210 1210 1089 847 605

payment 0 0 121 121 235.95 338.8 314.6


45/84

4 5

1,331 1,464

4,641 6,105

8 9 10 11

6,050 4,033 2,017 -

2,017 2,017 2,017 -

504 303 101 -

2,521 2,319 2,118 -

4,033 2,017 - -

2,521 2,319 2,118 -

4 5 6 7 8

266.2 292.82 322.102 354.3122 389.7434

928.2 1221.02 1543.122 1897.434 2287.178

8 9 10 11 12 13 14 15 16

1815 1613.333 1411.667 1210 1008.333 806.6667 605 403.3333 201.6667

201.6667 201.6667 201.6667 201.6667 201.6667 201.6667 201.6667 201.6667 201.6667

171.4167 151.25 131.0833 110.9167 90.75 70.58333 50.41667 30.25 10.08333

373.0833 352.9167 332.75 312.5833 292.4167 272.25 252.0833 231.9167 211.75

1613.333 1411.667 1210 1008.333 806.6667 605 403.3333 201.6667 0

4 5 6 7 8 9 10 11 12

13310 14641 16105.1 17715.61 19487.17 21435.89 23579.48 25937.42 28531.17

46410 61051 77156.1 94871.71 114358.9 135794.8 159374.2 185311.7 213842.8

8 9 10 11 12 13 14 15 16

194871.7 214358.9 235794.8 259374.2 285311.7 313842.8 345227.1 379749.8 417724.8


46/84

0 0 0 0 0 0 0 0 0

19487.17 21435.89 23579.48 25937.42 28531.17 31384.28 34522.71 37974.98 41772.48

0 0 0 0 0 0 0 0 0

194871.7 214358.9 235794.8 259374.2 285311.7 313842.8 345227.1 379749.8 417724.8

4 5 6 7 8 9 10 11 12

13310 14641 16105.1 17715.61 19487.17 21435.89 23579.48 25937.42 28531.17

46410 61051 77156.1 94871.71 114358.9 135794.8 159374.2 185311.7 213842.8

8 9 10 11 12 13 14 15 16

146410 146410 134209.2 122008.3 109807.5 97606.67 85405.83 73205 61004.17

0 12200.83 12200.83 12200.83 12200.83 12200.83 12200.83 12200.83 12200.83

14641 14030.96 12810.88 11590.79 10370.71 9150.625 7930.542 6710.458 5490.37514641 26231.79 25011.71 23791.63 22571.54 21351.46 20131.38 18911.29 17691.21

146410 134209.2 122008.3 109807.5 97606.67 85405.83 73205 61004.17 48803.33


47/84

4 5133.1 146.41

464.1 610.51

20% 20% 10%

8 9 10 11 12

605 363 121 0 0

242 242 121 0 0

48.4 24.2 6.05 0 0

363 121 0 0 0

290.4 266.2 127.05 0 0


48/84

17 18 19 20

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

13 14 15 16 17 18 19 20 21

31384.28 34522.71 37974.98 41772.48 45949.73 50544.7 55599.17 61159.09 67275

245227.1 279749.8 317724.8 359497.3 405447 455991.7 511590.9 572750 640025

17 18 19 20 21 22 23 24 25

459497.3 505447 555991.7 611590.9 672750 740025 814027.5 895430.2 984973.3


49/84

0 0 0 0 0 0 0 0 0

45949.73 50544.7 55599.17 61159.09 67275 74002.5 81402.75 89543.02 98497.33

0 0 0 0 0 0 0 0 98497.33

459497.3 505447 555991.7 611590.9 672750 740025 814027.5 895430.2 984973.3

13 14 15 16 17 18 19 20 21

31384.28 34522.71 37974.98 41772.48 45949.73 50544.7 55599.17 61159.09 67275

245227.1 279749.8 317724.8 359497.3 405447 455991.7 511590.9 572750 640025

17 18 19 20 21 22 23 24 25

48803.33 36602.5 24401.67 12200.83 0 0 0 0 0

12200.83 12200.83 12200.83 12200.83 0 0 0 0 0

4270.292 3050.208 1830.125 610.0417 0 0 0 0 016471.13 15251.04 14030.96 12810.88 0 0 0 0 0

36602.5 24401.67 12200.83 0 0 0 0 0 0


50/84


51/84

22 23 24 25 26 27 28 29 30

74002.5 81402.75 89543.02 98497.33 108347.1 119181.8 131099.9 144209.9 158630.9

714027.5 795430.2 884973.3 983470.6 1091818 1210999 1342099 1486309 1644940

26 27 28 29 30 31 32 33 34

984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3


52/84

0 0 0 0 0 0 0 0 0

98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33

98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33

984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3

22 23 24 25 26 27 28 29 30

74002.5 81402.75 89543.02 98497.33 108347.1 119181.8 131099.9 144209.9 158630.9

714027.5 795430.2 884973.3 983470.6 1091818 1210999 1342099 1486309 1644940

26 27 28 29 30 31 32 33 34

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0


53/84


54/84

31 32 33 34 35 36 37 38 39

174494 191943.4 211137.8 232251.5 255476.7 281024.4 309126.8 340039.5 374043.4

1819434 2011378 2222515 2454767 2710244 2991268 3300395 3640434 4014478

35 36 37 38 39 40 41 42 43

984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3


55/84

0 0 0 0 0 0 0 0 0

98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33

98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 98497.33

984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 984973.3

31 32 33 34 35 36 37 38 39

35

0

0

00

0 0


56/84


57/84

40 41 42

411447.8 452592.6 497851.8

4425926 4878518 5376370

44 45 46 47 48 49 50 51 52

984973.3 984973.3 984973.3 984973.3 984973.3 984973.3 943932.7 902892.2 861851.6


58/84

0 0 0 0 0 41040.55 41040.55 41040.55 41040.55

98497.33 98497.33 98497.33 98497.33 98497.33 98497.33 94393.27 90289.22 86185.16

98497.33 98497.33 98497.33 98497.33 98497.33 139537.9 135433.8 131329.8 127225.7

984973.3 984973.3 984973.3 984973.3 984973.3 943932.7 902892.2 861851.6 820811.1

40 41 42 43 44 45 46 47 48


59/84


60/84

53 54 55 56 57 58 59 60 61

820811.1 779770.5 738730 697689.4 656648.8 615608.3 574567.7 533527.2 492486.6


61/84

41040.55 41040.55 41040.55 41040.55 41040.55 41040.55 41040.55 41040.55 41040.55

82081.11 77977.05 73873 69768.94 65664.88 61560.83 57456.77 53352.72 49248.66

123121.7 119017.6 114913.5 110809.5 106705.4 102601.4 98497.33 94393.27 90289.22

779770.5 738730 697689.4 656648.8 615608.3 574567.7 533527.2 492486.6 451446.1

49 50 51 52 53 54 55 56


62/84


63/84

62 63 64 65 66 67 68 69 70

451446.1 410405.5 369365 328324.4 287283.9 246243.3 205202.8 164162.2 123121.7


64/84

41040.55 41040.55 41040.55 41040.55 41040.55 41040.55 41040.55 41040.55 41040.55

45144.61 41040.55 36936.5 32832.44 28728.39 24624.33 20520.28 16416.22 12312.17

86185.16 82081.11 77977.05 73873 69768.94 65664.88 61560.83 57456.77 53352.72

410405.5 369365 328324.4 287283.9 246243.3 205202.8 164162.2 123121.7 82081.11


65/84


66/84

71 72 73 74 75 76 77 78 79

82081.11 41040.55 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


67/84

41040.55 41040.55 0 0 0 0 0 0 0

8208.111 4104.055 0 0 0 0 0 0 0

49248.66 45144.61 0 0 0 0 0 0 0

41040.55 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


68/84


69/84

80 81 82 83 84 85 86 87 88

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


70/84

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


71/84


72/84

89 90 91 92 93 94 95 96 97

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


73/84

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


74/84


75/84

98 99 100 101 102 103 104 105 106

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


76/84

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


77/84


78/84

107 108 109 110 111 112 113 114 115

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


79/84

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


80/84


81/84

116 117 118 119 120 121

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


82/84

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10 4.95E-10


83/84

quartelyopening bal 900

years 12

interest 10%

payment 225

years 1 2 3 4 5 6 7 8opening bal 900 900 900 675 675 675 450 450

principal 0 0 225 0 0 225 0 0

interest 90 90 78.75 67.5 67.5 56.25 45 45

closing bal 900 900 675 675 675 450 450 450

payment 90 90 303.75 67.5 67.5 281.25 45 45


84/84

9 10 11 12 13450 225 225 225 0

225 0 0 225 0

33.75 22.5 22.5 11.25 0

225 225 225 0 0

258.75 22.5 22.5 236.25 0

calculation of loan in excel using formula

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