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Text File  |  1997-02-01  |  6KB  |  100 lines
  1.  
  2.  
  3.  PAYOFF LOAN AMORTIZATION PROGRAM      (C) 1991  Phadean Engineering Co., Inc.
  4.  Post Office Box 611, Shrewsbury, MA  01545-8611   U.S.A.       (508) 869-6077
  5.  
  6.  
  7.                                    ----------
  8.                                    Input Data
  9.                                    ----------
  10.  
  11.                    Principal (Amount Borrowed)        $75000.00
  12.                    Term of Loan                   30 Yrs  0 Mos
  13.                    Initial Annual Percentage Rate:        8.000 %
  14.                    Monthly Payments Begin November   1992
  15.  
  16.  
  17.                                ACCELERATED PAYMENTS
  18.                     Start            Stop            Additional
  19.                    Payment          Payment          Amount ($)
  20.                    -------          -------          ----------
  21.                        3               36               150.00
  22.                       37              120               125.00
  23.                      121              359               100.00
  24.  
  25.  
  26.  
  27. =============================================================================
  28.                             LOAN REPAYMENT SCHEDULE
  29.                           Tabulated Every 6th Payment
  30. -----------------------------------------------------------------------------
  31.  
  32.         Pmt     Payment     Principal     Interest     Principal       Total
  33. Mo/Yr   Num    Amount($)   Included($)   Included($)  Remaining($)  Interest($)
  34. -----   ---    ---------   -----------   -----------  ------------  -----------
  35. 11/92    1       550.32         50.32        500.00       74949.68       500.00
  36.  4/93    6a      700.32        205.04        495.28       74086.96      2988.90
  37. 10/93   12a      700.32        213.38        486.94       72827.67      5931.55
  38.  4/94   18a      700.32        222.06        478.26       71517.16      8822.98
  39. 10/94   24a      700.32        231.09        469.23       70153.35     11661.12
  40.  4/95   30a      700.32        240.49        459.83       68734.08     14443.78
  41. 10/95   36a      700.32        250.27        450.05       67257.07     17168.72
  42.  4/96   42a      675.32        234.61        440.71       65872.52     19836.10
  43. 10/96   48a      675.32        244.15        431.17       64431.65     22447.17
  44.  4/97   54a      675.32        254.08        421.24       62932.18     24999.64
  45. 10/97   60a      675.32        264.42        410.91       61371.72     27491.12
  46.  4/98   66a      675.32        275.17        400.15       59747.79     29919.14
  47. 10/98   72a      675.32        286.36        388.96       58057.81     32281.10
  48.  4/99   78a      675.32        298.01        377.31       56299.10     34574.33
  49. 10/99   84a      675.32        310.13        365.19       54468.86     36796.02
  50.  4/ 0   90a      675.32        322.74        352.58       52564.17     38943.28
  51. 10/ 0   96a      675.32        335.87        339.45       50582.02     41013.07
  52.  4/ 1  102a      675.32        349.53        325.79       48519.24     43002.23
  53. 10/ 1  108a      675.32        363.75        311.58       46372.57     44907.50
  54.  4/ 2  114a      675.32        378.54        296.78       44138.59     46725.46
  55. 10/ 2  120a      675.32        393.94        281.38       41813.75     48452.56
  56.  4/ 3  126a      650.32        384.12        266.21       39546.87     50087.62
  57. 10/ 3  132a      650.32        399.74        250.58       37187.79     51630.48
  58.  4/ 4  138a      650.32        416.00        234.33       34732.76     53077.39
  59. 10/ 4  144a      650.32        432.92        217.41       32177.88     54424.45
  60.  4/ 5  150a      650.32        450.53        199.80       29519.08     55667.60
  61. 10/ 5  156a      650.32        468.85        181.47       26752.15     56802.60
  62.  4/ 6  162a      650.32        487.92        162.40       23872.67     57825.07
  63. 10/ 6  168a      650.32        507.76        142.56       20876.08     58730.42
  64.  4/ 7  174a      650.32        528.42        121.91       17757.62     59513.89
  65. 10/ 7  180a      650.32        549.91        100.41       14512.31     60170.53
  66.  4/ 8  186a      650.32        572.27         78.05       11135.01     60695.17
  67. 10/ 8  192a      650.32        595.55         54.77        7620.35     61082.45
  68.  4/ 9  198a      650.32        619.77         30.55        3962.73     61326.77
  69. 10/ 9  204a      650.32        644.98          5.34         156.35     61422.33
  70. 11/ 9  205a      157.40        156.35          1.04           0.00     61423.38
  71.  
  72.                       p - prenegotiated skip payment
  73.                       a - accelerated pmt (additional principal)
  74.                       i - interest only random skip payment
  75.                       r - random skip payment (no interest)
  76.  
  77. =============================================================================
  78.                           SUMMARY AMORTIZATION DATA
  79. -----------------------------------------------------------------------------
  80.  
  81.                    Total Amount Repaid =            $136423.38
  82.                    Total Interest Paid =             $61423.38
  83.                    Number of Payment Periods =             205
  84.  
  85.                                 - - - - -
  86.  
  87.                    Without Skips, Variable Rates
  88.                    or Accelerated Payments:
  89.                    Fixed Monthly Payment =             $550.33
  90.                    Total Amount Repaid =            $198118.80
  91.                    Interest [with points] =         $123118.80
  92.                    Number of Payments =                    360
  93.  
  94.                                    - - - - -
  95.  
  96.                    This Repayment Schedule Saved Interest
  97.                    of                                $61695.42
  98.  
  99.                    Effective APR =  7.851 percent/year
  100.