Q1

Loan
Rate
Time
Frequency
Nper
Effective Rate
Equated Installments

Loan
Rate
Time
Frequency
Nper
Effective Rate
Equated Installments

Q2
Loan
Rate
Time
Frequency
Nper
Effective Rate
New Principal
Equated Installments

Q3
Loan
Rate
Time
Frequency
Nper
Effective Rate
New Principal
Equated Installments

Q4
Asset Worth

3,000,000.00
10.00%
20
12
240
0.83%
28,950.65
3,000,000.00
10.00%
10
1
10
10.00%
488,236.18
5years Back
3,000,000.00
10.00%
30
12
360
0.83%

26,327.15

5years Back
3,000,000.00
7.00%
25
12
300
0.58%

21,203.38

Mr. X
10,000,000.00

Finance (%)
Loan
Rate
Time
Frequency
Nper
Effective Rate
New Principal
Equated Installments

90%
9,000,000.00
10.75%
15
12
180
0.90%

100,885.32

 2,500,000.00
9.00%
20
12
240
0.75%

500000
1.22%
20
12
240
0.10%

22,493.15

6,457.50

2,500,000.00
9.00%
10
1
10
9.00%

500000
14.75%
10
1
10
14.75%

389,550.22

98,685.96

Present
3,000,000.00
10.00%
5
12
60.00
0.83%
2,897,229.61

New Loan
Difference
2,897,229.61
8%
25
12
300.00
0.67%

22,361.29

Present
3,000,000.00
7.00%
5
12
60.00
0.58%
2,734,864.57

3,965.86

Present Value of FVCF

2,734,864.57
10%
20
12
240.00
0.83%

2,197,191.74

PV of Savings

513,834.63

Upfront PaymentSavings
4%
of amount of
loan

115,889.18

397,945.45