Amortisation Table

Loan 400,000

Interest 8.10% BLR + 1.3%

Tenure 20 years
Monthly
Instalment 3,371

Loan Loan O/S

Outstanding after
Month Beg of Month Instalment Instalment
0 400,000
1 402,700 3,371 399,329
2 402,025 3,371 398,654
3 401,345 3,371 397,974
4 400,661 3,371 397,290
5 399,972 3,371 396,601
6 399,278 3,371 395,907
7 398,580 3,371 395,209
8 397,877 3,371 394,506
9 397,169 3,371 393,798
10 396,456 3,371 393,086
11 395,739 3,371 392,368
12 395,017 3,371 391,646
13 394,290 3,371 390,919
14 393,558 3,371 390,187
15 392,821 3,371 389,450
16 392,079 3,371 388,708
17 391,332 3,371 387,961
18 390,580 3,371 387,209
19 389,823 3,371 386,452
20 389,061 3,371 385,690
21 388,293 3,371 384,923
22 387,521 3,371 384,150
23 386,743 3,371 383,373
24 385,960 3,371 382,590
25 385,172 3,371 381,801
26 384,379 3,371 381,008
27 383,580 3,371 380,209
28 382,775 3,371 379,405
29 381,966 3,371 378,595
30 381,151 3,371 377,780
31 380,330 3,371 376,959
32 379,504 3,371 376,133
33 378,672 3,371 375,301
34 377,834 3,371 374,464
35 376,991 3,371 373,621
36 376,143 3,371 372,772
37 375,288 3,371 371,917
38 374,428 3,371 371,057
39 373,562 3,371 370,191
40 372,690 3,371 369,319
41 371,812 3,371 368,441
42 370,928 3,371 367,558
43 370,039 3,371 366,668
44 369,143 3,371 365,772
45 368,241 3,371 364,871
46 367,333 3,371 363,963
47 366,419 3,371 363,049
48 365,499 3,371 362,129
49 364,573 3,371 361,202
50 363,640 3,371 360,270
51 362,702 3,371 359,331
52 361,756 3,371 358,386
53 360,805 3,371 357,434
54 359,847 3,371 356,476
55 358,882 3,371 355,512
56 357,911 3,371 354,541
57 356,934 3,371 353,563
58 355,950 3,371 352,579
59 354,959 3,371 351,588
60 353,961 3,371 350,591
61 352,957 3,371 349,586
62 351,946 3,371 348,575
63 350,928 3,371 347,558
64 349,904 3,371 346,533
65 348,872 3,371 345,501
66 347,833 3,371 344,463
67 346,788 3,371 343,417
68 345,735 3,371 342,365
69 344,675 3,371 341,305
70 343,609 3,371 340,238
71 342,535 3,371 339,164
72 341,453 3,371 338,082
73 340,365 3,371 336,994
74 339,269 3,371 335,898
75 338,165 3,371 334,794
76 337,054 3,371 333,684
77 335,936 3,371 332,565
78 334,810 3,371 331,439
79 333,677 3,371 330,306
80 332,535 3,371 329,165
81 331,387 3,371 328,016
 82 330,230 3,371 326,859
83 329,066 3,371 325,695
84 327,893 3,371 324,523
85 326,713 3,371 323,343
86 325,525 3,371 322,154
87 324,329 3,371 320,958
88 323,125 3,371 319,754
89 321,912 3,371 318,542
90 320,692 3,371 317,321
91 319,463 3,371 316,092
92 318,226 3,371 314,855
93 316,981 3,371 313,610
94 315,727 3,371 312,356
95 314,464 3,371 311,094
96 313,194 3,371 309,823
97 311,914 3,371 308,544
98 310,626 3,371 307,255
99 309,329 3,371 305,959
100 308,024 3,371 304,653
101 306,710 3,371 303,339
102 305,387 3,371 302,016
103 304,054 3,371 300,684
104 302,713 3,371 299,343
105 301,363 3,371 297,993
106 300,004 3,371 296,633
107 298,636 3,371 295,265
108 297,258 3,371 293,887
109 295,871 3,371 292,500
110 294,475 3,371 291,104
111 293,069 3,371 289,698
112 291,654 3,371 288,283
113 290,229 3,371 286,858
114 288,794 3,371 285,424
115 287,350 3,371 283,980
116 285,897 3,371 282,526
117 284,433 3,371 281,062
118 282,959 3,371 279,589
119 281,476 3,371 278,105
120 279,982 3,371 276,612
121 278,479 3,371 275,108
122 276,965 3,371 273,594
123 275,441 3,371 272,070
124 273,907 3,371 270,536
125 272,362 3,371 268,992
126 270,807 3,371 267,437
127 269,242 3,371 265,871
128 267,666 3,371 264,295
129 266,079 3,371 262,708
130 264,482 3,371 261,111
131 262,873 3,371 259,503
132 261,254 3,371 257,884
133 259,624 3,371 256,254
134 257,983 3,371 254,613
135 256,331 3,371 252,961
136 254,668 3,371 251,298
137 252,994 3,371 249,623
138 251,308 3,371 247,937
139 249,611 3,371 246,240
140 247,902 3,371 244,532
141 246,182 3,371 242,812
142 244,450 3,371 241,080
143 242,707 3,371 239,336
144 240,952 3,371 237,581
145 239,185 3,371 235,814
146 237,406 3,371 234,035
147 235,615 3,371 232,244
148 233,812 3,371 230,441
149 231,997 3,371 228,626
150 230,169 3,371 226,799
151 228,329 3,371 224,959
152 226,477 3,371 223,107
153 224,612 3,371 221,242
154 222,735 3,371 219,364
155 220,845 3,371 217,474
156 218,942 3,371 215,572
157 217,027 3,371 213,656
158 215,098 3,371 211,728
159 213,157 3,371 209,786
160 211,202 3,371 207,831
161 209,234 3,371 205,864
162 207,253 3,371 203,882
163 205,259 3,371 201,888
164 203,251 3,371 199,880
165 201,229 3,371 197,859
166 199,194 3,371 195,823
167 197,145 3,371 193,775
168 195,082 3,371 191,712
169 193,006 3,371 189,635
170 190,915 3,371 187,544
171 188,810 3,371 185,440
172 186,691 3,371 183,321
173 184,558 3,371 181,187
174 182,410 3,371 179,040
175 180,248 3,371 176,878
176 178,072 3,371 174,701
177 175,880 3,371 172,509
178 173,674 3,371 170,303
179 171,453 3,371 168,082
180 169,216 3,371 165,846
181 166,965 3,371 163,595
182 164,699 3,371 161,328
183 162,417 3,371 159,046
184 160,120 3,371 156,749
185 157,807 3,371 154,437
186 155,479 3,371 152,108
187 153,135 3,371 149,764
188 150,775 3,371 147,405
189 148,400 3,371 145,029
190 146,008 3,371 142,637
191 143,600 3,371 140,229
192 141,176 3,371 137,805
193 138,735 3,371 135,365
194 136,278 3,371 132,908
195 133,805 3,371 130,434
196 131,314 3,371 127,944
197 128,807 3,371 125,437
198 126,283 3,371 122,913
199 123,742 3,371 120,372
200 121,184 3,371 117,813
201 118,609 3,371 115,238
202 116,016 3,371 112,645
203 113,406 3,371 110,035
204 110,778 3,371 107,407
205 108,132 3,371 104,761
206 105,468 3,371 102,098
207 102,787 3,371 99,416
208 100,087 3,371 96,716
209 97,369 3,371 93,999
210 94,633 3,371 91,262
211 91,878 3,371 88,508
212 89,105 3,371 85,734
213 86,313 3,371 82,942
214 83,502 3,371 80,132
215 80,672 3,371 77,302
216 77,824 3,371 74,453
217 74,955 3,371 71,585
218 72,068 3,371 68,697
219 69,161 3,371 65,790
220 66,234 3,371 62,864
221 63,288 3,371 59,917
222 60,322 3,371 56,951
223 57,335 3,371 53,965
224 54,329 3,371 50,958
225 51,302 3,371 47,932
226 48,255 3,371 44,884
227 45,187 3,371 41,817
228 42,099 3,371 38,728
229 38,990 3,371 35,619
230 35,859 3,371 32,489
231 32,708 3,371 29,337
232 29,535 3,371 26,165
233 26,341 3,371 22,971
234 23,126 3,371 19,755
235 19,888 3,371 16,518
236 16,629 3,371 13,258
237 13,348 3,371 9,977
238 10,044 3,371 6,674
239 6,719 3,371 3,348
240 3,371 3,371 (0)
 Savings of
Int
p.a. monthly
rests

Loan
Outstanding
Interest Principal End of Month
2,700.00 402,700
2,695.47 670.70 402,025
2,690.92 675.22 401,345
2,686.33 679.78 400,661
2,681.71 684.37 399,972
2,677.06 688.99 399,278
2,672.37 693.64 398,580
2,667.66 698.32 397,877
2,662.92 703.04 397,169
2,658.14 707.78 396,456
2,653.33 712.56 395,739
2,648.49 717.37 395,017
2,643.61 722.21 394,290
2,638.70 727.09 393,558
2,633.76 731.99 392,821
2,628.79 736.94 392,079
2,623.78 741.91 391,332
2,618.74 746.92 390,580
2,613.66 751.96 389,823
2,608.55 757.04 389,061
2,603.41 762.15 388,293
2,598.23 767.29 387,521
2,593.01 772.47 386,743
2,587.76 777.68 385,960
2,582.48 782.93 385,172
2,577.16 788.22 384,379
2,571.80 793.54 383,580
2,566.41 798.89 382,775
2,560.98 804.29 381,966
2,555.52 809.72 381,151
2,550.01 815.18 380,330
2,544.47 820.68 379,504
2,538.90 826.22 378,672
2,533.28 831.80 377,834
2,527.63 837.41 376,991
2,521.94 843.07 376,143
2,516.21 848.76 375,288
2,510.44 854.49 374,428
2,504.64 860.25 373,562
2,498.79 866.06 372,690
2,492.90 871.91 371,812
2,486.98 877.79 370,928
2,481.01 883.72 370,039
2,475.01 889.68 369,143
2,468.96 895.69 368,241
2,462.88 901.73 367,333
2,456.75 907.82 366,419
2,450.58 913.95 365,499
2,444.37 920.12 364,573
2,438.12 926.33 363,640
2,431.82 932.58 362,702
2,425.48 938.88 361,756
2,419.10 945.21 360,805
2,412.68 951.59 359,847
2,406.21 958.02 358,882
2,399.70 964.48 357,911
2,393.15 970.99 356,934
2,386.55 977.55 355,950
2,379.91 984.15 354,959
2,373.22 990.79 353,961
2,366.49 997.48 352,957
2,359.71 1,004.21 351,946
2,352.88 1,010.99 350,928
2,346.01 1,017.81 349,904
2,339.10 1,024.68 348,872
2,332.13 1,031.60 347,833
2,325.12 1,038.56 346,788
2,318.07 1,045.57 345,735
2,310.96 1,052.63 344,675
2,303.81 1,059.74 343,609
2,296.61 1,066.89 342,535
2,289.36 1,074.09 341,453
2,282.06 1,081.34 340,365
2,274.71 1,088.64 339,269
2,267.31 1,095.99 338,165
2,259.86 1,103.39 337,054
2,252.36 1,110.83 335,936
2,244.82 1,118.33 334,810
2,237.22 1,125.88 333,677
2,229.57 1,133.48 332,535
2,221.86 1,141.13 331,387
2,214.11 1,148.83 330,230
2,206.30 1,156.59 329,066
2,198.44 1,164.40 327,893
2,190.53 1,172.26 326,713
2,182.56 1,180.17 325,525
2,174.54 1,188.14 324,329
2,166.47 1,196.16 323,125
2,158.34 1,204.23 321,912
2,150.16 1,212.36 320,692
2,141.92 1,220.54 319,463
2,133.62 1,228.78 318,226
2,125.27 1,237.07 316,981
2,116.87 1,245.42 315,727
2,108.40 1,253.83 314,464
2,099.88 1,262.29 313,194
2,091.30 1,270.81 311,914
2,082.67 1,279.39 310,626
2,073.97 1,288.03 309,329
2,065.22 1,296.72 308,024
2,056.41 1,305.48 306,710
2,047.54 1,314.29 305,387
2,038.61 1,323.16 304,054
2,029.62 1,332.09 302,713
2,020.56 1,341.08 301,363
2,011.45 1,350.13 300,004
2,002.27 1,359.25 298,636
1,993.04 1,368.42 297,258
1,983.74 1,377.66 295,871
1,974.38 1,386.96 294,475
1,964.95 1,396.32 293,069
1,955.46 1,405.75 291,654
1,945.91 1,415.23 290,229
1,936.29 1,424.79 288,794
1,926.61 1,434.40 287,350
1,916.86 1,444.09 285,897
1,907.05 1,453.83 284,433
1,897.17 1,463.65 282,959
1,887.22 1,473.53 281,476
1,877.21 1,483.47 279,982
1,867.13 1,493.49 278,479
1,856.98 1,503.57 276,965
1,846.76 1,513.72 275,441
1,836.48 1,523.93 273,907
1,826.12 1,534.22 272,362
1,815.69 1,544.58 270,807
1,805.20 1,555.00 269,242
1,794.63 1,565.50 267,666
1,783.99 1,576.07 266,079
1,773.28 1,586.71 264,482
1,762.50 1,597.42 262,873
1,751.64 1,608.20 261,254
1,740.72 1,619.05 259,624
1,729.71 1,629.98 257,983
1,718.64 1,640.98 256,331
1,707.48 1,652.06 254,668
1,696.26 1,663.21 252,994
1,684.96 1,674.44 251,308
1,673.58 1,685.74 249,611
1,662.12 1,697.12 247,902
1,650.59 1,708.58 246,182
1,638.98 1,720.11 244,450
1,627.29 1,731.72 242,707
1,615.52 1,743.41 240,952
1,603.67 1,755.18 239,185
1,591.75 1,767.02 237,406
1,579.74 1,778.95 235,615
1,567.65 1,790.96 233,812
1,555.48 1,803.05 231,997
1,543.23 1,815.22 230,169
1,530.89 1,827.47 228,329
1,518.47 1,839.81 226,477
1,505.97 1,852.23 224,612
1,493.38 1,864.73 222,735
1,480.71 1,877.32 220,845
1,467.95 1,889.99 218,942
1,455.11 1,902.74 217,027
1,442.18 1,915.59 215,098
1,429.16 1,928.52 213,157
1,416.06 1,941.54 211,202
1,402.86 1,954.64 209,234
1,389.58 1,967.84 207,253
1,376.21 1,981.12 205,259
1,362.74 1,994.49 203,251
1,349.19 2,007.95 201,229
1,335.55 2,021.51 199,194
1,321.81 2,035.15 197,145
1,307.98 2,048.89 195,082
1,294.05 2,062.72 193,006
1,280.04 2,076.64 190,915
1,265.93 2,090.66 188,810
1,251.72 2,104.77 186,691
1,237.41 2,118.98 184,558
1,223.02 2,133.28 182,410
1,208.52 2,147.68 180,248
1,193.92 2,162.18 178,072
1,179.23 2,176.77 175,880
1,164.44 2,191.47 173,674
1,149.55 2,206.26 171,453
1,134.55 2,221.15 169,216
1,119.46 2,236.14 166,965
1,104.26 2,251.24 164,699
1,088.96 2,266.43 162,417
1,073.56 2,281.73 160,120
1,058.06 2,297.13 157,807
1,042.45 2,312.64 155,479
1,026.73 2,328.25 153,135
1,010.91 2,343.97 150,775
994.98 2,359.79 148,400
978.95 2,375.72 146,008
962.80 2,391.75 143,600
946.55 2,407.90 141,176
930.18 2,424.15 138,735
913.71 2,440.51 136,278
897.13 2,456.99 133,805
880.43 2,473.57 131,314
863.62 2,490.27 128,807
846.70 2,507.08 126,283
829.66 2,524.00 123,742
812.51 2,541.04 121,184
795.24 2,558.19 118,609
777.86 2,575.46 116,016
760.35 2,592.84 113,406
742.73 2,610.34 110,778
725.00 2,627.96 108,132
707.14 2,645.70 105,468
689.16 2,663.56 102,787
671.06 2,681.54 100,087
652.84 2,699.64 97,369
634.49 2,717.86 94,633
 616.02 2,736.21 91,878
597.43 2,754.68 89,105
578.71 2,773.27 86,313
559.86 2,791.99 83,502
540.89 2,810.84 80,672
521.79 2,829.81 77,824
502.56 2,848.91 74,955
483.20 2,868.14 72,068
463.71 2,887.50 69,161
444.08 2,906.99 66,234
424.33 2,926.61 63,288
404.44 2,946.37 60,322
384.42 2,966.26 57,335
364.26 2,986.28 54,329
343.97 3,006.44 51,302
323.54 3,026.73 48,255
302.97 3,047.16 45,187
282.26 3,067.73 42,099
261.42 3,088.43 38,990
240.43 3,109.28 35,859
219.30 3,130.27 32,708
198.03 3,151.40 29,535
176.61 3,172.67 26,341
155.05 3,194.09 23,126
133.35 3,215.65 19,888
111.49 3,237.35 16,629
89.49 3,259.20 13,348
67.35 3,281.20 10,044
45.05 3,303.35 6,719
22.60 3,325.65 3,371
(0.00) 3,348.10 (0)
408,967.36
42,289.56
 Amortisation Table

Loan 400,000

Interest 8.10% BLR + 1.3%

Revised
Interest 7.70%
Tenure 20 years
Monthly
Instalment 3,371

Loan Loan O/S

Outstanding after
Month Beg of Month Instalment Instalment
0 400,000
1 402,700 3,371 399,329
2 402,025 3,371 398,654
3 401,345 3,371 397,974
4 400,661 3,371 397,290
5 399,972 3,371 396,601
6 399,278 3,371 395,907
7 398,580 3,371 395,209
8 397,877 3,371 394,506
9 397,169 3,371 393,798
10 396,456 3,371 393,086
11 395,739 3,371 392,368
12 395,017 3,371 391,646
13 394,290 3,371 390,919
14 393,558 3,371 390,187
15 392,821 3,371 389,450
16 392,079 3,371 388,708
17 391,332 3,371 387,961
18 390,580 3,371 387,209
19 389,823 3,371 386,452
20 389,061 3,371 385,690
21 388,293 3,371 384,923
22 387,521 3,371 384,150
23 386,615 3,371 383,245
24 385,704 3,371 382,333
25 384,786 3,371 381,416
26 383,863 3,371 380,492
27 382,934 3,371 379,563
28 381,999 3,371 378,628
29 381,057 3,371 377,687
30 380,110 3,371 376,740
31 379,157 3,371 375,786
32 378,198 3,371 374,827
33 377,232 3,371 373,861
34 376,260 3,371 372,890
35 375,282 3,371 371,912
36 374,298 3,371 370,927
37 373,307 3,371 369,937
38 372,310 3,371 368,940
39 371,307 3,371 367,936
40 370,297 3,371 366,927
41 369,281 3,371 365,910
42 368,258 3,371 364,888
43 367,229 3,371 363,858
44 366,193 3,371 362,822
45 365,151 3,371 361,780
46 364,101 3,371 360,731
47 363,045 3,371 359,675
48 361,982 3,371 358,612
49 360,913 3,371 357,542
50 359,836 3,371 356,466
51 358,753 3,371 355,382
52 357,663 3,371 354,292
53 356,565 3,371 353,195
54 355,461 3,371 352,090
55 354,350 3,371 350,979
56 353,231 3,371 349,860
57 352,105 3,371 348,734
58 350,972 3,371 347,601
59 349,832 3,371 346,461
60 348,684 3,371 345,314
61 347,529 3,371 344,159
62 346,367 3,371 342,996
63 345,197 3,371 341,827
64 344,020 3,371 340,649
65 342,835 3,371 339,464
66 341,643 3,371 338,272
67 340,443 3,371 337,072
68 339,235 3,371 335,864
69 338,019 3,371 334,648
70 336,796 3,371 333,425
71 335,565 3,371 332,194
72 334,325 3,371 330,955
73 333,078 3,371 329,708
74 331,823 3,371 328,453
75 330,560 3,371 327,189
76 329,289 3,371 325,918
77 328,010 3,371 324,639
78 326,722 3,371 323,351
79 325,426 3,371 322,055
80 324,122 3,371 320,751
 81 322,809 3,371 319,439
82 321,488 3,371 318,118
83 320,159 3,371 316,788
84 318,821 3,371 315,450
85 317,474 3,371 314,104
86 316,119 3,371 312,749
87 314,755 3,371 311,385
88 313,383 3,371 310,012
89 312,001 3,371 308,631
90 310,611 3,371 307,240
91 309,212 3,371 305,841
92 307,803 3,371 304,433
93 306,386 3,371 303,015
94 304,960 3,371 301,589
95 303,524 3,371 300,154
96 302,080 3,371 298,709
97 300,626 3,371 297,255
98 299,162 3,371 295,792
99 297,690 3,371 294,319
100 296,207 3,371 292,837
101 294,716 3,371 291,345
102 293,215 3,371 289,844
103 291,704 3,371 288,333
104 290,183 3,371 286,812
105 288,653 3,371 285,282
106 287,113 3,371 283,742
107 285,563 3,371 282,192
108 284,003 3,371 280,632
109 282,433 3,371 279,062
110 280,853 3,371 277,482
111 279,263 3,371 275,892
112 277,662 3,371 274,291
113 276,051 3,371 272,681
114 274,430 3,371 271,060
115 272,799 3,371 269,428
116 271,157 3,371 267,787
117 269,505 3,371 266,134
118 267,842 3,371 264,471
119 266,168 3,371 262,797
120 264,484 3,371 261,113
121 262,788 3,371 259,418
122 261,082 3,371 257,712
123 259,365 3,371 255,995
124 257,637 3,371 254,267
125 255,898 3,371 252,527
126 254,148 3,371 250,777
127 252,386 3,371 249,016
128 250,613 3,371 247,243
129 248,829 3,371 245,458
130 247,034 3,371 243,663
131 245,226 3,371 241,856
132 243,408 3,371 240,037
133 241,577 3,371 238,206
134 239,735 3,371 236,364
135 237,881 3,371 234,510
136 236,015 3,371 232,644
137 234,137 3,371 230,766
138 232,247 3,371 228,876
139 230,345 3,371 226,974
140 228,431 3,371 225,060
141 226,504 3,371 223,133
142 224,565 3,371 221,195
143 222,614 3,371 219,243
144 220,650 3,371 217,279
145 218,673 3,371 215,303
146 216,684 3,371 213,314
147 214,682 3,371 211,312
148 212,668 3,371 209,297
149 210,640 3,371 207,269
150 208,599 3,371 205,228
151 206,545 3,371 203,175
152 204,478 3,371 201,108
153 202,398 3,371 199,027
154 200,305 3,371 196,934
155 198,197 3,371 194,827
156 196,077 3,371 192,706
157 193,943 3,371 190,572
158 191,795 3,371 188,424
159 189,633 3,371 186,263
160 187,458 3,371 184,087
161 185,268 3,371 181,898
162 183,065 3,371 179,694
163 180,847 3,371 177,476
164 178,615 3,371 175,244
165 176,369 3,371 172,998
166 174,108 3,371 170,738
167 171,833 3,371 168,463
168 169,543 3,371 166,173
169 167,239 3,371 163,868
170 164,920 3,371 161,549
171 162,586 3,371 159,215
172 160,237 3,371 156,866
173 157,873 3,371 154,502
174 155,493 3,371 152,123
175 153,099 3,371 149,728
176 150,689 3,371 147,318
177 148,263 3,371 144,893
178 145,822 3,371 142,452
179 143,366 3,371 139,995
180 140,893 3,371 137,523
181 138,405 3,371 135,034
182 135,901 3,371 132,530
183 133,381 3,371 130,010
184 130,844 3,371 127,473
185 128,291 3,371 124,921
186 125,722 3,371 122,352
187 123,137 3,371 119,766
188 120,534 3,371 117,164
189 117,916 3,371 114,545
190 115,280 3,371 111,909
191 112,627 3,371 109,256
192 109,958 3,371 106,587
193 107,271 3,371 103,900
194 104,567 3,371 101,196
195 101,845 3,371 98,475
196 99,107 3,371 95,736
197 96,350 3,371 92,980
198 93,576 3,371 90,205
199 90,784 3,371 87,414
200 87,974 3,371 84,604
201 85,147 3,371 81,776
202 82,301 3,371 78,930
203 79,436 3,371 76,066
204 76,554 3,371 73,183
205 73,653 3,371 70,282
206 70,733 3,371 67,362
207 67,795 3,371 64,424
208 64,837 3,371 61,467
209 61,861 3,371 58,490
210 58,866 3,371 55,495
211 55,851 3,371 52,480
212 52,817 3,371 49,446
213 49,764 3,371 46,393
214 46,691 3,371 43,320
215 43,598 3,371 40,227
216 40,485 3,371 37,115
217 37,353 3,371 33,982
218 34,200 3,371 30,829
219 31,027 3,371 27,657
220 27,834 3,371 24,463
221 24,620 3,371 21,250
222 21,386 3,371 18,015
223 18,131 3,371 14,760
224 14,855 3,371 11,484
225 11,558 3,371 8,187
226 8,240 3,371 4,869
227 4,900 3,371 1,530
228 1,539 3,371 (1,831)
229 (1,843) 3,371 (5,214)
230 (5,247) 3,371 (8,618)
231 (8,673) 3,371 (12,044)
232 (12,121) 3,371 (15,492)
233 (15,591) 3,371 (18,962)
234 (19,084) 3,371 (22,454)
235 (22,599) 3,371 (25,969)
236 (26,136) 3,371 (29,507)
237 (29,696) 3,371 (33,067)
238 (33,279) 3,371 (36,649)
239 (36,885) 3,371 (40,255)
240 (40,514) 3,371 (43,884)
p.a. monthly
rests

Loan
Outstanding
Interest Principal End of Month
2,700.00 402,700
2,695.47 670.70 402,025
2,690.92 675.22 401,345
2,686.33 679.78 400,661
2,681.71 684.37 399,972
2,677.06 688.99 399,278
2,672.37 693.64 398,580
2,667.66 698.32 397,877
2,662.92 703.04 397,169
2,658.14 707.78 396,456
2,653.33 712.56 395,739
2,648.49 717.37 395,017
2,643.61 722.21 394,290
2,638.70 727.09 393,558
2,633.76 731.99 392,821
2,628.79 736.94 392,079
2,623.78 741.91 391,332
2,618.74 746.92 390,580
2,613.66 751.96 389,823
2,608.55 757.04 389,061
2,603.41 762.15 388,293
2,598.23 767.29 387,521
2,464.96 772.47 386,615
2,459.15 905.73 385,704
2,453.30 911.54 384,786
2,447.42 917.39 383,863
2,441.49 923.28 382,934
2,435.53 929.20 381,999
2,429.53 935.17 381,057
2,423.49 941.17 380,110
2,417.41 947.21 379,157
2,411.30 953.29 378,198
2,405.14 959.40 377,232
2,398.94 965.56 376,260
2,392.71 971.75 375,282
2,386.43 977.99 374,298
2,380.12 984.26 373,307
2,373.76 990.58 372,310
2,367.36 996.94 371,307
2,360.93 1,003.33 370,297
2,354.45 1,009.77 369,281
2,347.93 1,016.25 368,258
2,341.36 1,022.77 367,229
2,334.76 1,029.33 366,193
2,328.11 1,035.94 365,151
2,321.42 1,042.59 364,101
2,314.69 1,049.28 363,045
2,307.91 1,056.01 361,982
2,301.09 1,062.79 360,913
2,294.23 1,069.61 359,836
2,287.32 1,076.47 358,753
2,280.37 1,083.38 357,663
2,273.37 1,090.33 356,565
2,266.33 1,097.32 355,461
2,259.25 1,104.37 354,350
2,252.11 1,111.45 353,231
2,244.94 1,118.58 352,105
2,237.71 1,125.76 350,972
2,230.44 1,132.98 349,832
2,223.13 1,140.25 348,684
2,215.76 1,147.57 347,529
2,208.35 1,154.93 346,367
2,200.89 1,162.35 345,197
2,193.39 1,169.80 344,020
2,185.83 1,177.31 342,835
2,178.23 1,184.86 341,643
2,170.58 1,192.47 340,443
2,162.88 1,200.12 339,235
2,155.13 1,207.82 338,019
2,147.33 1,215.57 336,796
2,139.48 1,223.37 335,565
2,131.58 1,231.22 334,325
2,123.63 1,239.12 333,078
2,115.62 1,247.07 331,823
2,107.57 1,255.07 330,560
2,099.47 1,263.13 329,289
2,091.31 1,271.23 328,010
2,083.10 1,279.39 326,722
2,074.84 1,287.60 325,426
2,066.52 1,295.86 324,122
2,058.15 1,304.18 322,809
2,049.73 1,312.54 321,488
2,041.26 1,320.97 320,159
2,032.72 1,329.44 318,821
2,024.14 1,337.97 317,474
2,015.50 1,346.56 316,119
2,006.80 1,355.20 314,755
1,998.05 1,363.89 313,383
1,989.24 1,372.65 312,001
1,980.38 1,381.45 310,611
1,971.46 1,390.32 309,212
1,962.48 1,399.24 307,803
1,953.44 1,408.22 306,386
1,944.35 1,417.25 304,960
1,935.20 1,426.35 303,524
1,925.99 1,435.50 302,080
1,916.72 1,444.71 300,626
1,907.39 1,453.98 299,162
1,898.00 1,463.31 297,690
1,888.55 1,472.70 296,207
1,879.04 1,482.15 294,716
1,869.46 1,491.66 293,215
1,859.83 1,501.23 291,704
1,850.14 1,510.87 290,183
1,840.38 1,520.56 288,653
1,830.56 1,530.32 287,113
1,820.68 1,540.14 285,563
1,810.73 1,550.02 284,003
1,800.72 1,559.97 282,433
1,790.65 1,569.98 280,853
1,780.51 1,580.05 279,263
1,770.31 1,590.19 277,662
1,760.04 1,600.39 276,051
1,749.70 1,610.66 274,430
1,739.30 1,621.00 272,799
1,728.83 1,631.40 271,157
1,718.30 1,641.87 269,505
1,707.69 1,652.40 267,842
1,697.02 1,663.00 266,168
1,686.28 1,673.67 264,484
1,675.48 1,684.41 262,788
1,664.60 1,695.22 261,082
1,653.65 1,706.10 259,365
1,642.63 1,717.05 257,637
1,631.54 1,728.07 255,898
1,620.38 1,739.15 254,148
1,609.15 1,750.31 252,386
1,597.85 1,761.54 250,613
1,586.47 1,772.85 248,829
1,575.03 1,784.22 247,034
1,563.50 1,795.67 245,226
1,551.91 1,807.19 243,408
1,540.24 1,818.79 241,577
1,528.49 1,830.46 239,735
1,516.67 1,842.21 237,881
1,504.77 1,854.03 236,015
1,492.80 1,865.92 234,137
1,480.75 1,877.90 232,247
1,468.62 1,889.95 230,345
1,456.42 1,902.07 228,431
1,444.14 1,914.28 226,504
1,431.77 1,926.56 224,565
1,419.33 1,938.92 222,614
1,406.81 1,951.37 220,650
1,394.21 1,963.89 218,673
1,381.53 1,976.49 216,684
1,368.76 1,989.17 214,682
1,355.92 2,001.93 212,668
1,342.99 2,014.78 210,640
1,329.98 2,027.71 208,599
1,316.88 2,040.72 206,545
1,303.70 2,053.81 204,478
1,290.44 2,066.99 202,398
1,277.09 2,080.26 200,305
1,263.66 2,093.60 198,197
1,250.14 2,107.04 196,077
1,236.53 2,120.56 193,943
1,222.84 2,134.17 191,795
1,209.06 2,147.86 189,633
1,195.18 2,161.64 187,458
1,181.23 2,175.51 185,268
1,167.18 2,189.47 183,065
1,153.04 2,203.52 180,847
1,138.81 2,217.66 178,615
1,124.49 2,231.89 176,369
1,110.07 2,246.21 174,108
1,095.57 2,260.63 171,833
1,080.97 2,275.13 169,543
1,066.28 2,289.73 167,239
1,051.49 2,304.42 164,920
1,036.61 2,319.21 162,586
1,021.63 2,334.09 160,237
1,006.56 2,349.07 157,873
991.39 2,364.14 155,493
976.12 2,379.31 153,099
960.75 2,394.58 150,689
945.29 2,409.94 148,263
929.73 2,425.41 145,822
914.06 2,440.97 143,366
898.30 2,456.63 140,893
882.44 2,472.40 138,405
866.47 2,488.26 135,901
850.40 2,504.23 133,381
834.23 2,520.30 130,844
817.95 2,536.47 128,291
801.57 2,552.74 125,722
785.09 2,569.12 123,137
768.50 2,585.61 120,534
751.80 2,602.20 117,916
735.00 2,618.90 115,280
718.08 2,635.70 112,627
701.06 2,652.61 109,958
683.93 2,669.63 107,271
666.69 2,686.76 104,567
649.34 2,704.01 101,845
631.88 2,721.36 99,107
614.31 2,738.82 96,350
596.62 2,756.39 93,576
578.82 2,774.08 90,784
560.90 2,791.88 87,974
542.87 2,809.79 85,147
524.73 2,827.82 82,301
506.47 2,845.97 79,436
488.09 2,864.23 76,554
469.59 2,882.61 73,653
450.98 2,901.11 70,733
432.24 2,919.72 67,795
413.39 2,938.46 64,837
394.41 2,957.31 61,861
 375.31 2,976.29 58,866
356.09 2,995.38 55,851
336.75 3,014.61 52,817
317.28 3,033.95 49,764
297.69 3,053.42 46,691
277.97 3,073.01 43,598
258.12 3,092.73 40,485
238.15 3,112.57 37,353
218.05 3,132.55 34,200
197.82 3,152.65 31,027
177.46 3,172.88 27,834
156.97 3,193.23 24,620
136.35 3,213.72 21,386
115.60 3,234.35 18,131
94.71 3,255.10 14,855
73.69 3,275.99 11,558
52.53 3,297.01 8,240
31.24 3,318.16 4,900
9.81 3,339.45 1,539
(11.75) 3,360.88 (1,843)
(33.46) 3,382.45 (5,247)
(55.30) 3,404.15 (8,673)
(77.28) 3,426.00 (12,121)
(99.41) 3,447.98 (15,591)
(121.67) 3,470.10 (19,084)
(144.08) 3,492.37 (22,599)
(166.64) 3,514.78 (26,136)
(189.33) 3,537.33 (29,696)
(212.18) 3,560.03 (33,279)
(235.17) 3,582.87 (36,885)
(258.30) 3,605.86 (40,514)
(281.59) 3,629.00 (44,166)
366,677.80
 Amortisation Table

Loan 400,000

Interest 8.10% BLR + 1.3%

Revised
Interest 7.70%
Tenure 20 years
Monthly
Instalment 3,371

Loan Loan O/S

Outstanding after
Month Beg of Month Instalment Instalment
0 400,000
1 402,700 3,371 399,329
2 402,025 3,371 398,654
3 401,345 3,371 397,974
4 400,661 3,371 397,290
5 399,972 3,371 396,601
6 399,278 3,371 395,907
7 398,580 3,371 395,209
8 397,877 3,371 394,506
9 397,169 3,371 393,798
10 396,456 3,371 393,086
11 395,739 3,371 392,368
12 395,017 3,371 391,646
13 394,290 3,371 390,919
14 393,558 3,371 390,187
15 392,821 3,371 389,450
16 392,079 3,371 388,708
17 391,332 3,371 387,961
18 390,580 3,371 387,209
19 389,823 3,371 386,452
20 389,061 3,371 385,690
21 388,293 3,371 384,923
22 387,521 3,371 384,150
23 386,615 3,371 383,245
24 385,704 3,371 382,333
25 324,786 3,371 321,416
26 323,478 3,371 320,107
27 322,161 3,371 318,791
28 320,836 3,371 317,466
29 319,503 3,371 316,132
30 318,160 3,371 314,790
31 316,810 3,371 313,439
32 315,450 3,371 312,079
33 314,082 3,371 310,711
34 312,705 3,371 309,334
35 311,319 3,371 307,948
36 309,924 3,371 306,554
37 308,521 3,371 305,150
38 307,108 3,371 303,737
39 305,686 3,371 302,316
40 304,256 3,371 300,885
41 302,816 3,371 299,445
42 301,366 3,371 297,996
43 299,908 3,371 296,537
44 298,440 3,371 295,069
45 296,963 3,371 293,592
46 295,476 3,371 292,105
47 293,979 3,371 290,609
48 292,473 3,371 289,103
49 290,958 3,371 287,587
50 289,432 3,371 286,062
51 287,897 3,371 284,527
52 286,352 3,371 282,982
53 284,797 3,371 281,427
54 283,233 3,371 279,862
55 281,658 3,371 278,287
56 280,073 3,371 276,702
57 278,477 3,371 275,107
58 276,872 3,371 273,501
59 275,256 3,371 271,886
60 273,630 3,371 270,259
61 271,994 3,371 268,623
62 270,347 3,371 266,976
63 268,689 3,371 265,318
64 267,021 3,371 263,650
65 265,342 3,371 261,971
66 263,652 3,371 260,281
67 261,952 3,371 258,581
68 260,240 3,371 256,869
69 258,518 3,371 255,147
70 256,784 3,371 253,413
71 255,039 3,371 251,669
72 253,284 3,371 249,913
73 251,517 3,371 248,146
74 249,738 3,371 246,367
75 247,948 3,371 244,578
76 246,147 3,371 242,776
77 244,334 3,371 240,963
78 242,510 3,371 239,139
79 240,673 3,371 237,303
80 238,825 3,371 235,455
 81 236,965 3,371 233,595
82 235,094 3,371 231,723
83 233,210 3,371 229,839
84 231,314 3,371 227,943
85 229,406 3,371 226,035
86 227,486 3,371 224,115
87 225,553 3,371 222,182
88 223,608 3,371 220,237
89 221,650 3,371 218,280
90 219,680 3,371 216,310
91 217,698 3,371 214,327
92 215,702 3,371 212,332
93 213,694 3,371 210,323
94 211,673 3,371 208,302
95 209,639 3,371 206,268
96 207,592 3,371 204,221
97 205,531 3,371 202,161
98 203,458 3,371 200,087
99 201,371 3,371 198,000
100 199,271 3,371 195,900
101 197,157 3,371 193,787
102 195,030 3,371 191,659
103 192,889 3,371 189,518
104 190,734 3,371 187,364
105 188,566 3,371 185,195
106 186,384 3,371 183,013
107 184,187 3,371 180,817
108 181,977 3,371 178,606
109 179,752 3,371 176,382
110 177,513 3,371 174,143
111 175,260 3,371 171,889
112 172,992 3,371 169,622
113 170,710 3,371 167,339
114 168,413 3,371 165,042
115 166,101 3,371 162,731
116 163,775 3,371 160,404
117 161,433 3,371 158,063
118 159,077 3,371 155,706
119 156,705 3,371 153,335
120 154,319 3,371 150,948
121 151,916 3,371 148,546
122 149,499 3,371 146,128
123 147,066 3,371 143,695
124 144,617 3,371 141,247
125 142,153 3,371 138,782
126 139,673 3,371 136,302
127 137,177 3,371 133,806
128 134,664 3,371 131,294
129 132,136 3,371 128,766
130 129,592 3,371 126,221
131 127,031 3,371 123,660
132 124,454 3,371 121,083
133 121,860 3,371 118,489
134 119,250 3,371 115,879
135 116,623 3,371 113,252
136 113,979 3,371 110,608
137 111,318 3,371 107,947
138 108,640 3,371 105,269
139 105,944 3,371 102,574
140 103,232 3,371 99,861
141 100,502 3,371 97,131
142 97,754 3,371 94,384
143 94,989 3,371 91,619
144 92,207 3,371 88,836
145 89,406 3,371 86,035
146 86,587 3,371 83,217
147 83,751 3,371 80,380
148 80,896 3,371 77,525
149 78,022 3,371 74,652
150 75,131 3,371 71,760
151 72,220 3,371 68,850
152 69,292 3,371 65,921
153 66,344 3,371 62,973
154 63,377 3,371 60,007
155 60,392 3,371 57,021
156 57,387 3,371 54,016
157 54,363 3,371 50,992
158 51,319 3,371 47,948
159 48,256 3,371 44,885
160 45,173 3,371 41,803
161 42,071 3,371 38,700
162 38,949 3,371 35,578
163 35,806 3,371 32,435
164 32,644 3,371 29,273
165 29,461 3,371 26,090
166 26,257 3,371 22,887
167 23,034 3,371 19,663
168 19,789 3,371 16,418
169 16,524 3,371 13,153
170 13,237 3,371 9,867
171 9,930 3,371 6,559
172 6,601 3,371 3,231
173 3,251 3,371 (119)
174 (120) 3,371 (3,491)
175 (3,513) 3,371 (6,884)
176 (6,928) 3,371 (10,299)
177 (10,365) 3,371 (13,735)
178 (13,824) 3,371 (17,194)
179 (17,305) 3,371 (20,675)
180 (20,808) 3,371 (24,179)
181 (24,334) 3,371 (27,704)
182 (27,882) 3,371 (31,253)
183 (31,453) 3,371 (34,824)
184 (35,048) 3,371 (38,418)
185 (38,665) 3,371 (42,036)
186 (42,305) 3,371 (45,676)
187 (45,969) 3,371 (49,340)
188 (49,656) 3,371 (53,027)
189 (53,367) 3,371 (56,738)
190 (57,102) 3,371 (60,473)
191 (60,861) 3,371 (64,231)
192 (64,644) 3,371 (68,014)
193 (68,451) 3,371 (71,821)
194 (72,282) 3,371 (75,653)
195 (76,138) 3,371 (79,509)
196 (80,019) 3,371 (83,390)
197 (83,925) 3,371 (87,296)
198 (87,856) 3,371 (91,227)
199 (91,812) 3,371 (95,183)
200 (95,793) 3,371 (99,164)
201 (99,800) 3,371 (103,171)
202 (103,833) 3,371 (107,204)
203 (107,892) 3,371 (111,262)
204 (111,976) 3,371 (115,347)
205 (116,087) 3,371 (119,458)
206 (120,224) 3,371 (123,595)
207 (124,388) 3,371 (127,759)
208 (128,579) 3,371 (131,949)
209 (132,796) 3,371 (136,167)
210 (137,041) 3,371 (140,411)
211 (141,312) 3,371 (144,683)
212 (145,611) 3,371 (148,982)
213 (149,938) 3,371 (153,309)
214 (154,292) 3,371 (157,663)
215 (158,675) 3,371 (162,045)
216 (163,085) 3,371 (166,456)
217 (167,524) 3,371 (170,895)
218 (171,991) 3,371 (175,362)
219 (176,487) 3,371 (179,858)
220 (181,012) 3,371 (184,383)
221 (185,566) 3,371 (188,937)
222 (190,149) 3,371 (193,520)
223 (194,761) 3,371 (198,132)
224 (199,403) 3,371 (202,774)
225 (204,075) 3,371 (207,446)
226 (208,777) 3,371 (212,148)
227 (213,509) 3,371 (216,880)
228 (218,271) 3,371 (221,642)
229 (223,064) 3,371 (226,435)
230 (227,888) 3,371 (231,259)
231 (232,743) 3,371 (236,113)
232 (237,628) 3,371 (240,999)
233 (242,545) 3,371 (245,916)
234 (247,494) 3,371 (250,865)
235 (252,474) 3,371 (255,845)
236 (257,487) 3,371 (260,858)
237 (262,531) 3,371 (265,902)
238 (267,608) 3,371 (270,979)
239 (272,718) 3,371 (276,088)
240 (277,860) 3,371 (281,231)
p.a. monthly
rests

Loan
Outstanding
Interest Principal End of Month
2,700.00 402,700
2,695.47 670.70 402,025
2,690.92 675.22 401,345
2,686.33 679.78 400,661
2,681.71 684.37 399,972
2,677.06 688.99 399,278
2,672.37 693.64 398,580
2,667.66 698.32 397,877
2,662.92 703.04 397,169
2,658.14 707.78 396,456
2,653.33 712.56 395,739
2,648.49 717.37 395,017
2,643.61 722.21 394,290
2,638.70 727.09 393,558
2,633.76 731.99 392,821
2,628.79 736.94 392,079
2,623.78 741.91 391,332
2,618.74 746.92 390,580
2,613.66 751.96 389,823
2,608.55 757.04 389,061
2,603.41 762.15 388,293
2,598.23 767.29 387,521
2,464.96 772.47 386,615
2,459.15 905.73 385,704
2,453.30 911.54 384,786
2,062.42 917.39 323,478
2,054.02 1,308.28 322,161
2,045.57 1,316.68 320,836
2,037.07 1,325.12 319,503
2,028.51 1,333.63 318,160
2,019.90 1,342.18 316,810
2,011.23 1,350.80 315,450
2,002.51 1,359.46 314,082
1,993.73 1,368.19 312,705
1,984.90 1,376.97 311,319
1,976.00 1,385.80 309,924
1,967.05 1,394.69 308,521
1,958.05 1,403.64 307,108
1,948.98 1,412.65 305,686
1,939.86 1,421.72 304,256
1,930.68 1,430.84 302,816
1,921.44 1,440.02 301,366
1,912.14 1,449.26 299,908
1,902.78 1,458.56 298,440
1,893.36 1,467.92 296,963
1,883.88 1,477.34 295,476
1,874.34 1,486.82 293,979
1,864.74 1,496.36 292,473
1,855.08 1,505.96 290,958
1,845.35 1,515.62 289,432
1,835.56 1,525.35 287,897
1,825.71 1,535.13 286,352
1,815.80 1,544.98 284,797
1,805.82 1,554.90 283,233
1,795.78 1,564.88 281,658
1,785.67 1,574.92 280,073
1,775.50 1,585.02 278,477
1,765.27 1,595.19 276,872
1,754.97 1,605.43 275,256
1,744.60 1,615.73 273,630
1,734.16 1,626.10 271,994
1,723.66 1,636.53 270,347
1,713.10 1,647.03 268,689
1,702.46 1,657.60 267,021
1,691.75 1,668.24 265,342
1,680.98 1,678.94 263,652
1,670.14 1,689.72 261,952
1,659.23 1,700.56 260,240
1,648.25 1,711.47 258,518
1,637.19 1,722.45 256,784
1,626.07 1,733.50 255,039
1,614.87 1,744.63 253,284
1,603.61 1,755.82 251,517
1,592.27 1,767.09 249,738
1,580.86 1,778.43 247,948
1,569.37 1,789.84 246,147
1,557.81 1,801.32 244,334
1,546.18 1,812.88 242,510
1,534.47 1,824.52 240,673
1,522.69 1,836.22 238,825
1,510.83 1,848.01 236,965
1,498.90 1,859.86 235,094
1,486.89 1,871.80 233,210
1,474.80 1,883.81 231,314
1,462.64 1,895.90 229,406
1,450.39 1,908.06 227,486
1,438.07 1,920.30 225,553
1,425.67 1,932.63 223,608
1,413.19 1,945.03 221,650
1,400.63 1,957.51 219,680
1,387.99 1,970.07 217,698
1,375.26 1,982.71 215,702
1,362.46 1,995.43 213,694
1,349.57 2,008.24 211,673
1,336.61 2,021.12 209,639
1,323.55 2,034.09 207,592
1,310.42 2,047.14 205,531
1,297.20 2,060.28 203,458
1,283.89 2,073.50 201,371
1,270.50 2,086.80 199,271
1,257.03 2,100.19 197,157
1,243.46 2,113.67 195,030
1,229.81 2,127.23 192,889
1,216.08 2,140.88 190,734
1,202.25 2,154.62 188,566
1,188.34 2,168.45 186,384
1,174.33 2,182.36 184,187
1,160.24 2,196.36 181,977
1,146.06 2,210.46 179,752
1,131.78 2,224.64 177,513
1,117.41 2,238.92 175,260
1,102.96 2,253.28 172,992
1,088.41 2,267.74 170,710
1,073.76 2,282.29 168,413
1,059.02 2,296.94 166,101
1,044.19 2,311.68 163,775
1,029.26 2,326.51 161,433
1,014.24 2,341.44 159,077
999.12 2,356.46 156,705
983.90 2,371.58 154,319
968.58 2,386.80 151,916
953.17 2,402.12 149,499
937.66 2,417.53 147,066
922.04 2,433.04 144,617
906.33 2,448.65 142,153
890.52 2,464.37 139,673
874.60 2,480.18 137,177
858.59 2,496.09 134,664
842.47 2,512.11 132,136
826.25 2,528.23 129,592
809.92 2,544.45 127,031
793.49 2,560.78 124,454
776.95 2,577.21 121,860
760.31 2,593.75 119,250
743.56 2,610.39 116,623
726.70 2,627.14 113,979
709.73 2,644.00 111,318
692.66 2,660.96 108,640
675.48 2,678.04 105,944
658.18 2,695.22 103,232
640.78 2,712.52 100,502
623.26 2,729.92 97,754
605.63 2,747.44 94,989
587.89 2,765.07 92,207
570.03 2,782.81 89,406
552.06 2,800.67 86,587
533.97 2,818.64 83,751
515.77 2,836.72 80,896
497.45 2,854.93 78,022
479.01 2,873.25 75,131
460.46 2,891.68 72,220
441.79 2,910.24 69,292
422.99 2,928.91 66,344
404.08 2,947.71 63,377
385.04 2,966.62 60,392
365.88 2,985.66 57,387
346.60 3,004.81 54,363
327.20 3,024.09 51,319
307.67 3,043.50 48,256
288.01 3,063.03 45,173
268.23 3,082.68 42,071
248.33 3,102.46 38,949
228.29 3,122.37 35,806
208.13 3,142.41 32,644
187.83 3,162.57 29,461
167.41 3,182.86 26,257
146.86 3,203.29 23,034
126.17 3,223.84 19,789
105.35 3,244.53 16,524
84.40 3,265.35 13,237
63.31 3,286.30 9,930
42.09 3,307.39 6,601
20.73 3,328.61 3,251
(0.76) 3,349.97 (120)
(22.40) 3,371.46 (3,513)
(44.17) 3,393.10 (6,928)
(66.08) 3,414.87 (10,365)
 (88.14) 3,436.78 (13,824)
(110.33) 3,458.83 (17,305)
(132.67) 3,481.03 (20,808)
(155.15) 3,503.36 (24,334)
(177.77) 3,525.84 (27,882)
(200.54) 3,548.47 (31,453)
(223.46) 3,571.24 (35,048)
(246.52) 3,594.15 (38,665)
(269.73) 3,617.21 (42,305)
(293.09) 3,640.43 (45,969)
(316.60) 3,663.78 (49,656)
(340.26) 3,687.29 (53,367)
(364.07) 3,710.95 (57,102)
(388.03) 3,734.77 (60,861)
(412.15) 3,758.73 (64,644)
(436.43) 3,782.85 (68,451)
(460.85) 3,807.12 (72,282)
(485.44) 3,831.55 (76,138)
(510.18) 3,856.14 (80,019)
(535.09) 3,880.88 (83,925)
(560.15) 3,905.78 (87,856)
(585.37) 3,930.85 (91,812)
(610.76) 3,956.07 (95,793)
(636.30) 3,981.45 (99,800)
(662.02) 4,007.00 (103,833)
(687.89) 4,032.71 (107,892)
(713.93) 4,058.59 (111,976)
(740.14) 4,084.63 (116,087)
(766.52) 4,110.84 (120,224)
(793.07) 4,137.22 (124,388)
(819.79) 4,163.77 (128,579)
(846.68) 4,190.48 (132,796)
 (873.74) 4,217.37 (137,041)
(900.97) 4,244.43 (141,312)
(928.38) 4,271.67 (145,611)
(955.97) 4,299.08 (149,938)
(983.73) 4,326.67 (154,292)
(1,011.67) 4,354.43 (158,675)
(1,039.79) 4,382.37 (163,085)
(1,068.09) 4,410.49 (167,524)
(1,096.57) 4,438.79 (171,991)
(1,125.24) 4,467.27 (176,487)
(1,154.09) 4,495.94 (181,012)
(1,183.12) 4,524.79 (185,566)
(1,212.34) 4,553.82 (190,149)
(1,241.75) 4,583.04 (194,761)
(1,271.35) 4,612.45 (199,403)
(1,301.13) 4,642.04 (204,075)
(1,331.11) 4,671.83 (208,777)
(1,361.28) 4,701.81 (213,509)
(1,391.64) 4,731.98 (218,271)
(1,422.20) 4,762.34 (223,064)
(1,452.96) 4,792.90 (227,888)
(1,483.91) 4,823.65 (232,743)
(1,515.06) 4,854.61 (237,628)
(1,546.41) 4,885.76 (242,545)
(1,577.96) 4,917.11 (247,494)
(1,609.72) 4,948.66 (252,474)
(1,641.67) 4,980.41 (257,487)
(1,673.84) 5,012.37 (262,531)
(1,706.20) 5,044.53 (267,608)
(1,738.78) 5,076.90 (272,718)
(1,771.57) 5,109.48 (277,860)
(1,804.56) 5,142.26 (283,035)
208,268.59
Intere
Credit
st Card
Charg
es 1.5000%

Fresh
Month Charges Outstanding Total Outstanding Interest
1 1,000 23,000 24,000 360
2 1,000 19,488 20,488 307
3 1,000 16,636 17,636 265
4 1,000 14,321 15,321 230
5 1,000 12,440 13,440 202
6 1,000 10,914 11,914 179
7 1,000 9,674 10,674 160
8 1,000 8,667 9,667 145
9 1,000 7,850 8,850 133
10 1,000 7,186 8,186 123
11 1,000 6,647 7,647 115
12 1,000 6,209 7,209 108
13 - 5,854 5,854 88
14 - 4,753 4,753 71
15 - 3,860 3,860 58
16 - 3,134 3,134 47
17 - 2,545 2,545 38
18 - 2,066 2,066 31
19 - 1,678 1,678 25
20 - 1,363 1,363 20
21 - 1,106 1,106 17
22 - 898 898 13
23 - 729 729 11
24 - 592 592 9
25 - 481 481 7
26 - 391 391 6
27 - 317 317 5
28 - 258 258 4
29 - 209 209 3
30 - 170 170 3
31 - 138 138 2
32 - 112 112 2
33 - 91 91 1
34 - 74 74 1
35 - 60 60 1
36 2,789

Ratio
 Total O/S Outstanding End
Principal Plus Int Repayment of Month
4,512 24,360 4,872 19,488
3,852 20,795 4,159 16,636
3,316 17,901 3,580 14,321
2,880 15,550 3,110 12,440
2,527 13,642 2,728 10,914
2,240 12,092 2,418 9,674
2,007 10,834 2,167 8,667
1,817 9,812 1,962 7,850
1,664 8,982 1,796 7,186
1,539 8,309 1,662 6,647
1,438 7,762 1,552 6,209
1,355 7,318 1,464 5,854
1,101 5,942 1,188 4,753
894 4,825 965 3,860
726 3,918 784 3,134
589 3,181 636 2,545
478 2,583 517 2,066
389 2,097 419 1,678
315 1,703 341 1,363
256 1,383 277 1,106
208 1,123 225 898
169 912 182 729
137 740 148 592
111 601 120 481
90 488 98 391
73 396 79 317
60 322 64 258
 48 261 52 209
39 212 42 170
32 172 34 138
26 140 28 112
21 114 23 91
17 92 18 74
14 75 15 60
11 61 12 49
34,951

7.9787%
Cash Flow
Statement

Income/In Flow Current Revised

Salary 144,000 144,000

Less
Tax (18,860) (18,860)
EPF (15,840) (15,840)
Subtotal (34,700) (34,700)

Total 109,300 109,300

Expenses/ Out Flow

Mortgage 40,452 40,452
Car Loan 30,432 30,432
Household 6,696 6,696
Miscellaneous 43,720 21,860
Net Savings/ (Deficit) (12,000) 9,860

Total 109,300 109,300

Revised with Salary
Increment

177,000 177,000

(26,780) ###
(19,470) (19,470)
(46,250) (46,250)

130,750 130,750

40,452 40,452
30,432 30,432
19,566 7,000
52,300 26,150
(12,000) 26,716

130,750 ###
Net Worth Statement

One Year from Now

Do Do
Assets Current
Nothing Something
Liquid
Fixed Deposits 2,000 2,070 5,786
CASA 5,000 5,000 5,000
Subtotal 7,000 7,070 10,786

Non-Liquid
House 561,800 595,500 595,500
Car 145,000 116,000 116,000
EPF Account 200,000 245,942 253,949
Subtotal 906,800 957,442 965,449
Total 913,800 964,512 976,235

Do Do
Current
Liabilities Nothing Something
Mortgage 382,333 370,927 370,927
Car Loan 182,571 152,143 152,143
Credit Card 23,000 23,000 -
Total 587,904 546,070 523,070

Net Worth 325,896 418,442 453,165

Note:-
1) Assumed that the house was purchased based on 80% loan thus th
purchase price was RM500,000
2) The property was bought 2 years ago and appreciation is at 6% p.a
Actions Taken (Do Something)
1) Reduce 50% of the miscellaneous spending which was sheer wasta
2) Settle credit card debts of RM23,000
3) Long Term, you need to consider the following:-
a) Use your EPF account 2 to do a capital reduction for your housing l
outstanding. This will reduce your debts and if you continue to pay th
instalments amount, your loan tenure will be shorten.
b) Your housing loan interest rate of 7.7% pa monthly rests is high. Yo
should refinance your housing loan and currently you get get interest
as 4.5% p.a. monthly rests. You need to evaluate the refinancing cost
as exit penalty, early prepayment cost, legal cost, ...etc.
ed on 80% loan thus the

ppreciation is at 6% p.a.
which was sheer wastage.

ng:-
tion for your housing loan
you continue to pay the
orten.
onthly rests is high. You
y you get get interest as low
te the refinancing costs such
st, ...etc.
Retirement Funding

Now
40

EPF
4.5 million

Cash Reserve 100,000

Surplus 12,000 p.m.

4(b) (i) Interest 8%

FV 3,300,000
End Mode N 15 years
PV 70,000
PMT (8,868)

(ii) (iii)
4(b) FV 3,300,000 ###
N 15 ###
PMT 7,200 3,600
PV 70,000 ###
I 0.8344% 1.3067%
Annualised 10.01% 15.68%
Retired
55
7.8 million
Cash
3.3 million
Car Loan Repayment

Loan 150,000
Interest 6.00% p.a. flat
Tenure 7 years

Total Int 63,000

Total Loan + Interest 213,000
Monthly Instalments 2,535.71
I 0.8820%
Annualised Rate 10.5845%

One year payment 30,429

Loan O/S now 182,571
2 years payments 60,857
Loan O/S (after 2 years 152,143
 No of Months Redemption
loan O/S Rebate
Paid Remainder Sum
12 72 182,571 46,376.47 136,194.53
24 60
 Monthly
I Annualised
Instalment
2,535.71 0.8486% 10.18%
Tax Assessment

Current
Salary 144,000 177000

Aggregate Income 144,000 177,000

Total Income 144,000 177,000

Relief
Personal (9,000) ###
EPF (6,000) ###
Total (15,000) (15,000)

Chargeable Income 129,000 162,000

Ist 100K @24% 11,900 23,900 1st 150K
6,960 2,880
Tax Payable 18,860 26,780