S

Find de accumulated value of an ordinary simple annuity of $3000 per year for 7 annual payments
years, if money is worth (a) j1=8%, (b) j1=10’75%, (c) j1=17’29%. n
a) 26,768.41 €
b) 29,125.07 €
c) 35,633.96 €

Lucy deposits $100 every 3 months into a saving account that pays interest at j4=6%.
If she makes her first deposit on July 1, 1993, find her total savings just after she
makes her deposit in January 1996.
1,318.08 €

How much money do I have to pay every month if I want to payback a debt of
5.000€ in 5 years at J1=3%?
-89.84 €

How many months do I have to pay 100€ to payback a loan of 2.000€ at J12=1%?
22.425741878

1984
1985-2004
A man wants to accumulate a $200 000 retirement fund. He plans to make the first
deposit on March 1, 1984, and the last on September 1, 2005. Find the size of each
deposit, if he makes the deposits (a) semiannually in a fund that pays 12’5% per
annum compounded semiannually; (b) monthly in a fund that pays 12’5% per annum
compounded monthly. 2005
a) -955.14 € TOTAL
b) -148.03 € Semi-annual

John wants to accumulate $5000 in a fund at the end of 2 years. He deposits $150 at
the end of each month during the first year, and $150+X at the end of each month of
the following year. Find X if j12=12%

fv 5000 Payment 150 -1,902.38 € 75.22 €

Time 2 12% 1% -225.22 €

How much money is needed now (discounting) to provide for $6000 at the end of
each half-year(first payment one half-year from now) for 4 years, if money is worth
(a) j2=8%? (b) j2=12%? (c) j2=16%?
nual payments
7

months
10
228 1985 2004 19

8
262 3/1/1984 12/1/2005
43.63333333 9/1/2005 7854
262
 Mr. Roberts borrows $15 000 to be repaid with monthly payments over 10 years at
j12=9%. Determine the monthly payment required and the outstanding balance of the
loan after 3 years (36 payments) and split the 37th payment into principal and interest.​

n 120 PV 15000
J12 9% i12 0.75%
Outstanding
Periods Date Annuity r Principal
Balance

0 12/30/2022 15000

1 1/31/2023 -190.01 € 112.5 -77.51 € 14,922.49 €

2 2/28/2023 -190.01 € 111.9186475 -78.10 € 14,844.39 €
3 3/31/2023 -190.01 € 111.3329349 -78.68 € 14,765.71 €
4 4/30/2023 -190.01 € 110.74 € -79.27 € 14,686.44 €
5 5/31/2023 -190.01 € 110.1482983 -79.87 € 14,606.57 €
6 6/30/2023 -190.01 € 109.5493081 -80.46 € 14,526.11 €
7 7/31/2023 -190.01 € 108.9458254 -81.07 € 14,445.04 €
8 8/31/2023 -190.01 € 108.3378166 -81.68 € 14,363.37 €
9 9/30/2023 -190.01 € 107.7252478 -82.29 € 14,281.08 €
10 10/31/2023 -190.01 € 107.1080847 -82.91 € 14,198.17 €
11 11/30/2023 -190.01 € 106.4862929 -83.53 € 14,114.65 €
12 12/31/2023 -190.01 € 105.8598376 -84.15 € 14,030.49 €
13 1/31/2024 -190.01 € 105.228684 -84.78 € 13,945.71 €
14 2/29/2024 -190.01 € 104.5927966 -85.42 € 13,860.29 €
15 3/31/2024 -190.01 € 103.9521402 -86.06 € 13,774.22 €
16 4/30/2024 -190.01 € 103.3066788 -86.71 € 13,687.52 €
17 5/31/2024 -190.01 € 102.6563764 -87.36 € 13,600.16 €
18 6/30/2024 -190.01 € 102.0011968 -88.01 € 13,512.15 €
19 7/31/2024 -190.01 € 101.3411033 -88.67 € 13,423.47 €
20 8/31/2024 -190.01 € 100.6760591 -89.34 € 13,334.14 €
21 9/30/2024 -190.01 € 100.0060271 -90.01 € 13,244.13 €
22 10/31/2024 -190.01 € 99.33096984 -90.68 € 13,153.45 €
23 11/30/2024 -190.01 € 98.65084966 -91.36 € 13,062.08 €
24 12/31/2024 -190.01 € 97.96562858 -92.05 € 12,970.04 €
25 1/31/2025 -190.01 € 97.27526834 -92.74 € 12,877.30 €
26 2/28/2025 -190.01 € 96.5797304 -93.43 € 12,783.86 €
27 3/31/2025 -190.01 € 95.87897592 -94.13 € 12,689.73 €
28 4/30/2025 -190.01 € 95.17296579 -94.84 € 12,594.89 €
29 5/31/2025 -190.01 € 94.46166058 -95.55 € 12,499.34 €
30 6/30/2025 -190.01 € 93.74502057 -96.27 € 12,403.07 €
31 7/31/2025 -190.01 € 93.02300577 -96.99 € 12,306.08 €
32 8/31/2025 -190.01 € 92.29557586 -97.72 € 12,208.36 €
33 9/30/2025 -190.01 € 91.56269023 -98.45 € 12,109.91 €
34 10/31/2025 -190.01 € 90.82430795 -99.19 € 12,010.72 €
35 11/30/2025 -190.01 € 90.0803878 -99.93 € 11,910.79 €
36 12/31/2025 -190.01 € 89.33088826 -100.68 € 11,810.10 €
37 1/31/2026 -190.01 € 88.57576747 -101.44 € 11,708.66 €
38 2/28/2026 -190.01 € 87.81498327 -102.20 € 11,606.47 €
39 3/31/2026 -190.01 € 87.04849319 -102.97 € 11,503.50 €
40 4/30/2026 -190.01 € 86.27625443 -103.74 € 11,399.76 €
41 5/31/2026 -190.01 € 85.49822388 -104.52 € 11,295.25 €
42 6/30/2026 -190.01 € 84.71435811 -105.30 € 11,189.95 €
43 7/31/2026 -190.01 € 83.92461334 -106.09 € 11,083.86 €
44 8/31/2026 -190.01 € 83.12894548 -106.88 € 10,976.97 €
45 9/30/2026 -190.01 € 82.32731012 -107.69 € 10,869.29 €
46 10/31/2026 -190.01 € 81.51966249 -108.49 € 10,760.79 €
47 11/30/2026 -190.01 € 80.70595751 -109.31 € 10,651.49 €
48 12/31/2026 -190.01 € 79.88614973 -110.13 € 10,541.36 €
49 1/31/2027 -190.01 € 79.0601934 -110.95 € 10,430.41 €
50 2/28/2027 -190.01 € 78.2280424 -111.79 € 10,318.62 €
51 3/31/2027 -190.01 € 77.38965026 -112.62 € 10,206.00 €
52 4/30/2027 -190.01 € 76.54497018 -113.47 € 10,092.53 €
53 5/31/2027 -190.01 € 75.693955 -114.32 € 9,978.21 €
54 6/30/2027 -190.01 € 74.83655721 -115.18 € 9,863.03 €
55 7/31/2027 -190.01 € 73.97272894 -116.04 € 9,746.99 €
56 8/31/2027 -190.01 € 73.10242195 -116.91 € 9,630.08 €
57 9/30/2027 -190.01 € 72.22558766 -117.79 € 9,512.29 €
58 10/31/2027 -190.01 € 71.34217711 -118.67 € 9,393.62 €
59 11/30/2027 -190.01 € 70.45214099 -119.56 € 9,274.06 €
60 12/31/2027 -190.01 € 69.55542959 -120.46 € 9,153.60 €
61 1/31/2028 -190.01 € 68.65199286 -121.36 € 9,032.24 €
62 2/29/2028 -190.01 € 67.74178035 -122.27 € 8,909.97 €
63 3/31/2028 -190.01 € 66.82474125 -123.19 € 8,786.78 €
64 4/30/2028 -190.01 € 65.90082435 -124.11 € 8,662.66 €
65 5/31/2028 -190.01 € 64.96997808 -125.04 € 8,537.62 €
66 6/30/2028 -190.01 € 64.03215046 -125.98 € 8,411.64 €
67 7/31/2028 -190.01 € 63.08728913 -126.93 € 8,284.71 €
68 8/31/2028 -190.01 € 62.13534135 -127.88 € 8,156.83 €
69 9/30/2028 -190.01 € 61.17625395 -128.84 € 8,028.00 €
70 10/31/2028 -190.01 € 60.2099734 -129.80 € 7,898.19 €
71 11/30/2028 -190.01 € 59.23644575 -130.78 € 7,767.42 €
72 12/31/2028 -190.01 € 58.25561664 -131.76 € 7,635.66 €
73 1/31/2029 -190.01 € 57.26743131 -132.75 € 7,502.91 €
74 2/28/2029 -190.01 € 56.27183459 -133.74 € 7,369.17 €
75 3/31/2029 -190.01 € 55.26877089 -134.74 € 7,234.42 €
76 4/30/2029 -190.01 € 54.25818422 -135.76 € 7,098.67 €
 77 5/31/2029 -190.01 € 53.24001814 -136.77 € 6,961.90 €
78 6/30/2029 -190.01 € 52.21421583 -137.80 € 6,824.10 €
79 7/31/2029 -190.01 € 51.18071999 -138.83 € 6,685.26 €
80 8/31/2029 -190.01 € 50.13947294 -139.87 € 6,545.39 €
81 9/30/2029 -190.01 € 49.09041653 -140.92 € 6,404.47 €
82 10/31/2029 -190.01 € 48.0334922 -141.98 € 6,262.49 €
83 11/30/2029 -190.01 € 46.96864093 -143.05 € 6,119.44 €
84 12/31/2029 -190.01 € 45.89580329 -144.12 € 5,975.32 €
85 1/31/2030 -190.01 € 44.81491936 -145.20 € 5,830.12 €
86 2/28/2030 -190.01 € 43.7259288 -146.29 € 5,683.84 €
87 3/31/2030 -190.01 € 42.62877081 -147.38 € 5,536.45 €
88 4/30/2030 -190.01 € 41.52338413 -148.49 € 5,387.96 €
89 5/31/2030 -190.01 € 40.40970706 -149.60 € 5,238.36 €
90 6/30/2030 -190.01 € 39.28767741 -150.73 € 5,087.63 €
91 7/31/2030 -190.01 € 38.15723253 -151.86 € 4,935.77 €
92 8/31/2030 -190.01 € 37.01830932 -153.00 € 4,782.78 €
93 9/30/2030 -190.01 € 35.87084419 -154.14 € 4,628.64 €
94 10/31/2030 -190.01 € 34.71477307 -155.30 € 4,473.34 €
95 11/30/2030 -190.01 € 33.55003141 -156.46 € 4,316.87 €
96 12/31/2030 -190.01 € 32.37655419 -157.64 € 4,159.24 €
97 1/31/2031 -190.01 € 31.19427589 -158.82 € 4,000.42 €
98 2/28/2031 -190.01 € 30.00313051 -160.01 € 3,840.41 €
99 3/31/2031 -190.01 € 28.80305153 -161.21 € 3,679.20 €
100 4/30/2031 -190.01 € 27.59397196 -162.42 € 3,516.78 €
101 5/31/2031 -190.01 € 26.3758243 -163.64 € 3,353.14 €
102 6/30/2031 -190.01 € 25.14854052 -164.87 € 3,188.27 €
103 7/31/2031 -190.01 € 23.91205212 -166.10 € 3,022.17 €
104 8/31/2031 -190.01 € 22.66629006 -167.35 € 2,854.82 €
105 9/30/2031 -190.01 € 21.41118478 -168.60 € 2,686.22 €
106 10/31/2031 -190.01 € 20.14666621 -169.87 € 2,516.36 €
107 11/30/2031 -190.01 € 18.87266375 -171.14 € 2,345.21 €
108 12/31/2031 -190.01 € 17.58910628 -172.42 € 2,172.79 €
109 1/31/2032 -190.01 € 16.29592212 -173.72 € 1,999.07 €
110 2/29/2032 -190.01 € 14.99303908 -175.02 € 1,824.05 €
111 3/31/2032 -190.01 € 13.68038442 -176.33 € 1,647.72 €
112 4/30/2032 -190.01 € 12.35788485 -177.66 € 1,470.06 €
113 5/31/2032 -190.01 € 11.02546653 -178.99 € 1,291.07 €
114 6/30/2032 -190.01 € 9.683055074 -180.33 € 1,110.74 €
115 7/31/2032 -190.01 € 8.330575532 -181.68 € 929.06 €
116 8/31/2032 -190.01 € 6.967952394 -183.05 € 746.01 €
117 9/30/2032 -190.01 € 5.595109582 -184.42 € 561.60 €
118 10/31/2032 -190.01 € 4.211970449 -185.80 € 375.79 €
119 11/30/2032 -190.01 € 2.818457773 -187.20 € 188.60 €
120 12/31/2032 -190.01 € 1.414493752 -188.60 € -0.00 €
PV 15000 J12 9%
n 120 i12 0.75%
Outstanding
Periods Date Annuity r Principal
Balance

0 12/31/2022 15000

1 1/31/2023 -190.01 € -112.50 € -77.51 € 14,922.49 €

2 2/28/2023 -190.01 € -111.92 € -78.10 € 14,844.39 €
3 3/31/2023 -190.01 € -111.33 € -78.68 € 14,765.71 €
4 4/30/2023 -190.01 € -110.74 € -79.27 € 14,686.44 €
5 5/31/2023 -190.01 € -110.15 € -79.87 € 14,606.57 €
6 6/30/2023 -190.01 € -109.55 € -80.46 € 14,526.11 €
7 7/31/2023 -190.01 € -108.95 € -81.07 € 14,445.04 €
8 8/31/2023 -190.01 € -108.34 € -81.68 € 14,363.37 €
9 9/30/2023 -190.01 € -107.73 € -82.29 € 14,281.08 €
10 10/31/2023 -190.01 € -107.11 € -82.91 € 14,198.17 €
11 11/30/2023 -190.01 € -106.49 € -83.53 € 14,114.65 €
12 12/31/2023 -190.01 € -105.86 € -84.15 € 14,030.49 €
13 1/31/2024 -190.01 € -105.23 € -84.78 € 13,945.71 €
14 2/29/2024 -190.01 € -104.59 € -85.42 € 13,860.29 €
15 3/31/2024 -190.01 € -103.95 € -86.06 € 13,774.22 €
16 4/30/2024 -190.01 € -103.31 € -86.71 € 13,687.52 €
17 5/31/2024 -190.01 € -102.66 € -87.36 € 13,600.16 €
18 6/30/2024 -190.01 € -102.00 € -88.01 € 13,512.15 €
19 7/31/2024 -190.01 € -101.34 € -88.67 € 13,423.47 €
20 8/31/2024 -190.01 € -100.68 € -89.34 € 13,334.14 €
21 9/30/2024 -190.01 € -100.01 € -90.01 € 13,244.13 €
22 10/31/2024 -190.01 € -99.33 € -90.68 € 13,153.45 €
23 11/30/2024 -190.01 € -98.65 € -91.36 € 13,062.08 €
24 12/31/2024 -190.01 € -97.97 € -92.05 € 12,970.04 €
25 1/31/2025 -190.01 € -97.28 € -92.74 € 12,877.30 €
26 2/28/2025 -190.01 € -96.58 € -93.43 € 12,783.86 €
27 3/31/2025 -190.01 € -95.88 € -94.13 € 12,689.73 €
28 4/30/2025 -190.01 € -95.17 € -94.84 € 12,594.89 €
29 5/31/2025 -190.01 € -94.46 € -95.55 € 12,499.34 €
30 6/30/2025 -190.01 € -93.75 € -96.27 € 12,403.07 €
31 7/31/2025 -190.01 € -93.02 € -96.99 € 12,306.08 €
32 8/31/2025 -190.01 € -92.30 € -97.72 € 12,208.36 €
33 9/30/2025 -190.01 € -91.56 € -98.45 € 12,109.91 €
34 10/31/2025 -190.01 € -90.82 € -99.19 € 12,010.72 €
35 11/30/2025 -190.01 € -90.08 € -99.93 € 11,910.79 €
36 12/31/2025 -190.01 € -89.33 € -100.68 € 11,810.10 €
37 1/31/2026 -190.01 € -88.58 € -101.44 € 11,708.66 €
38 2/28/2026 -190.01 € -87.81 € -102.20 € 11,606.47 €
39 3/31/2026 -190.01 € -87.05 € -102.97 € 11,503.50 €
40 4/30/2026 -190.01 € -86.28 € -103.74 € 11,399.76 €
41 5/31/2026 -190.01 € -85.50 € -104.52 € 11,295.25 €
42 6/30/2026 -190.01 € -84.71 € -105.30 € 11,189.95 €
43 7/31/2026 -190.01 € -83.92 € -106.09 € 11,083.86 €
44 8/31/2026 -190.01 € -83.13 € -106.88 € 10,976.97 €
45 9/30/2026 -190.01 € -82.33 € -107.69 € 10,869.29 €
46 10/31/2026 -190.01 € -81.52 € -108.49 € 10,760.79 €
47 11/30/2026 -190.01 € -80.71 € -109.31 € 10,651.49 €
48 12/31/2026 -190.01 € -79.89 € -110.13 € 10,541.36 €
49 1/31/2027 -190.01 € -79.06 € -110.95 € 10,430.41 €
50 2/28/2027 -190.01 € -78.23 € -111.79 € 10,318.62 €
51 3/31/2027 -190.01 € -77.39 € -112.62 € 10,206.00 €
52 4/30/2027 -190.01 € -76.54 € -113.47 € 10,092.53 €
53 5/31/2027 -190.01 € -75.69 € -114.32 € 9,978.21 €
54 6/30/2027 -190.01 € -74.84 € -115.18 € 9,863.03 €
55 7/31/2027 -190.01 € -73.97 € -116.04 € 9,746.99 €
56 8/31/2027 -190.01 € -73.10 € -116.91 € 9,630.08 €
57 9/30/2027 -190.01 € -72.23 € -117.79 € 9,512.29 €
58 10/31/2027 -190.01 € -71.34 € -118.67 € 9,393.62 €
59 11/30/2027 -190.01 € -70.45 € -119.56 € 9,274.06 €
60 12/31/2027 -190.01 € -69.56 € -120.46 € 9,153.60 €
61 1/31/2028 -190.01 € -68.65 € -121.36 € 9,032.24 €
62 2/29/2028 -190.01 € -67.74 € -122.27 € 8,909.97 €
63 3/31/2028 -190.01 € -66.82 € -123.19 € 8,786.78 €
64 4/30/2028 -190.01 € -65.90 € -124.11 € 8,662.66 €
65 5/31/2028 -190.01 € -64.97 € -125.04 € 8,537.62 €
66 6/30/2028 -190.01 € -64.03 € -125.98 € 8,411.64 €
67 7/31/2028 -190.01 € -63.09 € -126.93 € 8,284.71 €
68 8/31/2028 -190.01 € -62.14 € -127.88 € 8,156.83 €
69 9/30/2028 -190.01 € -61.18 € -128.84 € 8,028.00 €
70 10/31/2028 -190.01 € -60.21 € -129.80 € 7,898.19 €
71 11/30/2028 -190.01 € -59.24 € -130.78 € 7,767.42 €
72 12/31/2028 -190.01 € -58.26 € -131.76 € 7,635.66 €
73 1/31/2029 -190.01 € -57.27 € -132.75 € 7,502.91 €
74 2/28/2029 -190.01 € -56.27 € -133.74 € 7,369.17 €
75 3/31/2029 -190.01 € -55.27 € -134.74 € 7,234.42 €
76 4/30/2029 -190.01 € -54.26 € -135.76 € 7,098.67 €
 77 5/31/2029 -190.01 € -53.24 € -136.77 € 6,961.90 €
78 6/30/2029 -190.01 € -52.21 € -137.80 € 6,824.10 €
79 7/31/2029 -190.01 € -51.18 € -138.83 € 6,685.26 €
80 8/31/2029 -190.01 € -50.14 € -139.87 € 6,545.39 €
81 9/30/2029 -190.01 € -49.09 € -140.92 € 6,404.47 €
82 10/31/2029 -190.01 € -48.03 € -141.98 € 6,262.49 €
83 11/30/2029 -190.01 € -46.97 € -143.05 € 6,119.44 €
84 12/31/2029 -190.01 € -45.90 € -144.12 € 5,975.32 €
85 1/31/2030 -190.01 € -44.81 € -145.20 € 5,830.12 €
86 2/28/2030 -190.01 € -43.73 € -146.29 € 5,683.84 €
87 3/31/2030 -190.01 € -42.63 € -147.38 € 5,536.45 €
88 4/30/2030 -190.01 € -41.52 € -148.49 € 5,387.96 €
89 5/31/2030 -190.01 € -40.41 € -149.60 € 5,238.36 €
90 6/30/2030 -190.01 € -39.29 € -150.73 € 5,087.63 €
91 7/31/2030 -190.01 € -38.16 € -151.86 € 4,935.77 €
92 8/31/2030 -190.01 € -37.02 € -153.00 € 4,782.78 €
93 9/30/2030 -190.01 € -35.87 € -154.14 € 4,628.64 €
94 10/31/2030 -190.01 € -34.71 € -155.30 € 4,473.34 €
95 11/30/2030 -190.01 € -33.55 € -156.46 € 4,316.87 €
96 12/31/2030 -190.01 € -32.38 € -157.64 € 4,159.24 €
97 1/31/2031 -190.01 € -31.19 € -158.82 € 4,000.42 €
98 2/28/2031 -190.01 € -30.00 € -160.01 € 3,840.41 €
99 3/31/2031 -190.01 € -28.80 € -161.21 € 3,679.20 €
100 4/30/2031 -190.01 € -27.59 € -162.42 € 3,516.78 €
101 5/31/2031 -190.01 € -26.38 € -163.64 € 3,353.14 €
102 6/30/2031 -190.01 € -25.15 € -164.87 € 3,188.27 €
103 7/31/2031 -190.01 € -23.91 € -166.10 € 3,022.17 €
104 8/31/2031 -190.01 € -22.67 € -167.35 € 2,854.82 €
105 9/30/2031 -190.01 € -21.41 € -168.60 € 2,686.22 €
106 10/31/2031 -190.01 € -20.15 € -169.87 € 2,516.36 €
107 11/30/2031 -190.01 € -18.87 € -171.14 € 2,345.21 €
108 12/31/2031 -190.01 € -17.59 € -172.42 € 2,172.79 €
109 1/31/2032 -190.01 € -16.30 € -173.72 € 1,999.07 €
110 2/29/2032 -190.01 € -14.99 € -175.02 € 1,824.05 €
111 3/31/2032 -190.01 € -13.68 € -176.33 € 1,647.72 €
112 4/30/2032 -190.01 € -12.36 € -177.66 € 1,470.06 €
113 5/31/2032 -190.01 € -11.03 € -178.99 € 1,291.07 €
114 6/30/2032 -190.01 € -9.68 € -180.33 € 1,110.74 €
115 7/31/2032 -190.01 € -8.33 € -181.68 € 929.06 €
116 8/31/2032 -190.01 € -6.97 € -183.05 € 746.01 €
117 9/30/2032 -190.01 € -5.60 € -184.42 € 561.60 €
118 10/31/2032 -190.01 € -4.21 € -185.80 € 375.79 €
119 11/30/2032 -190.01 € -2.82 € -187.20 € 188.60 €
120 12/31/2032 -190.01 € -1.41 € -188.60 € -0.00 €
A couple has a $150 000, 5-year mortgage at j2=9%, with a 20-year amortization period.
After exactly 3 years (36 payments) they could renegotiate a new mortgage at j2=7%. If
the bank charges an interest penalty of three times the monthly interest due on the
outstanding balance at the time of renegotiation, what will their new monthly payment
be?

PV 150000 n 300

J2
9% J12 9.20% i12 0.77%

Outstanding
Periods Date Annuity r Principal
Balance
0 12/31/1990 150000 150000
1 1/31/1991 -1,369.19 € 1150.3125 -218.87 € 149,781.13 €
2 2/28/1991 -1,369.19 € 1,148.63 € -220.55 € 149,560.58 €
3 3/31/1991 -1,369.19 € 1146.9426597 -222.24 € 149,338.33 €
4 4/30/1991 -1,369.19 € 1145.238333 -223.95 € 149,114.38 €
5 5/31/1991 -1,369.19 € 1143.5209362 -225.66 € 148,888.72 €
6 6/30/1991 -1,369.19 € 1141.7903692 -227.40 € 148,661.32 €
7 7/31/1991 -1,369.19 € 1140.0465309 -229.14 € 148,432.19 €
8 8/31/1991 -1,369.19 € 1138.2893195 -230.90 € 148,201.29 €
9 9/30/1991 -1,369.19 € 1136.5186325 -232.67 € 147,968.62 €
10 10/31/1991 -1,369.19 € 1134.7343665 -234.45 € 147,734.17 €
11 11/30/1991 -1,369.19 € 1132.9364175 -236.25 € 147,497.92 €
12 12/31/1991 -1,369.19 € 1131.1246804 -238.06 € 147,259.86 €
13 1/31/1992 -1,369.19 € 1129.2990496 -239.89 € 147,019.97 €
14 2/29/1992 -1,369.19 € 1127.4594185 -241.73 € 146,778.25 €
15 3/31/1992 -1,369.19 € 1125.6056797 -243.58 € 146,534.67 €
16 4/30/1992 -1,369.19 € 1123.737725 -245.45 € 146,289.22 €
17 5/31/1992 -1,369.19 € 1121.8554455 -247.33 € 146,041.89 €
18 6/30/1992 -1,369.19 € 1119.9587312 -249.23 € 145,792.66 €
19 7/31/1992 -1,369.19 € 1118.0474715 -251.14 € 145,541.52 €
20 8/31/1992 -1,369.19 € 1116.1215548 -253.06 € 145,288.46 €
21 9/30/1992 -1,369.19 € 1114.1808688 -255.00 € 145,033.45 €
22 10/31/1992 -1,369.19 € 1112.2253001 -256.96 € 144,776.49 €
23 11/30/1992 -1,369.19 € 1110.2547347 -258.93 € 144,517.56 €
24 12/31/1992 -1,369.19 € 1108.2690575 -260.92 € 144,256.65 €
25 1/31/1993 -1,369.19 € 1106.2681526 -262.92 € 143,993.73 €
26 2/28/1993 -1,369.19 € 1104.2519033 -264.93 € 143,728.79 €
27 3/31/1993 -1,369.19 € 1102.2201918 -266.97 € 143,461.83 €
28 4/30/1993 -1,369.19 € 1100.1728997 -269.01 € 143,192.82 €
29 5/31/1993 -1,369.19 € 1098.1099074 -271.08 € 142,921.74 €
30 6/30/1993 -1,369.19 € 1096.0310946 -273.15 € 142,648.59 €
31 7/31/1993 -1,369.19 € 1093.9363398 -275.25 € 142,373.34 €
32 8/31/1993 -1,369.19 € 1091.8255209 -277.36 € 142,095.98 €
33 9/30/1993 -1,369.19 € 1089.6985146 -279.49 € 141,816.49 €
34 10/31/1993 -1,369.19 € 1087.5551969 -281.63 € 141,534.86 €
35 11/30/1993 -1,369.19 € 1085.3954426 -283.79 € 141,251.07 €
36 12/31/1993 -1,369.19 € 1083.2191257 -285.97 € 140,965.10 €
37 1/31/1994 -1,369.19 € 1081.0261191 -288.16 € 140,676.94 €
38 2/28/1994 -1,369.19 € 1078.816295 -290.37 € 140,386.57 €
39 3/31/1994 -1,369.19 € 1076.5895242 -292.60 € 140,093.98 €
40 4/30/1994 -1,369.19 € 1074.3456769 -294.84 € 139,799.14 €
41 5/31/1994 -1,369.19 € 1072.0846221 -297.10 € 139,502.03 €
42 6/30/1994 -1,369.19 € 1069.8062278 -299.38 € 139,202.66 €
43 7/31/1994 -1,369.19 € 1067.5103611 -301.68 € 138,900.98 €
44 8/31/1994 -1,369.19 € 1065.196888 -303.99 € 138,596.99 €
45 9/30/1994 -1,369.19 € 1062.8656734 -306.32 € 138,290.67 €
46 10/31/1994 -1,369.19 € 1060.5165813 -308.67 € 137,982.00 €
47 11/30/1994 -1,369.19 € 1058.1494747 -311.04 € 137,670.97 €
48 12/31/1994 -1,369.19 € 1055.7642152 -313.42 € 137,357.54 €
49 1/31/1995 -1,369.19 € 1053.3606638 -315.83 € 137,041.72 €
50 2/28/1995 -1,369.19 € 1050.9386802 -318.25 € 136,723.47 €
51 3/31/1995 -1,369.19 € 1048.498123 -320.69 € 136,402.78 €
52 4/30/1995 -1,369.19 € 1046.0388498 -323.15 € 136,079.64 €
53 5/31/1995 -1,369.19 € 1043.560717 -325.63 € 135,754.01 €
54 6/30/1995 -1,369.19 € 1041.06358 -328.12 € 135,425.89 €
55 7/31/1995 -1,369.19 € 1038.5472931 -330.64 € 135,095.25 €
56 8/31/1995 -1,369.19 € 1036.0117095 -333.17 € 134,762.08 €
57 9/30/1995 -1,369.19 € 1033.456681 -335.73 € 134,426.35 €
58 10/31/1995 -1,369.19 € 1030.8820588 -338.30 € 134,088.04 €
59 11/30/1995 -1,369.19 € 1028.2876923 -340.90 € 133,747.15 €
60 12/31/1995 -1,369.19 € 1025.6734304 -343.51 € 133,403.63 €
61 1/31/1996 -1,369.19 € 1023.0391203 -346.15 € 133,057.49 €
62 2/29/1996 -1,369.19 € 1020.3846083 -348.80 € 132,708.69 €
63 3/31/1996 -1,369.19 € 1017.7097395 -351.48 € 132,357.21 €
64 4/30/1996 -1,369.19 € 1015.0143579 -354.17 € 132,003.04 €
65 5/31/1996 -1,369.19 € 1012.298306 -356.89 € 131,646.15 €
66 6/30/1996 -1,369.19 € 1009.5614255 -359.62 € 131,286.53 €
67 7/31/1996 -1,369.19 € 1006.8035564 -362.38 € 130,924.15 €
68 8/31/1996 -1,369.19 € 1004.024538 -365.16 € 130,558.98 €
69 9/30/1996 -1,369.19 € 1001.2242079 -367.96 € 130,191.02 €
70 10/31/1996 -1,369.19 € 998.40240287 -370.78 € 129,820.24 €
71 11/30/1996 -1,369.19 € 995.55895808 -373.63 € 129,446.61 €
72 12/31/1996 -1,369.19 € 992.69370762 -376.49 € 129,070.12 €
73 1/31/1997 -1,369.19 € 989.80648428 -379.38 € 128,690.74 €
74 2/28/1997 -1,369.19 € 986.89711954 -382.29 € 128,308.45 €
 75 3/31/1997 -1,369.19 € 983.96544361 -385.22 € 127,923.23 €
76 4/30/1997 -1,369.19 € 981.01128539 -388.17 € 127,535.06 €
77 5/31/1997 -1,369.19 € 978.03447247 -391.15 € 127,143.91 €
78 6/30/1997 -1,369.19 € 975.03483111 -394.15 € 126,749.76 €
79 7/31/1997 -1,369.19 € 972.01218626 -397.17 € 126,352.58 €
80 8/31/1997 -1,369.19 € 968.9663615 -400.22 € 125,952.36 €
81 9/30/1997 -1,369.19 € 965.89717907 -403.29 € 125,549.07 €
82 10/31/1997 -1,369.19 € 962.80445984 -406.38 € 125,142.69 €
83 11/30/1997 -1,369.19 € 959.68802333 -409.50 € 124,733.19 €
84 12/31/1997 -1,369.19 € 956.54768764 -412.64 € 124,320.56 €
85 1/31/1998 -1,369.19 € 953.38326951 -415.80 € 123,904.75 €
86 2/28/1998 -1,369.19 € 950.19458424 -418.99 € 123,485.76 €
87 3/31/1998 -1,369.19 € 946.98144574 -422.20 € 123,063.56 €
88 4/30/1998 -1,369.19 € 943.74366649 -425.44 € 122,638.12 €
89 5/31/1998 -1,369.19 € 940.48105751 -428.70 € 122,209.41 €
90 6/30/1998 -1,369.19 € 937.19342841 -431.99 € 121,777.42 €
91 7/31/1998 -1,369.19 € 933.8805873 -435.31 € 121,342.11 €
92 8/31/1998 -1,369.19 € 930.54234084 -438.64 € 120,903.47 €
93 9/30/1998 -1,369.19 € 927.1784942 -442.01 € 120,461.46 €
94 10/31/1998 -1,369.19 € 923.78885106 -445.40 € 120,016.07 €
95 11/30/1998 -1,369.19 € 920.37321359 -448.81 € 119,567.25 €
YO entiendo qu 96 12/31/1998 -1,369.19 € 916.93138246 -452.25 € 119,115.00 €
97 1/31/1999 -1,369.19 € 913.46315678 -455.72 € 118,659.28 €
98 2/28/1999 -1,369.19 € 909.96833415 -459.22 € 118,200.06 €
99 3/31/1999 -1,369.19 € 906.4467106 -462.74 € 117,737.32 €
100 4/30/1999 -1,369.19 € 902.8980806 -466.29 € 117,271.03 €
101 5/31/1999 -1,369.19 € 899.32223704 -469.86 € 116,801.17 €
102 6/30/1999 -1,369.19 € 895.71897123 -473.47 € 116,327.70 €
103 7/31/1999 -1,369.19 € 892.08807287 -477.10 € 115,850.61 €
104 8/31/1999 -1,369.19 € 888.42933006 -480.76 € 115,369.85 €
105 9/30/1999 -1,369.19 € 884.74252927 -484.44 € 114,885.41 €
106 10/31/1999 -1,369.19 € 881.02745533 -488.16 € 114,397.25 €
107 11/30/1999 -1,369.19 € 877.28389141 -491.90 € 113,905.35 €
108 12/31/1999 -1,369.19 € 873.51161904 -495.67 € 113,409.67 €
109 1/31/2000 -1,369.19 € 869.71041805 -499.48 € 112,910.20 €
110 2/29/2000 -1,369.19 € 865.8800666 -503.31 € 112,406.89 €
111 3/31/2000 -1,369.19 € 862.02034115 -507.17 € 111,899.73 €
112 4/30/2000 -1,369.19 € 858.13101643 -511.05 € 111,388.67 €
113 5/31/2000 -1,369.19 € 854.21186544 -514.97 € 110,873.70 €
114 6/30/2000 -1,369.19 € 850.26265947 -518.92 € 110,354.77 €
115 7/31/2000 -1,369.19 € 846.28316802 -522.90 € 109,831.87 €
116 8/31/2000 -1,369.19 € 842.27315885 -526.91 € 109,304.96 €
117 9/30/2000 -1,369.19 € 838.23239792 -530.95 € 108,774.00 €
118 10/31/2000 -1,369.19 € 834.16064941 -535.03 € 108,238.98 €
119 11/30/2000 -1,369.19 € 830.05767568 -539.13 € 107,699.85 €
120 12/31/2000 -1,369.19 € 825.92323726 -543.26 € 107,156.59 €
121 1/31/2001 -1,369.19 € 821.75709287 -547.43 € 106,609.16 €
122 2/28/2001 -1,369.19 € 817.55899936 -551.63 € 106,057.53 €
123 3/31/2001 -1,369.19 € 813.32871172 -555.86 € 105,501.68 €
124 4/30/2001 -1,369.19 € 809.06598306 -560.12 € 104,941.56 €
125 5/31/2001 -1,369.19 € 804.77056461 -564.42 € 104,377.14 €
126 6/30/2001 -1,369.19 € 800.44220566 -568.74 € 103,808.40 €
127 7/31/2001 -1,369.19 € 796.08065361 -573.11 € 103,235.29 €
128 8/31/2001 -1,369.19 € 791.6856539 -577.50 € 102,657.79 €
129 9/30/2001 -1,369.19 € 787.25695005 -581.93 € 102,075.86 €
130 10/31/2001 -1,369.19 € 782.79428357 -586.39 € 101,489.47 €
131 11/30/2001 -1,369.19 € 778.29739401 -590.89 € 100,898.58 €
132 12/31/2001 -1,369.19 € 773.76601894 -595.42 € 100,303.16 €
133 1/31/2002 -1,369.19 € 769.19989388 -599.99 € 99,703.18 €
134 2/28/2002 -1,369.19 € 764.59875235 -604.59 € 99,098.59 €
135 3/31/2002 -1,369.19 € 759.96232582 -609.22 € 98,489.37 €
136 4/30/2002 -1,369.19 € 755.29034369 -613.90 € 97,875.47 €
137 5/31/2002 -1,369.19 € 750.5825333 -618.60 € 97,256.87 €
138 6/30/2002 -1,369.19 € 745.83861988 -623.35 € 96,633.52 €
139 7/31/2002 -1,369.19 € 741.05832658 -628.13 € 96,005.40 €
140 8/31/2002 -1,369.19 € 736.24137441 -632.94 € 95,372.45 €
141 9/30/2002 -1,369.19 € 731.38748223 -637.80 € 94,734.65 €
142 10/31/2002 -1,369.19 € 726.49636677 -642.69 € 94,091.96 €
143 11/30/2002 -1,369.19 € 721.56774257 -647.62 € 93,444.35 €
144 12/31/2002 -1,369.19 € 716.60132198 -652.58 € 92,791.76 €
145 1/31/2003 -1,369.19 € 711.59681515 -657.59 € 92,134.17 €
146 2/28/2003 -1,369.19 € 706.55393001 -662.63 € 91,471.54 €
147 3/31/2003 -1,369.19 € 701.47237225 -667.71 € 90,803.83 €
148 4/30/2003 -1,369.19 € 696.35184529 -672.83 € 90,130.99 €
149 5/31/2003 -1,369.19 € 691.19205029 -677.99 € 89,453.00 €
150 6/30/2003 -1,369.19 € 685.99268611 -683.19 € 88,769.81 €
151 7/31/2003 -1,369.19 € 680.7534493 -688.43 € 88,081.37 €
152 8/31/2003 -1,369.19 € 675.4740341 -693.71 € 87,387.66 €
153 9/30/2003 -1,369.19 € 670.15413239 -699.03 € 86,688.63 €
154 10/31/2003 -1,369.19 € 664.79343367 -704.39 € 85,984.24 €
155 11/30/2003 -1,369.19 € 659.3916251 -709.79 € 85,274.44 €
156 12/31/2003 -1,369.19 € 653.94839141 -715.24 € 84,559.21 €
157 1/31/2004 -1,369.19 € 648.46341492 -720.72 € 83,838.48 €
158 2/29/2004 -1,369.19 € 642.93637552 -726.25 € 83,112.23 €
159 3/31/2004 -1,369.19 € 637.36695063 -731.82 € 82,380.42 €
160 4/30/2004 -1,369.19 € 631.75481522 -737.43 € 81,642.99 €
161 5/31/2004 -1,369.19 € 626.09964175 -743.09 € 80,899.90 €
162 6/30/2004 -1,369.19 € 620.40110016 -748.78 € 80,151.11 €
163 7/31/2004 -1,369.19 € 614.65885788 -754.53 € 79,396.59 €
164 8/31/2004 -1,369.19 € 608.87257978 -760.31 € 78,636.27 €
165 9/30/2004 -1,369.19 € 603.04192816 -766.14 € 77,870.13 €
166 10/31/2004 -1,369.19 € 597.16656273 -772.02 € 77,098.11 €
167 11/30/2004 -1,369.19 € 591.24614059 -777.94 € 76,320.17 €
168 12/31/2004 -1,369.19 € 585.28031622 -783.91 € 75,536.27 €
169 1/31/2005 -1,369.19 € 579.26874143 -789.92 € 74,746.35 €
170 2/28/2005 -1,369.19 € 573.21106537 -795.97 € 73,950.37 €
171 3/31/2005 -1,369.19 € 567.10693452 -802.08 € 73,148.30 €
172 4/30/2005 -1,369.19 € 560.9559926 -808.23 € 72,340.07 €
173 5/31/2005 -1,369.19 € 554.75788066 -814.43 € 71,525.64 €
174 6/30/2005 -1,369.19 € 548.51223694 -820.67 € 70,704.96 €
175 7/31/2005 -1,369.19 € 542.21869694 -826.97 € 69,878.00 €
176 8/31/2005 -1,369.19 € 535.87689336 -833.31 € 69,044.69 €
177 9/30/2005 -1,369.19 € 529.48645607 -839.70 € 68,204.99 €
178 10/31/2005 -1,369.19 € 523.04701211 -846.14 € 67,358.85 €
179 11/30/2005 -1,369.19 € 516.55818567 -852.63 € 66,506.22 €
180 12/31/2005 -1,369.19 € 510.01959804 -859.17 € 65,647.06 €
181 1/31/2006 -1,369.19 € 503.43086762 -865.75 € 64,781.30 €
182 2/28/2006 -1,369.19 € 496.79160987 -872.39 € 63,908.91 €
183 3/31/2006 -1,369.19 € 490.10143731 -879.08 € 63,029.82 €
184 4/30/2006 -1,369.19 € 483.35995949 -885.83 € 62,144.00 €
185 5/31/2006 -1,369.19 € 476.56678297 -892.62 € 61,251.38 €
186 6/30/2006 -1,369.19 € 469.72151127 -899.46 € 60,351.91 €
187 7/31/2006 -1,369.19 € 462.82374489 -906.36 € 59,445.55 €
188 8/31/2006 -1,369.19 € 455.87308127 -913.31 € 58,532.24 €
189 9/30/2006 -1,369.19 € 448.86911475 -920.32 € 57,611.92 €
190 10/31/2006 -1,369.19 € 441.81143656 -927.37 € 56,684.55 €
191 11/30/2006 -1,369.19 € 434.69963479 -934.49 € 55,750.06 €
192 12/31/2006 -1,369.19 € 427.5332944 -941.65 € 54,808.41 €
193 1/31/2007 -1,369.19 € 420.31199714 -948.87 € 53,859.54 €
194 2/28/2007 -1,369.19 € 413.03532155 -956.15 € 52,903.39 €
195 3/31/2007 -1,369.19 € 405.70284296 -963.48 € 51,939.90 €
196 4/30/2007 -1,369.19 € 398.31413342 -970.87 € 50,969.03 €
197 5/31/2007 -1,369.19 € 390.86876171 -978.32 € 49,990.71 €
198 6/30/2007 -1,369.19 € 383.36629332 -985.82 € 49,004.90 €
199 7/31/2007 -1,369.19 € 375.80629036 -993.38 € 48,011.52 €
200 8/31/2007 -1,369.19 € 368.18831164 -1,001.00 € 47,010.52 €
201 9/30/2007 -1,369.19 € 360.51191254 -1,008.67 € 46,001.84 €
202 10/31/2007 -1,369.19 € 352.77664505 -1,016.41 € 44,985.44 €
203 11/30/2007 -1,369.19 € 344.98205773 -1,024.20 € 43,961.23 €
204 12/31/2007 -1,369.19 € 337.12769567 -1,032.06 € 42,929.17 €
205 1/31/2008 -1,369.19 € 329.21310047 -1,039.97 € 41,889.20 €
206 2/29/2008 -1,369.19 € 321.23781022 -1,047.95 € 40,841.25 €
207 3/31/2008 -1,369.19 € 313.20135946 -1,055.98 € 39,785.27 €
208 4/30/2008 -1,369.19 € 305.10327917 -1,064.08 € 38,721.19 €
209 5/31/2008 -1,369.19 € 296.94309673 -1,072.24 € 37,648.94 €
210 6/30/2008 -1,369.19 € 288.72033588 -1,080.47 € 36,568.48 €
211 7/31/2008 -1,369.19 € 280.43451675 -1,088.75 € 35,479.73 €
212 8/31/2008 -1,369.19 € 272.08515573 -1,097.10 € 34,382.63 €
213 9/30/2008 -1,369.19 € 263.67176555 -1,105.51 € 33,277.11 €
214 10/31/2008 -1,369.19 € 255.19385519 -1,113.99 € 32,163.12 €
215 11/30/2008 -1,369.19 € 246.65092985 -1,122.53 € 31,040.59 €
216 12/31/2008 -1,369.19 € 238.04249095 -1,131.14 € 29,909.44 €
217 1/31/2009 -1,369.19 € 229.36803609 -1,139.82 € 28,769.62 €
218 2/28/2009 -1,369.19 € 220.627059 -1,148.56 € 27,621.07 €
219 3/31/2009 -1,369.19 € 211.81904954 -1,157.37 € 26,463.70 €
220 4/30/2009 -1,369.19 € 202.94349367 -1,166.24 € 25,297.46 €
221 5/31/2009 -1,369.19 € 193.99987337 -1,175.19 € 24,122.27 €
222 6/30/2009 -1,369.19 € 184.98766668 -1,184.20 € 22,938.07 €
223 7/31/2009 -1,369.19 € 175.90634763 -1,193.28 € 21,744.79 €
224 8/31/2009 -1,369.19 € 166.75538622 -1,202.43 € 20,542.36 €
225 9/30/2009 -1,369.19 € 157.53424837 -1,211.65 € 19,330.71 €
226 10/31/2009 -1,369.19 € 148.24239593 -1,220.94 € 18,109.77 €
227 11/30/2009 -1,369.19 € 138.87928658 -1,230.31 € 16,879.46 €
228 12/31/2009 -1,369.19 € 129.4443739 -1,239.74 € 15,639.72 €
229 1/31/2010 -1,369.19 € 119.93710722 -1,249.25 € 14,390.47 €
230 2/28/2010 -1,369.19 € 110.3569317 -1,258.83 € 13,131.64 €
231 3/31/2010 -1,369.19 € 100.7032882 -1,268.48 € 11,863.16 €
232 4/30/2010 -1,369.19 € 90.975613331 -1,278.21 € 10,584.95 €
233 5/31/2010 -1,369.19 € 81.17333935 -1,288.01 € 9,296.94 €
234 6/30/2010 -1,369.19 € 71.29589418 -1,297.89 € 7,999.05 €
235 7/31/2010 -1,369.19 € 61.342701353 -1,307.84 € 6,691.21 €
236 8/31/2010 -1,369.19 € 51.313179979 -1,317.87 € 5,373.33 €
237 9/30/2010 -1,369.19 € 41.206744712 -1,327.98 € 4,045.35 €
238 10/31/2010 -1,369.19 € 31.02280572 -1,338.16 € 2,707.19 €
239 11/30/2010 -1,369.19 € 20.760768646 -1,348.42 € 1,358.77 €
240 12/1/2010 -1,369.19 € 10.420034575 -1,358.77 € -0.00 €
-328,604.58 € 178,604.58 € -150,000.00 €
Penalty
2,120.99 € r*OB96*3

J2 7% J12 7.12% i12 0.59%

Period Date Annuity r Principal Outstanding Balance
96 12/31/1998 121,235.99 €
97 1/31/1999 -1,254.70 € 719.59 € -535.11 € 120,700.88 €
98 2/28/1999 -1,254.70 € 716.41 € -538.29 € 120,162.59 €
99 3/31/1999 -1,254.70 € 713.22 € -541.48 € 119,621.11 €
100 4/30/1999 -1,254.70 € 710.00 € -544.70 € 119,076.41 €
101 5/31/1999 -1,254.70 € 706.77 € -547.93 € 118,528.48 €
102 6/30/1999 -1,254.70 € 703.52 € -551.18 € 117,977.30 €
103 7/31/1999 -1,254.70 € 700.24 € -554.45 € 117,422.84 €
104 8/31/1999 -1,254.70 € 696.95 € -557.75 € 116,865.10 €
105 9/30/1999 -1,254.70 € 693.64 € -561.06 € 116,304.04 €
106 10/31/1999 -1,254.70 € 690.31 € -564.39 € 115,739.65 €
107 11/30/1999 -1,254.70 € 686.96 € -567.74 € 115,171.92 €
108 12/31/1999 -1,254.70 € 683.59 € -571.11 € 114,600.81 €
109 1/31/2000 -1,254.70 € 680.20 € -574.50 € 114,026.32 €
110 2/29/2000 -1,254.70 € 676.79 € -577.91 € 113,448.41 €
111 3/31/2000 -1,254.70 € 673.36 € -581.34 € 112,867.08 €
112 4/30/2000 -1,254.70 € 669.91 € -584.79 € 112,282.29 €
113 5/31/2000 -1,254.70 € 666.44 € -588.26 € 111,694.03 €
114 6/30/2000 -1,254.70 € 662.95 € -591.75 € 111,102.29 €
115 7/31/2000 -1,254.70 € 659.44 € -595.26 € 110,507.03 €
116 8/31/2000 -1,254.70 € 655.91 € -598.79 € 109,908.23 €
117 9/30/2000 -1,254.70 € 652.35 € -602.35 € 109,305.88 €
118 10/31/2000 -1,254.70 € 648.78 € -605.92 € 108,699.96 €
119 11/30/2000 -1,254.70 € 645.18 € -609.52 € 108,090.44 €
120 12/31/2000 -1,254.70 € 641.56 € -613.14 € 107,477.31 €
121 1/31/2001 -1,254.70 € 637.92 € -616.78 € 106,860.53 €
122 2/28/2001 -1,254.70 € 634.26 € -620.44 € 106,240.09 €
123 3/31/2001 -1,254.70 € 630.58 € -624.12 € 105,615.97 €
124 4/30/2001 -1,254.70 € 626.87 € -627.82 € 104,988.15 €
125 5/31/2001 -1,254.70 € 623.15 € -631.55 € 104,356.60 €
126 6/30/2001 -1,254.70 € 619.40 € -635.30 € 103,721.30 €
127 7/31/2001 -1,254.70 € 615.63 € -639.07 € 103,082.23 €
128 8/31/2001 -1,254.70 € 611.84 € -642.86 € 102,439.37 €
129 9/30/2001 -1,254.70 € 608.02 € -646.68 € 101,792.69 €
130 10/31/2001 -1,254.70 € 604.18 € -650.52 € 101,142.17 €
131 11/30/2001 -1,254.70 € 600.32 € -654.38 € 100,487.79 €
132 12/31/2001 -1,254.70 € 596.44 € -658.26 € 99,829.53 €
133 1/31/2002 -1,254.70 € 592.53 € -662.17 € 99,167.36 €
134 2/28/2002 -1,254.70 € 588.60 € -666.10 € 98,501.26 €
135 3/31/2002 -1,254.70 € 584.65 € -670.05 € 97,831.21 €
136 4/30/2002 -1,254.70 € 580.67 € -674.03 € 97,157.18 €
137 5/31/2002 -1,254.70 € 576.67 € -678.03 € 96,479.15 €
138 6/30/2002 -1,254.70 € 572.64 € -682.05 € 95,797.10 €
139 7/31/2002 -1,254.70 € 568.60 € -686.10 € 95,110.99 €
140 8/31/2002 -1,254.70 € 564.52 € -690.18 € 94,420.82 €
141 9/30/2002 -1,254.70 € 560.43 € -694.27 € 93,726.55 €
142 10/31/2002 -1,254.70 € 556.31 € -698.39 € 93,028.15 €
143 11/30/2002 -1,254.70 € 552.16 € -702.54 € 92,325.62 €
144 12/31/2002 -1,254.70 € 547.99 € -706.71 € 91,618.91 €
145 1/31/2003 -1,254.70 € 543.80 € -710.90 € 90,908.01 €
146 2/28/2003 -1,254.70 € 539.58 € -715.12 € 90,192.88 €
147 3/31/2003 -1,254.70 € 535.33 € -719.37 € 89,473.52 €
148 4/30/2003 -1,254.70 € 531.06 € -723.64 € 88,749.88 €
149 5/31/2003 -1,254.70 € 526.77 € -727.93 € 88,021.95 €
150 6/30/2003 -1,254.70 € 522.45 € -732.25 € 87,289.70 €
151 7/31/2003 -1,254.70 € 518.10 € -736.60 € 86,553.10 €
152 8/31/2003 -1,254.70 € 513.73 € -740.97 € 85,812.13 €
153 9/30/2003 -1,254.70 € 509.33 € -745.37 € 85,066.76 €
154 10/31/2003 -1,254.70 € 504.91 € -749.79 € 84,316.97 €
155 11/30/2003 -1,254.70 € 500.46 € -754.24 € 83,562.73 €
156 12/31/2003 -1,254.70 € 495.98 € -758.72 € 82,804.01 €
157 1/31/2004 -1,254.70 € 491.48 € -763.22 € 82,040.78 €
158 2/29/2004 -1,254.70 € 486.95 € -767.75 € 81,273.03 €
159 3/31/2004 -1,254.70 € 482.39 € -772.31 € 80,500.72 €
160 4/30/2004 -1,254.70 € 477.81 € -776.89 € 79,723.83 €
161 5/31/2004 -1,254.70 € 473.19 € -781.50 € 78,942.32 €
162 6/30/2004 -1,254.70 € 468.56 € -786.14 € 78,156.18 €
163 7/31/2004 -1,254.70 € 463.89 € -790.81 € 77,365.37 €
164 8/31/2004 -1,254.70 € 459.20 € -795.50 € 76,569.87 €
165 9/30/2004 -1,254.70 € 454.47 € -800.22 € 75,769.64 €
166 10/31/2004 -1,254.70 € 449.72 € -804.97 € 74,964.67 €
167 11/30/2004 -1,254.70 € 444.95 € -809.75 € 74,154.92 €
168 12/31/2004 -1,254.70 € 440.14 € -814.56 € 73,340.36 €
169 1/31/2005 -1,254.70 € 435.31 € -819.39 € 72,520.97 €
170 2/28/2005 -1,254.70 € 430.44 € -824.26 € 71,696.71 €
171 3/31/2005 -1,254.70 € 425.55 € -829.15 € 70,867.56 €
172 4/30/2005 -1,254.70 € 420.63 € -834.07 € 70,033.49 €
173 5/31/2005 -1,254.70 € 415.68 € -839.02 € 69,194.47 €
174 6/30/2005 -1,254.70 € 410.70 € -844.00 € 68,350.47 €
175 7/31/2005 -1,254.70 € 405.69 € -849.01 € 67,501.46 €
176 8/31/2005 -1,254.70 € 400.65 € -854.05 € 66,647.41 €
177 9/30/2005 -1,254.70 € 395.58 € -859.12 € 65,788.29 €
178 10/31/2005 -1,254.70 € 390.48 € -864.22 € 64,924.07 €
179 11/30/2005 -1,254.70 € 385.35 € -869.35 € 64,054.72 €
180 12/31/2005 -1,254.70 € 380.19 € -874.51 € 63,180.22 €
181 1/31/2006 -1,254.70 € 375.00 € -879.70 € 62,300.52 €
182 2/28/2006 -1,254.70 € 369.78 € -884.92 € 61,415.60 €
183 3/31/2006 -1,254.70 € 364.53 € -890.17 € 60,525.43 €
184 4/30/2006 -1,254.70 € 359.24 € -895.46 € 59,629.97 €
185 5/31/2006 -1,254.70 € 353.93 € -900.77 € 58,729.20 €
186 6/30/2006 -1,254.70 € 348.58 € -906.12 € 57,823.09 €
187 7/31/2006 -1,254.70 € 343.20 € -911.49 € 56,911.59 €
188 8/31/2006 -1,254.70 € 337.79 € -916.90 € 55,994.69 €
189 9/30/2006 -1,254.70 € 332.35 € -922.35 € 55,072.34 €
190 10/31/2006 -1,254.70 € 326.88 € -927.82 € 54,144.52 €
191 11/30/2006 -1,254.70 € 321.37 € -933.33 € 53,211.19 €
192 12/31/2006 -1,254.70 € 315.83 € -938.87 € 52,272.32 €
193 1/31/2007 -1,254.70 € 310.26 € -944.44 € 51,327.88 €
194 2/28/2007 -1,254.70 € 304.65 € -950.05 € 50,377.84 €
195 3/31/2007 -1,254.70 € 299.01 € -955.69 € 49,422.15 €
196 4/30/2007 -1,254.70 € 293.34 € -961.36 € 48,460.79 €
197 5/31/2007 -1,254.70 € 287.63 € -967.06 € 47,493.73 €
198 6/30/2007 -1,254.70 € 281.90 € -972.80 € 46,520.92 €
199 7/31/2007 -1,254.70 € 276.12 € -978.58 € 45,542.35 €
200 8/31/2007 -1,254.70 € 270.31 € -984.39 € 44,557.96 €
201 9/30/2007 -1,254.70 € 264.47 € -990.23 € 43,567.73 €
202 10/31/2007 -1,254.70 € 258.59 € -996.11 € 42,571.63 €
203 11/30/2007 -1,254.70 € 252.68 € -1,002.02 € 41,569.61 €
204 12/31/2007 -1,254.70 € 246.73 € -1,007.97 € 40,561.64 €
205 1/31/2008 -1,254.70 € 240.75 € -1,013.95 € 39,547.69 €
206 2/29/2008 -1,254.70 € 234.73 € -1,019.97 € 38,527.73 €
207 3/31/2008 -1,254.70 € 228.68 € -1,026.02 € 37,501.71 €
208 4/30/2008 -1,254.70 € 222.59 € -1,032.11 € 36,469.59 €
209 5/31/2008 -1,254.70 € 216.46 € -1,038.24 € 35,431.36 €
210 6/30/2008 -1,254.70 € 210.30 € -1,044.40 € 34,386.96 €
211 7/31/2008 -1,254.70 € 204.10 € -1,050.60 € 33,336.36 €
212 8/31/2008 -1,254.70 € 197.87 € -1,056.83 € 32,279.53 €
213 9/30/2008 -1,254.70 € 191.59 € -1,063.11 € 31,216.42 €
214 10/31/2008 -1,254.70 € 185.28 € -1,069.42 € 30,147.01 €
215 11/30/2008 -1,254.70 € 178.94 € -1,075.76 € 29,071.24 €
216 12/31/2008 -1,254.70 € 172.55 € -1,082.15 € 27,989.09 €
217 1/31/2009 -1,254.70 € 166.13 € -1,088.57 € 26,900.52 €
218 2/28/2009 -1,254.70 € 159.67 € -1,095.03 € 25,805.49 €
219 3/31/2009 -1,254.70 € 153.17 € -1,101.53 € 24,703.96 €
220 4/30/2009 -1,254.70 € 146.63 € -1,108.07 € 23,595.88 €
221 5/31/2009 -1,254.70 € 140.05 € -1,114.65 € 22,481.24 €
222 6/30/2009 -1,254.70 € 133.44 € -1,121.26 € 21,359.97 €
223 7/31/2009 -1,254.70 € 126.78 € -1,127.92 € 20,232.06 €
224 8/31/2009 -1,254.70 € 120.09 € -1,134.61 € 19,097.44 €
225 9/30/2009 -1,254.70 € 113.35 € -1,141.35 € 17,956.10 €
226 10/31/2009 -1,254.70 € 106.58 € -1,148.12 € 16,807.97 €
227 11/30/2009 -1,254.70 € 99.76 € -1,154.94 € 15,653.04 €
228 12/31/2009 -1,254.70 € 92.91 € -1,161.79 € 14,491.25 €
229 1/31/2010 -1,254.70 € 86.01 € -1,168.69 € 13,322.56 €
230 2/28/2010 -1,254.70 € 79.07 € -1,175.62 € 12,146.93 €
231 3/31/2010 -1,254.70 € 72.10 € -1,182.60 € 10,964.33 €
232 4/30/2010 -1,254.70 € 65.08 € -1,189.62 € 9,774.71 €
233 5/31/2010 -1,254.70 € 58.02 € -1,196.68 € 8,578.03 €
234 6/30/2010 -1,254.70 € 50.91 € -1,203.78 € 7,374.25 €
235 7/31/2010 -1,254.70 € 43.77 € -1,210.93 € 6,163.32 €
236 8/31/2010 -1,254.70 € 36.58 € -1,218.12 € 4,945.20 €
237 9/30/2010 -1,254.70 € 29.35 € -1,225.35 € 3,719.85 €
238 10/31/2010 -1,254.70 € 22.08 € -1,232.62 € 2,487.23 €
239 11/30/2010 -1,254.70 € 14.76 € -1,239.94 € 1,247.30 €
240 12/1/2010 -1,254.70 € 7.40 € -1,247.30 € 0.00 €
tanding Balance
n
Opening feee
Periods
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
 84 J12 9.50% i12 0.79%
240
Dates Annuity R Principal Outstanding Balancew
12/31/2000 12240 12,240.00 € 12000
1/31/2001 -200.05 € 96.90 € -103.15 € 12,136.85 € -200.05 € 9.93% TIE/EIR
2/28/2001 -200.05 € 96.08 € -103.97 € 12,032.88 € -200.05 € 10.62% TAE/AER
3/31/2001 -200.05 € 95.26 € -104.79 € 11,928.09 € -200.05 €
4/30/2001 -200.05 € 94.43 € -105.62 € 11,822.47 € -200.05 €
5/31/2001 -200.05 € 93.59 € -106.46 € 11,716.02 € -200.05 €
6/30/2001 -200.05 € 92.75 € -107.30 € 11,608.72 € -200.05 €
7/31/2001 -200.05 € 91.90 € -108.15 € 11,500.57 € -200.05 €
8/31/2001 -200.05 € 91.05 € -109.00 € 11,391.57 € -200.05 €
9/30/2001 -200.05 € 90.18 € -109.87 € 11,281.70 € -200.05 €
10/31/2001 -200.05 € 89.31 € -110.74 € 11,170.96 € -200.05 €
11/30/2001 -200.05 € 88.44 € -111.61 € 11,059.35 € -200.05 €
12/31/2001 -200.05 € 87.55 € -112.50 € 10,946.85 € -200.05 €
1/31/2002 -200.05 € 86.66 € -113.39 € 10,833.46 € -200.05 €
2/28/2002 -200.05 € 85.76 € -114.29 € 10,719.18 € -200.05 €
3/31/2002 -200.05 € 84.86 € -115.19 € 10,603.99 € -200.05 €
4/30/2002 -200.05 € 83.95 € -116.10 € 10,487.89 € -200.05 €
5/31/2002 -200.05 € 83.03 € -117.02 € 10,370.87 € -200.05 €
6/30/2002 -200.05 € 82.10 € -117.95 € 10,252.92 € -200.05 €
7/31/2002 -200.05 € 81.17 € -118.88 € 10,134.04 € -200.05 €
8/31/2002 -200.05 € 80.23 € -119.82 € 10,014.21 € -200.05 €
9/30/2002 -200.05 € 79.28 € -120.77 € 9,893.44 € -200.05 €
10/31/2002 -200.05 € 78.32 € -121.73 € 9,771.72 € -200.05 €
11/30/2002 -200.05 € 77.36 € -122.69 € 9,649.02 € -200.05 €
12/31/2002 -200.05 € 76.39 € -123.66 € 9,525.36 € -200.05 €
1/31/2003 -200.05 € 75.41 € -124.64 € 9,400.72 € -200.05 €
2/28/2003 -200.05 € 74.42 € -125.63 € 9,275.09 € -200.05 €
3/31/2003 -200.05 € 73.43 € -126.62 € 9,148.47 € -200.05 €
4/30/2003 -200.05 € 72.43 € -127.62 € 9,020.85 € -200.05 €
5/31/2003 -200.05 € 71.42 € -128.64 € 8,892.21 € -200.05 €
6/30/2003 -200.05 € 70.40 € -129.65 € 8,762.56 € -200.05 €
7/31/2003 -200.05 € 69.37 € -130.68 € 8,631.88 € -200.05 €
8/31/2003 -200.05 € 68.34 € -131.71 € 8,500.16 € -200.05 €
9/30/2003 -200.05 € 67.29 € -132.76 € 8,367.40 € -200.05 €
10/31/2003 -200.05 € 66.24 € -133.81 € 8,233.60 € -200.05 €
11/30/2003 -200.05 € 65.18 € -134.87 € 8,098.73 € -200.05 €
12/31/2003 -200.05 € 64.11 € -135.94 € 7,962.79 € -200.05 €
1/31/2004 -200.05 € 63.04 € -137.01 € 7,825.78 € -200.05 €
2/29/2004 -200.05 € 61.95 € -138.10 € 7,687.69 € -200.05 €
3/31/2004 -200.05 € 60.86 € -139.19 € 7,548.50 € -200.05 €
4/30/2004 -200.05 € 59.76 € -140.29 € 7,408.20 € -200.05 €
 5/31/2004 -200.05 € 58.65 € -141.40 € 7,266.80 € -200.05 €
6/30/2004 -200.05 € 57.53 € -142.52 € 7,124.28 € -200.05 €
7/31/2004 -200.05 € 56.40 € -143.65 € 6,980.63 € -200.05 €
8/31/2004 -200.05 € 55.26 € -144.79 € 6,835.84 € -200.05 €
9/30/2004 -200.05 € 54.12 € -145.93 € 6,689.91 € -200.05 €
10/31/2004 -200.05 € 52.96 € -147.09 € 6,542.82 € -200.05 €
11/30/2004 -200.05 € 51.80 € -148.25 € 6,394.57 € -200.05 €
12/31/2004 -200.05 € 50.62 € -149.43 € 6,245.14 € -200.05 €
1/31/2005 -200.05 € 49.44 € -150.61 € 6,094.53 € -200.05 €
2/28/2005 -200.05 € 48.25 € -151.80 € 5,942.73 € -200.05 €
3/31/2005 -200.05 € 47.05 € -153.00 € 5,789.73 € -200.05 €
4/30/2005 -200.05 € 45.84 € -154.21 € 5,635.51 € -200.05 €
5/31/2005 -200.05 € 44.61 € -155.44 € 5,480.08 € -200.05 €
6/30/2005 -200.05 € 43.38 € -156.67 € 5,323.41 € -200.05 €
7/31/2005 -200.05 € 42.14 € -157.91 € 5,165.50 € -200.05 €
8/31/2005 -200.05 € 40.89 € -159.16 € 5,006.35 € -200.05 €
9/30/2005 -200.05 € 39.63 € -160.42 € 4,845.93 € -200.05 €
10/31/2005 -200.05 € 38.36 € -161.69 € 4,684.24 € -200.05 €
11/30/2005 -200.05 € 37.08 € -162.97 € 4,521.28 € -200.05 €
12/31/2005 -200.05 € 35.79 € -164.26 € 4,357.02 € -200.05 €
1/31/2006 -200.05 € 34.49 € -165.56 € 4,191.46 € -200.05 €
2/28/2006 -200.05 € 33.18 € -166.87 € 4,024.59 € -200.05 €
3/31/2006 -200.05 € 31.86 € -168.19 € 3,856.41 € -200.05 €
4/30/2006 -200.05 € 30.53 € -169.52 € 3,686.88 € -200.05 €
5/31/2006 -200.05 € 29.19 € -170.86 € 3,516.02 € -200.05 €
6/30/2006 -200.05 € 27.84 € -172.22 € 3,343.81 € -200.05 €
7/31/2006 -200.05 € 26.47 € -173.58 € 3,170.23 € -200.05 €
8/31/2006 -200.05 € 25.10 € -174.95 € 2,995.28 € -200.05 €
9/30/2006 -200.05 € 23.71 € -176.34 € 2,818.94 € -200.05 €
10/31/2006 -200.05 € 22.32 € -177.73 € 2,641.20 € -200.05 €
11/30/2006 -200.05 € 20.91 € -179.14 € 2,462.06 € -200.05 €
12/31/2006 -200.05 € 19.49 € -180.56 € 2,281.50 € -200.05 €
1/31/2007 -200.05 € 18.06 € -181.99 € 2,099.52 € -200.05 €
2/28/2007 -200.05 € 16.62 € -183.43 € 1,916.09 € -200.05 €
3/31/2007 -200.05 € 15.17 € -184.88 € 1,731.21 € -200.05 €
4/30/2007 -200.05 € 13.71 € -186.34 € 1,544.86 € -200.05 €
5/31/2007 -200.05 € 12.23 € -187.82 € 1,357.04 € -200.05 €
6/30/2007 -200.05 € 10.74 € -189.31 € 1,167.73 € -200.05 €
7/31/2007 -200.05 € 9.24 € -190.81 € 976.93 € -200.05 €
8/31/2007 -200.05 € 7.73 € -192.32 € 784.61 € -200.05 €
9/30/2007 -200.05 € 6.21 € -193.84 € 590.77 € -200.05 €
10/31/2007 -200.05 € 4.68 € -195.37 € 395.40 € -200.05 €
11/30/2007 -200.05 € 3.13 € -196.92 € 198.48 € -200.05 €
12/31/2007 -200.05 € 1.57 € -198.48 € -0.00 € -200.05 €
0.79%
P 2,100 €
n 36 months
Opening fee 0.10% 2.10 €
J12 11.70%

Period Date Annuity r Principal Outstanding BAER Cash Flow

0 12/31/2000 2,097.90 € 2,097.90 €
1 1/31/2001 -69.38 € 20.45 € -48.93 € 2,048.97 € -69.38 €
2 2/28/2001 -69.38 € 19.98 € -49.40 € 1,999.57 € -69.38 €
3 3/31/2001 -69.38 € 19.50 € -49.88 € 1,949.69 € -69.38 €
4 4/30/2001 -69.38 € 19.01 € -50.37 € 1,899.32 € -69.38 €
5 5/31/2001 -69.38 € 18.52 € -50.86 € 1,848.46 € -69.38 €
6 6/30/2001 -69.38 € 18.02 € -51.36 € 1,797.10 € -69.38 €
7 7/31/2001 -69.38 € 17.52 € -51.86 € 1,745.24 € -69.38 €
8 8/31/2001 -69.38 € 17.02 € -52.36 € 1,692.88 € -69.38 €
9 9/30/2001 -69.38 € 16.51 € -52.87 € 1,640.00 € -69.38 €
10 10/31/2001 -69.38 € 15.99 € -53.39 € 1,586.61 € -69.38 €
11 11/30/2001 -69.38 € 15.47 € -53.91 € 1,532.70 € -69.38 €
12 12/31/2001 -69.38 € 14.94 € -54.44 € 1,478.26 € -69.38 €
13 1/31/2002 -69.38 € 14.41 € -54.97 € 1,423.30 € -69.38 €
14 2/28/2002 -69.38 € 13.88 € -55.50 € 1,367.79 € -69.38 €
15 3/31/2002 -69.38 € 13.34 € -56.04 € 1,311.75 € -69.38 €
16 4/30/2002 -69.38 € 12.79 € -56.59 € 1,255.16 € -69.38 €
17 5/31/2002 -69.38 € 12.24 € -57.14 € 1,198.02 € -69.38 €
18 6/30/2002 -69.38 € 11.68 € -57.70 € 1,140.32 € -69.38 €
19 7/31/2002 -69.38 € 11.12 € -58.26 € 1,082.06 € -69.38 €
20 8/31/2002 -69.38 € 10.55 € -58.83 € 1,023.23 € -69.38 €
21 9/30/2002 -69.38 € 9.98 € -59.40 € 963.82 € -69.38 €
22 10/31/2002 -69.38 € 9.40 € -59.98 € 903.84 € -69.38 €
23 11/30/2002 -69.38 € 8.81 € -60.57 € 843.27 € -69.38 €
24 12/31/2002 -69.38 € 8.22 € -61.16 € 782.11 € -69.38 €
25 1/31/2003 -69.38 € 7.63 € -61.75 € 720.36 € -69.38 €
26 2/28/2003 -69.38 € 7.02 € -62.36 € 658.00 € -69.38 €
27 3/31/2003 -69.38 € 6.42 € -62.96 € 595.04 € -69.38 €
28 4/30/2003 -69.38 € 5.80 € -63.58 € 531.46 € -69.38 €
29 5/31/2003 -69.38 € 5.18 € -64.20 € 467.26 € -69.38 €
30 6/30/2003 -69.38 € 4.56 € -64.82 € 402.44 € -69.38 €
31 7/31/2003 -69.38 € 3.92 € -65.46 € 336.98 € -69.38 €
32 8/31/2003 -69.38 € 3.29 € -66.09 € 270.89 € -69.38 €
33 9/30/2003 -69.38 € 2.64 € -66.74 € 204.15 € -69.38 €
34 10/31/2003 -69.38 € 1.99 € -67.39 € 136.76 € -69.38 €
35 11/30/2003 -69.38 € 1.33 € -68.05 € 68.71 € -69.38 €
36 12/31/2003 -69.38 € 0.67 € -68.71 € 0.00 € -69.38 €
EIR Cash Flow
2,100 € AER 12.37%
-69.38 € EIR 12.29%
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
-69.38 €
P 75000 781.25
t 8 years 96
NIR/TIN (J12) 7.70% i12 0.64%
Opening Fee 2.30% 1725 73275
Monthly payments
TIE
7.29%
EIR Cash
Period Dates Annuity r Principal Outstanding Flows
0 12/31/2000 73275 75000
1 1/31/2001 -1,024.73 € -470.18 € -554.55 € 72,720.45 € -1,024.73 €
2 2/28/2001 -1,024.73 € -466.62 € -558.10 € 72,162.35 € -1,024.73 €
3 3/31/2001 -1,024.73 € -463.04 € -561.69 € 71,600.66 € -1,024.73 €
4 4/30/2001 -1,024.73 € -459.44 € -565.29 € 71,035.37 € -1,024.73 €
5 5/31/2001 -1,024.73 € -455.81 € -568.92 € 70,466.46 € -1,024.73 €
6 6/30/2001 -1,024.73 € -452.16 € -572.57 € 69,893.89 € -1,024.73 €
7 7/31/2001 -1,024.73 € -448.49 € -576.24 € 69,317.65 € -1,024.73 €
8 8/31/2001 -1,024.73 € -444.79 € -579.94 € 68,737.71 € -1,024.73 €
9 9/30/2001 -1,024.73 € -441.07 € -583.66 € 68,154.05 € -1,024.73 €
10 10/31/2001 -1,024.73 € -437.32 € -587.41 € 67,566.64 € -1,024.73 €
11 11/30/2001 -1,024.73 € -433.55 € -591.17 € 66,975.47 € -1,024.73 €
12 12/31/2001 -1,024.73 € -429.76 € -594.97 € 66,380.50 € -1,024.73 €
13 1/31/2002 -1,024.73 € -425.94 € -598.79 € 65,781.72 € -1,024.73 €
14 2/28/2002 -1,024.73 € -422.10 € -602.63 € 65,179.09 € -1,024.73 €
15 3/31/2002 -1,024.73 € -418.23 € -606.49 € 64,572.59 € -1,024.73 €
16 4/30/2002 -1,024.73 € -414.34 € -610.39 € 63,962.21 € -1,024.73 €
17 5/31/2002 -1,024.73 € -410.42 € -614.30 € 63,347.91 € -1,024.73 €
18 6/30/2002 -1,024.73 € -406.48 € -618.24 € 62,729.66 € -1,024.73 €
19 7/31/2002 -1,024.73 € -402.52 € -622.21 € 62,107.45 € -1,024.73 €
20 8/31/2002 -1,024.73 € -398.52 € -626.20 € 61,481.24 € -1,024.73 €
21 9/30/2002 -1,024.73 € -394.50 € -630.22 € 60,851.02 € -1,024.73 €
22 10/31/2002 -1,024.73 € -390.46 € -634.27 € 60,216.76 € -1,024.73 €
23 11/30/2002 -1,024.73 € -386.39 € -638.34 € 59,578.42 € -1,024.73 €
24 12/31/2002 -1,024.73 € -382.29 € -642.43 € 58,935.99 € -1,024.73 €
25 1/31/2003 -1,024.73 € -378.17 € -646.55 € 58,289.43 € -1,024.73 €
26 2/28/2003 -1,024.73 € -374.02 € -650.70 € 57,638.73 € -1,024.73 €
27 3/31/2003 -1,024.73 € -369.85 € -654.88 € 56,983.85 € -1,024.73 €
28 4/30/2003 -1,024.73 € -365.65 € -659.08 € 56,324.77 € -1,024.73 €
29 5/31/2003 -1,024.73 € -361.42 € -663.31 € 55,661.46 € -1,024.73 €
30 6/30/2003 -1,024.73 € -357.16 € -667.57 € 54,993.89 € -1,024.73 €
31 7/31/2003 -1,024.73 € -352.88 € -671.85 € 54,322.04 € -1,024.73 €
32 8/31/2003 -1,024.73 € -348.57 € -676.16 € 53,645.88 € -1,024.73 €
33 9/30/2003 -1,024.73 € -344.23 € -680.50 € 52,965.38 € -1,024.73 €
34 10/31/2003 -1,024.73 € -339.86 € -684.87 € 52,280.52 € -1,024.73 €
35 11/30/2003 -1,024.73 € -335.47 € -689.26 € 51,591.26 € -1,024.73 €
36 12/31/2003 -1,024.73 € -331.04 € -693.68 € 50,897.57 € -1,024.73 €
37 1/31/2004 -1,024.73 € -326.59 € -698.13 € 50,199.44 € -1,024.73 €
38 2/29/2004 -1,024.73 € -322.11 € -702.61 € 49,496.83 € -1,024.73 €
39 3/31/2004 -1,024.73 € -317.60 € -707.12 € 48,789.70 € -1,024.73 €
40 4/30/2004 -1,024.73 € -313.07 € -711.66 € 48,078.04 € -1,024.73 €
41 5/31/2004 -1,024.73 € -308.50 € -716.23 € 47,361.82 € -1,024.73 €
42 6/30/2004 -1,024.73 € -303.90 € -720.82 € 46,640.99 € -1,024.73 €
43 7/31/2004 -1,024.73 € -299.28 € -725.45 € 45,915.55 € -1,024.73 €
44 8/31/2004 -1,024.73 € -294.62 € -730.10 € 45,185.44 € -1,024.73 €
45 9/30/2004 -1,024.73 € -289.94 € -734.79 € 44,450.66 € -1,024.73 €
46 10/31/2004 -1,024.73 € -285.23 € -739.50 € 43,711.16 € -1,024.73 €
47 11/30/2004 -1,024.73 € -280.48 € -744.25 € 42,966.91 € -1,024.73 €
48 12/31/2004 -1,024.73 € -275.70 € -749.02 € 42,217.89 € -1,024.73 €
49 1/31/2005 -1,024.73 € -270.90 € -753.83 € 41,464.06 € -1,024.73 €
50 2/28/2005 -1,024.73 € -266.06 € -758.67 € 40,705.39 € -1,024.73 €
51 3/31/2005 -1,024.73 € -261.19 € -763.53 € 39,941.86 € -1,024.73 €
52 4/30/2005 -1,024.73 € -256.29 € -768.43 € 39,173.42 € -1,024.73 €
53 5/31/2005 -1,024.73 € -251.36 € -773.36 € 38,400.06 € -1,024.73 €
54 6/30/2005 -1,024.73 € -246.40 € -778.33 € 37,621.73 € -1,024.73 €
55 7/31/2005 -1,024.73 € -241.41 € -783.32 € 36,838.41 € -1,024.73 €
56 8/31/2005 -1,024.73 € -236.38 € -788.35 € 36,050.06 € -1,024.73 €
57 9/30/2005 -1,024.73 € -231.32 € -793.41 € 35,256.66 € -1,024.73 €
58 10/31/2005 -1,024.73 € -226.23 € -798.50 € 34,458.16 € -1,024.73 €
59 11/30/2005 -1,024.73 € -221.11 € -803.62 € 33,654.54 € -1,024.73 €
60 12/31/2005 -1,024.73 € -215.95 € -808.78 € 32,845.76 € -1,024.73 €
61 1/31/2006 -1,024.73 € -210.76 € -813.97 € 32,031.80 € -1,024.73 €
62 2/28/2006 -1,024.73 € -205.54 € -819.19 € 31,212.61 € -1,024.73 €
63 3/31/2006 -1,024.73 € -200.28 € -824.45 € 30,388.16 € -1,024.73 €
64 4/30/2006 -1,024.73 € -194.99 € -829.74 € 29,558.42 € -1,024.73 €
65 5/31/2006 -1,024.73 € -189.67 € -835.06 € 28,723.36 € -1,024.73 €
66 6/30/2006 -1,024.73 € -184.31 € -840.42 € 27,882.94 € -1,024.73 €
67 7/31/2006 -1,024.73 € -178.92 € -845.81 € 27,037.13 € -1,024.73 €
68 8/31/2006 -1,024.73 € -173.49 € -851.24 € 26,185.89 € -1,024.73 €
69 9/30/2006 -1,024.73 € -168.03 € -856.70 € 25,329.19 € -1,024.73 €
70 10/31/2006 -1,024.73 € -162.53 € -862.20 € 24,466.99 € -1,024.73 €
71 11/30/2006 -1,024.73 € -157.00 € -867.73 € 23,599.26 € -1,024.73 €
72 12/31/2006 -1,024.73 € -151.43 € -873.30 € 22,725.96 € -1,024.73 €
73 1/31/2007 -1,024.73 € -145.82 € -878.90 € 21,847.06 € -1,024.73 €
74 2/28/2007 -1,024.73 € -140.19 € -884.54 € 20,962.52 € -1,024.73 €
75 3/31/2007 -1,024.73 € -134.51 € -890.22 € 20,072.30 € -1,024.73 €
76 4/30/2007 -1,024.73 € -128.80 € -895.93 € 19,176.37 € -1,024.73 €
77 5/31/2007 -1,024.73 € -123.05 € -901.68 € 18,274.69 € -1,024.73 €
78 6/30/2007 -1,024.73 € -117.26 € -907.46 € 17,367.23 € -1,024.73 €
79 7/31/2007 -1,024.73 € -111.44 € -913.29 € 16,453.94 € -1,024.73 €
80 8/31/2007 -1,024.73 € -105.58 € -919.15 € 15,534.79 € -1,024.73 €
81 9/30/2007 -1,024.73 € -99.68 € -925.05 € 14,609.75 € -1,024.73 €
82 10/31/2007 -1,024.73 € -93.75 € -930.98 € 13,678.77 € -1,024.73 €
83 11/30/2007 -1,024.73 € -87.77 € -936.96 € 12,741.81 € -1,024.73 €
84 12/31/2007 -1,024.73 € -81.76 € -942.97 € 11,798.85 € -1,024.73 €
85 1/31/2008 -1,024.73 € -75.71 € -949.02 € 10,849.83 € -1,024.73 €
86 2/29/2008 -1,024.73 € -69.62 € -955.11 € 9,894.72 € -1,024.73 €
87 3/31/2008 -1,024.73 € -63.49 € -961.24 € 8,933.48 € -1,024.73 €
88 4/30/2008 -1,024.73 € -57.32 € -967.40 € 7,966.08 € -1,024.73 €
89 5/31/2008 -1,024.73 € -51.12 € -973.61 € 6,992.47 € -1,024.73 €
90 6/30/2008 -1,024.73 € -44.87 € -979.86 € 6,012.61 € -1,024.73 €
91 7/31/2008 -1,024.73 € -38.58 € -986.15 € 5,026.46 € -1,024.73 €
92 8/31/2008 -1,024.73 € -32.25 € -992.47 € 4,033.99 € -1,024.73 €
93 9/30/2008 -1,024.73 € -25.88 € -998.84 € 3,035.15 € -1,024.73 €
94 10/31/2008 -1,024.73 € -19.48 € -1,005.25 € 2,029.90 € -1,024.73 €
95 11/30/2008 -1,024.73 € -13.03 € -1,011.70 € 1,018.19 € -1,024.73 €
96 12/31/2008 -1,024.73 € -6.53 € -1,018.19 € 0.00 € -1,024.73 €
TAE
7.98% XIRR
AER Cash
Flows
73275
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €
-1,024.73 €