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This is a sample analysis.

RE: Request for FREE Vehicle Loan Analysis

You have supplied the following info :

Total Loan Amount : $106,000
Total Period of Loan : 120 months
Fixed Interest Rate : 2.73 %

We have computed the following :

Monthly Installment : $1,124 ( = Principal ($883 ) + Interest ($241 ) )
Effective Interest Rate : 5.09 % (Monthly Rest Rate, as opposed to the Fixed Interest Rate of 2.73 %)


Schedule Showing Redemption Amount (Full Settlement) Over The Entire Period of Loan

* Difference = Total Installment Left less Redemption Amount
# this Redemption Amount, or Full Settlement, is based on MAS Rule of 78. You are STRONGLY advised to confirm with your finance company, which may impose other terms.

S/N Months Paid Months Left Total Installment Paid ($) Total Installment Left ($) Redemption Amount ($) # Difference *($) Remarks
1 1 119 $1,124 $133,761 $105,353 $28,408  
2 2 118 $2,248 $132,637 $104,703 $27,934  
3 3 117 $3,372 $131,513 $104,048 $27,465  
4 4 116 $4,496 $130,389 $103,390 $26,999  
5 5 115 $5,620 $129,265 $102,727 $26,538  
6 6 114 $6,744 $128,141 $102,061 $26,080  
7 7 113 $7,868 $127,017 $101,390 $25,626  
8 8 112 $8,992 $125,893 $100,716 $25,177  
9 9 111 $10,116 $124,769 $100,037 $24,731  
10 10 110 $11,240 $123,645 $99,355 $24,290  
11 11 109 $12,364 $122,521 $98,669 $23,852  
12 12 108 $13,489 $121,397 $97,978 $23,418  
13 13 107 $14,613 $120,272 $97,284 $22,989  
14 14 106 $15,737 $119,148 $96,585 $22,563  
15 15 105 $16,861 $118,024 $95,883 $22,141  
16 16 104 $17,985 $116,900 $95,177 $21,723  
17 17 103 $19,109 $115,776 $94,467 $21,310  
18 18 102 $20,233 $114,652 $93,752 $20,900  
19 19 101 $21,357 $113,528 $93,034 $20,494  
20 20 100 $22,481 $112,404 $92,312 $20,092  
21 21 99 $23,605 $111,280 $91,586 $19,694  
22 22 98 $24,729 $110,156 $90,856 $19,300  
23 23 97 $25,853 $109,032 $90,122 $18,911  
24 24 96 $26,977 $107,908 $89,383 $18,525  
25 25 95 $28,101 $106,784 $88,641 $18,143  
26 26 94 $29,225 $105,660 $87,895 $17,765  
27 27 93 $30,349 $104,536 $87,145 $17,391  
28 28 92 $31,473 $103,412 $86,391 $17,021  
29 29 91 $32,597 $102,288 $85,633 $16,655  
30 30 90 $33,721 $101,164 $84,871 $16,293  
31 31 89 $34,845 $100,040 $84,105 $15,934  
32 32 88 $35,969 $98,916 $83,335 $15,580  
33 33 87 $37,093 $97,792 $82,561 $15,230  
34 34 86 $38,217 $96,668 $81,783 $14,884  
35 35 85 $39,341 $95,544 $81,002 $14,542  
36 36 84 $40,466 $94,420 $80,216 $14,204  
37 37 83 $41,590 $93,295 $79,426 $13,870  
38 38 82 $42,714 $92,171 $78,632 $13,539  
39 39 81 $43,838 $91,047 $77,834 $13,213  
40 40 80 $44,962 $89,923 $77,033 $12,891  
41 41 79 $46,086 $88,799 $76,227 $12,573  
42 42 78 $47,210 $87,675 $75,417 $12,258  
43 43 77 $48,334 $86,551 $74,603 $11,948  
44 44 76 $49,458 $85,427 $73,786 $11,642  
45 45 75 $50,582 $84,303 $72,964 $11,339  
46 46 74 $51,706 $83,179 $72,138 $11,041  
47 47 73 $52,830 $82,055 $71,309 $10,746  
48 48 72 $53,954 $80,931 $70,475 $10,456  
49 49 71 $55,078 $79,807 $69,638 $10,169  
50 50 70 $56,202 $78,683 $68,796 $9,887  
51 51 69 $57,326 $77,559 $67,950 $9,608  
52 52 68 $58,450 $76,435 $67,101 $9,334  
53 53 67 $59,574 $75,311 $66,247 $9,063  
54 54 66 $60,698 $74,187 $65,390 $8,797  
55 55 65 $61,822 $73,063 $64,529 $8,534  
56 56 64 $62,946 $71,939 $63,663 $8,276  
57 57 63 $64,070 $70,815 $62,794 $8,021  
58 58 62 $65,194 $69,691 $61,920 $7,770  
59 59 61 $66,318 $68,567 $61,043 $7,524  
60 60 60 $67,443 $67,443 $60,162 $7,281  
61 61 59 $68,567 $66,318 $59,276 $7,042  
62 62 58 $69,691 $65,194 $58,387 $6,807  
63 63 57 $70,815 $64,070 $57,494 $6,577  
64 64 56 $71,939 $62,946 $56,596 $6,350  
65 65 55 $73,063 $61,822 $55,695 $6,127  
66 66 54 $74,187 $60,698 $54,790 $5,908  
67 67 53 $75,311 $59,574 $53,881 $5,693  
68 68 52 $76,435 $58,450 $52,968 $5,483  
69 69 51 $77,559 $57,326 $52,050 $5,276  
70 70 50 $78,683 $56,202 $51,129 $5,073  
71 71 49 $79,807 $55,078 $50,204 $4,874  
72 72 48 $80,931 $53,954 $49,275 $4,679  
73 73 47 $82,055 $52,830 $48,342 $4,488  
74 74 46 $83,179 $51,706 $47,405 $4,301  
75 75 45 $84,303 $50,582 $46,464 $4,118  
76 76 44 $85,427 $49,458 $45,519 $3,939  
77 77 43 $86,551 $48,334 $44,570 $3,764  
78 78 42 $87,675 $47,210 $43,617 $3,593  
79 79 41 $88,799 $46,086 $42,660 $3,426  
80 80 40 $89,923 $44,962 $41,699 $3,262  
81 81 39 $91,047 $43,838 $40,734 $3,103  
82 82 38 $92,171 $42,714 $39,765 $2,948  
83 83 37 $93,295 $41,590 $38,793 $2,797  
84 84 36 $94,420 $40,466 $37,816 $2,650  
85 85 35 $95,544 $39,341 $36,835 $2,507  
86 86 34 $96,668 $38,217 $35,850 $2,367  
87 87 33 $97,792 $37,093 $34,861 $2,232  
88 88 32 $98,916 $35,969 $33,869 $2,101  
89 89 31 $100,040 $34,845 $32,872 $1,973  
90 90 30 $101,164 $33,721 $31,871 $1,850  
91 91 29 $102,288 $32,597 $30,866 $1,731  
92 92 28 $103,412 $31,473 $29,858 $1,615  
93 93 27 $104,536 $30,349 $28,845 $1,504  
94 94 26 $105,660 $29,225 $27,829 $1,397  
95 95 25 $106,784 $28,101 $26,808 $1,293  
96 96 24 $107,908 $26,977 $25,783 $1,194  
97 97 23 $109,032 $25,853 $24,755 $1,098  
98 98 22 $110,156 $24,729 $23,722 $1,007  
99 99 21 $111,280 $23,605 $22,686 $919  
100 100 20 $112,404 $22,481 $21,645 $836  
101 101 19 $113,528 $21,357 $20,601 $756  
102 102 18 $114,652 $20,233 $19,552 $680  
103 103 17 $115,776 $19,109 $18,500 $609  
104 104 16 $116,900 $17,985 $17,444 $541  
105 105 15 $118,024 $16,861 $16,383 $477  
106 106 14 $119,148 $15,737 $15,319 $418  
107 107 13 $120,272 $14,613 $14,250 $362  
108 108 12 $121,397 $13,489 $13,178 $310  
109 109 11 $122,521 $12,364 $12,102 $263  
110 110 10 $123,645 $11,240 $11,022 $219  
111 111 9 $124,769 $10,116 $9,937 $179  
112 112 8 $125,893 $8,992 $8,849 $143  
113 113 7 $127,017 $7,868 $7,757 $111  
114 114 6 $128,141 $6,744 $6,661 $84  
115 115 5 $129,265 $5,620 $5,561 $60  
116 116 4 $130,389 $4,496 $4,456 $40  
117 117 3 $131,513 $3,372 $3,348 $24  
118 118 2 $132,637 $2,248 $2,236 $12  
119 119 1 $133,761 $1,124 $1,120 $4  
120 120 0 $134,885 $0 $0 $0