Annual interest

Amount to borrow
Months

4%
100,000.00
300

Monthly overpayment
100

Standard amortization scenario

Overpayment scenario
Total interest paid
-58,351.05
Total interest paid
Total repaid
-158,351.05
Total repaid
Month
Balance
Capital repayment Interest payment Total Payment Overpayment
1
100,000.00
-194.50
-333.33
-527.84
-100.00
2
99,805.50
-195.15
-332.68
-527.84
-100.00
3
99,610.34
-195.80
-332.03
-527.84
-100.00
4
99,414.54
-196.46
-331.38
-527.84
-100.00
5
99,218.09
-197.11
-330.73
-527.84
-100.00
6
99,020.98
-197.77
-330.07
-527.84
-100.00
7
98,823.21
-198.43
-329.41
-527.84
-100.00
8
98,624.78
-199.09
-328.75
-527.84
-100.00
9
98,425.70
-199.75
-328.09
-527.84
-100.00
10
98,225.95
-200.42
-327.42
-527.84
-100.00
11
98,025.53
-201.09
-326.75
-527.84
-100.00
12
97,824.44
-201.76
-326.08
-527.84
-100.00
13
97,622.69
-202.43
-325.41
-527.84
-100.00
14
97,420.26
-203.10
-324.73
-527.84
-100.00
15
97,217.16
-203.78
-324.06
-527.84
-100.00
16
97,013.38
-204.46
-323.38
-527.84
-100.00
17
96,808.92
-205.14
-322.70
-527.84
-100.00
18
96,603.78
-205.82
-322.01
-527.84
-100.00
19
96,397.95
-206.51
-321.33
-527.84
-100.00
20
96,191.44
-207.20
-320.64
-527.84
-100.00
21
95,984.25
-207.89
-319.95
-527.84
-100.00
22
95,776.36
-208.58
-319.25
-527.84
-100.00
23
95,567.77
-209.28
-318.56
-527.84
-100.00
24
95,358.50
-209.98
-317.86
-527.84
-100.00
25
95,148.52
-210.68
-317.16
-527.84
-100.00
26
94,937.85
-211.38
-316.46
-527.84
-100.00
27
94,726.47
-212.08
-315.75
-527.84
-100.00
28
94,514.39
-212.79
-315.05
-527.84
-100.00
29
94,301.60
-213.50
-314.34
-527.84
-100.00
30
94,088.10
-214.21
-313.63
-527.84
-100.00
31
93,873.89
-214.92
-312.91
-527.84
-100.00
32
93,658.97
-215.64
-312.20
-527.84
-100.00
33
93,443.33
-216.36
-311.48
-527.84
-100.00
34
93,226.97
-217.08
-310.76
-527.84
-100.00
35
93,009.89
-217.80
-310.03
-527.84
-100.00
36
92,792.08
-218.53
-309.31
-527.84
-100.00
37
92,573.55
-219.26
-308.58
-527.84
-100.00
38
92,354.29
-219.99
-307.85
-527.84
-100.00
39
92,134.30
-220.72
-307.11
-527.84
-100.00
40
91,913.58
-221.46
-306.38
-527.84
-100.00
41
91,692.12
-222.20
-305.64
-527.84
-100.00
42
91,469.93
-222.94
-304.90
-527.84
-100.00
43
91,246.99
-223.68
-304.16
-527.84
-100.00
44
91,023.31
-224.43
-303.41
-527.84
-100.00
45
90,798.88
-225.17
-302.66
-527.84
-100.00

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
85
86
87
88
89
90
91
92
93
94
95
96
97
98

90,573.71
90,347.79
90,121.11
89,893.68
89,665.48
89,436.53
89,206.82
88,976.34
88,745.09
88,513.07
88,280.27
88,046.70
87,812.36
87,577.23
87,341.32
87,104.62
86,867.13
86,628.85
86,389.77
86,149.90
85,909.23
85,667.76
85,425.48
85,182.40
84,938.50
84,693.79
84,448.27
84,201.93
83,954.76
83,706.78
83,457.96
83,208.32
82,957.84
82,706.53
82,454.38
82,201.39
81,947.56
81,692.88
81,437.36
81,180.98
80,923.74
80,665.65
80,406.70
80,146.89
79,886.21
79,624.66
79,362.23
79,098.94
78,834.77
78,569.71
78,303.77
78,036.95
77,769.24

-225.92
-226.68
-227.43
-228.19
-228.95
-229.72
-230.48
-231.25
-232.02
-232.79
-233.57
-234.35
-235.13
-235.91
-236.70
-237.49
-238.28
-239.07
-239.87
-240.67
-241.47
-242.28
-243.09
-243.90
-244.71
-245.52
-246.34
-247.16
-247.99
-248.81
-249.64
-250.48
-251.31
-252.15
-252.99
-253.83
-254.68
-255.53
-256.38
-257.23
-258.09
-258.95
-259.81
-260.68
-261.55
-262.42
-263.30
-264.17
-265.05
-265.94
-266.82
-267.71
-268.61

-301.91
-301.16
-300.40
-299.65
-298.88
-298.12
-297.36
-296.59
-295.82
-295.04
-294.27
-293.49
-292.71
-291.92
-291.14
-290.35
-289.56
-288.76
-287.97
-287.17
-286.36
-285.56
-284.75
-283.94
-283.13
-282.31
-281.49
-280.67
-279.85
-279.02
-278.19
-277.36
-276.53
-275.69
-274.85
-274.00
-273.16
-272.31
-271.46
-270.60
-269.75
-268.89
-268.02
-267.16
-266.29
-265.42
-264.54
-263.66
-262.78
-261.90
-261.01
-260.12
-259.23

-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84

-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00

99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151

77,500.63
77,231.13
76,960.73
76,689.43
76,417.22
76,144.11
75,870.09
75,595.15
75,319.30
75,042.52
74,764.83
74,486.21
74,206.66
73,926.18
73,644.76
73,362.41
73,079.11
72,794.87
72,509.68
72,223.55
71,936.45
71,648.41
71,359.40
71,069.42
70,778.49
70,486.58
70,193.70
69,899.84
69,605.00
69,309.18
69,012.37
68,714.58
68,415.79
68,116.01
67,815.22
67,513.44
67,210.64
66,906.84
66,602.03
66,296.20
65,989.35
65,681.48
65,372.58
65,062.65
64,751.69
64,439.69
64,126.65
63,812.57
63,497.44
63,181.26
62,864.03
62,545.74
62,226.39

-269.50
-270.40
-271.30
-272.21
-273.11
-274.02
-274.94
-275.85
-276.77
-277.70
-278.62
-279.55
-280.48
-281.42
-282.35
-283.30
-284.24
-285.19
-286.14
-287.09
-288.05
-289.01
-289.97
-290.94
-291.91
-292.88
-293.86
-294.84
-295.82
-296.81
-297.80
-298.79
-299.78
-300.78
-301.79
-302.79
-303.80
-304.81
-305.83
-306.85
-307.87
-308.90
-309.93
-310.96
-312.00
-313.04
-314.08
-315.13
-316.18
-317.23
-318.29
-319.35
-320.42

-258.34
-257.44
-256.54
-255.63
-254.72
-253.81
-252.90
-251.98
-251.06
-250.14
-249.22
-248.29
-247.36
-246.42
-245.48
-244.54
-243.60
-242.65
-241.70
-240.75
-239.79
-238.83
-237.86
-236.90
-235.93
-234.96
-233.98
-233.00
-232.02
-231.03
-230.04
-229.05
-228.05
-227.05
-226.05
-225.04
-224.04
-223.02
-222.01
-220.99
-219.96
-218.94
-217.91
-216.88
-215.84
-214.80
-213.76
-212.71
-211.66
-210.60
-209.55
-208.49
-207.42

-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84

-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00

152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204

61,905.98
61,584.49
61,261.94
60,938.31
60,613.60
60,287.81
59,960.93
59,632.96
59,303.90
58,973.74
58,642.49
58,310.12
57,976.65
57,642.07
57,306.38
56,969.56
56,631.62
56,292.56
55,952.36
55,611.03
55,268.57
54,924.96
54,580.20
54,234.30
53,887.25
53,539.03
53,189.66
52,839.12
52,487.42
52,134.54
51,780.48
51,425.25
51,068.83
50,711.22
50,352.42
49,992.43
49,631.23
49,268.83
48,905.22
48,540.40
48,174.37
47,807.11
47,438.63
47,068.92
46,697.98
46,325.81
45,952.39
45,577.73
45,201.82
44,824.65
44,446.23
44,066.55
43,685.60

-321.48
-322.56
-323.63
-324.71
-325.79
-326.88
-327.97
-329.06
-330.16
-331.26
-332.36
-333.47
-334.58
-335.70
-336.82
-337.94
-339.06
-340.19
-341.33
-342.47
-343.61
-344.75
-345.90
-347.06
-348.21
-349.37
-350.54
-351.71
-352.88
-354.06
-355.24
-356.42
-357.61
-358.80
-360.00
-361.20
-362.40
-363.61
-364.82
-366.04
-367.26
-368.48
-369.71
-370.94
-372.18
-373.42
-374.66
-375.91
-377.16
-378.42
-379.68
-380.95
-382.22

-206.35
-205.28
-204.21
-203.13
-202.05
-200.96
-199.87
-198.78
-197.68
-196.58
-195.47
-194.37
-193.26
-192.14
-191.02
-189.90
-188.77
-187.64
-186.51
-185.37
-184.23
-183.08
-181.93
-180.78
-179.62
-178.46
-177.30
-176.13
-174.96
-173.78
-172.60
-171.42
-170.23
-169.04
-167.84
-166.64
-165.44
-164.23
-163.02
-161.80
-160.58
-159.36
-158.13
-156.90
-155.66
-154.42
-153.17
-151.93
-150.67
-149.42
-148.15
-146.89
-145.62

-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84

-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00

205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257

43,303.38
42,919.89
42,535.12
42,149.07
41,761.73
41,373.09
40,983.17
40,591.94
40,199.41
39,805.57
39,410.42
39,013.95
38,616.16
38,217.05
37,816.60
37,414.82
37,011.70
36,607.23
36,201.42
35,794.25
35,385.73
34,975.85
34,564.60
34,151.97
33,737.98
33,322.60
32,905.84
32,487.69
32,068.14
31,647.20
31,224.86
30,801.10
30,375.93
29,949.35
29,521.35
29,091.91
28,661.05
28,228.75
27,795.01
27,359.82
26,923.18
26,485.09
26,045.54
25,604.52
25,162.03
24,718.07
24,272.62
23,825.70
23,377.28
22,927.37
22,475.95
22,023.04
21,568.61

-383.49
-384.77
-386.05
-387.34
-388.63
-389.93
-391.23
-392.53
-393.84
-395.15
-396.47
-397.79
-399.12
-400.45
-401.78
-403.12
-404.46
-405.81
-407.17
-408.52
-409.88
-411.25
-412.62
-414.00
-415.38
-416.76
-418.15
-419.54
-420.94
-422.35
-423.75
-425.17
-426.58
-428.01
-429.43
-430.86
-432.30
-433.74
-435.19
-436.64
-438.09
-439.55
-441.02
-442.49
-443.96
-445.44
-446.93
-448.42
-449.91
-451.41
-452.92
-454.43
-455.94

-144.34
-143.07
-141.78
-140.50
-139.21
-137.91
-136.61
-135.31
-134.00
-132.69
-131.37
-130.05
-128.72
-127.39
-126.06
-124.72
-123.37
-122.02
-120.67
-119.31
-117.95
-116.59
-115.22
-113.84
-112.46
-111.08
-109.69
-108.29
-106.89
-105.49
-104.08
-102.67
-101.25
-99.83
-98.40
-96.97
-95.54
-94.10
-92.65
-91.20
-89.74
-88.28
-86.82
-85.35
-83.87
-82.39
-80.91
-79.42
-77.92
-76.42
-74.92
-73.41
-71.90

-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84

-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00
-100.00

258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300

21,112.67
20,655.21
20,196.22
19,735.70
19,273.65
18,810.06
18,344.93
17,878.24
17,410.00
16,940.19
16,468.82
15,995.88
15,521.36
15,045.27
14,567.58
14,088.30
13,607.43
13,124.95
12,640.86
12,155.16
11,667.84
11,178.90
10,688.32
10,196.11
9,702.26
9,206.77
8,709.62
8,210.81
7,710.35
7,208.21
6,704.40
6,198.91
5,691.74
5,182.87
4,672.31
4,160.05
3,646.08
3,130.40
2,613.00
2,093.87
1,573.01
1,050.42
526.08

-457.46
-458.99
-460.52
-462.05
-463.59
-465.14
-466.69
-468.24
-469.80
-471.37
-472.94
-474.52
-476.10
-477.69
-479.28
-480.88
-482.48
-484.09
-485.70
-487.32
-488.94
-490.57
-492.21
-493.85
-495.50
-497.15
-498.80
-500.47
-502.14
-503.81
-505.49
-507.17
-508.86
-510.56
-512.26
-513.97
-515.68
-517.40
-519.13
-520.86
-522.59
-524.34
-526.08

-70.38
-68.85
-67.32
-65.79
-64.25
-62.70
-61.15
-59.59
-58.03
-56.47
-54.90
-53.32
-51.74
-50.15
-48.56
-46.96
-45.36
-43.75
-42.14
-40.52
-38.89
-37.26
-35.63
-33.99
-32.34
-30.69
-29.03
-27.37
-25.70
-24.03
-22.35
-20.66
-18.97
-17.28
-15.57
-13.87
-12.15
-10.43
-8.71
-6.98
-5.24
-3.50
-1.75

-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84
-527.84

thly overpayment

rpayment scenario
interest paid

120,000

-42,817.85
100,000
-142,946.80
Balance after Interest after ov Capital repayment w Difference in what you owe on anniversary
80,000
100,000.00
-333.33
-194.50
99,705.50
-332.35
-195.49
60,000
Amount owed
99,410.01
-331.37
-196.47
99,113.54
-330.38
-197.46
40,000
98,816.08
-329.39
-198.45
98,517.63
-328.39
-199.44
20,000
98,218.19
-327.39
-200.44
97,917.75
-326.39
-201.44
0
97,616.30
-325.39
-202.45
97,313.85
-324.38
-203.46
97,010.39
-323.37
-204.47
96,705.93
-322.35
-205.48
96,400.44
-321.33
-206.50
1,222.25
96,093.94
-320.31
-207.52
95,786.42
-319.29
-208.55
95,477.87
-318.26
-209.58
95,168.29
-317.23
-210.61
94,857.68
-316.19
-211.64
120,000
94,546.04
-315.15
-212.68
94,233.35
-314.11
-213.73
93,919.63
-313.07
-214.77
100,000
93,604.86
-312.02
-215.82
93,289.04
-310.96
-216.87
92,972.16
-309.91
-217.93
80,000
92,654.23
-308.85
-218.99
2,494.29
92,335.24
-307.78
-220.05
60,000
92,015.19
-306.72
-221.12
Amount owed
91,694.07
-305.65
-222.19
91,371.88
-304.57
-223.26
40,000
91,048.62
-303.50
-224.34
90,724.28
-302.41
-225.42
90,398.85
-301.33
-226.51
20,000
90,072.35
-300.24
-227.60
89,744.75
-299.15
-228.69
89,416.06
-298.05
-229.78
0
89,086.28
-296.95
-230.88
88,755.40
-295.85
-231.99
3,818.16
88,423.41
-294.74
-233.09
88,090.32
-293.63
-234.20
87,756.12
-292.52
-235.32
87,420.80
-291.40
-236.43
87,084.37
-290.28
-237.56
86,746.81
-289.16
-238.68
86,408.13
-288.03
-239.81
86,068.32
-286.89
-240.94

85,727.38
85,385.30
85,042.08
84,697.72
84,352.20
84,005.54
83,657.72
83,308.75
82,958.60
82,607.30
82,254.82
81,901.16
81,546.33
81,190.31
80,833.11
80,474.72
80,115.13
79,754.34
79,392.36
79,029.16
78,664.75
78,299.13
77,932.29
77,564.23
77,194.94
76,824.42
76,452.66
76,079.67
75,705.43
75,329.95
74,953.21
74,575.22
74,195.96
73,815.45
73,433.66
73,050.60
72,666.27
72,280.65
71,893.75
71,505.56
71,116.08
70,725.29
70,333.21
69,939.81
69,545.11
69,149.09
68,751.75
68,353.09
67,953.09
67,551.77
67,149.10
66,745.10
66,339.74

-285.76
-284.62
-283.47
-282.33
-281.17
-280.02
-278.86
-277.70
-276.53
-275.36
-274.18
-273.00
-271.82
-270.63
-269.44
-268.25
-267.05
-265.85
-264.64
-263.43
-262.22
-261.00
-259.77
-258.55
-257.32
-256.08
-254.84
-253.60
-252.35
-251.10
-249.84
-248.58
-247.32
-246.05
-244.78
-243.50
-242.22
-240.94
-239.65
-238.35
-237.05
-235.75
-234.44
-233.13
-231.82
-230.50
-229.17
-227.84
-226.51
-225.17
-223.83
-222.48
-221.13

-242.08
-243.22
-244.36
-245.51
-246.66
-247.82
-248.98
-250.14
-251.31
-252.48
-253.65
-254.83
-256.02
-257.20
-258.39
-259.59
-260.79
-261.99
-263.20
-264.41
-265.62
-266.84
-268.06
-269.29
-270.52
-271.76
-272.99
-274.24
-275.49
-276.74
-277.99
-279.25
-280.52
-281.79
-283.06
-284.33
-285.62
-286.90
-288.19
-289.48
-290.78
-292.09
-293.39
-294.70
-296.02
-297.34
-298.66
-299.99
-301.33
-302.66
-304.01
-305.35
-306.70

5,195.96

6,629.90

8,122.26

9,675.42

11,291.85

65,933.04
65,524.98
65,115.56
64,704.77
64,292.62
63,879.09
63,464.18
63,047.89
62,630.22
62,211.15
61,790.68
61,368.81
60,945.54
60,520.85
60,094.75
59,667.23
59,238.29
58,807.91
58,376.10
57,942.85
57,508.16
57,072.01
56,634.42
56,195.36
55,754.84
55,312.85
54,869.39
54,424.45
53,978.03
53,530.12
53,080.72
52,629.82
52,177.41
51,723.50
51,268.08
50,811.13
50,352.67
49,892.67
49,431.14
48,968.08
48,503.47
48,037.31
47,569.60
47,100.33
46,629.49
46,157.09
45,683.11
45,207.55
44,730.40
44,251.66
43,771.33
43,289.40
42,805.86

-219.78
-218.42
-217.05
-215.68
-214.31
-212.93
-211.55
-210.16
-208.77
-207.37
-205.97
-204.56
-203.15
-201.74
-200.32
-198.89
-197.46
-196.03
-194.59
-193.14
-191.69
-190.24
-188.78
-187.32
-185.85
-184.38
-182.90
-181.41
-179.93
-178.43
-176.94
-175.43
-173.92
-172.41
-170.89
-169.37
-167.84
-166.31
-164.77
-163.23
-161.68
-160.12
-158.57
-157.00
-155.43
-153.86
-152.28
-150.69
-149.10
-147.51
-145.90
-144.30
-142.69

-308.06
-309.42
-310.78
-312.15
-313.53
-314.91
-316.29
-317.68
-319.07
-320.47
-321.87
-323.27
-324.69
-326.10
-327.52
-328.95
-330.38
-331.81
-333.25
-334.69
-336.14
-337.60
-339.06
-340.52
-341.99
-343.46
-344.94
-346.42
-347.91
-349.40
-350.90
-352.40
-353.91
-355.43
-356.94
-358.47
-359.99
-361.53
-363.07
-364.61
-366.16
-367.71
-369.27
-370.84
-372.41
-373.98
-375.56
-377.15
-378.74
-380.33
-381.93
-383.54
-385.15

12,974.15

14,724.98

16,547.15

18,443.55

42,320.71
41,833.94
41,345.55
40,855.54
40,363.88
39,870.59
39,375.66
38,879.07
38,380.83
37,880.93
37,379.37
36,876.13
36,371.21
35,864.61
35,356.32
34,846.34
34,334.66
33,821.27
33,306.17
32,789.35
32,270.82
31,750.55
31,228.55
30,704.80
30,179.32
29,652.08
29,123.08
28,592.32
28,059.79
27,525.49
26,989.40
26,451.53
25,911.87
25,370.40
24,827.13
24,282.05
23,735.16
23,186.44
22,635.89
22,083.50
21,529.28
20,973.21
20,415.28
19,855.49
19,293.84
18,730.32
18,164.92
17,597.63
17,028.45
16,457.38
15,884.40
15,309.51
14,732.70

-141.07
-139.45
-137.82
-136.19
-134.55
-132.90
-131.25
-129.60
-127.94
-126.27
-124.60
-122.92
-121.24
-119.55
-117.85
-116.15
-114.45
-112.74
-111.02
-109.30
-107.57
-105.84
-104.10
-102.35
-100.60
-98.84
-97.08
-95.31
-93.53
-91.75
-89.96
-88.17
-86.37
-84.57
-82.76
-80.94
-79.12
-77.29
-75.45
-73.61
-71.76
-69.91
-68.05
-66.18
-64.31
-62.43
-60.55
-58.66
-56.76
-54.86
-52.95
-51.03
-49.11

-386.77
-388.39
-390.02
-391.65
-393.29
-394.93
-396.58
-398.24
-399.90
-401.57
-403.24
-404.92
-406.60
-408.29
-409.98
-411.68
-413.39
-415.10
-416.82
-418.54
-420.27
-422.00
-423.74
-425.49
-427.24
-429.00
-430.76
-432.53
-434.30
-436.09
-437.87
-439.67
-441.46
-443.27
-445.08
-446.90
-448.72
-450.55
-452.38
-454.23
-456.07
-457.93
-459.79
-461.65
-463.52
-465.40
-467.29
-469.18
-471.08
-472.98
-474.89
-476.81
-478.73

20,417.21

22,471.29

24,609.05

26,833.91

14,153.97
13,573.32
12,990.73
12,406.19
11,819.71
11,231.27
10,640.87
10,048.50
9,454.16
8,857.84
8,259.53
7,659.22
7,056.92
6,452.60
5,846.28
5,237.93
4,627.55
4,015.14
3,400.68
2,784.18
2,165.63
1,545.01
922.32
397.56

-47.18
-45.24
-43.30
-41.35
-39.40
-37.44
-35.47
-33.50
-31.51
-29.53
-27.53
-25.53
-23.52
-21.51
-19.49
-17.46
-15.43
-13.38
-11.34
-9.28
-7.22
-5.15
-3.07
-1.33

-480.66
-482.59
-484.53
-486.48
-488.44
-490.40
-492.37
-494.34
-496.32
-498.31
-500.31
-502.31
-504.31
-506.33
-508.35
-510.38
-512.41
-514.45
-516.50
-518.56
-520.62
-522.69
-524.76
-526.51

29,149.41

31,559.24

33,737.98

Repayment curves: Standard

120,000

(1,00

100,000

on anniversary
80,000

t owed

60,000
40,000
20,000
0

Repayment no.
Balance

Capital repayment

Interest payment

Repayment curves: Overpayment

0,000

0,000

0,000

0,000

wed

0,000

0,000

Total Payment

(1,000)

Repayment amount

Total Payment

(1,000)

Repayment amount