Housing Loan Amortization Factor (In Months)

Principal and Interest Only

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Housing Loan Amortization Factor (In Months)
Principal and Interest Only

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Housing Loan Amortization Factor (In Months)
Principal and Interest Only

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Principal and Interest Only

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Housing Loan Amortization Factor (In Months)
Principal and Interest Only

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Housing Loan Amortization Factor (In Months)
Principal and Interest Only

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Housing Loan Amortization Factor (In Months)
Principal and Interest Only

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Principal and Interest Only

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Housing Loan Amortization Factor (In Months)

Principal and Interest Only

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Housing Loan Amortization Factor (In Months)

Principal and Interest Only

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Note:
If the the loan term is 24 months, the re-pricing period of every 5 years is not available to the borrower considering that this is unfavorable to him.
However, if the loan term is more than 36 months, the re-pricing period of every 5 years is now available to the borrower. This option may become favorable
lunfavorable depending on the status of the market upon re-pricing at the end of the 3rd year. The option is given to the borrower depending on his risk tolerance.
This set-up is also applicable to the following scenario:
Loan Term Available Re-pricing Period
> 12 months 1&3
> 36 months 1,3 & 5
> 60 months 1,3,5, & 10
> 120 months 1,3, 5, 10, & 15
> 180 months 1,3,5,10,15,&20
> 240 months 1,3,5,10,15,20, & 25
> 300 months 1,3,5, 10, 15,20,25, & 30

Instruction in using the above amortization factor table:

To get the applicable monthly amortization for a certain loan amount, simply perform the following:
1. Determine the loan amount: 6,000,000.00
2. Determine the loan term (months): 220 months
3. Determine the re-pricing period: 1-year
4. Get the corresponding amortization from the table above using the preferred loan term and re-pricing period: 0.007225448
5. Multiply the loan amount with the corresponding amortization factor to get the monthly amortization: 43,352.6886

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