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LCP 58,000 Jul 03

NDP 8,500
AF(PRINCIPAL) 49,500 =B2-B3
RATE 0.034179 =RATE(TERM,MA,-PRINCIPAL)
TERM 24
M/A 3,056 =PMT(B5,B6,-B4)

MOS. PAID M/A INTEREST PRINCIPAL ACCELERATED


AMOUNT
=$B$7 =H12*$B$5 =B13-D13 49,500.00
1 3,056 1,691.88 1,364.12 48,135.88
2 3,056 1,645.26 1,410.74 46,725.14
3 3,056 1,597.04 1,458.96 45,266.18
4 3,056 1,547.17 1,508.83 43,757.35
5 3,056 1,495.60 1,560.40 42,196.96
6 3,056 1,442.27 1,613.73 40,583.23
7 3,056 1,387.11 1,668.89 38,914.34
8 3,056 1,330.07 1,725.93 37,188.41
9 3,056 1,271.08 1,784.92 35,403.49
10 3,056 1,210.07 1,845.93 33,557.56
11 3,056 1,146.98 1,909.02 31,648.54
12 3,056 1,081.73 1,974.27 29,674.27
13 3,056 1,014.25 2,041.75 27,632.52
14 3,056 944.46 2,111.54 25,520.99
15 3,056 872.29 2,183.71 23,337.28
16 3,056 797.66 2,258.34 21,078.93
17 3,056 720.47 2,335.53 18,743.40
18 3,056 640.64 2,415.36 16,328.04
19 3,056 558.08 2,497.92 13,830.12
20 3,056 472.71 2,583.29 11,246.83
21 3,056 384.41 2,671.59 8,575.24
22 3,056 293.10 2,762.90 5,812.34
23 3,056 198.66 2,857.34 2,955.00
24 3,056 101.00 2,955.00 -
25 3,056 - 3,056.00 (3,056.00)
26 3,056 (104.45) 3,160.45 (6,216.45)
27 3,056 (212.47) 3,268.47 (9,484.93)
28 3,056 (324.19) 3,380.19 (12,865.12)
29 3,056 (439.72) 3,495.72 (16,360.84)
30 3,056 (559.20) 3,615.20 (19,976.04)
31 3,056 (682.77) 3,738.77 (23,714.81)
32 3,056 (810.56) 3,866.56 (27,581.37)
33 3,056 (942.72) 3,998.72 (31,580.09)
34 3,056 (1,079.39) 4,135.39 (35,715.48)
35 3,056 (1,220.74) 4,276.74 (39,992.22)
36 3,056 (1,366.91) 4,422.91 (44,415.13)
37
sample:
78895 balance ddto sa nsa b-4 sa month na g accelerate
54593 kani cia remaining mos. Nya g times sa new ma,,,
24302 mao n ciya entry han,adtu sa system
LCP 72,214 Jul 03
NDP 1,000
AF(PRINCIPAL) 71,214 =B2-B3
RATE 0.032385 =RATE(TERM,MA,-PRINCIPAL)
TERM 36
M/A 3,379 =PMT(B5,B6,-B4)

MOS. PAID M/A INTEREST PRINCIPAL ACCELERATED


AMOUNT
=$B$7 =H12*$B$5 =B13-D13 71,214.00
1 3,379 2,306.29 1,072.71 70,141.29
2 3,379 2,271.55 1,107.45 69,033.84
3 3,379 2,235.69 1,143.31 67,890.53
4 3,379 2,198.66 1,180.34 66,710.18
5 3,379 2,160.43 1,218.57 65,491.62
6 3,379 2,120.97 1,258.03 64,233.59
7 3,379 2,080.23 1,298.77 62,934.81
8 3,379 2,038.17 1,340.83 61,593.98
9 3,379 1,994.74 1,384.26 60,209.72
10 3,379 1,949.91 1,429.09 58,780.63
11 3,379 1,903.63 1,475.37 57,305.27
12 3,379 1,855.85 1,523.15 55,782.12
13 3,379 1,806.52 1,572.48 54,209.64
14 3,379 1,755.60 1,623.40 52,586.24
15 3,379 1,703.02 1,675.98 50,910.26
16 3,379 1,648.75 1,730.25 49,180.01
17 3,379 1,592.71 1,786.29 47,393.72
18 3,379 1,534.86 1,844.14 45,549.58
19 3,379 1,475.14 1,903.86 43,645.72
20 3,379 1,413.48 1,965.52 41,680.20
21 3,379 1,349.83 2,029.17 39,651.03
22 3,379 1,284.11 2,094.89 37,556.14
23 3,379 1,216.27 2,162.73 35,393.41
24 3,379 1,146.23 2,232.77 33,160.64
25 3,379 1,073.92 2,305.08 30,855.56
26 3,379 999.27 2,379.73 28,475.83
27 3,379 922.20 2,456.80 26,019.03
28 3,379 842.64 2,536.36 23,482.66
29 3,379 760.49 2,618.51 20,864.16
30 3,379 675.69 2,703.31 18,160.85
31 3,379 588.15 2,790.85 15,370.00
32 3,379 497.76 2,881.24 12,488.76
33 3,379 404.45 2,974.55 9,514.21
34 3,379 308.12 3,070.88 6,443.33
35 3,379 208.67 3,170.33 3,273.00
36 3,379 106.00 3,273.00 0.00
37
LCP 73,900 Jul 03
NDP 26,850
AF(PRINCIPAL) 47,050 =B2-B3
RATE 0.051685 =RATE(TERM,MA,-PRINCIPAL)
TERM 12
M/A 5,359 =PMT(B5,B6,-B4)

MOS. PAID M/A INTEREST PRINCIPAL ACCELERATED


AMOUNT
=$B$7 =H12*$B$5 =B13-D13 47,050.00
1 5,359 2,431.78 2,927.22 44,122.78
2 5,359 2,280.48 3,078.52 41,044.26
3 5,359 2,121.37 3,237.63 37,806.63
4 5,359 1,954.03 3,404.97 34,401.66
5 5,359 1,778.05 3,580.95 30,820.71
6 5,359 1,592.97 3,766.03 27,054.68
7 5,359 1,398.32 3,960.68 23,094.00
8 5,359 1,193.61 4,165.39 18,928.61
9 5,359 978.32 4,380.68 14,547.93
10 5,359 751.91 4,607.09 9,940.84
11 5,359 513.79 4,845.21 5,095.63
12 5,359 263.37 5,095.63 (0.00)
13 5,359 (0.00) 5,359.00 (5,359.00)
14 5,359 (276.98) 5,635.98 (10,994.98)
15 5,359 (568.27) 5,927.27 (16,922.25)
16 5,359 (874.63) 6,233.63 (23,155.88)
17 5,359 (1,196.81) 6,555.81 (29,711.69)
18 5,359 (1,535.65) 6,894.65 (36,606.34)
19 5,359 (1,892.00) 7,251.00 (43,857.33)
20 5,359 (2,266.76) 7,625.76 (51,483.10)
21 5,359 (2,660.90) 8,019.90 (59,503.00)
22 5,359 (3,075.41) 8,434.41 (67,937.41)
23 5,359 (3,511.34) 8,870.34 (76,807.75)
24 5,359 (3,969.80) 9,328.80 (86,136.55)
25 5,359 (4,451.96) 9,810.96 (95,947.51)
26 5,359 (4,959.04) 10,318.04 (106,265.55)
27 5,359 (5,492.33) 10,851.33 (117,116.88)
28 5,359 (6,053.18) 11,412.18 (128,529.06)
29 5,359 (6,643.02) 12,002.02 (140,531.08)
30 5,359 (7,263.34) 12,622.34 (153,153.42)
31 5,359 (7,915.72) 13,274.72 (166,428.14)
32 5,359 (8,601.83) 13,960.83 (180,388.97)
33 5,359 (9,323.39) 14,682.39 (195,071.36)
34 5,359 (10,082.25) 15,441.25 (210,512.62)
35 5,359 (10,880.33) 16,239.33 (226,751.95)
36 5,359 (11,719.66) 17,078.66 (243,830.61)
37
sample:
78895 balance ddto sa nsa b-4 sa month na g accelerate
54593 kani cia remaining mos. Nya g times sa new ma,,,
24302 mao n ciya entry han,adtu sa system
LCP 49,900 Jul 03
NDP 1,000
AF(PRINCIPAL) 48,900 =B2-B3
RATE 0.046214 =RATE(TERM,MA,-PRINCIPAL)
TERM 36
M/A 2,813 =PMT(B5,B6,-B4)

MOS. PAID M/A INTEREST PRINCIPAL ACCELERATED


AMOUNT
=$B$7 =H12*$B$5 =B13-D13 48,900.00
1 2,813 2,259.87 553.13 48,346.87
2 2,813 2,234.30 578.70 47,768.17
3 2,813 2,207.56 605.44 47,162.73
4 2,813 2,179.58 633.42 46,529.31
5 2,813 2,150.31 662.69 45,866.62
6 2,813 2,119.68 693.32 45,173.30
7 2,813 2,087.64 725.36 44,447.94
8 2,813 2,054.12 758.88 43,689.06
9 2,813 2,019.05 793.95 42,895.10
10 2,813 1,982.36 830.64 42,064.46
11 2,813 1,943.97 869.03 41,195.43
12 2,813 1,903.81 909.19 40,286.23
13 2,813 1,861.79 951.21 39,335.02
14 2,813 1,817.83 995.17 38,339.85
15 2,813 1,771.84 1,041.16 37,298.69
16 2,813 1,723.72 1,089.28 36,209.41
17 2,813 1,673.38 1,139.62 35,069.80
18 2,813 1,620.72 1,192.28 33,877.51
19 2,813 1,565.62 1,247.38 32,630.13
20 2,813 1,507.97 1,305.03 31,325.10
21 2,813 1,447.66 1,365.34 29,959.76
22 2,813 1,384.56 1,428.44 28,531.32
23 2,813 1,318.55 1,494.45 27,036.87
24 2,813 1,249.48 1,563.52 25,473.35
25 2,813 1,177.23 1,635.77 23,837.58
26 2,813 1,101.63 1,711.37 22,126.21
27 2,813 1,022.54 1,790.46 20,335.75
28 2,813 939.80 1,873.20 18,462.54
29 2,813 853.23 1,959.77 16,502.77
30 2,813 762.66 2,050.34 14,452.43
31 2,813 667.91 2,145.09 12,307.34
32 2,813 568.77 2,244.23 10,063.11
33 2,813 465.06 2,347.94 7,715.17
34 2,813 356.55 2,456.45 5,258.72
35 2,813 243.03 2,569.97 2,688.74
36 2,813 124.26 2,688.74 (0.00)
37
sample:
78895 balance ddto sa nsa b-4 sa month na g accelerate
54593 kani cia remaining mos. Nya g times sa new ma,,,
24302 mao n ciya entry han,adtu sa system
LCP 38,340 Jul 03
NDP
AF(PRINCIPAL) 38,340 =B2-B3
RATE 0.046214 =RATE(TERM,MA,-PRINCIPAL)
TERM 12
M/A 2,813 =PMT(B5,B6,-B4)

MOS. PAID M/A INTEREST PRINCIPAL ACCELERATED


AMOUNT
=$B$7 =H12*$B$5 =B13-D13 38,339.85
1 2,813 1,771.84 1,041.16 37,298.69
2 2,813 1,723.72 1,089.28 36,209.41
3 2,813 1,673.38 1,139.62 35,069.80
4 2,813 1,620.72 1,192.28 33,877.51
5 2,813 1,565.62 1,247.38 32,630.13
6 2,813 1,507.97 1,305.03 31,325.10
7 2,813 1,447.66 1,365.34 29,959.76
8 2,813 1,384.56 1,428.44 28,531.32
9 2,813 1,318.55 1,494.45 27,036.87
10 2,813 1,249.48 1,563.52 25,473.35
11 2,813 1,177.23 1,635.77 23,837.58
12 2,813 1,101.63 1,711.37 22,126.21
13 2,813 1,022.54 1,790.46 20,335.75
14 2,813 939.80 1,873.20 18,462.54
15 2,813 853.23 1,959.77 16,502.77
16 2,813 762.66 2,050.34 14,452.43
17 2,813 667.91 2,145.09 12,307.34
18 2,813 568.77 2,244.23 10,063.11
19 2,813 465.06 2,347.94 7,715.17
20 2,813 356.55 2,456.45 5,258.72
21 2,813 243.03 2,569.97 2,688.74
22 2,813 124.26 2,688.74 (0.00)
23 2,813 (0.00) 2,813.00 (2,813.00)
24 2,813 (130.00) 2,943.00 (5,756.00)
25 2,813 (266.01) 3,079.01 (8,835.01)
26 2,813 (408.30) 3,221.30 (12,056.31)
27 2,813 (557.17) 3,370.17 (15,426.48)
28 2,813 (712.92) 3,525.92 (18,952.40)
29 2,813 (875.87) 3,688.87 (22,641.27)
30 2,813 (1,046.34) 3,859.34 (26,500.61)
31 2,813 (1,224.70) 4,037.70 (30,538.31)
32 2,813 (1,411.30) 4,224.30 (34,762.61)
33 2,813 (1,606.52) 4,419.52 (39,182.13)
34 2,813 (1,810.76) 4,623.76 (43,805.89)
35 2,813 (2,024.45) 4,837.45 (48,643.34)
36 2,813 (2,248.00) 5,061.00 (53,704.35)
37
sample:
78895 balance ddto sa nsa b-4 sa month na g accelerate
54593 kani cia remaining mos. Nya g times sa new ma,,,
24302 mao n ciya entry han,adtu sa system
LCP 49,900 Jul 03
NDP 1,000
AF(PRINCIPAL) 48,900 =B2-B3
RATE 0.046214 =RATE(TERM,MA,-PRINCIPAL)
TERM 36
M/A 2,813 =PMT(B5,B6,-B4)

MOS. PAID M/A INTEREST PRINCIPAL ACCELERATED


AMOUNT
=$B$7 =H12*$B$5 =B13-D13 48,900.00
1 2,813 2,259.87 553.13 48,346.87
2 2,813 2,234.30 578.70 47,768.17
3 2,813 2,207.56 605.44 47,162.73
4 2,813 2,179.58 633.42 46,529.31
5 2,813 2,150.31 662.69 45,866.62
6 2,813 2,119.68 693.32 45,173.30
7 2,813 2,087.64 725.36 44,447.94
8 2,813 2,054.12 758.88 43,689.06
9 2,813 2,019.05 793.95 42,895.10
10 2,813 1,982.36 830.64 42,064.46
11 2,813 1,943.97 869.03 41,195.43
12 2,813 1,903.81 909.19 40,286.23
13 2,813 1,861.79 951.21 39,335.02
14 2,813 1,817.83 995.17 38,339.85
15 2,813 1,771.84 1,041.16 37,298.69
16 2,813 1,723.72 1,089.28 36,209.41
17 2,813 1,673.38 1,139.62 35,069.80
18 2,813 1,620.72 1,192.28 33,877.51
19 2,813 1,565.62 1,247.38 32,630.13
20 2,813 1,507.97 1,305.03 31,325.10
21 2,813 1,447.66 1,365.34 29,959.76
22 2,813 1,384.56 1,428.44 28,531.32
23 2,813 1,318.55 1,494.45 27,036.87
24 2,813 1,249.48 1,563.52 25,473.35
25 2,813 1,177.23 1,635.77 23,837.58
26 2,813 1,101.63 1,711.37 22,126.21
27 2,813 1,022.54 1,790.46 20,335.75
28 2,813 939.80 1,873.20 18,462.54
29 2,813 853.23 1,959.77 16,502.77
30 2,813 762.66 2,050.34 14,452.43
31 2,813 667.91 2,145.09 12,307.34
32 2,813 568.77 2,244.23 10,063.11
33 2,813 465.06 2,347.94 7,715.17
34 2,813 356.55 2,456.45 5,258.72
35 2,813 243.03 2,569.97 2,688.74
36 2,813 124.26 2,688.74 0.00
37
sample:
78895 balance ddto sa nsa b-4 sa month na g accelerate
54593 kani cia remaining mos. Nya g times sa new ma,,,
24302 mao n ciya entry han,adtu sa system
LCP 47,163 Jul 03
NDP
AF(PRINCIPAL) 47,163 =B2-B3
RATE 0.046214 =RATE(TERM,MA,-PRINCIPAL)
TERM 24
M/A 3,293 =PMT(B5,B6,-B4)

MOS. PAID M/A INTEREST PRINCIPAL ACCELERATED


AMOUNT
=$B$7 =H12*$B$5 =B13-D13 47,162.73
1 3,293 2,179.58 1,113.57 46,049.16
2 3,293 2,128.12 1,165.04 44,884.12
3 3,293 2,074.28 1,218.88 43,665.24
4 3,293 2,017.95 1,275.21 42,390.03
5 3,293 1,959.01 1,334.14 41,055.89
6 3,293 1,897.36 1,395.80 39,660.10
7 3,293 1,832.85 1,460.30 38,199.80
8 3,293 1,765.37 1,527.79 36,672.01
9 3,293 1,694.76 1,598.39 35,073.62
10 3,293 1,620.89 1,672.26 33,401.36
11 3,293 1,543.61 1,749.54 31,651.82
12 3,293 1,462.76 1,830.40 29,821.42
13 3,293 1,378.17 1,914.99 27,906.44
14 3,293 1,289.67 2,003.48 25,902.95
15 3,293 1,197.08 2,096.07 23,806.88
16 3,293 1,100.21 2,192.94 21,613.93
17 3,293 998.87 2,294.29 19,319.65
18 3,293 892.84 2,400.31 16,919.33
19 3,293 781.91 2,511.24 14,408.09
20 3,293 665.86 2,627.30 11,780.79
21 3,293 544.44 2,748.72 9,032.08
22 3,293 417.41 2,875.75 6,156.33
23 3,293 284.51 3,008.64 3,147.69
24 3,293 145.47 3,147.69 0.00
25 3,293 0.00 3,293.15 (3,293.15)
26 3,293 (152.19) 3,445.34 (6,738.50)
27 3,293 (311.41) 3,604.57 (10,343.06)
28 3,293 (477.99) 3,771.15 (14,114.21)
29 3,293 (652.27) 3,945.43 (18,059.64)
30 3,293 (834.61) 4,127.76 (22,187.40)
31 3,293 (1,025.37) 4,318.52 (26,505.93)
32 3,293 (1,224.95) 4,518.10 (31,024.03)
33 3,293 (1,433.75) 4,726.90 (35,750.92)
34 3,293 (1,652.19) 4,945.35 (40,696.27)
35 3,293 (1,880.74) 5,173.89 (45,870.16)
36 3,293 (2,119.85) 5,413.00 (51,283.16)
37
sample:
78895 balance ddto sa nsa b-4 sa month na g accelerate
54593 kani cia remaining mos. Nya g times sa new ma,,,
24302 mao n ciya entry han,adtu sa system