A |
B |
C |
D |
E |
F |
G |
H |
I |
J |
K |
L |
M |
N |
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2 |
Amortising Loan |
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3 |
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4 |
Start Date |
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15 Dec 03 |
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5 |
Annual Date
Sequence |
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20 |
-1.10 |
-4.10 |
-7.10 |
-10.10 |
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6 |
Interest Rates |
Annual Rate |
10.00%
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12.00%
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10.00%
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7 |
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From |
15 Dec 03 |
1 Jan 04 |
1 Apr 05 |
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8 |
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15 Dec 03 |
1 Apr 05 |
1 Apr 07 |
1 Apr 09 |
1 Apr 11 |
1 Apr 13 |
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9 |
Drawdowns
(Repayments) |
1,000 |
(200) |
(200) |
(200) |
(200) |
(200) |
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10 |
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11 |
IRR |
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11.04% |
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12 |
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13 |
Notes: |
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14 |
n The date sequence is in the form mm.dd, -ve
if in arrears. The value of 20 is a
Business Day Switch to skip weekends (optional) |
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15 |
n Where an interest rate changes between
dates, this version of Loan Amortisation does not time-average the rate. |
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16 |
n The ranges can be extended simply by insert
columns at about column I. |
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17 |
n
Business
Functions Used: NextDateSeq, DayName, MkPmts, FLevels (All Basic Edition) |
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18 |
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19 |
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Beginning |
Principal |
Interest |
Total |
Closing |
Interest |
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20 |
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Balance |
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Balance |
Rate |
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21 |
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22 |
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23 |
15 Dec 03 |
Monday |
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1,000 |
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1,000 |
1,000 |
10.00% |
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24 |
12 Jan 04 |
Monday |
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1,000 |
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(8) |
(8) |
1,000 |
12.00% |
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25 |
12 Apr 04 |
Monday |
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1,000 |
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(30) |
(30) |
1,000 |
12.00% |
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26 |
12 Jul 04 |
Monday |
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1,000 |
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(30) |
(30) |
1,000 |
12.00% |
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27 |
11 Oct 04 |
Monday |
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1,000 |
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(30) |
(30) |
1,000 |
12.00% |
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28 |
10 Jan 05 |
Monday |
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1,000 |
(200) |
(30) |
(230) |
800 |
12.00% |
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29 |
11 Apr 05 |
Monday |
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800 |
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(24) |
(24) |
800 |
10.00% |
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30 |
11 Jul 05 |
Monday |
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800 |
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(20) |
(20) |
800 |
10.00% |
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31 |
10 Oct 05 |
Monday |
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800 |
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(20) |
(20) |
800 |
10.00% |
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32 |
10 Jan 06 |
Tuesday |
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800 |
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(20) |
(20) |
800 |
10.00% |
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33 |
10 Apr 06 |
Monday |
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800 |
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(20) |
(20) |
800 |
10.00% |
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34 |
10 Jul 06 |
Monday |
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800 |
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(20) |
(20) |
800 |
10.00% |
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35 |
10 Oct 06 |
Tuesday |
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800 |
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(20) |
(20) |
800 |
10.00% |
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36 |
10 Jan 07 |
Wednesday |
800 |
(200) |
(20) |
(220) |
600 |
10.00% |
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37 |
10 Apr 07 |
Tuesday |
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600 |
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(15) |
(15) |
600 |
10.00% |
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38 |
10 Jul 07 |
Tuesday |
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600 |
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(15) |
(15) |
600 |
10.00% |
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39 |
10 Oct 07 |
Wednesday |
600 |
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(15) |
(15) |
600 |
10.00% |
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40 |
10 Jan 08 |
Thursday |
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600 |
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(15) |
(15) |
600 |
10.00% |
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41 |
10 Apr 08 |
Thursday |
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600 |
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(15) |
(15) |
600 |
10.00% |
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42 |
10 Jul 08 |
Thursday |
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600 |
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(15) |
(15) |
600 |
10.00% |
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43 |
10 Oct 08 |
Friday |
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600 |
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(15) |
(15) |
600 |
10.00% |
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44 |
12 Jan 09 |
Monday |
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600 |
(200) |
(15) |
(215) |
400 |
10.00% |
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45 |
10 Apr 09 |
Friday |
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400 |
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(10) |
(10) |
400 |
10.00% |
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46 |
10 Jul 09 |
Friday |
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400 |
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(10) |
(10) |
400 |
10.00% |
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47 |
12 Oct 09 |
Monday |
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400 |
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(10) |
(10) |
400 |
10.00% |
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48 |
11 Jan 10 |
Monday |
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400 |
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(10) |
(10) |
400 |
10.00% |
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49 |
12 Apr 10 |
Monday |
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400 |
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(10) |
(10) |
400 |
10.00% |
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50 |
12 Jul 10 |
Monday |
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400 |
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(10) |
(10) |
400 |
10.00% |
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