| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | Hypothetical Situation 1 | |||||||||||||||
2 | Year | Interest % | Earnings | PV Earnings | Payment | PV Payment | Cash | |||||||||
3 | Loan | Period | Interest | Total Interest | Total Loan | Yearly Payment | 0 | $ 16,000.00 | ||||||||
4 | 20000 | 10 | 0% | 0 | 20000 | 2000 | 1 | 3.6% | $ 576.00 | $ 555.98 | $ (2,000.00) | $ (1,930.50) | $ 14,576.00 | |||
5 | 2 | 3.6% | $ 524.74 | $ 488.90 | $ (2,000.00) | $ (1,863.42) | $ 13,100.74 | |||||||||
6 | Discouted 20% | 16000 | 3 | 3.6% | $ 471.63 | $ 424.15 | $ (2,000.00) | $ (1,798.67) | $ 11,572.36 | |||||||
7 | 4 | 3.6% | $ 416.61 | $ 361.65 | $ (2,000.00) | $ (1,736.16) | $ 9,988.97 | |||||||||
8 | 5 | 3.6% | $ 359.60 | $ 301.32 | $ (2,000.00) | $ (1,675.83) | $ 8,348.57 | |||||||||
9 | 6 | 3.6% | $ 300.55 | $ 243.08 | $ (2,000.00) | $ (1,617.60) | $ 6,649.12 | |||||||||
10 | 7 | 3.6% | $ 239.37 | $ 186.87 | $ (2,000.00) | $ (1,561.39) | $ 4,888.49 | |||||||||
11 | 8 | 3.6% | $ 175.99 | $ 132.62 | $ (2,000.00) | $ (1,507.13) | $ 3,064.47 | |||||||||
12 | 9 | 3.6% | $ 110.32 | $ 80.25 | $ (2,000.00) | $ (1,454.76) | $ 1,174.79 | |||||||||
13 | 10 | 3.6% | $ 42.29 | $ 29.69 | $ (2,000.00) | $ (1,404.21) | $ (782.91) | |||||||||
14 | $ 3,217.09 | $ 2,804.51 | $ (20,000.00) | $ (16,549.69) | Totals | |||||||||||
15 | ||||||||||||||||
16 | Hypothetical Situation 2 | |||||||||||||||
17 | Year | Interest % | Earnings | PV Earnings | Payment | PV Payment | Cash | |||||||||
18 | Loan | Period | Interest | Total Interest | Total Loan | Yearly Payment | 0 | $ 32,000.00 | ||||||||
19 | 40000 | 15 | 1% | 6000 | 46000 | 3066.666667 | 1 | 3.6% | $ 1,152.00 | $ 1,111.97 | $ (3,066.67) | $ (2,960.11) | $ 30,085.33 | |||
20 | 2 | 3.6% | $ 1,083.07 | $ 1,009.11 | $ (3,066.67) | $ (2,857.25) | $ 28,101.73 | |||||||||
21 | Discouted 20% | 32000 | 3 | 3.6% | $ 1,011.66 | $ 909.82 | $ (3,066.67) | $ (2,757.96) | $ 26,046.72 | |||||||
22 | 4 | 3.6% | $ 937.68 | $ 813.99 | $ (3,066.67) | $ (2,662.12) | $ 23,917.74 | |||||||||
23 | 5 | 3.6% | $ 861.04 | $ 721.48 | $ (3,066.67) | $ (2,569.62) | $ 21,712.10 | |||||||||
24 | 6 | 3.6% | $ 781.64 | $ 632.19 | $ (3,066.67) | $ (2,480.32) | $ 19,427.07 | |||||||||
25 | 7 | 3.6% | $ 699.37 | $ 546.00 | $ (3,066.67) | $ (2,394.14) | $ 17,059.78 | |||||||||
26 | 8 | 3.6% | $ 614.15 | $ 462.80 | $ (3,066.67) | $ (2,310.94) | $ 14,607.26 | |||||||||
27 | 9 | 3.6% | $ 525.86 | $ 382.50 | $ (3,066.67) | $ (2,230.64) | $ 12,066.45 | |||||||||
28 | 10 | 3.6% | $ 434.39 | $ 304.99 | $ (3,066.67) | $ (2,153.13) | $ 9,434.17 | |||||||||
29 | 11 | 3.6% | $ 339.63 | $ 230.17 | $ (3,066.67) | $ (2,078.31) | $ 6,707.13 | |||||||||
30 | 12 | 3.6% | $ 241.46 | $ 157.95 | $ (3,066.67) | $ (2,006.09) | $ 3,881.92 | |||||||||
31 | 13 | 3.6% | $ 139.75 | $ 88.24 | $ (3,066.67) | $ (1,936.38) | $ 955.00 | |||||||||
32 | 14 | 3.6% | $ 34.38 | $ 20.95 | $ (3,066.67) | $ (1,869.09) | $ (2,077.29) | |||||||||
33 | 15 | 3.6% | $ - | $ (3,066.67) | $ (1,804.14) | $ (5,143.96) | ||||||||||
34 | $ 8,856.09 | $ 7,392.16 | $ (46,000.05) | $ (35,070.22) | Totals | |||||||||||
35 | ||||||||||||||||
36 | Hypothetical Situation 3 | |||||||||||||||
37 | Year | Interest % | Earnings | PV Earnings | Payment | PV Payment | Cash | |||||||||
38 | Loan | Period | Interest | Total Interest | Total Loan | Yearly Payment | 0 | $ 48,000.00 | ||||||||
39 | 60000 | 20 | 1% | 12000 | 72000 | 3600 | 1 | 3.6% | $ 1,728.00 | $ 1,667.95 | $ (3,600.00) | $ (3,474.90) | $ 46,128.00 | |||
40 | 2 | 3.6% | $ 1,660.61 | $ 1,547.20 | $ (3,600.00) | $ (3,354.15) | $ 44,188.61 | |||||||||
41 | Discouted 20% | 48000 | 3 | 3.6% | $ 1,590.79 | $ 1,430.65 | $ (3,600.00) | $ (3,237.60) | $ 42,179.40 | |||||||
42 | 4 | 3.6% | $ 1,518.46 | $ 1,318.15 | $ (3,600.00) | $ (3,125.10) | $ 40,097.86 | |||||||||
43 | 5 | 3.6% | $ 1,443.52 | $ 1,209.55 | $ (3,600.00) | $ (3,016.50) | $ 37,941.38 | |||||||||
44 | 6 | 3.6% | $ 1,365.89 | $ 1,104.73 | $ (3,600.00) | $ (2,911.68) | $ 35,707.27 | |||||||||
45 | 7 | 3.6% | $ 1,285.46 | $ 1,003.55 | $ (3,600.00) | $ (2,810.50) | $ 33,392.73 | |||||||||
46 | 8 | 3.6% | $ 1,202.14 | $ 905.89 | $ (3,600.00) | $ (2,712.84) | $ 30,994.87 | |||||||||
47 | 9 | 3.6% | $ 1,115.82 | $ 811.62 | $ (3,600.00) | $ (2,618.57) | $ 28,510.68 | |||||||||
48 | 10 | 3.6% | $ 1,026.38 | $ 720.63 | $ (3,600.00) | $ (2,527.58) | $ 25,937.07 | |||||||||
49 | 11 | 3.6% | $ 933.73 | $ 632.80 | $ (3,600.00) | $ (2,439.75) | $ 23,270.80 | |||||||||
50 | 12 | 3.6% | $ 837.75 | $ 548.02 | $ (3,600.00) | $ (2,354.97) | $ 20,508.55 | |||||||||
51 | 13 | 3.6% | $ 738.31 | $ 466.19 | $ (3,600.00) | $ (2,273.14) | $ 17,646.86 | |||||||||
52 | 14 | 3.6% | $ 635.29 | $ 387.20 | $ (3,600.00) | $ (2,194.15) | $ 14,682.15 | |||||||||
53 | 15 | 3.6% | $ 528.56 | $ 310.95 | $ (3,600.00) | $ (2,117.90) | $ 11,610.70 | |||||||||
54 | 16 | 3.6% | $ 417.99 | $ 237.36 | $ (3,600.00) | $ (2,044.31) | $ 8,428.69 | |||||||||
55 | 17 | 3.6% | $ 303.43 | $ 166.32 | $ (3,600.00) | $ (1,973.27) | $ 5,132.12 | |||||||||
56 | 18 | 3.6% | $ 184.76 | $ 97.75 | $ (3,600.00) | $ (1,904.70) | $ 1,716.88 | |||||||||
57 | 19 | 3.6% | $ 61.81 | $ 31.57 | $ (3,600.00) | $ (1,838.51) | $ (1,821.31) | |||||||||
58 | 20 | 3.6% | $ - | $ (3,600.00) | $ (1,774.63) | $ (5,421.31) | ||||||||||
59 | $ 18,578.69 | $ 14,598.10 | $ (72,000.00) | $ (50,704.77) | Totals |
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