Time

EMI
0
1
2
3
4
5
6
7
8
9
10

18,273.90
18,273.90
18,273.90
18,273.90
18,273.90
18,273.90
18,273.90
18,273.90
18,273.90
18,273.90

monthly payment
PV of18

69,748
755,200

Refinance cost
Refinance benefit

13,216
66,638.91

saving every six months for 18 periods is

3,108.74

NPER
-29.6107278
- 427,963.15

TIME

EMI
0
1

int

INT
699.21

SFEE

3,000.00
2,885.45
2,770.03
2,653.75
2,536.60
2,418.57
2,299.66
2,179.85
2,059.15
1,937.53

PRINCIPLE
625.00

GFEE

166.67
160.30
153.89
147.43
140.92
134.37
127.76
121.10
114.40
107.64

Outstanding Balnce
100000
74.21
99,925.79

Principal
166.67
160.30
153.89
147.43
140.92
134.37
127.76
121.10
114.40
107.64

15,273.90
15,388.45
15,503.86
15,620.14
15,737.29
15,855.32
15,974.24
16,094.05
16,214.75
16,336.36

OutBal

400000
384,726.10
369,337.65
353,833.79
338,213.64
322,476.35
306,621.03
290,646.79
274,552.74
258,337.99
242,001.63

nding Balnce
99,637.30

CashFlow

17,940.56
17,953.29
17,966.12
17,979.04
17,992.05
18,005.17
18,018.38
18,031.69
18,045.10
18,058.62

Time

EMI
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

18,273.90
17,817.05
17,371.62
16,937.33
16,513.90
16,101.05
15,698.53
15,306.06
14,923.41
14,550.33
14,186.57
13,831.90
13,486.11
13,148.95
12,820.23
12,499.72
12,187.23
11,882.55
11,585.49
11,295.85
11,013.45
10,738.12
10,469.66
10,207.92

int

SFEE
3,000.00
2,813.31
2,633.26
2,459.66
2,292.30
2,130.99
1,975.56
1,825.82
1,681.60
1,542.73
1,409.05
1,280.39
1,156.59
1,037.52
923.02
812.94
707.16
605.53
507.93
414.23
324.30
238.03
155.30
75.99

166.67
156.29
146.29
136.65
127.35
118.39
109.75
101.43
93.42
85.71
78.28
71.13
64.26
57.64
51.28
45.16
39.29
33.64
28.22
23.01
18.02
13.22
8.63
4.22

GFEE
166.67
156.29
146.29
136.65
127.35
118.39
109.75
101.43
93.42
85.71
78.28
71.13
64.26
57.64
51.28
45.16
39.29
33.64
28.22
23.01
18.02
13.22
8.63
4.22

Principal

Scheduleout
PrePayment ActualOu
CashFlow
400000
400000
15,273.90 384,726.10 9,618.15 375,107.95 27,558.72
15,003.74 360,104.21 9,002.61 351,101.61 26,507.06
14,738.36 336,363.24 8,409.08 327,954.16 25,488.12
14,477.68 313,476.49 7,836.91 305,639.57 24,500.95
14,221.60 291,417.97 7,285.45 284,132.52 23,544.65
13,970.06 270,162.46 6,754.06 263,408.40 22,618.34
13,722.96 249,685.44 6,242.14 243,443.30 21,721.15
13,480.24 229,963.07 5,749.08 224,213.99 20,852.27
13,241.81 210,972.18 5,274.30 205,697.88 20,010.87
13,007.59 192,690.29 4,817.26 187,873.03 19,196.17
12,777.52 175,095.51 4,377.39 170,718.12 18,407.39
12,551.52 158,166.61 3,954.17 154,212.44 17,643.80
12,329.51 141,882.93 3,547.07 138,335.86 16,904.67
12,111.43 126,224.42 3,155.61 123,068.81 16,189.28
11,897.21 111,171.60 2,779.29 108,392.31 15,496.96
11,686.78
96,705.53 2,417.64
94,287.89 14,827.03
11,480.07
82,807.82 2,070.20
80,737.62 14,178.85
11,277.02
69,460.60 1,736.52
67,724.09 13,551.78
11,077.56
56,646.53 1,416.16
55,230.37 12,945.21
10,881.62
44,348.75 1,108.72
43,240.03 12,358.54
10,689.15
32,550.88
813.77
31,737.11 11,791.19
10,500.09
21,237.02
530.93
20,706.09 11,242.59
10,314.37
10,391.73
259.79
10,131.93 10,712.20
10,131.93
0.00
0.00
0.00 10,199.48

24,892.05
24,006.35
23,147.44
22,314.59
21,507.05
20,724.12
19,965.10
19,229.31
18,516.11
17,824.85
17,154.91
16,505.68
15,876.59
15,267.04
14,676.50
14,104.42
13,550.27
13,013.53
12,493.72
11,990.34
11,502.92
11,031.01
10,574.16
10,131.93

24,892.05
48,012.69
69,442.33
89,258.35
107,535.26
124,344.72
139,755.69
153,834.51
166,644.99
178,248.49
188,703.98
198,068.19
206,395.61
213,738.63
220,147.55
225,670.71
230,354.53
234,243.59
237,380.65
239,806.79
241,561.41
242,682.29
243,205.70
243,166.37
4,267,095.09
10.67