Professional Documents
Culture Documents
9,529,976
1
1
YEAR 1 ( 2005 )
FTP Rate (forecast)
9.75%
13.10%
GBP
45,458,481
1
YEAR 3 ( 2007)
13.50%
GBP
YEAR 5 ( 2009)
13.70%
GBP
GBP
6,500,000.00
12,448,915.00
13,487,359.00
15,206,170.00
812,500.00
541,666.67
1,037,409.58
1,123,946.58
1,267,180.83
3,315,682.00
3,368,089.00
9,529,975.54
21,045,825.91
32,812,320.88
-285,705.81
-1,235,283.33
-3,040,260.04
-5,373,161.57
-7,836,665.47
4.75%
4.75%
4.75%
4.75%
Yearly repayment
Margin
Average Term (years)
Interest rate
Outstanding Balance
4.75%
15.00
15.00
15.00
15.00
14.50%
16.85%
17.85%
18.25%
18.45%
9,529,976
9,529,976
21,045,826
32,812,321
45,458,481
Loans disbursed
Interest Charged
Monthly Repayments
Ending Balance
Interest
Loans disbursed
Monthly rpt
Ending Balance
Interest
Loans disbursed
Monthly Rpt
3,368,089.00
Ending Balance
###
YEAR 4 ( 2008 )
6,500,000.00
Loan Disbursed(Monthly)
Outstanding Loan (Beginning)
32,812,321
1
YEAR 2 ( 2006 )
12.10%
GBP
Loan Disbursed(Annually)
21,045,826
1
YEAR 1 ( 2005 )
Interest
15.00
Loans disbursed
Monthly Rpt
9,529,975.54
Ending Balance
Interest
Loans disbursed
Monthly Rpt
21,045,825.91
Ending Balance
32,812,320.88
MONTH 1
0.00
0.00
0.00
0.00
3,802.95
3,909,755.67
-59,756.16
3,853,802.46
7,283.48
10,567,385.12
-169,040.18
10,405,628.43
7,891.04
22,169,772.49
-361,021.52
21,816,642.01
8,896.67
34,079,501.71
-559,892.72
33,528,505.66
MONTH 2
0.00
0.00
0.00
0.00
49,839.35
4,395,469.13
-67,179.73
4,378,128.75
132,002.36
11,443,038.01
-183,047.47
11,391,992.89
270,408.27
22,940,588.60
-373,573.80
22,837,423.07
412,791.99
34,795,686.49
-571,658.93
34,636,819.56
MONTH 3
0.00
0.00
0.00
0.00
56,174.96
4,919,795.41
-75,193.46
4,900,776.91
143,920.93
12,429,402.48
-198,825.76
12,374,497.65
282,742.71
23,961,369.65
-390,196.61
23,853,915.75
426,184.12
35,904,000.39
-589,867.44
35,740,317.08
MONTH 4
0.00
0.00
0.00
0.00
62,490.29
5,442,443.58
-83,181.54
5,421,752.33
155,792.86
13,411,907.23
-214,542.30
13,353,157.79
295,025.33
24,977,862.33
-406,749.59
24,866,138.07
439,518.05
37,007,497.91
-607,996.82
36,839,019.14
MONTH 5
9,817.71
812,500.00
-11,094.69
811,223.01
68,785.41
5,963,418.99
-91,144.06
5,941,060.35
167,618.34
14,390,567.37
-230,197.35
14,327,988.37
307,256.35
25,990,084.66
-423,233.02
25,874,107.98
452,794.03
38,106,199.98
-626,047.41
37,932,946.60
MONTH 6
9,809.99
1,623,723.01
-22,171.95
1,611,361.06
75,060.38
6,482,727.01
-99,081.09
6,458,706.31
179,397.54
15,365,397.95
-245,791.13
15,299,004.36
319,435.98
26,998,054.56
-439,647.21
26,877,843.34
466,012.32
39,200,127.43
-644,019.56
39,022,120.19
MONTH 7
24,379.47
2,423,861.06
-33,097.84
2,415,142.68
81,315.27
7,000,372.97
-106,992.72
6,974,695.53
191,130.65
16,336,413.94
-261,323.90
16,266,220.69
331,564.45
28,001,789.92
-455,992.44
27,877,361.93
479,173.17
40,289,301.02
-661,913.62
40,106,560.58
MONTH 8
34,091.83
3,227,642.68
-44,073.49
3,217,661.02
87,550.14
7,516,362.19
-114,879.02
7,489,033.31
202,817.85
17,303,630.28
-276,795.88
17,229,652.24
343,641.97
29,001,308.51
-472,269.01
28,872,681.47
492,276.82
41,373,741.41
-679,729.91
41,186,288.33
MONTH 9
43,788.92
4,030,161.02
-55,031.88
4,018,918.06
93,765.06
8,030,699.98
-122,740.09
8,001,724.95
214,459.31
18,267,061.83
-292,207.32
18,189,313.82
355,668.75
29,996,628.06
-488,477.19
29,863,819.61
505,323.53
42,453,469.16
-697,468.77
42,261,323.93
MONTH 10
53,470.78
4,831,418.06
-65,973.06
4,818,915.79
99,960.08
8,543,391.61
-130,576.00
8,512,775.70
226,055.22
19,226,723.40
-307,558.46
19,145,220.17
367,645.00
30,987,766.20
-504,617.28
30,850,793.91
518,313.55
43,528,504.76
-715,130.55
43,331,687.76
MONTH 11
63,137.42
5,631,415.79
-76,897.03
5,617,656.17
106,135.28
9,054,442.36
-138,386.82
9,022,190.81
237,605.76
20,182,629.75
-322,849.53
20,097,385.98
379,570.94
31,974,740.49
-520,689.57
31,833,621.86
531,247.11
44,598,868.59
-732,715.57
44,397,400.13
MONTH 12
72,788.87
6,430,156.17
-87,803.84
6,415,141.20
112,290.71
9,563,857.48
-146,172.65
9,529,975.54
249,111.10
21,134,795.57
-338,080.76
21,045,825.91
391,446.77
32,957,568.44
-536,694.34
32,812,320.88
544,124.47
45,664,580.96
-750,224.18
45,458,481.25
-285,705.81
6,415,141.20
-1,235,283.33
9,529,975.54
-3,040,260.04
21,045,825.91
-5,373,161.57
32,812,320.88
-7,836,665.47
45,458,481.25
Closing Balance
Yr 1 Net Interest on Y1 Loan
114,834.72
319,923.33
752,316.69
1,306,081.91
1,888,130.86
3,500,000.00
3,500,000.00
3,500,000.00
3,500,000.00
3,500,000.00
Exchange rate
Sterling Equivalent
Year 1 Loans
Year 2 Loans
Year 3 Loans
Year 4 Loans
Year 5 Loans
Total Interest
1,276,511
1,640,953
2,720,169
2,853,134
1,888,131
10,378,898
Year 2
114,835
114,835
301,464
319,923
621,387
145
Interest income ov 5Year 1
8,804
11,317
18,760
19,677
13,022
71,579
Year 3
294,815
448,824
752,317
###
###
1,495,955
150
Year 2
792
0
0
0
0
792
Year 4
287,134
440,829
991,977
1,306,082
3,026,022
160
Year 3
2,010
2,133
0
0
0
4,143
Year 5
170
Year 4
1,843
2,805
4,702
0
0
9,350
278,263
431,377
975,875
1,547,052
1,888,131
5,120,699
180
Year 5
1,689
2,593
5,835
7,683
0
17,800
1,546
2,397
5,422
8,595
10,490
28,448
15
Loan Calculator
9,529,976
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments
21,045,826
32,812,321
45,458,481
Loan Summary
Scheduled Payment
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments
Total Interest
KES 6,415,141.20
14.50 %
15
12
1/1/2005
Lender Name:
Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Payment
Date
2/1/2005 $
3/1/2005
4/1/2005
5/1/2005
6/1/2005
7/1/2005
8/1/2005
9/1/2005
10/1/2005
11/1/2005
12/1/2005
1/1/2006
2/1/2006
3/1/2006
4/1/2006
5/1/2006
6/1/2006
7/1/2006
8/1/2006
9/1/2006
10/1/2006
11/1/2006
12/1/2006
1/1/2007
2/1/2007
3/1/2007
4/1/2007
5/1/2007
6/1/2007
7/1/2007
8/1/2007
9/1/2007
10/1/2007
11/1/2007
12/1/2007
1/1/2008
2/1/2008
3/1/2008
4/1/2008
5/1/2008
6/1/2008
7/1/2008
8/1/2008
9/1/2008
10/1/2008
11/1/2008
12/1/2008
1/1/2009
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009
Beginning
Balance
6,415,141.20
6,405,058.68
6,394,854.33
6,384,526.68
6,374,074.24
6,363,495.49
6,352,788.92
6,341,952.98
6,330,986.10
6,319,886.71
6,308,653.20
6,297,283.95
6,285,777.32
6,274,131.66
6,262,345.27
6,250,416.47
6,238,343.53
6,226,124.70
6,213,758.24
6,201,242.34
6,188,575.21
6,175,755.02
6,162,779.92
6,149,648.03
6,136,357.47
6,122,906.32
6,109,292.63
6,095,514.44
6,081,569.76
6,067,456.59
6,053,172.88
6,038,716.58
6,024,085.59
6,009,277.82
5,994,291.12
5,979,123.33
5,963,772.26
5,948,235.70
5,932,511.40
5,916,597.11
5,900,490.52
5,884,189.30
5,867,691.11
5,850,993.57
5,834,094.27
5,816,990.77
5,799,680.60
5,782,161.26
5,764,430.24
5,746,484.96
5,728,322.85
5,709,941.27
5,691,337.59
Scheduled
Payment
$
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Extra
Payment
$
Total
Payment
$
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Principal
$
10,082.52
10,204.35
10,327.65
10,452.44
10,578.74
10,706.57
10,835.94
10,966.88
11,099.39
11,233.51
11,369.25
11,506.63
11,645.67
11,786.38
11,928.80
12,072.94
12,218.82
12,366.47
12,515.90
12,667.13
12,820.19
12,975.10
13,131.88
13,290.56
13,451.16
13,613.69
13,778.19
13,944.68
14,113.17
14,283.71
14,456.30
14,630.98
14,807.77
14,986.70
15,167.79
15,351.07
15,536.56
15,724.29
15,914.30
16,106.59
16,301.21
16,498.19
16,697.54
16,899.30
17,103.50
17,310.17
17,519.33
17,731.03
17,945.28
18,162.12
18,381.57
18,603.68
18,828.48
Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
Payment
Date
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
Beginning
Balance
5,672,509.11
5,653,453.12
5,634,166.87
5,614,647.58
5,594,892.43
5,574,898.57
5,554,663.12
5,534,183.15
5,513,455.73
5,492,477.84
5,471,246.47
5,449,758.56
5,428,011.00
5,406,000.66
5,383,724.36
5,361,178.89
5,338,360.99
5,315,267.38
5,291,894.72
5,268,239.63
5,244,298.72
5,220,068.52
5,195,545.54
5,170,726.24
5,145,607.04
5,120,184.32
5,094,454.41
5,068,413.59
5,042,058.11
5,015,384.17
4,988,387.92
4,961,065.47
4,933,412.87
4,905,426.13
4,877,101.22
4,848,434.05
4,819,420.49
4,790,056.34
4,760,337.38
4,730,259.32
4,699,817.81
4,669,008.47
4,637,826.85
4,606,268.44
4,574,328.71
4,542,003.04
4,509,286.77
4,476,175.18
4,442,663.49
4,408,746.86
4,374,420.41
4,339,679.18
4,304,518.17
4,268,932.28
4,232,916.41
4,196,465.34
4,159,573.82
4,122,236.53
4,084,448.08
4,046,203.02
4,007,495.83
3,968,320.93
3,928,672.67
3,888,545.32
3,847,933.10
3,806,830.15
3,765,230.54
Scheduled
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Extra
Payment
-
Total
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Principal
19,055.99
19,286.25
19,519.29
19,755.15
19,993.86
20,235.45
20,479.96
20,727.43
20,977.88
21,231.37
21,487.91
21,747.56
22,010.34
22,276.30
22,545.47
22,817.90
23,093.61
23,372.66
23,655.08
23,940.91
24,230.20
24,522.98
24,819.30
25,119.20
25,422.72
25,729.91
26,040.82
26,355.48
26,673.94
26,996.25
27,322.45
27,652.60
27,986.74
28,324.91
28,667.17
29,013.56
29,364.14
29,718.96
30,078.06
30,441.51
30,809.34
31,181.62
31,558.40
31,939.73
32,325.67
32,716.27
33,111.59
33,511.69
33,916.62
34,326.45
34,741.23
35,161.02
35,585.88
36,015.88
36,451.07
36,891.52
37,337.29
37,788.45
38,245.06
38,707.19
39,174.90
39,648.26
40,127.35
40,612.22
41,102.95
41,599.61
42,102.27
Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
Payment
Date
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
Beginning
Balance
3,723,128.27
3,680,517.26
3,637,391.37
3,593,744.37
3,549,569.97
3,504,861.80
3,459,613.41
3,413,818.26
3,367,469.76
3,320,561.21
3,273,085.85
3,225,036.83
3,176,407.21
3,127,189.99
3,077,378.06
3,026,964.24
2,975,941.25
2,924,301.73
2,872,038.23
2,819,143.22
2,765,609.06
2,711,428.03
2,656,592.31
2,601,093.99
2,544,925.07
2,488,077.44
2,430,542.90
2,372,313.15
2,313,379.79
2,253,734.32
2,193,368.14
2,132,272.53
2,070,438.68
2,007,857.67
1,944,520.48
1,880,417.96
1,815,540.87
1,749,879.84
1,683,425.42
1,616,168.00
1,548,097.89
1,479,205.26
1,409,480.18
1,338,912.59
1,267,492.31
1,195,209.04
1,122,052.34
1,048,011.66
973,076.33
897,235.52
820,478.31
742,793.62
664,170.23
584,596.81
504,061.88
422,553.82
340,060.87
256,571.13
172,072.56
86,552.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Extra
Payment
-
Total
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
86,552.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
42,611.01
43,125.89
43,647.00
44,174.40
44,708.17
45,248.39
45,795.15
46,348.50
46,908.55
47,475.36
48,049.02
48,629.61
49,217.22
49,811.93
50,413.82
51,022.99
51,639.52
52,263.50
52,895.01
53,534.16
54,181.03
54,835.72
55,498.32
56,168.92
56,847.63
57,534.54
58,229.75
58,933.36
59,645.47
60,366.19
61,095.61
61,833.85
62,581.01
63,337.19
64,102.52
64,877.09
65,661.02
66,454.43
67,257.42
68,070.11
68,892.63
69,725.08
70,567.59
71,420.28
72,283.28
73,156.70
74,040.68
74,935.33
75,840.80
76,757.21
77,684.70
78,623.39
79,573.42
80,534.93
81,508.06
82,492.95
83,489.74
84,498.57
85,519.60
85,507.11
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
Payment
Date
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Extra
Payment
-
Total
Payment
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
Payment
Date
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Extra
Payment
-
Total
Payment
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
Payment
Date
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
Extra
Payment
-
Total
Payment
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
59,249,393
Loan Summary
$
$
$
87,598.81
180
180
9,352,644.30
Ending
Balance
Interest
$
77,516.29
77,394.46
77,271.16
77,146.36
77,020.06
76,892.24
76,762.87
76,631.93
76,499.42
76,365.30
76,229.56
76,092.18
75,953.14
75,812.42
75,670.01
75,525.87
75,379.98
75,232.34
75,082.91
74,931.68
74,778.62
74,623.71
74,466.92
74,308.25
74,147.65
73,985.12
73,820.62
73,654.13
73,485.63
73,315.10
73,142.51
72,967.83
72,791.03
72,612.11
72,431.02
72,247.74
72,062.25
71,874.51
71,684.51
71,492.22
71,297.59
71,100.62
70,901.27
70,699.51
70,495.31
70,288.64
70,079.47
69,867.78
69,653.53
69,436.69
69,217.23
68,995.12
68,770.33
6,405,058.68
6,394,854.33
6,384,526.68
6,374,074.24
6,363,495.49
6,352,788.92
6,341,952.98
6,330,986.10
6,319,886.71
6,308,653.20
6,297,283.95
6,285,777.32
6,274,131.66
6,262,345.27
6,250,416.47
6,238,343.53
6,226,124.70
6,213,758.24
6,201,242.34
6,188,575.21
6,175,755.02
6,162,779.92
6,149,648.03
6,136,357.47
6,122,906.32
6,109,292.63
6,095,514.44
6,081,569.76
6,067,456.59
6,053,172.88
6,038,716.58
6,024,085.59
6,009,277.82
5,994,291.12
5,979,123.33
5,963,772.26
5,948,235.70
5,932,511.40
5,916,597.11
5,900,490.52
5,884,189.30
5,867,691.11
5,850,993.57
5,834,094.27
5,816,990.77
5,799,680.60
5,782,161.26
5,764,430.24
5,746,484.96
5,728,322.85
5,709,941.27
5,691,337.59
5,672,509.11
Margin
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
NII
Payment No
25,353.36
25,312.97
25,272.08
25,230.71
25,188.84
25,146.46
25,103.56
25,060.15
25,016.22
24,971.75
24,926.75
24,881.20
24,835.10
24,788.45
24,741.23
24,693.44
24,645.08
24,596.13
24,546.58
24,496.44
24,445.70
24,394.34
24,342.36
24,289.75
24,236.50
24,182.62
24,128.08
24,072.88
24,017.02
23,960.48
23,903.25
23,845.34
23,786.72
23,727.40
23,667.36
23,606.60
23,545.10
23,482.86
23,419.86
23,356.11
23,291.58
23,226.28
23,160.18
23,093.29
23,025.59
22,957.07
22,887.72
22,817.54
22,746.50
22,674.61
22,601.85
22,528.21
22,453.68
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Interest
68,542.82
68,312.56
68,079.52
67,843.66
67,604.95
67,363.36
67,118.85
66,871.38
66,620.92
66,367.44
66,110.89
65,851.25
65,588.47
65,322.51
65,053.34
64,780.91
64,505.20
64,226.15
63,943.73
63,657.90
63,368.61
63,075.83
62,779.51
62,479.61
62,176.09
61,868.89
61,557.99
61,243.33
60,924.87
60,602.56
60,276.35
59,946.21
59,612.07
59,273.90
58,931.64
58,585.24
58,234.66
57,879.85
57,520.74
57,157.30
56,789.47
56,417.19
56,040.41
55,659.08
55,273.14
54,882.54
54,487.22
54,087.12
53,682.18
53,272.36
52,857.58
52,437.79
52,012.93
51,582.93
51,147.74
50,707.29
50,261.52
49,810.36
49,353.75
48,891.62
48,423.91
47,950.54
47,471.46
46,986.59
46,495.86
45,999.20
45,496.54
Ending
Balance
5,653,453.12
5,634,166.87
5,614,647.58
5,594,892.43
5,574,898.57
5,554,663.12
5,534,183.15
5,513,455.73
5,492,477.84
5,471,246.47
5,449,758.56
5,428,011.00
5,406,000.66
5,383,724.36
5,361,178.89
5,338,360.99
5,315,267.38
5,291,894.72
5,268,239.63
5,244,298.72
5,220,068.52
5,195,545.54
5,170,726.24
5,145,607.04
5,120,184.32
5,094,454.41
5,068,413.59
5,042,058.11
5,015,384.17
4,988,387.92
4,961,065.47
4,933,412.87
4,905,426.13
4,877,101.22
4,848,434.05
4,819,420.49
4,790,056.34
4,760,337.38
4,730,259.32
4,699,817.81
4,669,008.47
4,637,826.85
4,606,268.44
4,574,328.71
4,542,003.04
4,509,286.77
4,476,175.18
4,442,663.49
4,408,746.86
4,374,420.41
4,339,679.18
4,304,518.17
4,268,932.28
4,232,916.41
4,196,465.34
4,159,573.82
4,122,236.53
4,084,448.08
4,046,203.02
4,007,495.83
3,968,320.93
3,928,672.67
3,888,545.32
3,847,933.10
3,806,830.15
3,765,230.54
3,723,128.27
Margin
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
NII
22,378.25
22,301.91
22,224.65
22,146.45
22,067.31
21,987.21
21,906.14
21,824.10
21,741.06
21,657.02
21,571.96
21,485.88
21,398.75
21,310.58
21,221.33
21,131.01
21,039.60
20,947.08
20,853.45
20,758.68
20,662.77
20,565.70
20,467.46
20,368.03
20,267.40
20,165.55
20,062.47
19,958.15
19,852.56
19,745.70
19,637.55
19,528.09
19,417.31
19,305.19
19,191.72
19,076.87
18,960.64
18,843.00
18,723.94
18,603.45
18,481.49
18,358.06
18,233.15
18,106.72
17,978.76
17,849.26
17,718.19
17,585.54
17,451.29
17,315.41
17,177.90
17,038.72
16,897.86
16,755.29
16,611.01
2,363,595.56
Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
Interest
44,987.80
44,472.92
43,951.81
43,424.41
42,890.64
42,350.41
41,803.66
41,250.30
40,690.26
40,123.45
39,549.79
38,969.19
38,381.59
37,786.88
37,184.98
36,575.82
35,959.29
35,335.31
34,703.80
34,064.65
33,417.78
32,763.09
32,100.49
31,429.89
30,751.18
30,064.27
29,369.06
28,665.45
27,953.34
27,232.62
26,503.20
25,764.96
25,017.80
24,261.61
23,496.29
22,721.72
21,937.79
21,144.38
20,341.39
19,528.70
18,706.18
17,873.73
17,031.22
16,178.53
15,315.53
14,442.11
13,558.13
12,663.47
11,758.01
10,841.60
9,914.11
8,975.42
8,025.39
7,063.88
6,090.75
5,105.86
4,109.07
3,100.23
2,079.21
1,045.85
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Ending
Balance
3,680,517.26
3,637,391.37
3,593,744.37
3,549,569.97
3,504,861.80
3,459,613.41
3,413,818.26
3,367,469.76
3,320,561.21
3,273,085.85
3,225,036.83
3,176,407.21
3,127,189.99
3,077,378.06
3,026,964.24
2,975,941.25
2,924,301.73
2,872,038.23
2,819,143.22
2,765,609.06
2,711,428.03
2,656,592.31
2,601,093.99
2,544,925.07
2,488,077.44
2,430,542.90
2,372,313.15
2,313,379.79
2,253,734.32
2,193,368.14
2,132,272.53
2,070,438.68
2,007,857.67
1,944,520.48
1,880,417.96
1,815,540.87
1,749,879.84
1,683,425.42
1,616,168.00
1,548,097.89
1,479,205.26
1,409,480.18
1,338,912.59
1,267,492.31
1,195,209.04
1,122,052.34
1,048,011.66
973,076.33
897,235.52
820,478.31
742,793.62
664,170.23
584,596.81
504,061.88
422,553.82
340,060.87
256,571.13
172,072.56
86,552.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin
NII
Payment No
Ending
Balance
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NII
Payment No
Ending
Balance
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NII
Payment No
Ending
Balance
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NII
Payment No
Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments
Loan Summary
Scheduled Payment
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments
Total Interest
KES 9,529,975.54
16.85 %
15
12
1/1/2006
Lender Name:
Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Payment
Date
2/1/2006 $
3/1/2006
4/1/2006
5/1/2006
6/1/2006
7/1/2006
8/1/2006
9/1/2006
10/1/2006
11/1/2006
12/1/2006
1/1/2007
2/1/2007
3/1/2007
4/1/2007
5/1/2007
6/1/2007
7/1/2007
8/1/2007
9/1/2007
10/1/2007
11/1/2007
12/1/2007
1/1/2008
2/1/2008
3/1/2008
4/1/2008
5/1/2008
6/1/2008
7/1/2008
8/1/2008
9/1/2008
10/1/2008
11/1/2008
12/1/2008
1/1/2009
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010
Beginning
Balance
9,529,975.54
9,518,137.47
9,506,133.18
9,493,960.33
9,481,616.55
9,469,099.44
9,456,406.57
9,443,535.48
9,430,483.65
9,417,248.55
9,403,827.61
9,390,218.22
9,376,417.73
9,362,423.45
9,348,232.68
9,333,842.64
9,319,250.54
9,304,453.54
9,289,448.77
9,274,233.31
9,258,804.20
9,243,158.44
9,227,292.98
9,211,204.75
9,194,890.61
9,178,347.39
9,161,571.88
9,144,560.81
9,127,310.88
9,109,818.73
9,092,080.97
9,074,094.13
9,055,854.73
9,037,359.22
9,018,604.00
8,999,585.42
8,980,299.80
8,960,743.37
8,940,912.33
8,920,802.84
8,900,410.97
8,879,732.77
8,858,764.21
8,837,501.22
8,815,939.66
8,794,075.34
8,771,904.01
8,749,421.36
8,726,623.01
8,703,504.54
8,680,061.44
8,656,289.17
8,632,183.09
Scheduled
Payment
$
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Extra
Payment
$
Total
Payment
$
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Principal
$
11,838.07
12,004.29
12,172.85
12,343.78
12,517.11
12,692.87
12,871.10
13,051.83
13,235.10
13,420.94
13,609.39
13,800.49
13,994.27
14,190.78
14,390.04
14,592.10
14,797.00
15,004.77
15,215.46
15,429.11
15,645.76
15,865.46
16,088.23
16,314.14
16,543.22
16,775.51
17,011.07
17,249.93
17,492.15
17,737.77
17,986.84
18,239.40
18,495.51
18,755.22
19,018.57
19,285.63
19,556.43
19,831.03
20,109.49
20,391.87
20,678.20
20,968.56
21,262.99
21,561.56
21,864.32
22,171.33
22,482.65
22,798.35
23,118.47
23,443.10
23,772.28
24,106.08
24,444.57
Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
Payment
Date
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
Beginning
Balance
8,607,738.52
8,582,950.71
8,557,814.84
8,532,326.01
8,506,479.29
8,480,269.63
8,453,691.94
8,426,741.06
8,399,411.74
8,371,698.68
8,343,596.47
8,315,099.67
8,286,202.72
8,256,900.01
8,227,185.84
8,197,054.44
8,166,499.94
8,135,516.40
8,104,097.81
8,072,238.04
8,039,930.91
8,007,170.14
7,973,949.35
7,940,262.08
7,906,101.79
7,871,461.83
7,836,335.47
7,800,715.87
7,764,596.12
7,727,969.18
7,690,827.94
7,653,165.18
7,614,973.57
7,576,245.68
7,536,973.99
7,497,150.87
7,456,768.55
7,415,819.21
7,374,294.86
7,332,187.45
7,289,488.77
7,246,190.54
7,202,284.33
7,157,761.60
7,112,613.69
7,066,831.84
7,020,407.13
6,973,330.54
6,925,592.92
6,877,184.98
6,828,097.31
6,778,320.37
6,727,844.48
6,676,659.83
6,624,756.45
6,572,124.27
6,518,753.04
6,464,632.39
6,409,751.80
6,354,100.60
6,297,667.95
6,240,442.90
6,182,414.31
6,123,570.91
6,063,901.25
6,003,393.72
5,942,036.57
Scheduled
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Extra
Payment
-
Total
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Principal
24,787.81
25,135.87
25,488.82
25,846.73
26,209.66
26,577.69
26,950.88
27,329.32
27,713.07
28,102.20
28,496.81
28,896.95
29,302.71
29,714.17
30,131.40
30,554.50
30,983.54
31,418.60
31,859.77
32,307.13
32,760.78
33,220.79
33,687.27
34,160.29
34,639.96
35,126.36
35,619.60
36,119.75
36,626.94
37,141.24
37,662.76
38,191.61
38,727.89
39,271.69
39,823.13
40,382.31
40,949.35
41,524.34
42,107.42
42,698.67
43,298.23
43,906.21
44,522.73
45,147.90
45,781.85
46,424.71
47,076.59
47,737.62
48,407.94
49,087.67
49,776.94
50,475.89
51,184.66
51,903.37
52,632.18
53,371.23
54,120.65
54,880.59
55,651.21
56,432.64
57,225.05
58,028.59
58,843.40
59,669.66
60,507.53
61,357.15
62,218.71
Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
Payment
Date
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
Beginning
Balance
5,879,817.86
5,816,725.50
5,752,747.21
5,687,870.56
5,622,082.94
5,555,371.55
5,487,723.42
5,419,125.40
5,349,564.14
5,279,026.14
5,207,497.66
5,134,964.80
5,061,413.45
4,986,829.33
4,911,197.92
4,834,504.52
4,756,734.21
4,677,871.88
4,597,902.20
4,516,809.60
4,434,578.33
4,351,192.39
4,266,635.58
4,180,891.45
4,093,943.33
4,005,774.31
3,916,367.25
3,825,704.77
3,733,769.24
3,640,542.78
3,546,007.26
3,450,144.30
3,352,935.27
3,254,361.27
3,154,403.12
3,053,041.39
2,950,256.37
2,846,028.09
2,740,336.26
2,633,160.34
2,524,479.49
2,414,272.59
2,302,518.19
2,189,194.58
2,074,279.72
1,957,751.26
1,839,586.54
1,719,762.60
1,598,256.12
1,475,043.50
1,350,100.76
1,223,403.62
1,094,927.44
964,647.24
832,537.69
698,573.10
562,727.43
424,974.25
285,286.79
143,637.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Extra
Payment
-
Total
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
143,637.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
63,092.36
63,978.29
64,876.65
65,787.62
66,711.39
67,648.13
68,598.02
69,561.25
70,538.01
71,528.48
72,532.86
73,551.34
74,584.12
75,631.41
76,693.40
77,770.30
78,862.33
79,969.69
81,092.60
82,231.27
83,385.93
84,556.81
85,744.13
86,948.12
88,169.02
89,407.06
90,662.48
91,935.53
93,226.46
94,535.52
95,862.95
97,209.03
98,574.01
99,958.15
101,361.73
102,785.02
104,228.29
105,691.83
107,175.92
108,680.85
110,206.91
111,754.39
113,323.61
114,914.86
116,528.46
118,164.72
119,823.94
121,506.47
123,212.63
124,942.74
126,697.14
128,476.18
130,280.20
132,109.55
133,964.59
135,845.67
137,753.17
139,687.46
141,648.90
141,620.97
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
Payment
Date
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Extra
Payment
-
Total
Payment
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
Payment
Date
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Extra
Payment
-
Total
Payment
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
Payment
Date
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035
11/1/2035
12/1/2035
1/1/2036
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
Extra
Payment
-
Total
Payment
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Loan Summary
$
$
$
145,654.81
180
180
16,687,889.46
Interest
$
133,816.74
133,650.51
133,481.95
133,311.03
133,137.70
132,961.94
132,783.71
132,602.98
132,419.71
132,233.87
132,045.41
131,854.31
131,660.53
131,464.03
131,264.77
131,062.71
130,857.81
130,650.04
130,439.34
130,225.69
130,009.04
129,789.35
129,566.57
129,340.67
129,111.59
128,879.29
128,643.74
128,404.87
128,162.66
127,917.04
127,667.97
127,415.41
127,159.29
126,899.59
126,636.23
126,369.18
126,098.38
125,823.77
125,545.31
125,262.94
124,976.60
124,686.25
124,391.81
124,093.25
123,790.49
123,483.47
123,172.15
122,856.46
122,536.33
122,211.71
121,882.53
121,548.73
121,210.24
9,518,137.47
9,506,133.18
9,493,960.33
9,481,616.55
9,469,099.44
9,456,406.57
9,443,535.48
9,430,483.65
9,417,248.55
9,403,827.61
9,390,218.22
9,376,417.73
9,362,423.45
9,348,232.68
9,333,842.64
9,319,250.54
9,304,453.54
9,289,448.77
9,274,233.31
9,258,804.20
9,243,158.44
9,227,292.98
9,211,204.75
9,194,890.61
9,178,347.39
9,161,571.88
9,144,560.81
9,127,310.88
9,109,818.73
9,092,080.97
9,074,094.13
9,055,854.73
9,037,359.22
9,018,604.00
8,999,585.42
8,980,299.80
8,960,743.37
8,940,912.33
8,920,802.84
8,900,410.97
8,879,732.77
8,858,764.21
8,837,501.22
8,815,939.66
8,794,075.34
8,771,904.01
8,749,421.36
8,726,623.01
8,703,504.54
8,680,061.44
8,656,289.17
8,632,183.09
8,607,738.52
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
Payment No
37,675.96
37,628.44
37,580.26
37,531.40
37,481.85
37,431.61
37,380.66
37,329.00
37,276.61
37,223.48
37,169.61
37,114.99
37,059.59
37,003.42
36,946.46
36,888.70
36,830.13
36,770.73
36,710.51
36,649.43
36,587.50
36,524.70
36,461.02
36,396.44
36,330.96
36,264.56
36,197.22
36,128.94
36,059.70
35,989.49
35,918.29
35,846.09
35,772.88
35,698.64
35,623.36
35,547.02
35,469.61
35,391.11
35,311.51
35,230.79
35,148.94
35,065.94
34,981.78
34,896.43
34,809.88
34,722.12
34,633.13
34,542.88
34,451.37
34,358.58
34,264.48
34,169.06
34,072.30
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Interest
120,867.00
120,518.93
120,165.98
119,808.08
119,445.15
119,077.12
118,703.92
118,325.49
117,941.74
117,552.60
117,158.00
116,757.86
116,352.10
115,940.64
115,523.40
115,100.31
114,671.27
114,236.21
113,795.04
113,347.68
112,894.03
112,434.01
111,967.54
111,494.51
111,014.85
110,528.44
110,035.21
109,535.05
109,027.87
108,513.57
107,992.04
107,463.19
106,926.92
106,383.12
105,831.68
105,272.49
104,705.46
104,130.46
103,547.39
102,956.13
102,356.57
101,748.59
101,132.08
100,506.90
99,872.95
99,230.10
98,578.22
97,917.18
97,246.87
96,567.14
95,877.87
95,178.92
94,470.15
93,751.43
93,022.62
92,283.58
91,534.16
90,774.21
90,003.60
89,222.16
88,429.75
87,626.22
86,811.40
85,985.14
85,147.28
84,297.65
83,436.10
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
Payment No
33,974.18
33,874.68
33,773.79
33,671.48
33,567.73
33,462.53
33,355.85
33,247.67
33,137.97
33,026.74
32,913.94
32,799.55
32,683.56
32,565.94
32,446.67
32,325.73
32,203.09
32,078.72
31,952.61
31,824.73
31,695.05
31,563.55
31,430.20
31,294.99
31,157.87
31,018.83
30,877.83
30,734.86
30,589.88
30,442.86
30,293.78
30,142.60
29,989.31
29,833.86
29,676.22
29,516.38
29,354.28
29,189.92
29,023.24
28,854.23
28,682.84
28,509.04
28,332.81
28,154.10
27,972.88
27,789.11
27,602.77
27,413.81
27,222.19
27,027.89
26,830.85
26,631.05
26,428.45
26,222.99
26,014.66
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
Interest
82,562.44
81,676.52
80,778.16
79,867.18
78,943.41
78,006.68
77,056.78
76,093.55
75,116.80
74,126.33
73,121.95
72,103.46
71,070.68
70,023.40
68,961.40
67,884.50
66,792.48
65,685.12
64,562.21
63,423.53
62,268.87
61,097.99
59,910.67
58,706.68
57,485.79
56,247.75
54,992.32
53,719.27
52,428.34
51,119.29
49,791.85
48,445.78
47,080.80
45,696.66
44,293.08
42,869.79
41,426.52
39,962.98
38,478.89
36,973.96
35,447.90
33,900.41
32,331.19
30,739.94
29,126.34
27,490.09
25,830.86
24,148.33
22,442.18
20,712.07
18,957.66
17,178.63
15,374.61
13,545.26
11,690.22
9,809.13
7,901.63
5,967.35
4,005.90
2,016.92
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payment No
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payment No
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payment No
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payment No
Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments
Loan Summary
Scheduled Payment $
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments $
Total Interest $
KES 21,045,825.91
17.85 %
15
12
1/1/2007
336,657.56
180
180
39,552,535.09
Lender Name:
Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Payment
Date
2/1/2007 $
3/1/2007
4/1/2007
5/1/2007
6/1/2007
7/1/2007
8/1/2007
9/1/2007
10/1/2007
11/1/2007
12/1/2007
1/1/2008
2/1/2008
3/1/2008
4/1/2008
5/1/2008
6/1/2008
7/1/2008
8/1/2008
9/1/2008
10/1/2008
11/1/2008
12/1/2008
1/1/2009
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
Beginning
Balance
21,045,825.91
21,022,225.01
20,998,273.04
20,973,964.79
20,949,294.96
20,924,258.16
20,898,848.94
20,873,061.76
20,846,890.99
20,820,330.93
20,793,375.79
20,766,019.70
20,738,256.68
20,710,080.68
20,681,485.57
20,652,465.11
20,623,012.97
20,593,122.72
20,562,787.86
20,532,001.77
20,500,757.74
20,469,048.95
20,436,868.49
20,404,209.35
20,371,064.40
20,337,426.42
20,303,288.08
20,268,641.93
20,233,480.42
20,197,795.88
20,161,580.53
20,124,826.48
20,087,525.71
20,049,670.09
20,011,251.38
19,972,261.18
19,932,691.00
19,892,532.22
19,851,776.08
19,810,413.68
19,768,436.03
19,725,833.95
19,682,598.17
19,638,719.26
19,594,187.64
19,548,993.62
19,503,127.34
19,456,578.80
19,409,337.85
19,361,394.19
19,312,737.37
19,263,356.77
19,213,241.64
Scheduled
Payment
$
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
Extra
Payment
$
Total
Payment
$ 336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
Principal
$
23,600.90
23,951.96
24,308.25
24,669.83
25,036.80
25,409.22
25,787.18
26,170.77
26,560.06
26,955.14
27,356.10
27,763.02
28,175.99
28,595.11
29,020.46
29,452.14
29,890.24
30,334.86
30,786.09
31,244.03
31,708.79
32,180.46
32,659.14
33,144.95
33,637.98
34,138.34
34,646.15
35,161.51
35,684.54
36,215.35
36,754.05
37,300.77
37,855.62
38,418.72
38,990.20
39,570.18
40,158.78
40,756.14
41,362.39
41,977.66
42,602.08
43,235.78
43,878.91
44,531.61
45,194.02
45,866.28
46,548.54
47,240.95
47,943.66
48,656.82
49,380.59
50,115.13
50,860.59
Interest
$
313,056.66
312,705.60
312,349.31
311,987.73
311,620.76
311,248.34
310,870.38
310,486.79
310,097.50
309,702.42
309,301.46
308,894.54
308,481.57
308,062.45
307,637.10
307,205.42
306,767.32
306,322.70
305,871.47
305,413.53
304,948.77
304,477.10
303,998.42
303,512.61
303,019.58
302,519.22
302,011.41
301,496.05
300,973.02
300,442.21
299,903.51
299,356.79
298,801.94
298,238.84
297,667.36
297,087.39
296,498.78
295,901.42
295,295.17
294,679.90
294,055.49
293,421.78
292,778.65
292,125.95
291,463.54
290,791.28
290,109.02
289,416.61
288,713.90
288,000.74
287,276.97
286,542.43
285,796.97
Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
Payment
Date
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
Beginning
Balance
19,162,381.05
19,110,763.91
19,058,378.96
19,005,214.79
18,951,259.80
18,896,502.23
18,840,930.13
18,784,531.41
18,727,293.75
18,669,204.69
18,610,251.54
18,550,421.48
18,489,701.43
18,428,078.18
18,365,538.28
18,302,068.10
18,237,653.81
18,172,281.35
18,105,936.47
18,038,604.71
17,970,271.40
17,900,921.62
17,830,540.27
17,759,112.00
17,686,621.23
17,613,052.16
17,538,388.75
17,462,614.72
17,385,713.55
17,307,668.48
17,228,462.49
17,148,078.30
17,066,498.41
16,983,705.01
16,899,680.06
16,814,405.24
16,727,861.96
16,640,031.34
16,550,894.25
16,460,431.24
16,368,622.59
16,275,448.29
16,180,888.02
16,084,921.17
15,987,526.81
15,888,683.71
15,788,370.32
15,686,564.77
15,583,244.86
15,478,388.07
15,371,971.53
15,263,972.04
15,154,366.07
15,043,129.70
14,930,238.69
14,815,668.43
14,699,393.94
14,581,389.86
14,461,630.48
14,340,089.67
14,216,740.94
14,091,557.40
13,964,511.76
13,835,576.31
13,704,722.95
13,571,923.14
13,437,147.93
Scheduled
Payment
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
Extra
Payment
-
Total
Payment
Principal
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
51,617.14
52,384.95
53,164.17
53,954.99
54,757.57
55,572.09
56,398.73
57,237.66
58,089.07
58,953.14
59,830.07
60,720.04
61,623.25
62,539.90
63,470.18
64,414.30
65,372.46
66,344.88
67,331.76
68,333.32
69,349.77
70,381.35
71,428.27
72,490.77
73,569.07
74,663.41
75,774.03
76,901.17
78,045.07
79,205.99
80,384.18
81,579.90
82,793.40
84,024.95
85,274.82
86,543.28
87,830.61
89,137.09
90,463.01
91,808.65
93,174.30
94,560.27
95,966.85
97,394.36
98,843.10
100,313.39
101,805.55
103,319.91
104,856.79
106,416.54
107,999.48
109,605.98
111,236.37
112,891.01
114,570.26
116,274.49
118,004.08
119,759.39
121,540.81
123,348.73
125,183.54
127,045.64
128,935.45
130,853.36
132,799.81
134,775.20
136,779.99
Interest
285,040.42
284,272.61
283,493.39
282,702.57
281,899.99
281,085.47
280,258.84
279,419.90
278,568.49
277,704.42
276,827.49
275,937.52
275,034.31
274,117.66
273,187.38
272,243.26
271,285.10
270,312.69
269,325.80
268,324.25
267,307.79
266,276.21
265,229.29
264,166.79
263,088.49
261,994.15
260,883.53
259,756.39
258,612.49
257,451.57
256,273.38
255,077.66
253,864.16
252,632.61
251,382.74
250,114.28
248,826.95
247,520.47
246,194.55
244,848.91
243,483.26
242,097.29
240,690.71
239,263.20
237,814.46
236,344.17
234,852.01
233,337.65
231,800.77
230,241.02
228,658.08
227,051.58
225,421.20
223,766.55
222,087.30
220,383.07
218,653.48
216,898.17
215,116.75
213,308.83
211,474.02
209,611.92
207,722.11
205,804.20
203,857.75
201,882.36
199,877.58
Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
Payment
Date
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
Beginning
Balance
13,300,367.95
13,161,553.36
13,020,673.91
12,877,698.87
12,732,597.08
12,585,336.90
12,435,886.22
12,284,212.47
12,130,282.57
11,974,062.96
11,815,519.59
11,654,617.88
11,491,322.76
11,325,598.63
11,157,409.34
10,986,718.25
10,813,488.12
10,637,681.19
10,459,259.14
10,278,183.06
10,094,413.47
9,907,910.31
9,718,632.91
9,526,540.02
9,331,589.74
9,133,739.58
8,932,946.39
8,729,166.41
8,522,355.20
8,312,467.67
8,099,458.06
7,883,279.94
7,663,886.17
7,441,228.92
7,215,259.64
6,985,929.06
6,753,187.19
6,516,983.29
6,277,265.86
6,033,982.63
5,787,080.56
5,536,505.82
5,282,203.78
5,024,119.00
4,762,195.21
4,496,375.30
4,226,601.33
3,952,814.46
3,674,955.01
3,392,962.41
3,106,775.16
2,816,330.88
2,521,566.24
2,222,416.98
1,918,817.87
1,610,702.73
1,298,004.37
980,654.62
658,584.30
331,723.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
Extra
Payment
-
Total
Payment
Principal
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
331,723.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00
138,814.59
140,879.45
142,975.04
145,101.79
147,260.18
149,450.67
151,673.75
153,929.90
156,219.61
158,543.37
160,901.71
163,295.12
165,724.14
168,189.28
170,691.10
173,230.13
175,806.93
178,422.05
181,076.08
183,769.59
186,503.16
189,277.40
192,092.90
194,950.28
197,850.16
200,793.18
203,779.98
206,811.21
209,887.53
213,009.60
216,178.12
219,393.77
222,657.25
225,969.28
229,330.57
232,741.87
236,203.90
239,717.43
243,283.23
246,902.07
250,574.74
254,302.04
258,084.78
261,923.79
265,819.91
269,773.98
273,786.87
277,859.45
281,992.61
286,187.25
290,444.28
294,764.64
299,149.26
303,599.11
308,115.15
312,698.36
317,349.75
322,070.32
326,861.12
326,788.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
197,842.97
195,778.11
193,682.52
191,555.77
189,397.38
187,206.89
184,983.81
182,727.66
180,437.95
178,114.19
175,755.85
173,362.44
170,933.43
168,468.28
165,966.46
163,427.43
160,850.64
158,235.51
155,581.48
152,887.97
150,154.40
147,380.17
144,564.66
141,707.28
138,807.40
135,864.38
132,877.58
129,846.35
126,770.03
123,647.96
120,479.44
117,263.79
114,000.31
110,688.28
107,326.99
103,915.69
100,453.66
96,940.13
93,374.33
89,755.49
86,082.82
82,355.52
78,572.78
74,733.77
70,837.65
66,883.58
62,870.69
58,798.12
54,664.96
50,470.32
46,213.28
41,892.92
37,508.30
33,058.45
28,542.42
23,959.20
19,307.81
14,587.24
9,796.44
4,934.38
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
Payment
Date
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
Payment
Date
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
Payment
Date
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035
11/1/2035
12/1/2035
1/1/2036
2/1/2036
3/1/2036
4/1/2036
5/1/2036
6/1/2036
7/1/2036
8/1/2036
9/1/2036
10/1/2036
11/1/2036
12/1/2036
1/1/2037
Beginning
Balance
Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Ending
Balance
$ 21,022,225.01
20,998,273.04
20,973,964.79
20,949,294.96
20,924,258.16
20,898,848.94
20,873,061.76
20,846,890.99
20,820,330.93
20,793,375.79
20,766,019.70
20,738,256.68
20,710,080.68
20,681,485.57
20,652,465.11
20,623,012.97
20,593,122.72
20,562,787.86
20,532,001.77
20,500,757.74
20,469,048.95
20,436,868.49
20,404,209.35
20,371,064.40
20,337,426.42
20,303,288.08
20,268,641.93
20,233,480.42
20,197,795.88
20,161,580.53
20,124,826.48
20,087,525.71
20,049,670.09
20,011,251.38
19,972,261.18
19,932,691.00
19,892,532.22
19,851,776.08
19,810,413.68
19,768,436.03
19,725,833.95
19,682,598.17
19,638,719.26
19,594,187.64
19,548,993.62
19,503,127.34
19,456,578.80
19,409,337.85
19,361,394.19
19,312,737.37
19,263,356.77
19,213,241.64
19,162,381.05
Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
Payment No
83,212.97
83,118.16
83,021.94
82,924.29
82,825.19
82,724.61
82,622.54
82,518.94
82,413.81
82,307.11
82,198.83
82,088.93
81,977.40
81,864.21
81,749.34
81,632.76
81,514.44
81,394.37
81,272.51
81,148.83
81,023.32
80,895.94
80,766.66
80,635.46
80,502.31
80,367.18
80,230.04
80,090.86
79,949.61
79,806.26
79,660.77
79,513.12
79,363.28
79,211.20
79,056.87
78,900.24
78,741.27
78,579.95
78,416.22
78,250.06
78,081.43
77,910.28
77,736.60
77,560.33
77,381.43
77,199.88
77,015.62
76,828.63
76,638.85
76,446.25
76,250.79
76,052.41
75,851.09
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Ending
Balance
19,110,763.91
19,058,378.96
19,005,214.79
18,951,259.80
18,896,502.23
18,840,930.13
18,784,531.41
18,727,293.75
18,669,204.69
18,610,251.54
18,550,421.48
18,489,701.43
18,428,078.18
18,365,538.28
18,302,068.10
18,237,653.81
18,172,281.35
18,105,936.47
18,038,604.71
17,970,271.40
17,900,921.62
17,830,540.27
17,759,112.00
17,686,621.23
17,613,052.16
17,538,388.75
17,462,614.72
17,385,713.55
17,307,668.48
17,228,462.49
17,148,078.30
17,066,498.41
16,983,705.01
16,899,680.06
16,814,405.24
16,727,861.96
16,640,031.34
16,550,894.25
16,460,431.24
16,368,622.59
16,275,448.29
16,180,888.02
16,084,921.17
15,987,526.81
15,888,683.71
15,788,370.32
15,686,564.77
15,583,244.86
15,478,388.07
15,371,971.53
15,263,972.04
15,154,366.07
15,043,129.70
14,930,238.69
14,815,668.43
14,699,393.94
14,581,389.86
14,461,630.48
14,340,089.67
14,216,740.94
14,091,557.40
13,964,511.76
13,835,576.31
13,704,722.95
13,571,923.14
13,437,147.93
13,300,367.95
Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
75,646.77
75,439.42
75,228.98
75,015.40
74,798.65
74,578.68
74,355.44
74,128.87
73,898.94
73,665.58
73,428.75
73,188.40
72,944.48
72,696.92
72,445.69
72,190.71
71,931.95
71,669.33
71,402.81
71,132.32
70,857.81
70,579.22
70,296.48
70,009.54
69,718.33
69,422.79
69,122.85
68,818.45
68,509.52
68,196.00
67,877.81
67,554.89
67,227.17
66,894.57
66,557.02
66,214.45
65,866.79
65,513.96
65,155.87
64,792.46
64,423.65
64,049.35
63,669.48
63,283.96
62,892.71
62,495.63
62,092.65
61,683.68
61,268.62
60,847.39
60,419.89
59,986.03
59,545.72
59,098.86
58,645.35
7,992,822.48
Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
Ending
Balance
13,161,553.36
13,020,673.91
12,877,698.87
12,732,597.08
12,585,336.90
12,435,886.22
12,284,212.47
12,130,282.57
11,974,062.96
11,815,519.59
11,654,617.88
11,491,322.76
11,325,598.63
11,157,409.34
10,986,718.25
10,813,488.12
10,637,681.19
10,459,259.14
10,278,183.06
10,094,413.47
9,907,910.31
9,718,632.91
9,526,540.02
9,331,589.74
9,133,739.58
8,932,946.39
8,729,166.41
8,522,355.20
8,312,467.67
8,099,458.06
7,883,279.94
7,663,886.17
7,441,228.92
7,215,259.64
6,985,929.06
6,753,187.19
6,516,983.29
6,277,265.86
6,033,982.63
5,787,080.56
5,536,505.82
5,282,203.78
5,024,119.00
4,762,195.21
4,496,375.30
4,226,601.33
3,952,814.46
3,674,955.01
3,392,962.41
3,106,775.16
2,816,330.88
2,521,566.24
2,222,416.98
1,918,817.87
1,610,702.73
1,298,004.37
980,654.62
658,584.30
331,723.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments
Loan Summary
Scheduled Payment $
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments $
Total Interest $
KES 32,812,320.88
18.25 %
15
12
1/1/2008
534,329.07
180
180
63,366,911.36
Lender Name:
Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Payment
Date
Beginning
Balance
2/1/2008 $ 32,812,320.88
3/1/2008
32,777,012.52
4/1/2008
32,741,167.19
5/1/2008
32,704,776.71
6/1/2008
32,667,832.78
7/1/2008
32,630,327.01
8/1/2008
32,592,250.83
9/1/2008
32,553,595.57
10/1/2008
32,514,352.44
11/1/2008
32,474,512.48
12/1/2008
32,434,066.62
1/1/2009
32,393,005.65
2/1/2009
32,351,320.21
3/1/2009
32,309,000.80
4/1/2009
32,266,037.79
5/1/2009
32,222,421.38
6/1/2009
32,178,141.64
7/1/2009
32,133,188.47
8/1/2009
32,087,551.65
9/1/2009
32,041,220.76
10/1/2009
31,994,185.26
11/1/2009
31,946,434.42
12/1/2009
31,897,957.38
1/1/2010
31,848,743.08
2/1/2010
31,798,780.31
3/1/2010
31,748,057.70
4/1/2010
31,696,563.67
5/1/2010
31,644,286.51
6/1/2010
31,591,214.30
7/1/2010
31,537,334.95
8/1/2010
31,482,636.18
9/1/2010
31,427,105.54
10/1/2010
31,370,730.37
11/1/2010
31,313,497.83
12/1/2010
31,255,394.87
1/1/2011
31,196,408.27
2/1/2011
31,136,524.57
3/1/2011
31,075,730.15
4/1/2011
31,014,011.15
5/1/2011
30,951,353.50
6/1/2011
30,887,742.93
7/1/2011
30,823,164.95
8/1/2011
30,757,604.85
9/1/2011
30,691,047.69
10/1/2011
30,623,478.31
11/1/2011
30,554,881.30
12/1/2011
30,485,241.06
1/1/2012
30,414,541.70
2/1/2012
30,342,767.12
3/1/2012
30,269,900.96
4/1/2012
30,195,926.64
5/1/2012
30,120,827.29
6/1/2012
30,044,585.80
Scheduled
Payment
$
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
Extra
Payment
$
Total
Payment
$ 534,329.07 $
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
Principal
35,308.35
35,845.34
36,390.48
36,943.92
37,505.78
38,076.18
38,655.25
39,243.14
39,839.96
40,445.86
41,060.97
41,685.44
42,319.41
42,963.01
43,616.41
44,279.74
44,953.16
45,636.83
46,330.89
47,035.50
47,750.83
48,477.04
49,214.30
49,962.77
50,722.62
51,494.02
52,277.16
53,072.21
53,879.35
54,698.77
55,530.64
56,375.17
57,232.54
58,102.96
58,986.60
59,883.69
60,794.42
61,719.01
62,657.65
63,610.57
64,577.98
65,560.10
66,557.16
67,569.38
68,597.00
69,640.25
70,699.36
71,774.58
72,866.15
73,974.32
75,099.35
76,241.49
77,400.99
Interest
$
499,020.71
498,483.73
497,938.58
497,385.15
496,823.29
496,252.89
495,673.81
495,085.93
494,489.11
493,883.21
493,268.10
492,643.63
492,009.66
491,366.05
490,712.66
490,049.33
489,375.90
488,692.24
487,998.18
487,293.57
486,578.23
485,852.02
485,114.77
484,366.30
483,606.45
482,835.04
482,051.91
481,256.86
480,449.72
479,630.30
478,798.43
477,953.90
477,096.52
476,226.11
475,342.46
474,445.38
473,534.64
472,610.06
471,671.42
470,718.50
469,751.09
468,768.97
467,771.91
466,759.68
465,732.07
464,688.82
463,629.71
462,554.49
461,462.92
460,354.74
459,229.72
458,087.58
456,928.08
Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
Payment
Date
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
Beginning
Balance
29,967,184.81
29,888,606.68
29,808,833.50
29,727,847.11
29,645,629.05
29,562,160.59
29,477,422.72
29,391,396.12
29,304,061.20
29,215,398.06
29,125,386.51
29,034,006.03
28,941,235.80
28,847,054.69
28,751,441.25
28,654,373.68
28,555,829.88
28,455,787.39
28,354,223.43
28,251,114.84
28,146,438.14
28,040,169.49
27,932,284.66
27,822,759.09
27,711,567.82
27,598,685.51
27,484,086.45
27,367,744.53
27,249,633.25
27,129,725.68
27,007,994.53
26,884,412.04
26,758,950.07
26,631,580.04
26,502,272.92
26,370,999.25
26,237,729.13
26,102,432.19
25,965,077.61
25,825,634.10
25,684,069.88
25,540,352.71
25,394,449.84
25,246,328.03
25,095,953.53
24,943,292.09
24,788,308.93
24,630,968.72
24,471,235.64
24,309,073.28
24,144,444.70
23,977,312.39
23,807,638.29
23,635,383.72
23,460,509.44
23,282,975.62
23,102,741.81
22,919,766.94
22,734,009.33
22,545,426.65
22,353,975.95
22,159,613.60
21,962,295.32
21,761,976.16
21,558,610.48
21,352,151.94
21,142,553.52
Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
Extra
Payment
-
Total
Payment
Principal
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
78,578.13
79,773.17
80,986.39
82,218.06
83,468.46
84,737.88
86,026.60
87,334.92
88,663.14
90,011.56
91,380.48
92,770.23
94,181.11
95,613.44
97,067.57
98,543.80
100,042.49
101,563.97
103,108.59
104,676.70
106,268.65
107,884.82
109,525.57
111,191.27
112,882.31
114,599.06
116,341.92
118,111.29
119,907.56
121,731.16
123,582.48
125,461.97
127,370.04
129,307.12
131,273.67
133,270.12
135,296.94
137,354.58
139,443.51
141,564.22
143,717.17
145,902.87
148,121.81
150,374.50
152,661.44
154,983.17
157,340.20
159,733.09
162,162.36
164,628.58
167,132.30
169,674.11
172,254.57
174,874.27
177,533.82
180,233.81
182,974.87
185,757.61
188,582.68
191,450.70
194,362.35
197,318.28
200,319.16
203,365.68
206,458.53
209,598.42
212,786.07
Interest
455,750.94
454,555.89
453,342.68
452,111.01
450,860.61
449,591.19
448,302.47
446,994.15
445,665.93
444,317.51
442,948.59
441,558.84
440,147.96
438,715.62
437,261.50
435,785.27
434,286.58
432,765.10
431,220.48
429,652.37
428,060.41
426,444.24
424,803.50
423,137.79
421,446.76
419,730.01
417,987.15
416,217.78
414,421.51
412,597.91
410,746.58
408,867.10
406,959.03
405,021.95
403,055.40
401,058.95
399,032.13
396,974.49
394,885.56
392,764.85
390,611.90
388,426.20
386,207.26
383,954.57
381,667.63
379,345.90
376,988.86
374,595.98
372,166.71
369,700.49
367,196.76
364,654.96
362,074.50
359,454.79
356,795.25
354,095.25
351,354.20
348,571.46
345,746.39
342,878.36
339,966.72
337,010.79
334,009.91
330,963.39
327,870.53
324,730.64
321,543.00
Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
Payment
Date
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
Beginning
Balance
20,929,767.45
20,713,745.27
20,494,437.74
20,271,794.91
20,045,766.06
19,816,299.68
19,583,343.51
19,346,844.45
19,106,748.65
18,863,001.38
18,615,547.12
18,364,329.50
18,109,291.28
17,850,374.35
17,587,519.72
17,320,667.52
17,049,756.94
16,774,726.25
16,495,512.81
16,212,053.00
15,924,282.24
15,632,134.97
15,335,544.62
15,034,443.62
14,728,763.39
14,418,434.26
14,103,385.55
13,783,545.47
13,458,841.15
13,129,198.63
12,794,542.79
12,454,797.39
12,109,885.04
11,759,727.14
11,404,243.92
11,043,354.39
10,676,976.34
10,305,026.29
9,927,419.49
9,544,069.93
9,154,890.26
8,759,791.82
8,358,684.58
7,951,477.17
7,538,076.82
7,118,389.34
6,692,319.11
6,259,769.06
5,820,640.65
5,374,833.82
4,922,247.02
4,462,777.12
3,996,319.46
3,522,767.75
3,042,014.11
2,553,949.00
2,058,461.24
1,555,437.94
1,044,764.49
526,324.55
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
Extra
Payment
-
Total
Payment
Principal
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
526,324.55
0.00
0.00
0.00
0.00
0.00
0.00
0.00
216,022.19
219,307.53
222,642.83
226,028.85
229,466.38
232,956.18
236,499.05
240,095.81
243,747.27
247,454.26
251,217.62
255,038.22
258,916.93
262,854.62
266,852.21
270,910.58
275,030.68
279,213.44
283,459.81
287,770.76
292,147.28
296,590.35
301,100.99
305,680.24
310,329.12
315,048.71
319,840.08
324,704.31
329,642.53
334,655.84
339,745.40
344,912.36
350,157.90
355,483.22
360,889.53
366,378.05
371,950.05
377,606.79
383,349.56
389,179.67
395,098.45
401,107.23
407,207.41
413,400.35
419,687.48
426,070.23
432,550.05
439,128.41
445,806.82
452,586.80
459,469.89
466,457.67
473,551.71
480,753.64
488,065.10
495,487.76
503,023.30
510,673.45
518,439.94
518,320.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
318,306.88
315,021.54
311,686.24
308,300.21
304,862.69
301,372.89
297,830.02
294,233.26
290,581.80
286,874.81
283,111.45
279,290.84
275,412.14
271,474.44
267,476.86
263,418.49
259,298.39
255,115.63
250,869.26
246,558.31
242,181.79
237,738.72
233,228.07
228,648.83
223,999.94
219,280.35
214,488.99
209,624.75
204,686.54
199,673.23
194,583.67
189,416.71
184,171.17
178,845.85
173,439.54
167,951.01
162,379.02
156,722.27
150,979.50
145,149.40
139,230.62
133,221.83
127,121.66
120,928.72
114,641.58
108,258.84
101,779.02
95,200.65
88,522.24
81,742.26
74,859.17
67,871.40
60,777.36
53,575.43
46,263.96
38,841.31
31,305.76
23,655.62
15,889.13
8,004.52
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
Payment
Date
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
Payment
Date
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
Payment
Date
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035
11/1/2035
12/1/2035
1/1/2036
2/1/2036
3/1/2036
4/1/2036
5/1/2036
6/1/2036
7/1/2036
8/1/2036
9/1/2036
10/1/2036
11/1/2036
12/1/2036
1/1/2037
2/1/2037
3/1/2037
4/1/2037
5/1/2037
6/1/2037
7/1/2037
8/1/2037
9/1/2037
10/1/2037
11/1/2037
12/1/2037
1/1/2038
Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Ending
Balance
$ 32,777,012.52
32,741,167.19
32,704,776.71
32,667,832.78
32,630,327.01
32,592,250.83
32,553,595.57
32,514,352.44
32,474,512.48
32,434,066.62
32,393,005.65
32,351,320.21
32,309,000.80
32,266,037.79
32,222,421.38
32,178,141.64
32,133,188.47
32,087,551.65
32,041,220.76
31,994,185.26
31,946,434.42
31,897,957.38
31,848,743.08
31,798,780.31
31,748,057.70
31,696,563.67
31,644,286.51
31,591,214.30
31,537,334.95
31,482,636.18
31,427,105.54
31,370,730.37
31,313,497.83
31,255,394.87
31,196,408.27
31,136,524.57
31,075,730.15
31,014,011.15
30,951,353.50
30,887,742.93
30,823,164.95
30,757,604.85
30,691,047.69
30,623,478.31
30,554,881.30
30,485,241.06
30,414,541.70
30,342,767.12
30,269,900.96
30,195,926.64
30,120,827.29
30,044,585.80
29,967,184.81
Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
Payment No
129,742.34
129,600.45
129,456.41
129,310.17
129,161.71
129,010.99
128,857.98
128,702.65
128,544.95
128,384.85
128,222.31
128,057.31
127,889.79
127,719.73
127,547.08
127,371.81
127,193.87
127,013.23
126,829.83
126,643.65
126,454.64
126,262.75
126,067.94
125,870.17
125,669.40
125,465.56
125,258.63
125,048.56
124,835.28
124,618.77
124,398.96
124,175.81
123,949.26
123,719.27
123,485.78
123,248.74
123,008.10
122,763.79
122,515.77
122,263.98
122,008.36
121,748.85
121,485.40
121,217.93
120,946.41
120,670.75
120,390.89
120,106.79
119,818.36
119,525.54
119,228.27
118,926.49
118,620.11
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Ending
Balance
29,888,606.68
29,808,833.50
29,727,847.11
29,645,629.05
29,562,160.59
29,477,422.72
29,391,396.12
29,304,061.20
29,215,398.06
29,125,386.51
29,034,006.03
28,941,235.80
28,847,054.69
28,751,441.25
28,654,373.68
28,555,829.88
28,455,787.39
28,354,223.43
28,251,114.84
28,146,438.14
28,040,169.49
27,932,284.66
27,822,759.09
27,711,567.82
27,598,685.51
27,484,086.45
27,367,744.53
27,249,633.25
27,129,725.68
27,007,994.53
26,884,412.04
26,758,950.07
26,631,580.04
26,502,272.92
26,370,999.25
26,237,729.13
26,102,432.19
25,965,077.61
25,825,634.10
25,684,069.88
25,540,352.71
25,394,449.84
25,246,328.03
25,095,953.53
24,943,292.09
24,788,308.93
24,630,968.72
24,471,235.64
24,309,073.28
24,144,444.70
23,977,312.39
23,807,638.29
23,635,383.72
23,460,509.44
23,282,975.62
23,102,741.81
22,919,766.94
22,734,009.33
22,545,426.65
22,353,975.95
22,159,613.60
21,962,295.32
21,761,976.16
21,558,610.48
21,352,151.94
21,142,553.52
20,929,767.45
Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
118,309.07
117,993.30
117,672.73
117,347.28
117,016.89
116,681.46
116,340.94
115,995.24
115,644.28
115,287.99
114,926.27
114,559.06
114,186.26
113,807.79
113,423.56
113,033.49
112,637.49
112,235.47
111,827.33
111,412.98
110,992.34
110,565.29
110,131.75
109,691.62
109,244.80
108,791.18
108,330.66
107,863.13
107,388.50
106,906.64
106,417.46
105,920.84
105,416.67
104,904.83
104,385.21
103,857.68
103,322.13
102,778.43
102,226.47
101,666.11
101,097.23
100,519.70
99,933.38
99,338.15
98,733.86
98,120.39
97,497.58
96,865.31
96,223.42
95,571.76
94,910.19
94,238.57
93,556.73
92,864.52
92,161.78
12,501,809.64
Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
Ending
Balance
20,713,745.27
20,494,437.74
20,271,794.91
20,045,766.06
19,816,299.68
19,583,343.51
19,346,844.45
19,106,748.65
18,863,001.38
18,615,547.12
18,364,329.50
18,109,291.28
17,850,374.35
17,587,519.72
17,320,667.52
17,049,756.94
16,774,726.25
16,495,512.81
16,212,053.00
15,924,282.24
15,632,134.97
15,335,544.62
15,034,443.62
14,728,763.39
14,418,434.26
14,103,385.55
13,783,545.47
13,458,841.15
13,129,198.63
12,794,542.79
12,454,797.39
12,109,885.04
11,759,727.14
11,404,243.92
11,043,354.39
10,676,976.34
10,305,026.29
9,927,419.49
9,544,069.93
9,154,890.26
8,759,791.82
8,358,684.58
7,951,477.17
7,538,076.82
7,118,389.34
6,692,319.11
6,259,769.06
5,820,640.65
5,374,833.82
4,922,247.02
4,462,777.12
3,996,319.46
3,522,767.75
3,042,014.11
2,553,949.00
2,058,461.24
1,555,437.94
1,044,764.49
526,324.55
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments
Loan Summary
Scheduled Payment $
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments $
Total Interest $
KES 45,458,481.25
18.45 %
15
12
1/1/2009
746,838.17
180
180
88,972,388.62
Lender Name:
Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Payment
Date
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
Beginning
Balance
45,458,481.25
45,410,567.23
45,361,916.54
45,312,517.84
45,262,359.64
45,211,430.25
45,159,717.82
45,107,210.32
45,053,895.51
44,999,760.99
44,944,794.15
44,888,982.19
44,832,312.13
44,774,770.76
44,716,344.70
44,657,020.33
44,596,783.85
44,535,621.24
44,473,518.25
44,410,460.42
44,346,433.09
44,281,421.33
44,215,410.02
44,148,383.78
44,080,327.01
44,011,223.88
43,941,058.28
43,869,813.88
43,797,474.11
43,724,022.10
43,649,440.78
43,573,712.76
43,496,820.43
43,418,745.88
43,339,470.93
43,258,977.13
43,177,245.74
43,094,257.73
43,009,993.77
42,924,434.26
42,837,559.27
42,749,348.58
42,659,781.65
42,568,837.62
42,476,495.34
42,382,733.29
42,287,529.65
42,190,862.25
42,092,708.59
41,993,045.82
41,891,850.73
41,789,099.77
41,684,769.01
Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
Extra
Payment
-
Total
Payment
Principal
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
47,914.02
48,650.69
49,398.70
50,158.20
50,929.39
51,712.43
52,507.50
53,314.81
54,134.52
54,966.84
55,811.96
56,670.06
57,541.37
58,426.07
59,324.37
60,236.48
61,162.61
62,102.99
63,057.82
64,027.34
65,011.76
66,011.31
67,026.24
68,056.77
69,103.14
70,165.60
71,244.39
72,339.78
73,452.00
74,581.33
75,728.01
76,892.33
78,074.55
79,274.95
80,493.80
81,731.39
82,988.01
84,263.95
85,559.51
86,874.99
88,210.69
89,566.93
90,944.02
92,342.29
93,762.05
95,203.64
96,667.40
98,153.66
99,662.77
101,195.09
102,750.96
104,330.76
105,934.84
Interest
698,924.15
698,187.47
697,439.47
696,679.96
695,908.78
695,125.74
694,330.66
693,523.36
692,703.64
691,871.33
691,026.21
690,168.10
689,296.80
688,412.10
687,513.80
686,601.69
685,675.55
684,735.18
683,780.34
682,810.83
681,826.41
680,826.85
679,811.93
678,781.40
677,735.03
676,672.57
675,593.77
674,498.39
673,386.16
672,256.84
671,110.15
669,945.83
668,763.61
667,563.22
666,344.37
665,106.77
663,850.15
662,574.21
661,278.65
659,963.18
658,627.47
657,271.23
655,894.14
654,495.88
653,076.12
651,634.52
650,170.77
648,684.51
647,175.39
645,643.08
644,087.20
642,507.41
640,903.32
Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
Payment
Date
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
Beginning
Balance
41,578,834.17
41,471,270.58
41,362,053.20
41,251,156.60
41,138,554.97
41,024,222.08
40,908,131.33
40,790,255.69
40,670,567.70
40,549,039.51
40,425,642.83
40,300,348.92
40,173,128.62
40,043,952.31
39,912,789.91
39,779,610.89
39,644,384.24
39,507,078.48
39,367,661.65
39,226,101.28
39,082,364.42
38,936,417.61
38,788,226.86
38,637,757.68
38,484,975.04
38,329,843.37
38,172,326.54
38,012,387.90
37,849,990.20
37,685,095.63
37,517,665.81
37,347,661.75
37,175,043.89
36,999,772.02
36,821,805.35
36,641,102.44
36,457,621.23
36,271,318.99
36,082,152.35
35,890,077.28
35,695,049.05
35,497,022.26
35,295,950.81
35,091,787.89
34,884,485.96
34,673,996.77
34,460,271.30
34,243,259.81
34,022,911.76
33,799,175.87
33,572,000.03
33,341,331.36
33,107,116.17
32,869,299.91
32,627,827.23
32,382,641.91
32,133,686.86
31,880,904.13
31,624,234.87
31,363,619.31
31,098,996.79
30,830,305.70
30,557,483.49
30,280,466.63
29,999,190.64
29,713,590.03
29,423,598.31
Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
Extra
Payment
-
Total
Payment
Principal
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
107,563.59
109,217.38
110,896.60
112,601.63
114,332.88
116,090.75
117,875.65
119,687.98
121,528.19
123,396.68
125,293.91
127,220.30
129,176.31
131,162.40
133,179.02
135,226.65
137,305.76
139,416.83
141,560.37
143,736.86
145,946.81
148,190.75
150,469.18
152,782.64
155,131.67
157,516.82
159,938.65
162,397.70
164,894.57
167,429.82
170,004.05
172,617.87
175,271.87
177,966.67
180,702.91
183,481.22
186,302.24
189,166.64
192,075.07
195,028.23
198,026.79
201,071.45
204,162.92
207,301.93
210,489.19
213,725.47
217,011.49
220,348.05
223,735.90
227,175.84
230,668.67
234,215.20
237,816.25
241,472.68
245,185.32
248,955.05
252,782.73
256,669.26
260,615.55
264,622.52
268,691.09
272,822.22
277,016.86
281,275.99
285,600.61
289,991.72
294,450.34
Interest
639,274.58
637,620.79
635,941.57
634,236.53
632,505.28
630,747.41
628,962.52
627,150.18
625,309.98
623,441.48
621,544.26
619,617.86
617,661.85
615,675.77
613,659.14
611,611.52
609,532.41
607,421.33
605,277.80
603,101.31
600,891.35
598,647.42
596,368.99
594,055.52
591,706.49
589,321.34
586,899.52
584,440.46
581,943.60
579,408.35
576,834.11
574,220.30
571,566.30
568,871.49
566,135.26
563,356.95
560,535.93
557,671.53
554,763.09
551,809.94
548,811.38
545,766.72
542,675.24
539,536.24
536,348.97
533,112.70
529,826.67
526,490.12
523,102.27
519,662.33
516,169.50
512,622.97
509,021.91
505,365.49
501,652.84
497,883.12
494,055.44
490,168.90
486,222.61
482,215.65
478,147.08
474,015.95
469,821.31
465,562.17
461,237.56
456,846.45
452,387.82
Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
Payment
Date
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
Beginning
Balance
29,129,147.97
28,830,170.45
28,526,596.16
28,218,354.41
27,905,373.44
27,587,580.39
27,264,901.27
26,937,260.96
26,604,583.19
26,266,790.49
25,923,804.22
25,575,544.55
25,221,930.38
24,862,879.39
24,498,308.00
24,128,131.32
23,752,263.17
23,370,616.05
22,983,101.11
22,589,628.12
22,190,105.49
21,784,440.19
21,372,537.80
20,954,302.40
20,529,636.63
20,098,441.63
19,660,617.00
19,216,060.82
18,764,669.59
18,306,338.22
17,840,960.01
17,368,426.60
16,888,627.99
16,401,452.48
15,906,786.65
15,404,515.33
14,894,521.58
14,376,686.69
13,850,890.08
13,317,009.35
12,774,920.20
12,224,496.43
11,665,609.90
11,098,130.49
10,521,926.08
9,936,862.52
9,342,803.62
8,739,611.06
8,127,144.41
7,505,261.09
6,873,816.32
6,232,663.08
5,581,652.10
4,920,631.84
4,249,448.39
3,567,945.49
2,875,964.49
2,173,344.28
1,459,921.28
735,529.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
Extra
Payment
-
Total
Payment
Principal
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
735,529.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
298,977.52
303,574.30
308,241.75
312,980.97
317,793.05
322,679.12
327,640.31
332,677.78
337,792.70
342,986.26
348,259.68
353,614.17
359,050.99
364,571.40
370,176.68
375,868.15
381,647.12
387,514.94
393,472.99
399,522.63
405,665.29
411,902.40
418,235.40
424,665.77
431,195.00
437,824.63
444,556.18
451,391.23
458,331.37
465,378.22
472,533.41
479,798.61
487,175.51
494,665.83
502,271.32
509,993.74
517,834.90
525,796.61
533,880.73
542,089.15
550,423.77
558,886.53
567,479.41
576,204.41
585,063.55
594,058.90
603,192.56
612,466.65
621,883.32
631,444.78
641,153.24
651,010.97
661,020.26
671,183.45
681,502.90
691,981.00
702,620.21
713,423.00
724,391.88
724,220.64
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
447,860.65
443,263.87
438,596.42
433,857.20
429,045.12
424,159.05
419,197.86
414,160.39
409,045.47
403,851.90
398,578.49
393,224.00
387,787.18
382,266.77
376,661.49
370,970.02
365,191.05
359,323.22
353,365.18
347,315.53
341,172.87
334,935.77
328,602.77
322,172.40
315,643.16
309,013.54
302,281.99
295,446.94
288,506.79
281,459.95
274,304.76
267,039.56
259,662.66
252,172.33
244,566.84
236,844.42
229,003.27
221,041.56
212,957.43
204,749.02
196,414.40
187,951.63
179,358.75
170,633.76
161,774.61
152,779.26
143,645.61
134,371.52
124,954.85
115,393.39
105,684.93
95,827.19
85,817.90
75,654.71
65,335.27
54,857.16
44,217.95
33,415.17
22,446.29
11,308.76
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
Payment
Date
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
Payment
Date
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035
Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
Payment
Date
11/1/2035
12/1/2035
1/1/2036
2/1/2036
3/1/2036
4/1/2036
5/1/2036
6/1/2036
7/1/2036
8/1/2036
9/1/2036
10/1/2036
11/1/2036
12/1/2036
1/1/2037
2/1/2037
3/1/2037
4/1/2037
5/1/2037
6/1/2037
7/1/2037
8/1/2037
9/1/2037
10/1/2037
11/1/2037
12/1/2037
1/1/2038
2/1/2038
3/1/2038
4/1/2038
5/1/2038
6/1/2038
7/1/2038
8/1/2038
9/1/2038
10/1/2038
11/1/2038
12/1/2038
1/1/2039
Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
Extra
Payment
-
Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Ending
Balance
45,410,567.23
45,361,916.54
45,312,517.84
45,262,359.64
45,211,430.25
45,159,717.82
45,107,210.32
45,053,895.51
44,999,760.99
44,944,794.15
44,888,982.19
44,832,312.13
44,774,770.76
44,716,344.70
44,657,020.33
44,596,783.85
44,535,621.24
44,473,518.25
44,410,460.42
44,346,433.09
44,281,421.33
44,215,410.02
44,148,383.78
44,080,327.01
44,011,223.88
43,941,058.28
43,869,813.88
43,797,474.11
43,724,022.10
43,649,440.78
43,573,712.76
43,496,820.43
43,418,745.88
43,339,470.93
43,258,977.13
43,177,245.74
43,094,257.73
43,009,993.77
42,924,434.26
42,837,559.27
42,749,348.58
42,659,781.65
42,568,837.62
42,476,495.34
42,382,733.29
42,287,529.65
42,190,862.25
42,092,708.59
41,993,045.82
41,891,850.73
41,789,099.77
41,684,769.01
41,578,834.17
Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
Payment No
179,750.16
179,557.59
179,362.05
179,163.51
178,961.91
178,757.22
178,549.37
178,338.34
178,124.05
177,906.48
177,685.55
177,461.24
177,233.47
177,002.20
176,767.37
176,528.94
176,286.83
176,041.01
175,791.41
175,537.96
175,280.63
175,019.33
174,754.02
174,484.63
174,211.09
173,933.36
173,651.35
173,365.00
173,074.25
172,779.04
172,479.28
172,174.91
171,865.87
171,552.07
171,233.45
170,909.93
170,581.44
170,247.89
169,909.22
169,565.34
169,216.17
168,861.64
168,501.65
168,136.13
167,764.99
167,388.14
167,005.50
166,616.97
166,222.47
165,821.91
165,415.19
165,002.21
164,582.89
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
Ending
Balance
41,471,270.58
41,362,053.20
41,251,156.60
41,138,554.97
41,024,222.08
40,908,131.33
40,790,255.69
40,670,567.70
40,549,039.51
40,425,642.83
40,300,348.92
40,173,128.62
40,043,952.31
39,912,789.91
39,779,610.89
39,644,384.24
39,507,078.48
39,367,661.65
39,226,101.28
39,082,364.42
38,936,417.61
38,788,226.86
38,637,757.68
38,484,975.04
38,329,843.37
38,172,326.54
38,012,387.90
37,849,990.20
37,685,095.63
37,517,665.81
37,347,661.75
37,175,043.89
36,999,772.02
36,821,805.35
36,641,102.44
36,457,621.23
36,271,318.99
36,082,152.35
35,890,077.28
35,695,049.05
35,497,022.26
35,295,950.81
35,091,787.89
34,884,485.96
34,673,996.77
34,460,271.30
34,243,259.81
34,022,911.76
33,799,175.87
33,572,000.03
33,341,331.36
33,107,116.17
32,869,299.91
32,627,827.23
32,382,641.91
32,133,686.86
31,880,904.13
31,624,234.87
31,363,619.31
31,098,996.79
30,830,305.70
30,557,483.49
30,280,466.63
29,999,190.64
29,713,590.03
29,423,598.31
29,129,147.97
Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
164,157.11
163,724.79
163,285.83
162,840.11
162,387.55
161,928.02
161,461.43
160,987.66
160,506.61
160,018.17
159,522.21
159,018.63
158,507.31
157,988.13
157,460.96
156,925.69
156,382.19
155,830.33
155,269.98
154,701.03
154,123.32
153,536.73
152,941.12
152,336.36
151,722.30
151,098.79
150,465.70
149,822.88
149,170.17
148,507.43
147,834.49
147,151.22
146,457.43
145,752.98
145,037.70
144,311.42
143,573.97
142,825.19
142,064.89
141,292.90
140,509.05
139,713.14
138,904.99
138,084.42
137,251.24
136,405.24
135,546.24
134,674.03
133,788.40
132,889.17
131,976.10
131,049.00
130,107.65
129,151.82
128,181.29
17,347,577.09
Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
Ending
Balance
28,830,170.45
28,526,596.16
28,218,354.41
27,905,373.44
27,587,580.39
27,264,901.27
26,937,260.96
26,604,583.19
26,266,790.49
25,923,804.22
25,575,544.55
25,221,930.38
24,862,879.39
24,498,308.00
24,128,131.32
23,752,263.17
23,370,616.05
22,983,101.11
22,589,628.12
22,190,105.49
21,784,440.19
21,372,537.80
20,954,302.40
20,529,636.63
20,098,441.63
19,660,617.00
19,216,060.82
18,764,669.59
18,306,338.22
17,840,960.01
17,368,426.60
16,888,627.99
16,401,452.48
15,906,786.65
15,404,515.33
14,894,521.58
14,376,686.69
13,850,890.08
13,317,009.35
12,774,920.20
12,224,496.43
11,665,609.90
11,098,130.49
10,521,926.08
9,936,862.52
9,342,803.62
8,739,611.06
8,127,144.41
7,505,261.09
6,873,816.32
6,232,663.08
5,581,652.10
4,920,631.84
4,249,448.39
3,567,945.49
2,875,964.49
2,173,344.28
1,459,921.28
735,529.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin NII
Payment No
Advertising Costs
Depreciation
Rent (RRU , Qway, LPC)
Telephone / Faxes/ Email
MREC CHARGES
Total
Contigency (10% opex)
Total costs of Product to
BARAF
Profit/ Loss to BARAF
Capital Expenditure
Pc's
HP printer
Copier / Fax
Chairs / Units
Total Capex Costs
Depreciation @20% (avg)
YEAR 2
YEAR 3
YEAR 4
YEAR 5
Total
12,448,915
13,487,359
15,206,170
21,045,826
32,812,321
45,458,481
36,558,601
68,709,240
112,925,596
1,495,955
3,026,022
5,120,699
124,489
134,874
152,062
1,620,444
3,160,896
5,272,760
6,500,000
6,415,141
6,415,141
114,835
65,000
179,835
6,500,000
9,529,976
15,815,753
621,387
65,000
686,387
-64,151
-158,158
-365,586
-687,092
-1,129,256
0
0
0
0
0
0
0
0
0
0
150,000
1,500,000
1,650,000
150,000
0
150,000
150,000
0
150,000
150,000
0
150,000
4,504,500
1,680,000
0
0
0
0
0
0
0
0
0
500,000
7,507,500
2,310,000
0
0
0
0
0
0
0
0
0
150,000
150,000
0
150,000
0
8,258,250
2,541,000
0
0
0
0
0
0
30,000
0
0
150,000
9,084,075
2,795,100
0
0
0
0
0
0
0
0
0
150,000
9,992,483
3,074,610
0
0
0
0
0
0
30,000
0
0
150,000
150,000
1,500,000
0
0
0
1.47%
94,303
157,500
1,500,000
0
0
165,375
1,500,000
0
0
0
1.71%
625,152
173,644
1,500,000
0
0
0
1.71%
1,174,928
182,326
1,500,000
0
0
0
1.71%
1,931,028
1.71%
270,449
54,142,444
115,261,745
240,424,331
10,378,898
541,424
10,920,322
0
-2,404,243
0
0
0
0
750,000
1,500,000
2,250,000
0
39,346,808
12,400,710
0
0
0
0
0
0
60,000
0
0
1,100,000
828,845
7,500,000
0
0
0
4,095,860
10,078,803
1,007,880
12,045,449
1,204,545
13,419,777
1,341,978
15,027,747
1,502,775
17,010,446
1,701,045
67,582,222
6,758,222
11,086,683
13,249,994
14,761,755
16,530,521
18,711,491
74,340,444
-10,906,848
-12,563,607
-13,141,310
-13,369,626
-13,438,730
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-63,420,122
0
0
0
0
0
0
0
Attached see the Interest Income Forecasts, Financial Summary indicating the Net Present Value
ASSUMPTIONS.
1. Customer Interest Rate is fixed for 5 years, loan term 15 years. After 5 years the rate reverts to variable or an alternative fixed rate if available at the tim
2. Customer interest rates: Year 1 = 16%, Year 2 = 18%,Year 3 = 19%, Year 4 = 19.5%, Year 5 = 20%.
3a. Cost of funds is as per forecast given by Kihara: Year 1 = 11%, Year 2 = 12.1%,Year 3 = 13.1%, Year 4 = 13.5%, Year 5 =13.7%
3b. Cost of funds does not include MREC charges
3c. Cost of funds is on this model desinged to change with scenarios based around the forecasts being out by 1.5% and 3.0% both ways.
3d. Cost of funds in year 1 is average 9.75% (currently it is 8.5% compared to year end forecast of 11%). This figure does not change with different scenario
4. MREC charges are as percentages (Kihara) and mutlplied by yr end balance to establish cost: Year 1 = 1.47%, Year 2 to Year 5 = 1.71%
5. Negotiation fee taken at 1% in line with existing Home Loan
6. Specific Provision calculated at 1% of the loan book as from Year 1 on each end year balance position
7. New Balance per growth yr on yr assumed to be 20% from KES 600bn in yr 1 to KES 1,244bn in yr 5.
8. Average loan size is estimated at KES 3.5m which amounts to 171 new home loans in yr 1 to 355 new home loans in yr 5.
9. Capex Expenditure is minimal since the existing infrastructure in place will be used.
10a. Staff costs grow by 10% pa
10b. Staff costs pro-rated in year 1 by 66%. All staff costs assume 70% useage, as it is expected 70% of home loan sales will be fixed rate, the rest variable
10c. Staff costs as follows: 10 x B3 sales staff (KES 750,000 pa each), 3 x credit and OPC staff (KES 750,000 pa each) and 1 team leader B5 at KES 3m pa.
9,529,976
21,045,826
32,812,321
145
YEAR 1
New Loans p.a
New Loan Book (end of yr)
Outstanding Book (end of yr)
Total Yearly Net Interest Inco
Negotiation Fee (1% of loan)
Total Income
Costs
Provisions @
-3.00%
Development Costs
Telephones
Total
Implementation
Training
Project Management
Total Implementation Costs
Operating Costs
B3 Sales, Risk and Ops costs
B5 Team Leader costs
Stationery
Documentation Staff
Support Staff (LPC / RRU)
Medical
Entertainment
Legal Costs
Travelling
Consultancy
UK recharges
Brochures & Packs
Direct Mail /Postage/temporary
costs
Advertising Costs
Depreciation
Rent (RRU , Qway, LPC)
Telephone / Faxes/ Email
MREC CHARGES
Total
Contigency (10% opex)
Total costs of Product to
BARAF
Profit/ Loss to BARAF
Capital Expenditure
Pc's (2)
HP printer
Copier / Fax
Chairs / Units
150
YEAR 2
160
YEAR 3
44,828
44,242
44,242
792
448
1,240
43,333
63,533
105,438
4,143
433
4,576
77,806
131,536
228,491
9,350
778
10,128
-442
-1,054
-2,285
0
0
0
1,034
10,345
11,379
0
0
0
1,000
0
1,000
0
0
0
938
0
938
31,066
11,586
0
0
0
0
0
0
0
0
0
3,448
50,050
15,400
0
0
0
0
0
0
0
0
0
1,000
51,614
15,881
0
0
0
0
0
0
188
0
0
938
1,034
10,345
0
0
0
1.47%
650
1,050
10,000
0
0
0
1.46%
1,539
69,509
6,951
80,303
8,030
76,460
0
75,220 0
0
0
0
0
88,333
0
83,757 0
0
0
0
0
1,034
9,375
0
0
0
1.44%
3,290
83,874
8,387
92,261
0
82,133
0
0
0
0
0
0
0
0
0
0
0
Attached see the Interest Income Forecasts, Financial Summary indicating the Net Present Valu
ASSUMPTIONS.
1. Customer Interest Rate is fixed for 5 years, loan term 15 years. After 5 years the rate revert
2. Customer interest rates: Year 1 = 16%, Year 2 = 18%,Year 3 = 19%, Year 4 = 19.5%, Year 5 =
3a. Cost of funds is as per forecast given by Kihara: Year 1 = 11%, Year 2 = 12.1%,Year 3 = 13.1
3b. Cost of funds does not include MREC charges
3c. Cost of funds is on this model desinged to change with scenarios based around the forecas
3d. Cost of funds in year 1 is average 9.75% (currently it is 8.5% compared to year end forecas
4. MREC charges are as percentages (Kihara) and mutlplied by yr end balance to establish cost
5. Negotiation fee taken at 1% in line with existing Home Loan
6. Specific Provision calculated at 1% of the loan book as from Year 1 on each end year balance
7. New Balance per growth yr on yr assumed to be 20% from KES 600bn in yr 1 to KES 1,244bn
8. Average loan size is estimated at KES 3.5m which amounts to 171 new home loans in yr 1 to
9. Capex Expenditure is minimal since the existing infrastructure in place will be used.
10a. Staff costs grow by 10% pa
10b. Staff costs pro-rated in year 1 by 66%. All staff costs assume 70% useage, as it is expecte
10c. Staff costs as follows: 10 x B3 sales staff (KES 750,000 pa each), 3 x credit and OPC staff (
45,458,481
59,249,393
180
YEAR 5
84,479
252,547
627,364
28,448
845
29,293
329,783
684,873
1,409,708
60,533
3,298
63,831
-4,042
-6,274
-14,097
0
0
0
882
0
882
0
0
0
833
0
833
0
0
0
4,688
10,345
15,032
53,436
16,442
0
0
0
0
0
0
0
0
0
882
55,514
17,081
0
0
0
0
0
0
167
0
0
833
241,679
76,390
0
0
0
0
0
0
354
0
0
7,101
1,021
8,824
0
0
0
1.30%
5,254
88,399
8,840
Total
79,337
193,014
404,172
17,800
793
18,594
97,238
0
78,645 0
0
0
0
0
1,013
8,333
0
0
0
1.71%
10,728
5,152
46,877
0
0
0
21,462
94,502
9,450
416,587
41,659
103,953
0
74,660
0
0
0
0
0
458,245
-394,415
0
0
0
0
0
0
0
0
0
0
0
r 5 years the rate reverts to variable or an alternative fixed rate if available at the time.
Year 4 = 19.5%, Year 5 = 20%.
2 = 12.1%,Year 3 = 13.1%, Year 4 = 13.5%, Year 5 =13.7%
ased around the forecasts being out by 1.5% and 3.0% both ways.
ared to year end forecast of 11%). This figure does not change with different scenarios
alance to establish cost: Year 1 = 1.47%, Year 2 to Year 5 = 1.71%
useage, as it is expected 70% of home loan sales will be fixed rate, the rest variable.
x credit and OPC staff (KES 750,000 pa each) and 1 team leader B5 at KES 3m pa.
the time.
Project Name :
error
2 February 2005
Current Conversion rate 1 =
Currency :
Units / Thousands / Millions :
A
2005
Total Benefits
2006
2008
2009
1,240
4,576
10,128
18,594
29,293
74,628 -
83,498 -
82,768 -
80,008 -
79,920 -
74,628 -
158,126 -
240,893 -
320,901
15,032
449,620
464,652
63,831
63,831
400,822
400,822
0.0%
10.0%
10.0%
NPV :
-333,636
#REF!
P&L
2005
2006
2008
2009
74,627.6 -
83,498.2 -
2007
82,767.6 -
80,008.0 -
79,920.3 -
- 74,627.6 - 83,498.2 -
82,767.6 -
80,008.0 -
79,920.3 -
Total
2007
Capital Expenditure
Development Costs
Implementation Costs
Increased Operating Costs
Total Costs
Additional income
Displaced Costs: Staff
Displaced Costs: Other
GBP
Units
Financial Summary
Project Dev. Costs & Cap.Ex.
COMMENTARY
Please comment on any unusual items in the Cost/Benefit Analysis and Profit & Loss Reconciliation.
700000000
248000000
145
4,827,586
1,710,345
Total
400,821.7
400,821.7
801,643.4
Project Name :
1
2 February 2005
Enter first
year only in
this cell eg
"2002"
2005
2006
2007
2008
2009
Total
1:
2:
3:
4:
5:
6:
0.0
0.0
0.0
0.0
0.0
0.0
Development Costs
0.0
2005
CENTRAL
UK Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Afrida Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:
sub total
LOCAL
Local Mandays
Item 7:
Item 8:
sub total
Local External Costs
Item 9:
Item 10:
sub total
CENTRAL
Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Africa Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:
sub total
Restructuring Costs
Item 7:
Item 8:
sub total
LOCAL
Local Mandays
Item 9:Proj. mgmt. & training
Item 10:
sub total
Local External Costs
2006
0.0
0.0
2007
0.0
0.0
2008
2009
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Implementation Costs
0.0
0.0
0.0
0.0
0.0
Total
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2005
2006
0.0
0.0
0.0
2007
0.0
0.0
0.0
2008
0.0
0.0
0.0
2009
0.0
0.0
0.0
Total
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-11,379.3
-1,000.0
-937.5
-882.4
-833.3
-11,379.3
-1,000.0
-937.5
-882.4
-833.3
-15,032.5
0.0
-15,032.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-11,379.3
-1,000.0
-937.5
-882.4
-833.3
-15032.5
Operating Costs
2005
Item
Item
Item
Item
Item
Item
1:Staff Costs
2:Provisions
3:Marketing
4:Other
5:Contingency
6:MREC charges
2006
2007
2008
2009
Total
-42,651.7
-442.4
-13,793.1
0.0
-6,950.9
-650.4
-65,450.0
-1,054.4
-11,000.0
0.0
-8,030.3
-1,539.4
-67,495.3
-2,284.9
-10,312.5
-187.5
-8,387.4
-3,290.3
-69,877.5
-4,041.7
-9,705.9
0.0
-8,839.9
-5,254.2
-72,595.0
-6,273.6
-9,166.7
-166.7
-9,450.2
-10,727.9
-318,069.5
-14,097.1
-53,978.2
-354.2
-41,658.7
-21,462.2
-64,488.5
-87,074.1
-91,957.9
-97,719.2
-108,380.1
-449,619.8
Benefits
2005
2006
2007
2008
Increased Income
Item 1:Net Interest Income
Item 2:Non Interest Income
Item 3:
sub total
Costs Avoided/Displaced: Staff
Item 4:
Item 5:
Item 6:
sub total
Costs Avoided/Displaced: Other
Item 7:
Item 8:
Item 9:
sub total
Total Cash Flow (Benefits)
Headcount Impact
2009
Total
792.0
448.3
4,142.6
433.3
9,349.7
778.1
17,800.1
793.4
28,448.3
844.8
1,240.2
4,575.9
10,127.8
18,593.5
29,293.1
60532.7
3297.8
0.0
63830.5
0.0
0.0
0.0
0.0
0.0
0
29,293
0
0
0
0
63,831
0.0
0
1,240
2005
0.0
0
4,576
2006
0.0
0.0
0
10,128
2007
0.0
0.0
0
18,594
2008
0.0
Total
2009
0.0
0.0
0.0
0.0
0.0
Project Name :
1
2 February 2005
Enter first
year only in
this cell eg
"2002"
2005
2006
2007
2008
2009
Total
1:
2:
3:
4:
5:
0.0
0.0
0.0
0.0
0.0
Item 6:
0.0
Development Costs
0.0
2005
CENTRAL
UK Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Afrida Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:
0.0
2006
0.0
0.0
2007
0.0
0.0
0.0
2008
0.0
0.0
0.0
2009
0.0
0.0
0.0
0.0
Total
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
sub total
0.0
LOCAL
Local Mandays
Item 7:
Item 8:
sub total
Local External Costs
Item 9:
Item 10:
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
sub total
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Implementation Costs
CENTRAL
Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Africa Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:
sub total
Restructuring Costs
Item 7:
Item 8:
sub total
LOCAL
Local Mandays
Item 9: Proj. mgmt. & training
Item 10:
sub total
Local External Costs
Item 11Project manager - contractor
2005
2006
0.0
0.0
0.0
2007
0.0
0.0
0.0
2008
0.0
0.0
0.0
2009
0.0
0.0
0.0
Total
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-11,379.3
-1,000.0
-937.5
-882.4
-833.3
-11,379.3
-1,000.0
-937.5
-882.4
-833.3
-15,032.5
0.0
-15,032.5
0.0
Item 12:
0.0
sub total
0.0
0.0
0.0
0.0
0.0
0.0
-11,379.3
-1,000.0
-937.5
-882.4
-833.3
-15032.5
Operating Costs
2005
Item
Item
Item
Item
Item
1: Staff Costs
2: Provisions
3: Marketing
4: Other
5: Contingency
2006
-42,651.7
-442.4
-13,793.1
0.0
-6,950.9
2007
-65,450.0
-1,054.4
-11,000.0
0.0
-8,030.3
2008
-67,495.3
-2,284.9
-10,312.5
-187.5
-8,387.4
2009
-69,877.5
-4,041.7
-9,705.9
0.0
-8,839.9
Total
-72,595.0
-6,273.6
-9,166.7
-166.7
-9,450.2
-318,069.5
-14,097.1
-53,978.2
-354.2
-41,658.7
-650.4
-1,539.4
-3,290.3
-5,254.2
-10,727.9
-21,462.2
-64,488.5
-87,074.1
-91,957.9
-97,719.2
-108,380.1
-449,619.8
Benefits
2005
2006
2007
2008
Increased Income
Item 1: Net Interest Income
Item 2: Non Interest Income
Item 3:
sub total
Costs Avoided/Displaced: Staff
Item 4:
Item 5:
Item 6:
sub total
Costs Avoided/Displaced: Other
Item 7:
Item 8:
Item 9:
Headcount Impact
Year end FTE
BAU Staff Increases (+ve)
BAU Staff Decreases (-ve)
Net BAU Impact
Total
792.0
448.3
4,142.6
433.3
9,349.7
778.1
17,800.1
793.4
28,448.3
844.8
1,240.2
4,575.9
10,127.8
18,593.5
29,293.1
60532.7
3297.8
0.0
63830.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0
0
0
sub total
Total Cash Flow (Benefits)
2009
1,240
4,576
10,128
18,594
29,293
63,831
2005
2006
2007
2008
Total
2009
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Project Name :
1
2 February 2005
General Notes
Overall, the FTP rate tends to increase by over 100% in the next five years. This showns concern. We however will continue to maintain a margin of over 8% of the period.
Capital Expenditure
Item
Item
Item
Item
Item
Item
1:
2:
3:
4:
5:
6:
Development Costs
CENTRAL
UK SD Mandays
Item 1:
Item 2:
Other UK Barclays Afrida Mandays (non-SD)
Item 3:
Item 4:
External Costs
Item 5:
Item 6:
LOCAL
Local Mandays
Item 7:
Item 8:
Local External Costs
Item 9:
Item 10:
Implementation Costs
CENTRAL
UK SD Mandays
Item 1:
Item 2:
Other UK Barclays Afrida Mandays (non-SD)
Item 3:
Item 4:
External Costs
Item 5:
Item 6:
Restructuring Costs
Item 7:
Item 8:
LOCAL
Local Mandays
Item 9:
Consists of project manager mandays from an internal project manager resource.
Item 10:
Local External Costs
Item 11:
Consists of project manager mandays on a contractor basis.
Item 12:
Operating Costs
Item
Item
Item
Item
Item
Item
1:
2:
3:
4:
5:
6:
Benefits
Increased Income
Increased income in the form of interest turn on funds advanced to GenFin (shown net of cost of funds from Treasury, and does not
Item 1:
include interest turn accruing to Treasury)
Item 2:
Item 3:
Costs Avoided/Displaced: Staff
Item 4:
Item 5:
Item 6:
Costs Avoided/Displaced: Other
Item 7:
Item 8:
Item 9: