Term Deposit Interest Calculator by Richard_Cataman

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									Loan's Depreciation Plan with 1/1 deposits and interest rate calculation in deposits

CALCULATOR - LOANS WITH DEPOSIT 1/1
We assume you have termed your deposits for that period of time bearing 4 % of annual interest.
In this way, you can get a loan with interest rate of 6% annually (flowing)


Calculating the interest rate in deposits, the interest rate the client gets             Summary:
deposit                            1,000.00 €                                            In this case, the client must pay 63.69 EUR interest
term                                          24                                         rate for the recieved loan, at the same time he will earn
interest rate                            4.00%                                           interest rate from the deposit of 80 EUR.
Total Interest                        80.00 €         (after three years)                Hereby, he will earn a interest rate of 16.31 EUR,
                                                                                         and in the end, he will have tha saved money!
Loan's Depreciation plan with 1/1 deposit
Loan                              1,000.00 €
Term                                       24
Interest rate                          6.00%


                Loan's Depreciation Plan with 1/1 deposit

                Information about the loan                                          Summary for the loan
                Loan's value                            1,000.00 €                           Annuity             44.32 €
                Interest's rate annually rate              6.00 %
                Interest's rate term in years                    2                 Number of payments                 24
                Date of loan's permit                      7/1/2006        Data e përfundimit të kredisë        6/26/2007
                No. of payments during a yaer                   12                        Total Interest         63.69 €




      Period               Dates of payments            Initial State          Annuity        Insurance           Interest          Final state
            1                          8/1/2006             1,000.00             44.32             39.32              5.00               960.68
            2                          9/1/2006               960.68             44.32             39.52              4.80               921.16
            3                         10/1/2006               921.16             44.32             39.71              4.61               881.45
            4                         11/1/2006               881.45             44.32             39.91              4.41               841.53
            5                         12/1/2006               841.53             44.32             40.11              4.21               801.42
            6                          1/1/2007               801.42             44.32             40.31              4.01               761.11
            7                          2/1/2007               761.11             44.32             40.52              3.81               720.59
            8                          3/1/2007               720.59             44.32             40.72              3.60               679.87
            9                          4/1/2007               679.87             44.32             40.92              3.40               638.95
           10                          5/1/2007               638.95             44.32             41.13              3.19               597.83
           11                          6/1/2007               597.83             44.32             41.33              2.99               556.50
           12                          7/1/2007               556.50             44.32             41.54              2.78               514.96
           13                          8/1/2007               514.96             44.32             41.75              2.57               473.21
           14                          9/1/2007               473.21             44.32             41.95              2.37               431.26
           15                         10/1/2007               431.26             44.32             42.16              2.16               389.09
           16                         11/1/2007               389.09             44.32             42.38              1.95               346.72
           17                         12/1/2007               346.72             44.32             42.59              1.73               304.13
           18                          1/1/2008               304.13             44.32             42.80              1.52               261.33
           19                          2/1/2008               261.33             44.32             43.01              1.31               218.32
           20                          3/1/2008               218.32             44.32             43.23              1.09               175.09
           21                          4/1/2008               175.09             44.32             43.45              0.88               131.64
           22                          5/1/2008               131.64             44.32             43.66              0.66                87.98
           23                          6/1/2008                87.98             44.32             43.88              0.44                44.10
           24                          7/1/2008                44.10             44.10             43.88              0.22                 0.00
           25                          8/1/2008                 0.00              0.00              0.00              0.00                 0.00
           26                          9/1/2008                 0.00              0.00              0.00              0.00                 0.00
           27                         10/1/2008                 0.00              0.00              0.00              0.00                 0.00
           28                         11/1/2008                 0.00              0.00              0.00              0.00                 0.00
           29                         12/1/2008                 0.00              0.00              0.00              0.00                 0.00
           30                          1/1/2009                 0.00              0.00              0.00              0.00                 0.00
           31                          2/1/2009                 0.00              0.00              0.00              0.00                 0.00
           32                          3/1/2009                 0.00              0.00              0.00              0.00                 0.00
           33                          4/1/2009                 0.00              0.00              0.00              0.00                 0.00
           34                          5/1/2009                 0.00              0.00              0.00              0.00                 0.00
           35                          6/1/2009                 0.00              0.00              0.00              0.00                 0.00
           36                          7/1/2009                 0.00              0.00              0.00              0.00                 0.00
Period   Dates of payments   Initial State   Annuity   Insurance   Interest   Final state
   37             8/1/2009           0.00       0.00        0.00      0.00          0.00
   38             9/1/2009           0.00       0.00        0.00      0.00          0.00
   39            10/1/2009           0.00       0.00        0.00      0.00          0.00
   40            11/1/2009           0.00       0.00        0.00      0.00          0.00
   41            12/1/2009           0.00       0.00        0.00      0.00          0.00
   42             1/1/2010           0.00       0.00        0.00      0.00          0.00
   43             2/1/2010           0.00       0.00        0.00      0.00          0.00
   44             3/1/2010           0.00       0.00        0.00      0.00          0.00
   45             4/1/2010           0.00       0.00        0.00      0.00          0.00
   46             5/1/2010           0.00       0.00        0.00      0.00          0.00
   47             6/1/2010           0.00       0.00        0.00      0.00          0.00
   48             7/1/2010           0.00       0.00        0.00      0.00          0.00
   49             8/1/2010           0.00       0.00        0.00      0.00          0.00
   50             9/1/2010           0.00       0.00        0.00      0.00          0.00
   51            10/1/2010           0.00       0.00        0.00      0.00          0.00
   52            11/1/2010           0.00       0.00        0.00      0.00          0.00
   53            12/1/2010           0.00       0.00        0.00      0.00          0.00
   54             1/1/2011           0.00       0.00        0.00      0.00          0.00
   55             2/1/2011           0.00       0.00        0.00      0.00          0.00
   56             3/1/2011           0.00       0.00        0.00      0.00          0.00
   57             4/1/2011           0.00       0.00        0.00      0.00          0.00
   58             5/1/2011           0.00       0.00        0.00      0.00          0.00
   59             6/1/2011           0.00       0.00        0.00      0.00          0.00
   60             7/1/2011           0.00       0.00        0.00      0.00          0.00

								
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