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Case study solution (Lot Loan tab) H. Schwarz-Lopes & A. Santos
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Case study solution (Lot Loan tab) H. Schwarz-Lopes & A. Santos

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  • 1. Borrower: lot loan 5 year amortizationCollateral: 5 year term/amoLoan Amount: $200,000.00 Amortization Period (Months): 60.00Interest Rate: 5.250% Amortization Method: MortgageInterest Based on 360 Days per YearPeriod Beginning Bal Principal Interest Total Pmt Due Ending Balance1 $200,000.00 $2,916.75 $887.15 $3,803.91 $197,083.252 197,083.25 2,929.69 874.21 3,803.91 194,153.553 194,153.55 2,942.69 861.22 3,803.91 191,210.874 191,210.87 2,955.74 848.17 3,803.91 188,255.135 188,255.13 2,968.85 835.06 3,803.91 185,286.286 185,286.28 2,982.02 821.89 3,803.91 182,304.257 182,304.25 2,995.25 808.66 3,803.91 179,309.018 179,309.01 3,008.53 795.37 3,803.91 176,300.479 176,300.47 3,021.88 782.03 3,803.91 173,278.5910 173,278.59 3,035.28 768.62 3,803.91 170,243.3111 170,243.31 3,048.75 755.16 3,803.91 167,194.5612 167,194.56 3,062.27 741.64 3,803.91 164,132.29Period 1-12 35,867.71 $9,779.17 $45,646.8812 164,132.29 3,075.85 728.05 3,803.91 161,056.4413 161,056.44 3,089.50 714.41 3,803.91 157,966.9414 157,966.94 3,103.20 700.70 3,803.91 154,863.7415 154,863.74 3,116.97 686.94 3,803.91 151,746.7716 151,746.77 3,130.79 673.11 3,803.91 148,615.9717 148,615.97 3,144.68 659.23 3,803.91 145,471.2918 145,471.29 3,158.63 645.28 3,803.91 142,312.6619 142,312.66 3,172.64 631.27 3,803.91 139,140.0220 139,140.02 3,186.71 617.19 3,803.91 135,953.3121 135,953.31 3,200.85 603.06 3,803.91 132,752.4622 132,752.46 3,215.05 588.86 3,803.91 129,537.4123 129,537.41 3,229.31 574.60 3,803.91 126,308.10Period 13-24 37,824.19 $7,822.69 $45,646.88Period 1-24 73,691.90 17,601.86 91,293.7624 126,308.10 3,243.63 560.27 3,803.91 123,064.4725 123,064.47 3,258.02 545.88 3,803.91 119,806.4426 119,806.44 3,272.47 531.43 3,803.91 116,533.9727 116,533.97 3,286.99 516.92 3,803.91 113,246.9828 113,246.98 3,301.57 502.34 3,803.91 109,945.4129 109,945.41 3,316.21 487.69 3,803.91 106,629.2030 106,629.20 3,330.92 472.98 3,803.91 103,298.2731 103,298.27 3,345.70 458.21 3,803.91 99,952.5732 99,952.57 3,360.54 443.37 3,803.91 96,592.0333 96,592.03 3,375.45 428.46 3,803.91 93,216.5834 93,216.58 3,390.42 413.49 3,803.91 89,826.1635 89,826.16 3,405.46 398.45 3,803.91 86,420.70Period 25-36 39,887.39 $5,759.49 $45,646.88Period 1-36 113,579.30 23,361.34 136,940.6436 86,420.70 3,420.56 383.34 3,803.91 83,000.1437 83,000.14 3,435.74 368.17 3,803.91 79,564.4038 79,564.40 3,450.98 352.93 3,803.91 76,113.4239 76,113.42 3,466.29 337.62 3,803.91 72,647.1440 72,647.14 3,481.66 322.25 3,803.91 69,165.4841 69,165.48 3,497.10 306.80 3,803.91 65,668.3742 65,668.37 3,512.62 291.29 3,803.91 62,155.7643 62,155.76 3,528.20 275.71 3,803.91 58,627.5644 58,627.56 3,543.85 260.06 3,803.91 55,083.7145 55,083.71 3,559.57 244.34 3,803.91 51,524.1446 51,524.14 3,575.36 228.55 3,803.91 47,948.7847 47,948.78 3,591.22 212.69 3,803.91 44,357.56Period 37-48 42,063.14 $3,583.74 $45,646.88Period 1-48 155,642.44 26,945.08 182,587.5248 44,357.56 3,607.15 196.76 3,803.91 40,750.4249 40,750.42 3,623.15 180.76 3,803.91 37,127.2750 37,127.27 3,639.22 164.69 3,803.91 33,488.0551 33,488.05 3,655.36 148.55 3,803.91 29,832.6952 29,832.69 3,671.58 132.33 3,803.91 26,161.1153 26,161.11 3,687.86 116.04 3,803.91 22,473.25
  • 2. 54 22,473.25 3,704.22 99.69 3,803.91 18,769.0355 18,769.03 3,720.65 83.25 3,803.91 15,048.3856 15,048.38 3,737.16 66.75 3,803.91 11,311.2257 11,311.22 3,753.73 50.17 3,803.91 7,557.4958 7,557.49 3,770.38 33.52 3,803.91 3,787.1159 3,787.11 3,787.11 16.80 3,803.91 0.00Period 49-60 44,357.56 1,289.32 45,646.88Period 1-60 200,000.00 28,234.40 228,234.4060 0.00 0.00 0.00 0.00 0.0061 0.00 0.00 0.00 0.00 0.0062 0.00 0.00 0.00 0.00 0.0063 0.00 0.00 0.00 0.00 0.0064 0.00 0.00 0.00 0.00 0.0065 0.00 0.00 0.00 0.00 0.0066 0.00 0.00 0.00 0.00 0.0067 0.00 0.00 0.00 0.00 0.0068 0.00 0.00 0.00 0.00 0.0069 0.00 0.00 0.00 0.00 0.0070 0.00 0.00 0.00 0.00 0.0071 0.00 0.00 0.00 0.00 0.00Period 61-72 0.00 0.00 0.00Period 1-72 200,000.00 28,234.40 228,234.4072 0.00 0.00 0.00 0.00 0.0073 0.00 0.00 0.00 0.00 0.0074 0.00 0.00 0.00 0.00 0.0075 0.00 0.00 0.00 0.00 0.0076 0.00 0.00 0.00 0.00 0.0077 0.00 0.00 0.00 0.00 0.0078 0.00 0.00 0.00 0.00 0.0079 0.00 0.00 0.00 0.00 0.0080 0.00 0.00 0.00 0.00 0.0081 0.00 0.00 0.00 0.00 0.0082 0.00 0.00 0.00 0.00 0.0083 0.00 0.00 0.00 0.00 0.00Period 73-84 0.00 0.00 0.00Period 1-84 200,000.00 28,234.40 228,234.4084 0.00 0.00 0.00 0.00 0.0085 0.00 0.00 0.00 0.00 0.0086 0.00 0.00 0.00 0.00 0.0087 0.00 0.00 0.00 0.00 0.0088 0.00 0.00 0.00 0.00 0.0089 0.00 0.00 0.00 0.00 0.0090 0.00 0.00 0.00 0.00 0.0091 0.00 0.00 0.00 0.00 0.0092 0.00 0.00 0.00 0.00 0.0093 0.00 0.00 0.00 0.00 0.0094 0.00 0.00 0.00 0.00 0.0095 0.00 0.00 0.00 0.00 0.00Period 85-96 0.00 0.00 0.00Period 1-96 200,000.00 28,234.40 228,234.4096 0.00 0.00 0.00 0.00 0.0097 0.00 0.00 0.00 0.00 0.0098 0.00 0.00 0.00 0.00 0.0099 0.00 0.00 0.00 0.00 0.00100 0.00 0.00 0.00 0.00 0.00101 0.00 0.00 0.00 0.00 0.00102 0.00 0.00 0.00 0.00 0.00103 0.00 0.00 0.00 0.00 0.00104 0.00 0.00 0.00 0.00 0.00105 0.00 0.00 0.00 0.00 0.00106 0.00 0.00 0.00 0.00 0.00107 0.00 0.00 0.00 0.00 0.00Period 97-108 0.00 0.00 0.00Period 1-108 200,000.00 28,234.40 228,234.40
  • 3. 108 0.00 0.00 0.00 0.00 0.00109 0.00 0.00 0.00 0.00 0.00110 0.00 0.00 0.00 0.00 0.00111 0.00 0.00 0.00 0.00 0.00112 0.00 0.00 0.00 0.00 0.00113 0.00 0.00 0.00 0.00 0.00114 0.00 0.00 0.00 0.00 0.00115 0.00 0.00 0.00 0.00 0.00116 0.00 0.00 0.00 0.00 0.00117 0.00 0.00 0.00 0.00 0.00118 0.00 0.00 0.00 0.00 0.00119 0.00 0.00 0.00 0.00 0.00Period 109-120 0.00 0.00 0.00Period 1-120 200,000.00 28,234.40 228,234.40120 0.00 0.00 0.00 0.00 0.00121 0.00 0.00 0.00 0.00 0.00122 0.00 0.00 0.00 0.00 0.00123 0.00 0.00 0.00 0.00 0.00124 0.00 0.00 0.00 0.00 0.00125 0.00 0.00 0.00 0.00 0.00126 0.00 0.00 0.00 0.00 0.00127 0.00 0.00 0.00 0.00 0.00128 0.00 0.00 0.00 0.00 0.00129 0.00 0.00 0.00 0.00 0.00130 0.00 0.00 0.00 0.00 0.00131 0.00 0.00 0.00 0.00 0.00Period 121-132 0.00 0.00 0.00Period 1-132 200,000.00 28,234.40 228,234.40132 0.00 0.00 0.00 0.00 0.00133 0.00 0.00 0.00 0.00 0.00134 0.00 0.00 0.00 0.00 0.00135 0.00 0.00 0.00 0.00 0.00136 0.00 0.00 0.00 0.00 0.00137 0.00 0.00 0.00 0.00 0.00138 0.00 0.00 0.00 0.00 0.00139 0.00 0.00 0.00 0.00 0.00140 0.00 0.00 0.00 0.00 0.00141 0.00 0.00 0.00 0.00 0.00142 0.00 0.00 0.00 0.00 0.00143 0.00 0.00 0.00 0.00 0.00Period 133-144 0.00 0.00 0.00Period 1-144 200,000.00 28,234.40 228,234.40144 0.00 0.00 0.00 0.00 0.00145 0.00 0.00 0.00 0.00 0.00146 0.00 0.00 0.00 0.00 0.00147 0.00 0.00 0.00 0.00 0.00148 0.00 0.00 0.00 0.00 0.00149 0.00 0.00 0.00 0.00 0.00150 0.00 0.00 0.00 0.00 0.00151 0.00 0.00 0.00 0.00 0.00152 0.00 0.00 0.00 0.00 0.00153 0.00 0.00 0.00 0.00 0.00154 0.00 0.00 0.00 0.00 0.00155 0.00 0.00 0.00 0.00 0.00Period 145-156 0.00 0.00 0.00
  • 4. Period 1-156 200,000.00 28,234.40 228,234.40156 0.00 0.00 0.00 0.00 0.00157 0.00 0.00 0.00 0.00 0.00158 0.00 0.00 0.00 0.00 0.00159 0.00 0.00 0.00 0.00 0.00160 0.00 0.00 0.00 0.00 0.00161 0.00 0.00 0.00 0.00 0.00162 0.00 0.00 0.00 0.00 0.00163 0.00 0.00 0.00 0.00 0.00164 0.00 0.00 0.00 0.00 0.00165 0.00 0.00 0.00 0.00 0.00166 0.00 0.00 0.00 0.00 0.00167 0.00 0.00 0.00 0.00 0.00Period 157-168 0.00 0.00 0.00Period 1-168 200,000.00 28,234.40 228,234.40168 0.00 0.00 0.00 0.00 0.00169 0.00 0.00 0.00 0.00 0.00170 0.00 0.00 0.00 0.00 0.00171 0.00 0.00 0.00 0.00 0.00172 0.00 0.00 0.00 0.00 0.00173 0.00 0.00 0.00 0.00 0.00174 0.00 0.00 0.00 0.00 0.00175 0.00 0.00 0.00 0.00 0.00176 0.00 0.00 0.00 0.00 0.00177 0.00 0.00 0.00 0.00 0.00178 0.00 0.00 0.00 0.00 0.00179 0.00 0.00 0.00 0.00 0.00Period 169-180 0.00 0.00 0.00Period 1-180 200,000.00 28,234.40 228,234.40180 0.00 0.00 0.00 0.00 0.00181 0.00 0.00 0.00 0.00 0.00182 0.00 0.00 0.00 0.00 0.00183 0.00 0.00 0.00 0.00 0.00184 0.00 0.00 0.00 0.00 0.00185 0.00 0.00 0.00 0.00 0.00186 0.00 0.00 0.00 0.00 0.00187 0.00 0.00 0.00 0.00 0.00188 0.00 0.00 0.00 0.00 0.00189 0.00 0.00 0.00 0.00 0.00190 0.00 0.00 0.00 0.00 0.00191 0.00 0.00 0.00 0.00 0.00Period 181-192 0.00 0.00 0.00Period 1-192 200,000.00 28,234.40 228,234.40192 0.00 0.00 0.00 0.00 0.00193 0.00 0.00 0.00 0.00 0.00194 0.00 0.00 0.00 0.00 0.00195 0.00 0.00 0.00 0.00 0.00196 0.00 0.00 0.00 0.00 0.00197 0.00 0.00 0.00 0.00 0.00198 0.00 0.00 0.00 0.00 0.00199 0.00 0.00 0.00 0.00 0.00200 0.00 0.00 0.00 0.00 0.00201 0.00 0.00 0.00 0.00 0.00202 0.00 0.00 0.00 0.00 0.00203 0.00 0.00 0.00 0.00 0.00
  • 5. Period 193-204 0.00 0.00 0.00Period 1-204 200,000.00 28,234.40 228,234.40204 0.00 0.00 0.00 0.00 0.00205 0.00 0.00 0.00 0.00 0.00206 0.00 0.00 0.00 0.00 0.00207 0.00 0.00 0.00 0.00 0.00208 0.00 0.00 0.00 0.00 0.00209 0.00 0.00 0.00 0.00 0.00210 0.00 0.00 0.00 0.00 0.00211 0.00 0.00 0.00 0.00 0.00212 0.00 0.00 0.00 0.00 0.00213 0.00 0.00 0.00 0.00 0.00214 0.00 0.00 0.00 0.00 0.00215 0.00 0.00 0.00 0.00 0.00Period 205-216 0.00 0.00 0.00Period 1-216 200,000.00 28,234.40 228,234.40216 0.00 0.00 0.00 0.00 0.00217 0.00 0.00 0.00 0.00 0.00218 0.00 0.00 0.00 0.00 0.00219 0.00 0.00 0.00 0.00 0.00220 0.00 0.00 0.00 0.00 0.00221 0.00 0.00 0.00 0.00 0.00222 0.00 0.00 0.00 0.00 0.00223 0.00 0.00 0.00 0.00 0.00224 0.00 0.00 0.00 0.00 0.00225 0.00 0.00 0.00 0.00 0.00226 0.00 0.00 0.00 0.00 0.00227 0.00 0.00 0.00 0.00 0.00Period 217-228 0.00 0.00 0.00Period 1-228 200,000.00 28,234.40 228,234.40228 0.00 0.00 0.00 0.00 0.00229 0.00 0.00 0.00 0.00 0.00230 0.00 0.00 0.00 0.00 0.00231 0.00 0.00 0.00 0.00 0.00232 0.00 0.00 0.00 0.00 0.00233 0.00 0.00 0.00 0.00 0.00234 0.00 0.00 0.00 0.00 0.00235 0.00 0.00 0.00 0.00 0.00236 0.00 0.00 0.00 0.00 0.00237 0.00 0.00 0.00 0.00 0.00238 0.00 0.00 0.00 0.00 0.00239 0.00 0.00 0.00 0.00 0.00Period 229-240 0.00 0.00 0.00Period 1-240 200,000.00 28,234.40 228,234.40240 0.00 0.00 0.00 0.00 0.00241 0.00 0.00 0.00 0.00 0.00242 0.00 0.00 0.00 0.00 0.00243 0.00 0.00 0.00 0.00 0.00244 0.00 0.00 0.00 0.00 0.00245 0.00 0.00 0.00 0.00 0.00246 0.00 0.00 0.00 0.00 0.00247 0.00 0.00 0.00 0.00 0.00248 0.00 0.00 0.00 0.00 0.00249 0.00 0.00 0.00 0.00 0.00250 0.00 0.00 0.00 0.00 0.00
  • 6. 251 0.00 0.00 0.00 0.00 0.00Period 241-252 0.00 0.00 0.00Period 1-252 200,000.00 28,234.40 228,234.40252 0.00 0.00 0.00 0.00 0.00253 0.00 0.00 0.00 0.00 0.00254 0.00 0.00 0.00 0.00 0.00255 0.00 0.00 0.00 0.00 0.00256 0.00 0.00 0.00 0.00 0.00257 0.00 0.00 0.00 0.00 0.00258 0.00 0.00 0.00 0.00 0.00259 0.00 0.00 0.00 0.00 0.00260 0.00 0.00 0.00 0.00 0.00261 0.00 0.00 0.00 0.00 0.00262 0.00 0.00 0.00 0.00 0.00263 0.00 0.00 0.00 0.00 0.00Period 253-264 0.00 0.00 0.00Period 1-264 200,000.00 28,234.40 228,234.40264 0.00 0.00 0.00 0.00 0.00265 0.00 0.00 0.00 0.00 0.00266 0.00 0.00 0.00 0.00 0.00267 0.00 0.00 0.00 0.00 0.00268 0.00 0.00 0.00 0.00 0.00269 0.00 0.00 0.00 0.00 0.00270 0.00 0.00 0.00 0.00 0.00271 0.00 0.00 0.00 0.00 0.00272 0.00 0.00 0.00 0.00 0.00273 0.00 0.00 0.00 0.00 0.00274 0.00 0.00 0.00 0.00 0.00275 0.00 0.00 0.00 0.00 0.00Period 265-276 0.00 0.00 0.00Period 1-276 200,000.00 28,234.40 228,234.40276 0.00 0.00 0.00 0.00 0.00277 0.00 0.00 0.00 0.00 0.00278 0.00 0.00 0.00 0.00 0.00279 0.00 0.00 0.00 0.00 0.00280 0.00 0.00 0.00 0.00 0.00281 0.00 0.00 0.00 0.00 0.00282 0.00 0.00 0.00 0.00 0.00283 0.00 0.00 0.00 0.00 0.00284 0.00 0.00 0.00 0.00 0.00285 0.00 0.00 0.00 0.00 0.00286 0.00 0.00 0.00 0.00 0.00287 0.00 0.00 0.00 0.00 0.00Period 277-288 0.00 0.00 0.00Period 1-288 200,000.00 28,234.40 228,234.40288 0.00 0.00 0.00 0.00 0.00289 0.00 0.00 0.00 0.00 0.00290 0.00 0.00 0.00 0.00 0.00291 0.00 0.00 0.00 0.00 0.00292 0.00 0.00 0.00 0.00 0.00293 0.00 0.00 0.00 0.00 0.00294 0.00 0.00 0.00 0.00 0.00295 0.00 0.00 0.00 0.00 0.00296 0.00 0.00 0.00 0.00 0.00297 0.00 0.00 0.00 0.00 0.00
  • 7. 298 0.00 0.00 0.00 0.00 0.00299 0.00 0.00 0.00 0.00 0.00Period 289-300 0.00 0.00 0.00Period 1-300 200,000.00 28,234.40 228,234.40300 0.00 0.00 0.00 0.00 0.00301 0.00 0.00 0.00 0.00 0.00302 0.00 0.00 0.00 0.00 0.00303 0.00 0.00 0.00 0.00 0.00304 0.00 0.00 0.00 0.00 0.00305 0.00 0.00 0.00 0.00 0.00306 0.00 0.00 0.00 0.00 0.00307 0.00 0.00 0.00 0.00 0.00308 0.00 0.00 0.00 0.00 0.00309 0.00 0.00 0.00 0.00 0.00310 0.00 0.00 0.00 0.00 0.00311 0.00 0.00 0.00 0.00 0.00Period 301-312 0.00 0.00 0.00Period 1-312 200,000.00 28,234.40 228,234.40312 0.00 0.00 0.00 0.00 0.00313 0.00 0.00 0.00 0.00 0.00314 0.00 0.00 0.00 0.00 0.00315 0.00 0.00 0.00 0.00 0.00316 0.00 0.00 0.00 0.00 0.00317 0.00 0.00 0.00 0.00 0.00318 0.00 0.00 0.00 0.00 0.00319 0.00 0.00 0.00 0.00 0.00320 0.00 0.00 0.00 0.00 0.00321 0.00 0.00 0.00 0.00 0.00322 0.00 0.00 0.00 0.00 0.00323 0.00 0.00 0.00 0.00 0.00Period 313-324 0.00 0.00 0.00Period 1-324 200,000.00 28,234.40 228,234.40324 0.00 0.00 0.00 0.00 0.00325 0.00 0.00 0.00 0.00 0.00326 0.00 0.00 0.00 0.00 0.00327 0.00 0.00 0.00 0.00 0.00328 0.00 0.00 0.00 0.00 0.00329 0.00 0.00 0.00 0.00 0.00330 0.00 0.00 0.00 0.00 0.00331 0.00 0.00 0.00 0.00 0.00332 0.00 0.00 0.00 0.00 0.00333 0.00 0.00 0.00 0.00 0.00334 0.00 0.00 0.00 0.00 0.00335 0.00 0.00 0.00 0.00 0.00Period 325-336 0.00 0.00 0.00Period 1-336 200,000.00 28,234.40 228,234.40336 0.00 0.00 0.00 0.00 0.00337 0.00 0.00 0.00 0.00 0.00338 0.00 0.00 0.00 0.00 0.00339 0.00 0.00 0.00 0.00 0.00340 0.00 0.00 0.00 0.00 0.00341 0.00 0.00 0.00 0.00 0.00342 0.00 0.00 0.00 0.00 0.00343 0.00 0.00 0.00 0.00 0.00344 0.00 0.00 0.00 0.00 0.00
  • 8. 345 0.00 0.00 0.00 0.00 0.00346 0.00 0.00 0.00 0.00 0.00347 0.00 0.00 0.00 0.00 0.00Period 337-348 0.00 0.00 0.00Period 1-348 200,000.00 28,234.40 228,234.40348 0.00 0.00 0.00 0.00 0.00349 0.00 0.00 0.00 0.00 0.00350 0.00 0.00 0.00 0.00 0.00351 0.00 0.00 0.00 0.00 0.00352 0.00 0.00 0.00 0.00 0.00353 0.00 0.00 0.00 0.00 0.00354 0.00 0.00 0.00 0.00 0.00355 0.00 0.00 0.00 0.00 0.00356 0.00 0.00 0.00 0.00 0.00357 0.00 0.00 0.00 0.00 0.00358 0.00 0.00 0.00 0.00 0.00359 0.00 0.00 0.00 0.00 0.00Period 349-360 0.00 0.00 0.00Period 1-360 $200,000.00 $28,234.40 $228,234.40