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

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  • 1. Borrower: Unsecured line of credit (4 year amo/term)Collateral: Libor + 3% plus 2% sensitivityLoan Amount: $600,000.00 Amortization Period (Months): 48Interest Rate: 5.000% Amortization Method:360 Days per YearPeriod Beginning Bal Principal Interest Total Pmt Due Ending Balance1 $600,000.00 $12,500.00 $2,534.72 $15,034.72 $587,500.002 587,500.00 12,500.00 2,481.92 14,981.92 575,000.003 575,000.00 12,500.00 2,429.11 14,929.11 562,500.004 562,500.00 12,500.00 2,376.30 14,876.30 550,000.005 550,000.00 12,500.00 2,323.50 14,823.50 537,500.006 537,500.00 12,500.00 2,270.69 14,770.69 525,000.007 525,000.00 12,500.00 2,217.88 14,717.88 512,500.008 512,500.00 12,500.00 2,165.08 14,665.08 500,000.009 500,000.00 12,500.00 2,112.27 14,612.27 487,500.0010 487,500.00 12,500.00 2,059.46 14,559.46 475,000.0011 475,000.00 12,500.00 2,006.66 14,506.66 462,500.0012 462,500.00 12,500.00 1,953.85 14,453.85 450,000.00Period 1-12 $150,000.00 $26,931.42 $176,931.4213 450,000.00 12,500.00 1,901.04 14,401.04 437,500.0014 437,500.00 12,500.00 1,848.23 14,348.23 425,000.0015 425,000.00 12,500.00 1,795.43 14,295.43 412,500.0016 412,500.00 12,500.00 1,742.62 14,242.62 400,000.0017 400,000.00 12,500.00 1,689.81 14,189.81 387,500.0018 387,500.00 12,500.00 1,637.01 14,137.01 375,000.0019 375,000.00 12,500.00 1,584.20 14,084.20 362,500.0020 362,500.00 12,500.00 1,531.39 14,031.39 350,000.0021 350,000.00 12,500.00 1,478.59 13,978.59 337,500.0022 337,500.00 12,500.00 1,425.78 13,925.78 325,000.0023 325,000.00 12,500.00 1,372.97 13,872.97 312,500.0024 312,500.00 12,500.00 1,320.17 13,820.17 300,000.00Period 13-24 $150,000.00 $19,327.26 $169,327.26Period 1-24 300,000.00 46,258.68 346,258.6825 300,000.00 12,500.00 1,267.36 13,767.36 287,500.0026 287,500.00 12,500.00 1,214.55 13,714.55 275,000.0027 275,000.00 12,500.00 1,161.75 13,661.75 262,500.0028 262,500.00 12,500.00 1,108.94 13,608.94 250,000.0029 250,000.00 12,500.00 1,056.13 13,556.13 237,500.0030 237,500.00 12,500.00 1,003.33 13,503.33 225,000.0031 225,000.00 12,500.00 950.52 13,450.52 212,500.0032 212,500.00 12,500.00 897.71 13,397.71 200,000.0033 200,000.00 12,500.00 844.91 13,344.91 187,500.0034 187,500.00 12,500.00 792.10 13,292.10 175,000.0035 175,000.00 12,500.00 739.29 13,239.29 162,500.0036 162,500.00 12,500.00 686.49 13,186.49 150,000.00Period 25-36 $150,000.00 $11,723.09 $161,723.09Period 1-36 450,000.00 57,981.77 507,981.7737 150,000.00 12,500.00 633.68 13,133.68 137,500.0038 137,500.00 12,500.00 580.87 13,080.87 125,000.0039 125,000.00 12,500.00 528.07 13,028.07 112,500.0040 112,500.00 12,500.00 475.26 12,975.26 100,000.0041 100,000.00 12,500.00 422.45 12,922.45 87,500.0042 87,500.00 12,500.00 369.65 12,869.65 75,000.0043 75,000.00 12,500.00 316.84 12,816.84 62,500.0044 62,500.00 12,500.00 264.03 12,764.03 50,000.0045 50,000.00 12,500.00 211.23 12,711.23 37,500.0046 37,500.00 12,500.00 158.42 12,658.42 25,000.0047 25,000.00 12,500.00 105.61 12,605.61 12,500.0048 12,500.00 12,500.00 52.81 12,552.81 0.00Period 37-48 $150,000.00 $4,118.92 $154,118.92Period 1-48 600,000.00 62,100.69 662,100.6949 0.00 0.00 0.00 0.00 0.0050 0.00 0.00 0.00 0.00 0.0051 0.00 0.00 0.00 0.00 0.0052 0.00 0.00 0.00 0.00 0.00
  • 2. 53 0.00 0.00 0.00 0.00 0.0054 0.00 0.00 0.00 0.00 0.0055 0.00 0.00 0.00 0.00 0.0056 0.00 0.00 0.00 0.00 0.0057 0.00 0.00 0.00 0.00 0.0058 0.00 0.00 0.00 0.00 0.0059 0.00 0.00 0.00 0.00 0.0060 0.00 0.00 0.00 0.00 0.00Period 49-60 $0.00 $0.00 $0.00Period 1-60 600,000.00 62,100.69 662,100.6961 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 0.0072 0.00 0.00 0.00 0.00 0.00Period 61-72 $0.00 $0.00 $0.00Period 1-72 600,000.00 62,100.69 662,100.6973 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 0.0084 0.00 0.00 0.00 0.00 0.00Period 73-84 $0.00 $0.00 $0.00Period 1-84 600,000.00 62,100.69 662,100.6985 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 0.0096 0.00 0.00 0.00 0.00 0.00Period 85-96 $0.00 $0.00 $0.00Period 1-96 600,000.00 62,100.69 662,100.6997 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 0.00108 0.00 0.00 0.00 0.00 0.00Period 97-108 $0.00 $0.00 $0.00Period 1-108 600,000.00 62,100.69 662,100.69109 0.00 0.00 0.00 0.00 0.00
  • 3. 110 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 0.00120 0.00 0.00 0.00 0.00 0.00Period 109-120 $0.00 $0.00 $0.00Period 1-120 600,000.00 62,100.69 662,100.69121 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 0.00132 0.00 0.00 0.00 0.00 0.00Period 121-132 $0.00 $0.00 $0.00Period 1-132 600,000.00 62,100.69 662,100.69133 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 0.00144 0.00 0.00 0.00 0.00 0.00Period 133-144 $0.00 $0.00 $0.00Period 1-144 600,000.00 62,100.69 662,100.69145 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 0.00156 0.00 0.00 0.00 0.00 0.00Period 145-156 $0.00 $0.00 $0.00Period 1-156 600,000.00 62,100.69 662,100.69157 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 0.00168 0.00 0.00 0.00 0.00 0.00
  • 4. Period 157-168 $0.00 $0.00 $0.00Period 1-168 600,000.00 62,100.69 662,100.69169 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 0.00180 0.00 0.00 0.00 0.00 0.00Period 169-180 $0.00 $0.00 $0.00Period 1-180 600,000.00 62,100.69 662,100.69181 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 0.00192 0.00 0.00 0.00 0.00 0.00Period 181-192 $0.00 $0.00 $0.00Period 1-192 600,000.00 62,100.69 662,100.69193 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 0.00204 0.00 0.00 0.00 0.00 0.00Period 193-204 $0.00 $0.00 $0.00Period 1-204 600,000.00 62,100.69 662,100.69205 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 0.00216 0.00 0.00 0.00 0.00 0.00Period 205-216 $0.00 $0.00 $0.00Period 1-216 600,000.00 62,100.69 662,100.69217 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 0.00
  • 5. 226 0.00 0.00 0.00 0.00 0.00227 0.00 0.00 0.00 0.00 0.00228 0.00 0.00 0.00 0.00 0.00Period 217-228 $0.00 $0.00 $0.00Period 1-228 600,000.00 62,100.69 662,100.69229 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 0.00240 0.00 0.00 0.00 0.00 0.00Period 229-240 $0.00 $0.00 $0.00Period 1-240 600,000.00 62,100.69 662,100.69241 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 0.00251 0.00 0.00 0.00 0.00 0.00252 0.00 0.00 0.00 0.00 0.00Period 241-252 $0.00 $0.00 $0.00Period 1-252 600,000.00 62,100.69 662,100.69253 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 0.00264 0.00 0.00 0.00 0.00 0.00Period 253-264 $0.00 $0.00 $0.00Period 1-264 600,000.00 62,100.69 662,100.69265 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 0.00276 0.00 0.00 0.00 0.00 0.00Period 265-276 $0.00 $0.00 $0.00Period 1-276 600,000.00 62,100.69 662,100.69277 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 0.00
  • 6. 283 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 0.00288 0.00 0.00 0.00 0.00 0.00Period 277-288 $0.00 $0.00 $0.00Period 1-288 600,000.00 62,100.69 662,100.69289 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 0.00298 0.00 0.00 0.00 0.00 0.00299 0.00 0.00 0.00 0.00 0.00300 0.00 0.00 0.00 0.00 0.00Period 289-300 $0.00 $0.00 $0.00Period 1-300 600,000.00 62,100.69 662,100.69301 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 0.00312 0.00 0.00 0.00 0.00 0.00Period 301-312 $0.00 $0.00 $0.00Period 1-312 600,000.00 62,100.69 662,100.69313 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 0.00324 0.00 0.00 0.00 0.00 0.00Period 313-324 $0.00 $0.00 $0.00Period 1-324 600,000.00 62,100.69 662,100.69325 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 0.00336 0.00 0.00 0.00 0.00 0.00Period 325-336 $0.00 $0.00 $0.00Period 1-336 600,000.00 62,100.69 662,100.69337 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 0.00
  • 7. 340 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 0.00345 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 0.00348 0.00 0.00 0.00 0.00 0.00Period 337-348 $0.00 $0.00 $0.00Period 1-348 600,000.00 62,100.69 662,100.69349 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 0.00360 0.00 0.00 0.00 0.00 0.00Period 349-360 $0.00 $0.00 $0.00Period 1-360 600,000.00 62,100.69 662,100.69