MathDoctorBob

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Example of Loan Payment Calculation

Basic Finance: A 30 year loan of $1000 is given at 8%. Verify that the monthly payment is $7.34. We calculate the payment by using two separate cash streams, one for the principal and one for the payments. Then we apply a geometric sum to the payments.

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Example of Loan Amortization

Basic Finance: A loan of $50,000 is given with a term of 30 years at 8% interest. The monthly payment is $366.88. For the first three payments, (a) calculate the balance on the principal after each payment, and (b) split the payment into the amounts paid on the principal and interest.

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Related topics : loan calculator payment amount