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Loan Calc is an easy-to-use tool intended to calculate loans and mortgages repayments in a very simple way. Loan Calc calculates repayments amount, monthly and total interest, total repayments and generates a full repayment list from a start date. Loan Calc is currency-independent so it can be used with Dollars, Francs, Marks, Pounds,...or whatever you like. Just use a dot or a comma for decimals depending on your system settings. Loan Calc lets you select both period and interest compounding from continuous (compounding only), weekly, biweekly, monthly, quarterly, semiannually and annualy. Furthermore Loan Calc allows you to save all the repayment list to a text file or an Excel sheet.
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Program Description: BALLOON AMORTIZATION
This program is a version of a balloon payment schedule that demonstrates the effect of reducing initial payments and either making a large payment at the end of the balloon period or refinancing the loan. It will run under Win 95, 98, Me, NT4, XP, & 2000. Bankers are currently touting mortgages with a one to five year balloon.
What they don't tell you is that the interest is usually based on a 30 year term which, unless you know "THE NUMBERS" can result in a shock to your system.
Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid.
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Mortgage-UK calculates the true cost of a mortgage and allows you to compare the effect of different interest rates and overpayments. It is designed for the UK market, but may work for other country's mortgage systems. It runs on all versions of Windows.
Use Mortgage Manager to create an icon for each mortgage you are evaluating, then enter values such as the mortgage amount, fixed/discounted/capped/cashback rates and the interest calculation period as well as one-off administration costs. Payment details are then calculated with a month-by-month break-down of the payments and the running total. You can modify the interest rate and add over-payments to see their effect on the costs. Different mortgages can then be compared to see which is cheapest over various periods of time.
But why do you need it? Because it's not possible to know which mortgage is cheapest just from the headline interest rate. Try this: Which is cheaper over 25 years? (1) A 3 year fixed rate of 4.5% with a setup fee of 300 and then a variable rate of 5.5%, or (2) A 5 year fixed rate of 5.0% with a setup fee of 200 and then a variable rate of 5.5%? If you don't know, then you need Mortgage-UK to save you money.
When you choose a mortgage it is easy to just pick the one with the lowest rate. This is not always a wise choice however since factors such as setup fees, redemption penalties and the variable interest rate all have a significant effect on the overall cost. The only sure way to find the cheapest is to calculate the payments under the different interest rates, add them up and add on the fixed costs. Not much fun when you consider the hundreds of mortgages on the UK market and the mathematics behind them. Mortgage-UK can do all this for you and could save you thousands!
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Loan operations management application suitable for business use. Can also be very useful in any household with active loans. The program helps you calculate interest rate, loan/mortgage amount (Canadian mortgages as well), number of payments, periodic payment amount and any other loan calculations instantly. It also accommodates actual date and payment amount tracking as well as escrow fees setup and actual collection entries in a manual loan amortization schedule. The program allows loan and payment schedule visualization with regular, early or late payments display as well as annual representation of the loan over the years and loan charts for easier understanding and loan details checking. Once any amortization schedule is prepared it can be saved in a file for future reference, comparison or archive. You can prepare a mortgage amortization schedule with the respective prepaid interest amount and finance charges. The mortgage can also be amortized in decades but paid in months. You can also prepare amortization schedule, view it and print it in virtually no time.
LoanAmortizer Enterprise Edition allows you to prepare and print coupons applicable to each payment in a certain amortization schedule and even print your own coupon book by selecting a special uneven printing order. That uneven print order will later let you cut and make your customized payment coupon book.
LoanAmortizer Enterprise Edition is one of the few loan amortization and schedule preparation programs that complies with the provisions of the complete U.S. Regulation Z, and especially Appendix J, regarding interest calculation. The program handles multiple amortization methods - Simple (U.S. Rule) and Normal (Actuarial). LoanAmortizer Enterprise Edition can combine any payment frequency with any compounding period. The program supports fiscal year start/end management - this feature allows the users to select the beginning and the end of the fiscal year while printing the amortization schedule
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LoanAmortizer Professional Edition is one of the most functional, most complete and professional financial tools for loan and mortgage amortization and payment schedule preparation that runs on Windows95/98/2000/ME/NT and XP. LoanAmortizer Professional Edition helps you calculate interest rate, loan/mortgage amount (Canadian mortgages as well), number of payments, periodic payment amount and any other loan calculations instantly. Once any amortization schedule is prepared it can be saved in a file for future reference, comparison or archive. You can insert any type of balloon payment anywhere in the amortization schedule or prepare a mortgage amortization schedule with the respective prepaid interest amount and finance charges. The mortgage can also be amortized in decades but paid in months. You can also prepare amortization schedule, view it and print it in virtually no time.
LoanAmortizer Professional Edition allows you to prepare and print coupons applicable to each payment in a certain amortization schedule and even print your own coupon book by selecting a special uneven printing order. That uneven print order will later let you cut and make your customized payment coupon book. Canadian Mortgage calculations are also implemented in LoanAmortizer Professional Edition, both for mortgage and regular loans .
LoanAmortizer Professional Edition is one of the few loan amortization and schedule preparation programs that complies with the provisions of the complete U.S. Regulation Z, and especially Appendix J, regarding interest calculation. LoanAmortizer Professional Edition handles multiple amortization methods - Simple (U.S. Rule) and Normal (Actuarial). LoanAmortizer Professional Edition can combine any payment frequency with any compounding period.
LoanAmortizer Professional supports fiscal year start/end management - this feature allows the users to select the beginning and the end of the fiscal year while printing the amortization schedules.
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Making the right decision when it comes to home loans can be quite daunting. Now, with HomeLoan Comparison you can reduce the confustion and focus on more important things such as moving into your home.
Whether you're in the market for a new mortgage, refinancing an exiting loan, or just want to stay a head of the banks, then this software is for you.
Compare different loans or variations of the same loan, view monthly breakdown tables, graphs and more.
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Making the right decision when it comes to home loans can be quite daunting. Now, with HomeLoan Comparison you can reduce the confustion and focus on more important things such as moving into your home.
Whether you're in the market for a new mortgage, refinancing an exiting loan, or just want to stay a head of the banks, then this software is for you.
Compare different loans or variations of the same loan, view monthly breakdown tables, graphs and more.
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LoanExpert? is your complete loan and mortgage calculator and analysis tool for Palm OSŪ handhelds, Pocket PC or Windows Mobile handhelds, and Windows PCs! Calculate interest rate, price, down payment, loan length, and more! Save scenarios for easy loan comparisons. Quick Calculations - enter as few as 3 variables and calculate the 4th of payment, price, interest rate, and length. Save Loan Scenarios - save any number of loan scenarios you create. Create multiple scenarios and compare them. Save scenarios for various clients. Password Protected - keep your loan information private. Loan Amortization - effortlessly generate an amortization table. See how much of your payment is interest or principal. Find out how much principal has been paid by a certain payment date, and more! US/Canadian Mortgages - choose whether to calculate the mortgage based on US or Canadian compounding. Includes optional Palm OS and Pocket PC software.
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