Loan Transactions with Random Dates for the First and Last Periodic Instalments

Table 2

Year
0	—	—	1	—	—	—	—	10,000.00	—	—	—	—	—
1	0.050	1,735.22	0.893	1,549.18	186.04	500.00	−313.96	10,313.96	−313.96	0.107	0.05488581	0.17323110	0.112187773
2	0.050	1,735.22	0.886	1,537.36	197.86	515.70	−317.84	10,631.80	−631.80	0.007	0.05498906	0.15021741	0.090264775
3	0.050	1,735.22	0.877	1,521.28	213.94	531.59	−317.65	10,949.45	−949.45	0.009	0.05503019	0.13383451	0.074693900
4	0.050	1,735.22	0.866	1,503.11	232.11	547.47	−315.36	11,264.81	−1,264.81	0.010	0.05509003	0.12130026	0.062753157
5	0.050	1,735.22	0.857	1,486.34	248.88	563.24	−314.36	11,579.17	−1,579.17	0.010	0.05516801	0.11124164	0.053141897
6	0.053	1,735.22	0.847	1,470.59	264.64	613.70	−349.06	11,928.23	−1,928.23	0.009	0.05526392	0.10288807	0.045130085
7	0.053	1,735.22	0.835	1,449.25	285.97	632.20	−346.22	12,274.45	−2,274.45	0.012	0.05536690	0.09576757	0.038281161
8	0.053	1,735.22	0.819	1,420.87	314.35	650.55	−336.19	12,610.65	−2,610.65	0.016	0.05547760	0.08957192	0.032302268
9	0.053	1,735.22	0.802	1,391.04	344.18	668.36	−324.18	12,934.83	−2,934.83	0.017	0.05559681	0.08408972	0.026992228
10	0.053	1,735.22	0.783	1,358.18	377.04	685.55	−308.50	13,243.33	−3,243.33	0.019	0.05572539	0.07917012	0.022207224
11	0.056	1,735.22	0.763	1,324.15	411.07	741.63	−330.55	13,573.89	−3,573.89	0.020	0.05586435	0.07470195	0.017840928
12	0.056	1,735.22	0.744	1,290.66	444.57	760.14	−315.57	13,889.46	−3,889.46	0.019	0.05600489	0.07060100	0.013822010
13	0.056	1,735.22	0.723	1,255.30	479.93	777.81	−297.88	14,187.34	−4,187.34	0.020	0.05614828	0.06680191	0.010087248
14	0.056	1,735.22	0.701	1,216.08	519.14	794.49	−275.35	14,462.70	−4,462.70	0.023	0.05629569	0.06325287	0.006586394
15	0.056	1,735.22	0.674	1,170.28	564.94	809.91	−244.97	14,707.67	−4,707.67	0.026	0.05644848	0.05991197	0.003278428
16	0.059	1,735.22	0.648	1,124.82	610.40	867.75	−257.35	14,965.02	−4,965.02	0.026	0.05660810	0.05674467	0.000129253
17	0.059	1,735.22	0.616	1.069.64	665.58	882.94	−217.36	15,182.38	−5,182.38	0.032	0.05676668	0.05372197	−0.002881156
18	0.059	1,735.22	0.584	1,012.92	722.30	895.76	−173.46	15,355.84	−5,355.84	0.033	0.05692557	0.05081905	−0.005777625
19	0.059	1,735.22	0.555	963.17	772.05	905.99	−133.95	15,489.79	−5,489.79	0.029	0.05708618	0.04801427	−0.008581997
20	0.059	1,735.22	0.530	920.21	815.01	913.90	−98.89	15,588.68	−5,588.68	0.025	0.05724998	0.04528835	−0.011313909
21	0.062	1,735.22	0.492	854.07	881.15	966.50	−85.35	15,674.02	−5,674.02	0.038	0.05741875	0.04262373	−0.013991638
22	0.062	1,735.22	0.448	777.05	958.18	971.79	−13.61	15,687.64	−5,687.64	0.044	0.05758485	0.04000400	−0.016623583
23	0.062	1,735.22	0.413	715.97	1,019.25	972.63	46.62	15,641.02	−5,641.02	0.035	0.05774975	0.03741348	−0.019225975
24	0.062	1,735.22	0.369	639.71	1,095.51	969.74	125.77	15,515.25	−5,515.25	0.044	0.05797484	0.03483667	−0.021870246
25	0.062	1,735.22	0.317	549.38	1,185.84	961.95	223.89	15,291.36	−5,291.36	0.052	0.05808194	0.03225784	−0.024406522
26	0.065	1,735.22	0.261	453.66	1,281.56	993.94	287.63	15,003.73	−5,003.73	0.055	0.05825300	0.02966050	−0.027018586
27	0.065	1,735.22	0.206	356.61	1,378.61	975.24	403.37	14,600.36	−4,600.36	0.056	0.05842026	0.02702681	−0.029660666
28	0.065	1,735.22	0.089	153.93	1,581.29	949.02	632.27	13,968.10	−3,968.10	0.117	0.05858499	0.02433682	−0.032352783
29	0.065	1,735.22	0.000	0.00	1,735.22	907.93	827.30	13,140.80	−3,140.80	0.089	0.05874899	0.02156750	−0.035118324
30	0.065	1,735.22	0.000	0.00	1,735.22	854.15	881.07	12,259.73	−2,259.73	0.000	0.05891421	0.01869138	−0.037984975
31	0.068	1,735.22	0.000	0.00	1,735.22	833.66	901.56	11,358.17	−1,358.17	0.000	0.05908332	0.01567462	−0.040987049
32	0.068	1,735.22	0.000	0.00	1,735.22	772.36	962.87	10,395.30	−395.30	0.000	0.05924714	0.01247402	−0.044156947
33	0.068	1,735.22	0.000	0.00	1,735.22	706.88	1,028.34	9,366.96	633.04	0.000	0.05940731	0.00903244	−0.047550049
34	0.068	1,735.22	0.000	0.00	1,735.22	636.95	1,098.27	8,268.69	1,731.31	0.000	0.05956561	0.00527102	−0.051242311
35	0.068	1,735.22	0.000	0.00	1,735.22	562.27	1,172.95	7,095.74	2,904.26	0.000	0.05972485	0.00107555	−0.055343894
36	0.071	1,735.22	0.000	0.00	1,735.22	503.80	1,231.42	5,864.32	4,135.68	0.000	0.05988986	−0.00372982	−0.060024803
37	0.071	1,735.22	0.000	0.00	1,735.22	416.37	1,318.86	4,545.46	5,454.54	0.000	0.06004738	−0.00943828	−0.065549579
38	0.071	1,735.22	0.000	0.00	1,735.22	322.73	1,412.49	3,132.97	6,867.03	0.000	0.06019777	−0.01659774	−0.072435080
39	0.071	1,735.22	0.000	0.00	1,735.22	222.44	1,512.78	1,620.19	8,379.81	0.000	0.06019744	−0.02643453	−0.081713053
40	0.071	1,735.22	0.000	0.00	1,735.22	115.03	1,620.19	0.00	10,000.00	0.000	0.06047751	−0.04284147	−0.097426847
40^+	—	—	—	—	—	—	—	—	—	0.000	0.00000000	−1	—
Total		69,408.87	—	30,534.82	38,874.05	28,874.05	10,000.00	—	—	—	—	—	—