Prod Calculator Admin

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            <p><b><font size="+1">Calculator Information</font></b></p>

            <p>The Principal and Interest Calculator provides a schedule 

                of your monthly repayments and shows you what portion goes 

                towards interest and what portion goes toward paying

                off the principal amount borrowed.<br /><br /> Once finished you can

                keep a permanent record by printing each page of the schedule. 

                You will also be able to save the whole schedule to your

                computer by clicking on the save icon.</p>

            <p><b><font size="+1">Calculator Assumptions</font></b></p><p><b>Length of Month</b></p><p><br />All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days' interest dependent on the number of days in the particular month.<br /></p>

            <p><b>Number of Weeks &amp; Fortnights in a Year</b></p><br /><p>One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.</p><br />

            <p><b>Rounding of Amount of Each Repayment</b></p><p><br />In practice, repayments are rounded to at least the nearer cent. Note that the final repayment after the increase in repayment amount will be a partial repayment as required to reduce the loan balance to zero.</p><br />

            <p><b>Interest rate for loan repayment</b></p><p><br />Monthly repayment is calculated in respect of the rounded loan amount and using interest rate entered, not including any interest rate buffer.</p>

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    </common>

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