HSBC LOAN of Taka 7500000

Inputs Effect of Extra Payments

Auto Loan Amount $ 7,500,000 Total Payments
Annual Interest Rate 11.50% Total Interest
Term of Loan in Years 10.33 Reduced Interest
First Payment Date 6/3/2012 Number of Payments
Frequency of Payment Monthly Last Payment Date

8,000,000 Balanc e
Summary (with no extra payments)
6,000,000 No Extra Payments
Number of Payments 123.96
4,000,000
Rate (per period) 0.958%
2,000,000
Payment (per period) $103,652.12
0
Total Interest $5,348,716.29
Total Payments $12,848,716.29
.

Additional
No. Due Date Payment Due Payment Interest Principal

1 6/3/2012 103,652.12 0.00 71,875.00 31,777.12

2 7/3/2012 103,652.12 0.00 71,570.47 32,081.65
3 8/3/2012 103,652.12 0.00 71,263.02 32,389.10
4 9/3/2012 103,652.12 0.00 70,952.62 32,699.50
5 10/3/2012 103,652.12 0.00 70,639.25 33,012.87
6 11/3/2012 103,652.12 0.00 70,322.88 33,329.24
7 12/3/2012 103,652.12 0.00 70,003.48 33,648.64
8 1/3/2013 103,652.12 0.00 69,681.01 33,971.11
9 2/3/2013 103,652.12 0.00 69,355.45 34,296.67
10 3/3/2013 103,652.12 0.00 69,026.78 34,625.34
11 4/3/2013 103,652.12 0.00 68,694.95 34,957.17
12 5/3/2013 103,652.12 0.00 68,359.94 35,292.18
13 6/3/2013 103,652.12 0.00 68,021.73 35,630.39
14 7/3/2013 103,652.12 0.00 67,680.27 35,971.85
15 8/3/2013 103,652.12 0.00 67,335.54 36,316.58
16 9/3/2013 103,652.12 0.00 66,987.51 36,664.61
17 10/3/2013 103,652.12 0.00 66,636.14 37,015.98
18 11/3/2013 103,652.12 0.00 66,281.40 37,370.72
19 12/3/2013 103,652.12 0.00 65,923.26 37,728.86
20 1/3/2014 103,652.12 0.00 65,561.70 38,090.42
21 2/3/2014 103,652.12 0.00 65,196.66 38,455.46
22 3/3/2014 103,652.12 0.00 64,828.13 38,823.99
23 4/3/2014 103,652.12 0.00 64,456.07 39,196.05
24 5/3/2014 103,652.12 0.00 64,080.44 39,571.68
25 6/3/2014 103,652.12 0.00 63,701.21 39,950.91
26 7/3/2014 103,652.12 0.00 63,318.35 40,333.77
27 8/3/2014 103,652.12 0.00 62,931.82 40,720.30
28 9/3/2014 103,652.12 0.00 62,541.58 41,110.54
29 10/3/2014 103,652.12 0.00 62,147.60 41,504.52
30 11/3/2014 103,652.12 0.00 61,749.85 41,902.27
31 12/3/2014 103,652.12 0.00 61,348.29 42,303.83
32 1/3/2015 103,652.12 0.00 60,942.88 42,709.24

2007 Vertex42 LLC http://www.vertex42.com/Calculators/auto-loan-calculator.html 1 of 13

 Additional
No. Due Date Payment Due Payment Interest Principal
33 2/3/2015 103,652.12 0.00 60,533.58 43,118.54
34 3/3/2015 103,652.12 0.00 60,120.36 43,531.76
35 4/3/2015 103,652.12 0.00 59,703.18 43,948.94
36 5/3/2015 103,652.12 0.00 59,282.00 44,370.12
37 6/3/2015 103,652.12 0.00 58,856.79 44,795.33
38 7/3/2015 103,652.12 0.00 58,427.50 45,224.62
39 8/3/2015 103,652.12 0.00 57,994.10 45,658.02
40 9/3/2015 103,652.12 0.00 57,556.54 46,095.58
41 10/3/2015 103,652.12 0.00 57,114.79 46,537.33
42 11/3/2015 103,652.12 0.00 56,668.81 46,983.31
43 12/3/2015 103,652.12 0.00 56,218.55 47,433.57
44 1/3/2016 103,652.12 0.00 55,763.98 47,888.14
45 2/3/2016 103,652.12 0.00 55,305.05 48,347.07
46 3/3/2016 103,652.12 0.00 54,841.73 48,810.39
47 4/3/2016 103,652.12 0.00 54,373.96 49,278.16
48 5/3/2016 103,652.12 0.00 53,901.71 49,750.41
49 6/3/2016 103,652.12 0.00 53,424.94 50,227.18
50 7/3/2016 103,652.12 0.00 52,943.59 50,708.53
51 8/3/2016 103,652.12 0.00 52,457.64 51,194.48
52 9/3/2016 103,652.12 0.00 51,967.02 51,685.10
53 10/3/2016 103,652.12 0.00 51,471.71 52,180.41
54 11/3/2016 103,652.12 0.00 50,971.65 52,680.47
55 12/3/2016 103,652.12 0.00 50,466.79 53,185.33
56 1/3/2017 103,652.12 0.00 49,957.10 53,695.02
57 2/3/2017 103,652.12 0.00 49,442.52 54,209.60
58 3/3/2017 103,652.12 0.00 48,923.01 54,729.11
59 4/3/2017 103,652.12 0.00 48,398.53 55,253.59
60 5/3/2017 103,652.12 0.00 47,869.01 55,783.11
61 6/3/2017 103,652.12 0.00 47,334.42 56,317.70
62 7/3/2017 103,652.12 0.00 46,794.71 56,857.41
63 8/3/2017 103,652.12 0.00 46,249.83 57,402.29
64 9/3/2017 103,652.12 0.00 45,699.72 57,952.40
65 10/3/2017 103,652.12 0.00 45,144.35 58,507.77
66 11/3/2017 103,652.12 0.00 44,583.65 59,068.47
67 12/3/2017 103,652.12 0.00 44,017.57 59,634.55
68 1/3/2018 103,652.12 0.00 43,446.08 60,206.04
69 2/3/2018 103,652.12 0.00 42,869.10 60,783.02
70 3/3/2018 103,652.12 0.00 42,286.60 61,365.52
71 4/3/2018 103,652.12 0.00 41,698.51 61,953.61
72 5/3/2018 103,652.12 0.00 41,104.79 62,547.33
73 6/3/2018 103,652.12 0.00 40,505.38 63,146.74
74 7/3/2018 103,652.12 0.00 39,900.22 63,751.90
75 8/3/2018 103,652.12 0.00 39,289.27 64,362.85
76 9/3/2018 103,652.12 0.00 38,672.46 64,979.66
77 10/3/2018 103,652.12 0.00 38,049.73 65,602.39
78 11/3/2018 103,652.12 0.00 37,421.04 66,231.08
79 12/3/2018 103,652.12 0.00 36,786.33 66,865.79
80 1/3/2019 103,652.12 0.00 36,145.53 67,506.59
81 2/3/2019 103,652.12 0.00 35,498.59 68,153.53
82 3/3/2019 103,652.12 0.00 34,845.46 68,806.66
83 4/3/2019 103,652.12 0.00 34,186.06 69,466.06
84 5/3/2019 103,652.12 0.00 33,520.34 70,131.78
85 6/3/2019 103,652.12 0.00 32,848.25 70,803.87
86 7/3/2019 103,652.12 0.00 32,169.71 71,482.41

2007 Vertex42 LLC http://www.vertex42.com/Calculators/auto-loan-calculator.html 2 of 13

 Additional
No. Due Date Payment Due Payment Interest Principal
87 8/3/2019 103,652.12 0.00 31,484.67 72,167.45
88 9/3/2019 103,652.12 0.00 30,793.06 72,859.06
89 10/3/2019 103,652.12 0.00 30,094.83 73,557.29
90 11/3/2019 103,652.12 0.00 29,389.91 74,262.21
91 12/3/2019 103,652.12 0.00 28,678.23 74,973.89
92 1/3/2020 103,652.12 0.00 27,959.73 75,692.39
93 2/3/2020 103,652.12 0.00 27,234.34 76,417.78
94 3/3/2020 103,652.12 0.00 26,502.01 77,150.11
95 4/3/2020 103,652.12 0.00 25,762.65 77,889.47
96 5/3/2020 103,652.12 0.00 25,016.21 78,635.91
97 6/3/2020 103,652.12 0.00 24,262.62 79,389.50
98 7/3/2020 103,652.12 0.00 23,501.80 80,150.32
99 8/3/2020 103,652.12 0.00 22,733.69 80,918.43
100 9/3/2020 103,652.12 0.00 21,958.22 81,693.90
101 10/3/2020 103,652.12 0.00 21,175.32 82,476.80
102 11/3/2020 103,652.12 0.00 20,384.92 83,267.20
103 12/3/2020 103,652.12 0.00 19,586.94 84,065.18
104 1/3/2021 103,652.12 0.00 18,781.32 84,870.80
105 2/3/2021 103,652.12 0.00 17,967.97 85,684.15
106 3/3/2021 103,652.12 0.00 17,146.84 86,505.28
107 4/3/2021 103,652.12 0.00 16,317.83 87,334.29
108 5/3/2021 103,652.12 0.00 15,480.87 88,171.25
109 6/3/2021 103,652.12 0.00 14,635.90 89,016.22
110 7/3/2021 103,652.12 0.00 13,782.83 89,869.29
111 8/3/2021 103,652.12 0.00 12,921.58 90,730.54
112 9/3/2021 103,652.12 0.00 12,052.08 91,600.04
113 10/3/2021 103,652.12 0.00 11,174.24 92,477.88
114 11/3/2021 103,652.12 0.00 10,288.00 93,364.12
115 12/3/2021 103,652.12 0.00 9,393.26 94,258.86
116 1/3/2022 103,652.12 0.00 8,489.94 95,162.18
117 2/3/2022 103,652.12 0.00 7,577.97 96,074.15
118 3/3/2022 103,652.12 0.00 6,657.26 96,994.86
119 4/3/2022 103,652.12 0.00 5,727.73 97,924.39
120 5/3/2022 103,652.12 0.00 4,789.29 98,862.83
121 6/3/2022 103,652.12 0.00 3,841.85 99,810.27
122 7/3/2022 103,652.12 0.00 2,885.34 100,766.78
123 8/3/2022 103,652.12 0.00 1,919.65 101,732.47
124 9/3/2022 99,523.98 0.00 944.72 98,579.26
Ending Balance:
[42]

2007 Vertex42 LLC http://www.vertex42.com/Calculators/auto-loan-calculator.html 3 of 13

 Effect of Extra Payments
$ 12,848,734.74
$ 5,348,734.74
None
124
9/3/2022

8,000,000 Balanc e

6,000,000 No Extra Payments

4,000,000

2,000,000

Balance
$7,500,000.00
7,468,222.88
7,436,141.23
7,403,752.13
7,371,052.63
7,338,039.76
7,304,710.52
7,271,061.88
7,237,090.77
7,202,794.10
7,168,168.76
7,133,211.59
7,097,919.41
7,062,289.02
7,026,317.17
6,990,000.59
6,953,335.98
6,916,320.00
6,878,949.28
6,841,220.42
6,803,130.00
6,764,674.54
6,725,850.55
6,686,654.50
6,647,082.82
6,607,131.91
6,566,798.14
6,526,077.84
6,484,967.30
6,443,462.78
6,401,560.51
6,359,256.68
6,316,547.44

2007 Vertex42 LLC http://www.vertex42.com/Calculators/auto-loan-calculator.html 4 of 13

 Balance
6,273,428.90
6,229,897.14
6,185,948.20
6,141,578.08
6,096,782.75
6,051,558.13
6,005,900.11
5,959,804.53
5,913,267.20
5,866,283.89
5,818,850.32
5,770,962.18
5,722,615.11
5,673,804.72
5,624,526.56
5,574,776.15
5,524,548.97
5,473,840.44
5,422,645.96
5,370,960.86
5,318,780.45
5,266,099.98
5,212,914.65
5,159,219.63
5,105,010.03
5,050,280.92
4,995,027.33
4,939,244.22
4,882,926.52
4,826,069.11
4,768,666.82
4,710,714.42
4,652,206.65
4,593,138.18
4,533,503.63
4,473,297.59
4,412,514.57
4,351,149.05
4,289,195.44
4,226,648.11
4,163,501.37
4,099,749.47
4,035,386.62
3,970,406.96
3,904,804.57
3,838,573.49
3,771,707.70
3,704,201.11
3,636,047.58
3,567,240.92
3,497,774.86
3,427,643.08
3,356,839.21
3,285,356.80

2007 Vertex42 LLC http://www.vertex42.com/Calculators/auto-loan-calculator.html 5 of 13

 Balance
3,213,189.35
3,140,330.29
3,066,773.00
2,992,510.79
2,917,536.90
2,841,844.51
2,765,426.73
2,688,276.62
2,610,387.15
2,531,751.24
2,452,361.74
2,372,211.42
2,291,292.99
2,209,599.09
2,127,122.29
2,043,855.09
1,959,789.91
1,874,919.11
1,789,234.96
1,702,729.68
1,615,395.39
1,527,224.14
1,438,207.92
1,348,338.63
1,257,608.09
1,166,008.05
1,073,530.17
980,166.05
885,907.19
790,745.01
694,670.86
597,676.00
499,751.61
400,888.78
301,078.51
200,311.73
98,579.26
0.00

2007 Vertex42 LLC http://www.vertex42.com/Calculators/auto-loan-calculator.html 6 of 13

Auto Loan Payment & Interest Comparisons
http://www.vertex42.com/Calculators/auto-loan-calculator.html 2007-2017 Vertex42 LLC

Auto Loan Amount $7,500,000 Term of Loan in Years 10.33

Annual Interest Rate 11.50% Frequency of Payment Monthly

120,000 Payment 5,000,000

Annual Total
Total Interest 4,500,000
Interest Rate Total Paid Payment Interest 100,000 4,000,000
2.00% ### 67,018.67 807,634.33
80,000 3,500,000
3.00% ### 70,436.83 ### 3,000,000
4.00% ### 73,961.15 ### 60,000 2,500,000
5.00% ### 77,590.70 ### 2,000,000
6.00% ### 81,324.37 ### 40,000 1,500,000
7.00% ### 85,160.83 ### 20,000 1,000,000
8.00% ### 89,098.56 ### Annual Interest Rate 500,000
9.00% ### 93,135.86 ### 0 0
10.00% ### 97,270.87 ### 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00%

Total 700,000 Payment 3,500,000

# of Payments Total Paid Payment Interest Total Interest
600,000 3,000,000
6 ### ### 253,561.80
12 ### 664,612.90 475,354.80 500,000 2,500,000
18 ### 455,625.30 701,255.40
24 ### 351,302.36 931,256.64 400,000 2,000,000
30 ### 288,844.98 ###
300,000 1,500,000
36 ### 247,320.05 ###
42 ### 217,756.16 ### 200,000 1,000,000
48 ### 195,667.57 ###
100,000 500,000
54 ### 178,562.14 ###
Num ber of Paym ents
60 ### 164,944.56 ### 0 0
66 ### 153,863.21 ### 12 18 24 30 36 42 48 54 60 66 72
72 ### 144,683.67 ###

120,000 Payment 6,000,000

Loan Total
Down Payment Amount Payment Interest Total Interest
100,000 5,000,000
$0.00 ### 103,652.12 ###
80,000 4,000,000
$375,000.00 ### 98,469.51 ###
$750,000.00 ### 93,286.90 ### 60,000 3,000,000
$1,125,000.00 ### 88,104.30 ### 40,000 2,000,000
$1,500,000.00 ### 82,921.69 ###
20,000 1,000,000
$1,875,000.00 ### 77,739.09 ### Dow n Paym e nt
0 0
[42] $0.00 $375,000.00$750,000.00
$1,125,000.00
$1,500,000.00
$1,875,000.00

# of Total
350,000 Paym ent 5,420,000
Frequency Payments Payment Interest
300,000 Total Interest 5,400,000
Annually 10.33 ### ### 250,000 5,380,000
Semi-Annually 20.66 629,599.96 ### 200,000 [42] 5,360,000
Quarterly 41.32 312,498.51 ### 150,000 5,340,000
Bi-Monthly 61.98 207,818.81 ### 100,000 5,320,000
Monthly 123.96 103,652.12 ### 50,000 Paym ent Frequency 5,300,000
Semi-Monthly 247.92 51,761.64 ### 0 5,280,000
Bi-Weekly 268.58 47,775.39 ### Quarterly Bi-Monthly Monthly Semi-Monthly Bi-Weekly

http://www.vertex42.com/Calculators/auto-loan-calculator.html 2007 Vertex42 LLC

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REFERENCES

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