Paano nga ba kinu-compute ang Pag-ibig Multi Purpose Loan o MPL ?
Marahil ay marami ang nagtataka ang marami o maaring di rin nila napapansin ang interest na naipapatong sa inyong loan, dahil ang mahalaga ay naka loan po tayo/nakahiram ng pera.
Ngunit sa katulad ng iba na nais malaman kung paano nga ba ito kinu-compute ay ganito po.
Halimbawa :
Loanable Amount : 10,000.00
Capitalized Interest (CI) = Loanable amount (LA) x 0.1075 x 26 / 24 x 2
0.1075 = 10.75%
26 = 24 months + 2 months grace period
24 = 24 months = 2 years (annum)
2 = 2 years to pay
Mothly Amortization (MA) = CI + LA / 24
CI = Capitalized Interest
LA = Monthly Amortization
24 = 2 years deduction
10,000.00 x 0.1075 x 26 / 24 x 2 = 2329.17
Loan Amount : 10,000.00
Capitalized Interest (CI) : 2329.17
----------------------------------------------
12,329.17
Monthly Amortization : 10,000 + 2329.17 / 24 = 513.72
Ang babayaran Monthly ay Php513.72
Very helpful info, although I think we are getting screwed by the fund. Why charge interest on the said "grace period"?
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