Loan Calculator effective rate fee amortization
 
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             FASB 91 effective interest method software
 
  Loan fees - import loan files for deferred income and expense amortization
  Dealer fees - import loan files for indirect lending charges amortization
  Omnibus - MBS, LSBO, loan packages fees, premiums, discount amortization
  Bond purchasers - accounting for premiums, discounts, OID, cost basis
  Bond issuers - accounting for premiums, discounts, issuance costs
  FASB 91 Software listing for all products
             Straight line amortization software
 
  Prepaid expenses amortization, reporting, general ledger posting
  Deferred income, revenue amortization, reporting, general ledger posting
  Fixed assets, FF&E depreciation, reporting, general ledger posting
  Bond purchasers - accounting for premiums, discounts, OID, cost basis
  Bond issuers - accounting for premiums, discounts, issuance costs
  Excel worksheet accounting amortization software
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Loan Calculator
FASB 91 fee amortization schedules
   

FASB 91 loan fee income and expense amortization schedules
Applicable for
  •  Residential, commercial, consumer, auto, indirect ....
  •  Amortizing, interest only, balloon, fixed rate, zero rate, actual term, average portfolio life










Need answers today?

Loan File Calculation Services ....


Need all of your loans calculated now?
     •  Effective interest rates
     •  Fee income amortization
     •  Expense amortization
     •  FASB 91 effective interest method, straight line method or both
     •  Book Values
     •  As of, for any month with totals
     •  As of, for any year with totals

Send us a loan file in Excel.
     •  DO NOT include loan numbers or borrower identities
     •  We do not need or want proprietary information
     •  We will calculate your loans and
     •  Send you the results in an Excel file


Call 1-800-245-8444 or
email Support@fdssi.com









Calculator input
•  Principal (original loan amount or balance)
     - Fixed rate
     - Adjustable
     - Amortizing
     - Interest only (non-amortizing)
     - Balloon
•  Note rate
•  Payment (leave blank for system to calculate as non amortizing, "interest only")
•  Term
     Input any three of the above and the software can solve for the unknown.
•  Fees
     - Income
     - Cost (expense) origination charges, dealer fees ....
     - Both. When both are present, software determines the "net amount" to amortize.
     Or, run two pure schedules. One for fee income, a second for costs.
•  Monthly, quarterly, semi-annual, annual payment frequency (button selection)

Additionally available entries:
• Balloon term (callable, average life)
     If entered, Payment can be blank and the
     software will calculate an interest only payment amount
•  Reprice After
     A future point to reprice an adjustable loan
•  Reprice By
     An amount by which to increase or decrease the Note rate



Calculator output
•  Effective interest rate
     -  Calculated by the software
     -  Applicable to fixed rate, adjustable, interest only and balloon loans
•  Determination of deferred fee amount to amortize as:
     -  Income only (up front charges and fees for a lender)
     -  Cost only (origination expenses, up front charges and fees for a borrower)
     -  A "net" fee derived by subtracting the smaller from the larger
•  FASB 91 amortization schedule:
     -  Accrued monthly interest at note rate
     -  Monthly interest at effective rate on loan balance plus or minus remaining deferred fee balance
     -  Deferral recognition (difference between stated and effective interest rates)
     -  Accumulated
     -  Deferral balance (remaining fee to be amortized)
     -  Book value, carrying amount
•  With output results -  View, print and copy, paste to Excel or other spreadsheet program









Price ....

Click to open and view calculator Price page


Multiple loans?  Hundreds?  Thousands?
View this page to import and calculate a loan file.




Flexible ....
Enter a loan to the effective interest rate calculator screen
       •  Enter basic loan information plus fee income, expense or both income and expense.
       •  Calculate effective interest rate.
       •  Produce lifetime loan and deferral amortization schedule. 

Ideal for one or dozens of loans with or without rate changes and payment curtailments
     •  Regular amortizing loans
          Residential, commerical, consumer, auto, other ....
     •  Balloons, with or without payments or principal paydowns
     •  Interest only
     •  Packages, pools, groupings - One big loan, log each monthly principal reduction as a paydown
               If your packages have maturity dates instead of a term in months, view our bond calculator page
     •  Fixed, variable rate
     •  Monthly, quarterly, annual pay
     •  Loans with unusual, variable repayment terms
     •  For originators, borrowers, sellers, buyers, accountants, auditors











 
Price
Price page includes ....
     •  Stand alone and network sharing software prices.
     •  Free demo
     •  Click to open and view price page


Multiple loans?  Hundreds?  Thousands?
View this page to import and calculate a loan file.


Questions?
1-800-245-8444
or email Support@fdssi.com
Other pages of interest ....
FASB 91 products page
Omnibus - Loan, bond packages FASB 91 amortization
Loan file origination fees FASB 91 amortization
Bond file accounting FASB 91 amortization
Bond file accounting straight line amortization
Bond file issue costs FASB 91 amortization
Enter, calculate one record at a time calculator suite
CPA, auditor, financial advisor FASB 91 page
FASB 91 custom system
FASB 91 services offered


 
 
  Loan Fee Calculator Software for Windows® PC, laptop, workstation and network sharing by
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