Loan Calculator effective rate fee amortization  

Financial Data Support Systems, Inc. 
Amortization Software Products
Loan Files: FASB Effective interest method
Loan packages: Effective interest method
Merchant Cash Advances
FASB 91: All products
Bond  Purchasers: Effective Interest Method
Bond  Issuers: Effective Interest Method
Prepaid Expenses, Deferred Charges    
Deferred Income, Unearned Revenue
Fixed Assets, FF&E Depreciation    
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FASB 91 loan fee income and expense amortization calculator



Calculate effective interest rate and
generate an income or expense recognition schedule determined by
     P&I payment
     Interest only
     Balloon
     Constant principal payment

 Payment periods:
     Monthly
     Quarterly
     Semi-annual
     Annual



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FASB 91 Software
 


About the software ….

Windows
Operates on laptop, PC, workstations, network sharing devices and Cloud based systems running Windows.
Developed in Microsoft .NET Framework Visual Studio within Azure.

Macs
Operates on Macs with Parallels.
Parallels is a third party app that allows Macs to run Windows software.







Need to calculate all loans at the same time?
View  FASB 91 software to calculate a loan file
     Import a loan file to the software and
     generate all monthly accounting reports.








Loan Fees Amortization Calculator
     FASB 91 amortization schedules for one loan at a time
     Also see these pages to calculate an entire file:
     FASB 91 mortgage and other types of loan files calculation page
     FASB 91 dealer fees, indirect lending file calculation page
     FASB 91 MBS, CMO, LSBO, syndicated loan packages page




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



Loan 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
     •  Stand alone and network sharing software prices.
     •  Click to open and view price page


FASB 91 software for a file with hundreds, thousands of loans:
View this page to calculate a loan file under FASB 91.


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


 
 



 
  Loan Fee Calculator Software
 Software for Windows® on a computer, laptop, shared network and cloud based systems
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