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Topic: Amortization

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	Loan Amortization
		Amortization is a method for repaying a loan in equal installments.
		An amortization schedule is a table with a row for each payment period of an amortized loan.
		Negative amortization occurs when the payment is not large enough to cover the interest due for a period.
	www.getobjects.com /Components/Finance/TVM/amortization.html (272 words)

	[No title]
		An excellent use of an amortization table is to compare a 15 year term with a 30 year term.
		Home loans are amortized loans since they are to be paid off by a specified date over equal monthly installments.
		Amortization charts generally allow you to enter in the amount of your loan, the amount of your down payment, and your interest rate percentage.
	www.lycos.com /info/amortization--loans.html (457 words)

	amortization. The Columbia Encyclopedia, Sixth Edition. 2001-05
		Thus, if a security is bought at more than its face value (i.e., at a premium), a part of the premium is periodically charged off in order to bring the value of the security to par at maturity; if the security is bought at less than its face value, the discount is similarly charged off.
		Amortization by paying off a certain number of bonds each year is practiced by public corporations.
		Amortization of a fixed asset refers to the depreciation of a nonmaterial investment over its estimated average life.
	www.bartleby.com /65/am/amortiza.html (232 words)

	[No title] (Site not responding. Last check: 2007-11-04)
		Adjustable rate mortgages with payment caps and negative amortization are usually re-amortized at some point so that the remaining loan balance can be fully paid off during the term of the loan.
		An amortization table can be used to help you decide what you would like as far as down payment, interest rate, and length, or term, of repayment.
		Negative amortization can occur when an ARM has a payment cap that results in monthly payments that are not high enough to cover the interest.
	www.lycos.com /info/amortization--negative-amortization.html (524 words)

	AMORTIZATION
		Amortization is the expensing of an intangible asset's amortizable cost to the time periods benefited.
		An assets amortizable cost is the cost or other basis less the estimated residual value.
		Generally, amortization is performed only by those proprietary funds which conduct enterprise or internal service fund operations.
	sam.dgs.ca.gov /TOC/8600/8617.htm (63 words)

	Amortization Schedule, Amortization Calculator Table and Chart
		Use this Amortization Table to obtain a payment plan that enables you to reduce your debt gradually through monthly payments of principal.
		So an amortized loan is for one specific amount that is to be paid off by a certain date, usually in equal monthly installments.
		The amortization calculator gives you the option of looking at an amortization table, also known as an amortization schedule.
	www.calculators4mortgages.com /Calculators/Amortization-Schedule/amortization_schedule.html (569 words)

	What Is negative Amortization?
		With most loans, if there is no allowance for negative amortization, the loan becomes an interest-only mortgage for a time -- $500 a month in payments and $500 a month in interest.
		Increasing the size of the loan balance is called "negative amortization." If the loan term ends without amortization, the remaining debt could be larger than the original mortgage amount.
		When negative amortization is permitted, borrowers should understand that such a clause potentially allows lenders to collect interest that may not be collectible under other loan programs.
	realtytimes.com /rtguide/rtcpages/What_Is_negative_Amortization (313 words)

	Amortization Schedule Calculator - Download Amortization Schedule Calculator - The Amortization Calculator is a tool ... (Site not responding. Last check: 2007-11-04)
		The Amortization Schedule Calculator at www.amortization-calc.com is a quick PHP script that will calculate the amortization, or loan repayment, schedule for your loan.
		The monthly view of the amortization schedule shows each monthly payment for the duration of the loan, including the principal amount, interest amount, and remaining balance after that payment is applied.
		The yearly amortization schedule displays the total interest and principal paid each year of the mortgage, as well as the remaining balance at the end of each year.
	www.sharewareriver.com /cats/products/26342.htm (408 words)

	The Negative Amortization Trap [Fool.com] December 05, 2006
		Although these lenders may have used terms like "negative amortization" when describing these loans, the most important thing many borrowers heard was that they could choose a monthly payment they could afford.
		For instance, depending on exactly what terms a borrower accepts, payments on a negative amortization loan can be quite a bit lower even than interest-only loan payments.
		Negative amortization loans are the only way some homeowners can buy their homes, but they present a trap for the unwary.
	www.fool.com /personal-finance/general/2006/12/05/the-negative-amortization-trap.aspx (1065 words)

	Loan Amortization Schedule $5.99 (free trial) (Site not responding. Last check: 2007-11-04)
		Our Loan Amortization Schedule system creates a table that: (1) lists each payment called for under the loan, (2) states the interest component of each payment, (3) states the principal component of each payment, and (4) states the prinical balance remaining after each payment.
		The following is an example for a $100,000 loan at 8% percent interest with 6 fixed yearly payments of $15,000 (where the user has choosen to have a balance due at the end of the loan term).
		If you wish personal assistance in deciding whether the document found on our site is right for you or desire representations and warranties upon the legality of the document you are purchasing in the jurisdiction you will be using it, contact an attorney licensed to practice law in your state.
	www.medlawplus.com /forminfo/loanamortization.htm (370 words)

	Negative Amortization Schedule
		When mortgage or loan payments are in excess of the interest due, it is a normal amortization schedule.
		When mortgage or loan payments are set to zero in the MORTGAGE2 PRO amortization schedule the schedule becomes an expanded Present Value Future Value grid.
		If you had an amortization schedule you notice that the blended monthly payments for 30 years would have to be $899.33 in order to retire the loan.
	www.amortization.com /negative_amortization_schedule.htm (237 words)

	Amortization as supplied by EagleTraders.com
		To illustrate the mathematical history of a bond bought at a premium and carried currently on an investment basis, suppose a 6.0% tax-exempt bond, paying interest semiannually March 1 and September 1, with a four-year maturity, is bought March 1, 1978, to yield 4.5%, or a cost of $1,054.40.
		The appended table (Mathematics of Amortization) shows what portion of the cash interest is to be regarded as net interest income or yield and how much as reduction of the principal of the investment (amortization of the premium).
		It will be seen that the total of the amortization is equal to the premium and that provision has been made to extinguish it completely.
	www.eagletraders.com /advice/securities/amortization.htm (467 words)

	Amortization Schedule Calculator 1.0 - The Amortization Calculator is a tool for calculating amortization schedules.
		Amortization Schedule Calculator 1.0 - The Amortization Calculator is a tool for calculating amortization schedules.
		The calculated amortization schedule shows the principal amount, interest amount, and remaining balance, as well as total interest, total payments, and final payment date.
		The Amortization Calculator is a tool for estimating your loan budget and understanding amortization schedules before you ever have to deal with a mortgage broker.
	www.filetransit.com /view.php?id=32078 (485 words)

	Amortization : Loan Amortization (Site not responding. Last check: 2007-11-04)
		Amortization is the process of repayment of a loan with periodic payments of both principal and interest calculated to payoff the loan at the end of a fixed period of time.
		This would be trivial if interest weren't involved, since one could simply divide the principal amount into a certain number of payments and be done with it.
		Amortization is used most often in mortgages (at least in the United States) and short-term loans, but the technique can also be applied to figure out how long it would take to pay off a given credit card debt (for example).
	www.amortizationer.com (150 words)

	Amortization Calculator (Site not responding. Last check: 2007-11-04)
		The yearly summary table summarizes the amortization table on yearly basis and shows the amounts of total payments made during each year and its split between principal and interest.
		Amortization Software is a great tool to give it to your customers by customizing your message in the program and by listing all your product and services.
		Amortization Software is one of those Microsoft Window based applications which the users will operate again and again.
	www.musinc.com /amortization (519 words)

	Amortization Calculator (Site not responding. Last check: 2007-11-04)
		During the course of your lifetime, you may have occasion to borrow money for a major purchase — a home or auto, for example.
		The amortization calculator helps you determine the periodic payment you will have to make to repay a loan in a specified time.
		Your debt can be systematically reduced (amortized) on a monthly or annual basis.
	www.lfg.com /lfg/ipc/tls/clc/clm/index.html (160 words)

	Loan Amortization Schedule
		This calculator will amortize your mortgage over the loan period based on your input.
		To see a breakdown by payment, select the Full Loan Amortization box.
		Fill out a quick and easy one step form and you will be contacted by up to 4 mortgage lenders regarding your loan.
	www.mortgage101.com /partner-scripts/Calculators/Amortization.asp?p=mtg101 (118 words)

	Amortization Schedule
		An amortization schedule is a way to see exactly how your mortgage principal and interest payments are applied over the life of your loan.
		Using our amortization spreadsheet, you can change curtailment amounts to adjust the impacts of those extra payments.
		If you are a Registered Personal Internet Banking customer, you can log on to your account and view your amortization schedule.
	www.us.hsbc.com /1/2/3/personal/home-loans/mortgage/existing/amortization-schedule (440 words)

	Loan Amortization
		Our loan amortization software is designed to easily provide the C.P.A. or small business owner with a loan amortization schedule showing interest and payment totals.
		The amortization schedule can be printed in detail or in annual summaries for any chosen year end.
		Our loan amortization software has been in use for over 10 years.
	www.starccs.com /Amortization.html (284 words)

	Amortization/Calculator
		This calculator will compute a loan's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate.
		Then, once you have computed the monthly payment, click on the "Create Amortization Schedule" button to create a report you can print out.
		Note: each time you change one of the loan's variables you will need to recalculate the monthly payment before creating the Amortization Schedule.
	www.ppar.com /amortization.htm (116 words)

	About negative amortization (deferred interest) loans
		This gives it the label "negative amortization." Most loans do not have a negative amortization feature, and are designed to reduce to a zero balance by the end of their terms.
		Negative amortization loans can be useful if you are primarily concerned with cash flow instead of building equity.
		Given this, negative amortization loans may be a temporary solution if income is reduced for a period of time, or if the hold period is short term to minimize cash outflow.
	www.eloan.com /s/show/negam (585 words)

	Amortization Schedule Calculator
		This loan calculator - also known as an amortization schedule calculator - lets you estimate your monthly loan repayments.
		It also determines out how much of your repayments will go towards the principal and how much will go towards interest.
		This loan amortization calculator should only be used to estimate your repayments since it doesn't include taxes or insurance.
	www.amortization-calc.com (75 words)

	Amortization (Site not responding. Last check: 2007-11-04)
		All Amortization Schedules are begun by clicking Start on the menu bar.
		The data input for various Amortization Schedules is similiar to that for a Regular Loan Schedule.
		Type in Date for first Payment, Principal amount of loan, annual interest rate, duration of loan in years and choose the number of payments per year from the list.
	www.easysoft-usa.com /Program_Pages/Amortization.html (488 words)

	Amortization Schedules and Software - Slateboard Software Inc. - QuikCalc Amortization (Site not responding. Last check: 2007-11-04)
		QuikCalc Amortization comes in four editions to meet your needs and is in use by thousands of professionals, individuals and government departments around the world.
		The Premium Edition is a complete mortgage and loan management tool for those individuals who need to track any number of mortgages and loans as well as generate amortization schedules for planning purposes.
		QuikCalc Premium Edition is a powerful, user friendly tool that allows you to create flexible amortization schedules that go far beyond the static tables available from most other programs.
	www.slateboard.com /pro_quikcalcpro.htm?ls_search=google.com (3146 words)

	Loan Amortization Calculator, Loan Amortization, Loan Calculator - Felitec
		Loan And Mortgage calculates amortization schedules for American and Canadian mortgages, personal loans, car loans and miscellaneous other kind of loans.
		For each installment of a loan or mortgage, it calculates amortization details such as...
		Choose between printing the complete amortization table, a specific range of payments or a simple summary.
	www.felitec.com /lam.html (806 words)

	Mortgage-Calc.com - Amortization Schedule and Calculator
		Below you'll find a simple loan calculator which allows you to input different interest rates, loan amounts, and mortgage length so you can estimate your monthly payment.
		Plus, you can also see an amortization schedule of a loan which will show you how much of your payment goes towards the principle and how much towards interest.
		This loan calculator should be used only as an estimation as it doesn't allow for taxes and insurance.
	www.mortgage-calc.com /amortization/amortizationscheduleandcalculator.html (132 words)

	Amortization - OneLook Dictionary Search
		Amortization : AMEX Dictionary of Financial Risk Management [home, info]
		Amortization : Deardorff's Glossary of International Economics [home, info]
		Phrases that include Amortization: negative amortization, planned amortization class, amortization schedule, amortization of premium, amortization term, more...
	www.onelook.com /?w=Amortization&ls=a (324 words)

	Negative Amortization
		This situation occurs when the mortgage payments reach the maximum (as defined by the loan agreement) while the interest rate on the loan is increasing.
		The good thing about negative amortization is that it allows mortgage payments to stay under a certain level if the interest rate on an adjustable rate mortgage increases.
		However, the bad thing about negative amortization is that eventually, the mortgage payments may need to increase to allow the larger loan amortize over its remaining life.
	www.investopedia.com /terms/n/negativeamortization.asp (322 words)

	Personal Finance Calculators: Loan Calculators: Loan Payment Calculator with Amortization Schedule V2
		The following Loan Payment Calculator with Amortization Schedule V2 is a Display Only Version for the purpose of showing you the inputs, outputs and layout of the calculator.
		To access a working copy of the Loan Payment Calculator with Amortization Schedule V2, or any of our other 80 commercial website calculators, please visit our Commercial Calculator Center.
		Loan Payment Calculator with Amortization Schedule V2 This calculator will compute a loan's monthly payment amount -- at various compounding intervals -- based on the principal amount borrowed, the length of the loan and the annual interest rate.
	www.webwinder.com /calculators/calcamdt2.html (194 words)

	Create an Amortization Schedule in Microsoft Excel (Site not responding. Last check: 2007-11-04)
		The difference between a regular amortization schedule and one with a grace period is that in the latter, the repayment of the principal is delayed.
		The loan agreement stipulates the month in which the repayment of principal begins.
		The interest is calculated according to the number of interest days divided by 365 days in a year.
	www.exceltip.com /st/Create_an_Amortization_Schedule_in_Microsoft_Excel/302.html (474 words)

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