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Real Estate Business: Factor Table

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This table serves as a guide in computing the monthly amortization of a buyer. A sample computation is shown below

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To determine the monthly amortization, find the factor basing on the number of years to pay and the interest rates given, then multiply this factor with the amount of loan, you will get the monthly amortization.
 
For Example: The total loan amount is P800,000.00
                          The interest rate  is 15%
                          The term of payment agreed is 10 years
First, find the factor using the table above. Select the row that has 10 years and meet this with the column that has 15%. The meeting point in the table is the factor. In this case, the factor is .0161335. Multiply this factor with loan amount.
 
The monthly amortization shall then be:
                          .0161335  X 800,000 = P12,907.00
 
 

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