INFLAPRO
SAMPLE CALCULATIONS

Infalation rate =10.00% p.a.

PENSION SCHEMES

(3) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 1 of 24Interest at 10% p.a. For Term 20 years Moratorium 120 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33
	Interest	833.33	840.28	847.28	854.34	861.46	868.64	875.88	883.18	890.54	897.96	905.44	912.99
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33	110471.32
	Retn=0.00% First year clo.bal.=110471.32
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110471.32	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53
	Interest	920.59	928.27	936.00	943.80	951.67	959.60	967.59	975.66	983.79	991.99	1000.25	1008.59
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53	122039.12
	Retn=0.00% Second year clo.bal.=122039.12
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122039.12	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	129338.53	130416.35	131503.15	132599.01	133704.00
	Interest	1016.99	1025.47	1034.01	1042.63	1051.32	1060.08	1068.91	1077.82	1086.80	1095.86	1104.99	1114.20
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	129338.53	130416.35	131503.15	132599.01	133704.00	134818.20
	Retn=0.00% Third year clo.bal.=134818.20
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	134818.20	135941.69	137074.54	138216.83	139368.64	140530.05	141701.13	142881.97	144072.65	145273.26	146483.87	147704.57
	Interest	1123.49	1132.85	1142.29	1151.81	1161.41	1171.08	1180.84	1190.68	1200.61	1210.61	1220.70	1230.87
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	135941.69	137074.54	138216.83	139368.64	140530.05	141701.13	142881.97	144072.65	145273.26	146483.87	147704.57	148935.44
	Retn=0.00% Fourth year clo.bal.=148935.44
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148935.44	150176.57	151428.04	152689.94	153962.36	155245.38	156539.09	157843.58	159158.94	160485.26	161822.64	163171.16
	Interest	1241.13	1251.47	1261.90	1272.42	1283.02	1293.71	1304.49	1315.36	1326.32	1337.38	1348.52	1359.76
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	150176.57	151428.04	152689.94	153962.36	155245.38	156539.09	157843.58	159158.94	160485.26	161822.64	163171.16	164530.92
	Retn=0.00% Fifth year clo.bal.=164530.92
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	164530.92	165902.01	167284.53	168678.57	170084.22	171501.59	172930.77	174371.86	175824.96	177290.17	178767.59	180257.32
	Interest	1371.09	1382.52	1394.04	1405.65	1417.37	1429.18	1441.09	1453.10	1465.21	1477.42	1489.73	1502.14
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	165902.01	167284.53	168678.57	170084.22	171501.59	172930.77	174371.86	175824.96	177290.17	178767.59	180257.32	181759.46
	Retn=0.00% Sixth year clo.bal.=181759.46
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	181759.46	183274.12	184801.40	186341.41	187894.26	189460.05	191038.88	192630.87	194236.13	195854.76	197486.88	199132.60
	Interest	1514.66	1527.28	1540.01	1552.85	1565.79	1578.83	1591.99	1605.26	1618.63	1632.12	1645.72	1659.44
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	183274.12	184801.40	186341.41	187894.26	189460.05	191038.88	192630.87	194236.13	195854.76	197486.88	199132.60	200792.04
	Retn=0.00% Seventh year clo.bal.=200792.04
(4) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 1 of 24Interest at 10% p.a. For Term 20 years Moratorium 120 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	200792.04	202465.31	204152.52	205853.79	207569.24	209298.98	211043.14	212801.83	214575.18	216363.31	218166.34	219984.39
	Interest	1673.27	1687.21	1701.27	1715.45	1729.74	1744.16	1758.69	1773.35	1788.13	1803.03	1818.05	1833.20
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	202465.31	204152.52	205853.79	207569.24	209298.98	211043.14	212801.83	214575.18	216363.31	218166.34	219984.39	221817.59
	Retn=0.00% Eighth year clo.bal.=221817.59
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	221817.59	223666.07	225529.95	227409.37	229304.45	231215.32	233142.11	235084.96	237044.00	239019.37	241011.20	243019.63
	Interest	1848.48	1863.88	1879.42	1895.08	1910.87	1926.79	1942.85	1959.04	1975.37	1991.83	2008.43	2025.16
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	223666.07	225529.95	227409.37	229304.45	231215.32	233142.11	235084.96	237044.00	239019.37	241011.20	243019.63	245044.79
	Retn=0.00% Nineth year clo.bal.=245044.79
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	245044.79	247086.83	249145.89	251222.11	253315.63	255426.59	257555.14	259701.43	261865.61	264047.82	266248.22	268466.96
	Interest	2042.04	2059.06	2076.22	2093.52	2110.96	2128.55	2146.29	2164.18	2182.21	2200.40	2218.74	2237.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	247086.83	249145.89	251222.11	253315.63	255426.59	257555.14	259701.43	261865.61	264047.82	266248.22	268466.96	270704.18
	Retn=0.00% Tenth year clo.bal.=270704.18
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	270704.18	270865.13	271027.42	271191.06	271356.07	271522.45	271690.22	271859.39	272029.96	272201.96	272375.39	272550.26
	Interest	2255.87	2257.21	2258.56	2259.93	2261.30	2262.69	2264.09	2265.49	2266.92	2268.35	2269.79	2271.25
	Pension	2094.92	2094.92	2094.92	2094.92	2094.92	2094.92	2094.92	2094.92	2094.92	2094.92	2094.92	2094.92
	Carry Over	270865.13	271027.42	271191.06	271356.07	271522.45	271690.22	271859.39	272029.96	272201.96	272375.39	272550.26	272726.59
	Retn=25.14% Eleventh year clo.bal.=272726.59
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	272726.59	272694.90	272662.95	272630.73	272598.24	272565.48	272532.45	272499.14	272465.56	272431.70	272397.55	272363.12
	Interest	2272.72	2272.46	2272.19	2271.92	2271.65	2271.38	2271.10	2270.83	2270.55	2270.26	2269.98	2269.69
	Pension	2304.41	2304.41	2304.41	2304.41	2304.41	2304.41	2304.41	2304.41	2304.41	2304.41	2304.41	2304.41
	Carry Over	272694.90	272662.95	272630.73	272598.24	272565.48	272532.45	272499.14	272465.56	272431.70	272397.55	272363.12	272328.40
	Retn=27.65% Twelth year clo.bal.=272328.40
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	272328.40	272062.95	271795.29	271525.40	271253.26	270978.85	270702.16	270423.16	270141.84	269858.17	269572.14	269283.72
	Interest	2269.40	2267.19	2264.96	2262.71	2260.44	2258.16	2255.85	2253.53	2251.18	2248.82	2246.43	2244.03
	Pension	2534.85	2534.85	2534.85	2534.85	2534.85	2534.85	2534.85	2534.85	2534.85	2534.85	2534.85	2534.85
	Carry Over	272062.95	271795.29	271525.40	271253.26	270978.85	270702.16	270423.16	270141.84	269858.17	269572.14	269283.72	268992.90
	Retn=30.42% Thirteenth year clo.bal.=268992.90
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	268992.90	268446.17	267894.88	267339.00	266778.49	266213.30	265643.40	265068.76	264489.33	263905.07	263315.94	262721.90
	Interest	2241.61	2237.05	2232.46	2227.83	2223.15	2218.44	2213.70	2208.91	2204.08	2199.21	2194.30	2189.35
	Pension	2788.34	2788.34	2788.34	2788.34	2788.34	2788.34	2788.34	2788.34	2788.34	2788.34	2788.34	2788.34
	Carry Over	268446.17	267894.88	267339.00	266778.49	266213.30	265643.40	265068.76	264489.33	263905.07	263315.94	262721.90	262122.91
	Retn=33.46% Fourteenth year clo.bal.=262122.91
(5) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 1 of 24Interest at 10% p.a. For Term 20 years Moratorium 120 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	262122.91	261240.10	260349.93	259452.34	258547.27	257634.66	256714.45	255786.57	254850.95	253907.54	252956.27	251997.07
	Interest	2184.36	2177.00	2169.58	2162.10	2154.56	2146.96	2139.29	2131.55	2123.76	2115.90	2107.97	2099.98
	Pension	3067.17	3067.17	3067.17	3067.17	3067.17	3067.17	3067.17	3067.17	3067.17	3067.17	3067.17	3067.17
	Carry Over	261240.10	260349.93	259452.34	258547.27	257634.66	256714.45	255786.57	254850.95	253907.54	252956.27	251997.07	251029.88
	Retn=36.81% Fifteenth year clo.bal.=251029.88
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	251029.88	249747.91	248455.25	247151.82	245837.53	244512.29	243176.00	241828.58	240469.93	239099.96	237718.57	236325.67
	Interest	2091.92	2081.23	2070.46	2059.60	2048.65	2037.60	2026.47	2015.24	2003.92	1992.50	1980.99	1969.38
	Pension	3373.89	3373.89	3373.89	3373.89	3373.89	3373.89	3373.89	3373.89	3373.89	3373.89	3373.89	3373.89
	Carry Over	249747.91	248455.25	247151.82	245837.53	244512.29	243176.00	241828.58	240469.93	239099.96	237718.57	236325.67	234921.16
	Retn=40.49% Sixteenth year clo.bal.=234921.16
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	234921.16	233167.56	231399.34	229616.39	227818.58	226005.79	224177.89	222334.76	220476.27	218602.29	216712.70	214807.36
	Interest	1957.68	1943.06	1928.33	1913.47	1898.49	1883.38	1868.15	1852.79	1837.30	1821.69	1805.94	1790.06
	Pension	3711.28	3711.28	3711.28	3711.28	3711.28	3711.28	3711.28	3711.28	3711.28	3711.28	3711.28	3711.28
	Carry Over	233167.56	231399.34	229616.39	227818.58	226005.79	224177.89	222334.76	220476.27	218602.29	216712.70	214807.36	212886.14
	Retn=44.54% Seventeenth year clo.bal.=212886.14
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	212886.14	210577.78	208250.18	205903.19	203536.64	201150.37	198744.21	196318.00	193871.57	191404.76	188917.39	186409.29
	Interest	1774.05	1754.81	1735.42	1715.86	1696.14	1676.25	1656.20	1635.98	1615.60	1595.04	1574.31	1553.41
	Pension	4082.41	4082.41	4082.41	4082.41	4082.41	4082.41	4082.41	4082.41	4082.41	4082.41	4082.41	4082.41
	Carry Over	210577.78	208250.18	205903.19	203536.64	201150.37	198744.21	196318.00	193871.57	191404.76	188917.39	186409.29	183880.29
	Retn=48.99% Eighteenth year clo.bal.=183880.29
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	183880.29	180921.98	177939.01	174931.19	171898.30	168840.14	165756.49	162647.14	159511.88	156350.50	153162.77	149948.48
	Interest	1532.34	1507.68	1482.83	1457.76	1432.49	1407.00	1381.30	1355.39	1329.27	1302.92	1276.36	1249.57
	Pension	4490.65	4490.65	4490.65	4490.65	4490.65	4490.65	4490.65	4490.65	4490.65	4490.65	4490.65	4490.65
	Carry Over	180921.98	177939.01	174931.19	171898.30	168840.14	165756.49	162647.14	159511.88	156350.50	153162.77	149948.48	146707.40
	Retn=53.89% Nineteenth year clo.bal.=146707.40
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	146707.40	142990.24	139242.11	135462.74	131651.88	127809.26	123934.62	120027.69	116088.20	112115.88	108110.46	104071.66
	Interest	1222.56	1191.59	1160.35	1128.86	1097.10	1065.08	1032.79	1000.23	967.40	934.30	900.92	867.26
	Pension	4939.72	4939.72	4939.72	4939.72	4939.72	4939.72	4939.72	4939.72	4939.72	4939.72	4939.72	4938.92
	Carry Over	142990.24	139242.11	135462.74	131651.88	127809.26	123934.62	120027.69	116088.20	112115.88	108110.46	104071.66	100000.00
	Retn=59.28% Twentieth year clo.bal.=100000.00

(6) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 2 of 24Interest at 10% p.a. For Term 20 years Moratorium 60 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33
	Interest	833.33	840.28	847.28	854.34	861.46	868.64	875.88	883.18	890.54	897.96	905.44	912.99
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33	110471.32
	Retn=0.00% First year clo.bal.=110471.32
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110471.32	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53
	Interest	920.59	928.27	936.00	943.80	951.67	959.60	967.59	975.66	983.79	991.99	1000.25	1008.59
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53	122039.12
	Retn=0.00% Second year clo.bal.=122039.12
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122039.12	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	129338.53	130416.35	131503.15	132599.01	133704.00
	Interest	1016.99	1025.47	1034.01	1042.63	1051.32	1060.08	1068.91	1077.82	1086.80	1095.86	1104.99	1114.20
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	129338.53	130416.35	131503.15	132599.01	133704.00	134818.20
	Retn=0.00% Third year clo.bal.=134818.20
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	134818.20	135941.69	137074.54	138216.83	139368.64	140530.05	141701.13	142881.97	144072.65	145273.26	146483.87	147704.57
	Interest	1123.49	1132.85	1142.29	1151.81	1161.41	1171.08	1180.84	1190.68	1200.61	1210.61	1220.70	1230.87
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	135941.69	137074.54	138216.83	139368.64	140530.05	141701.13	142881.97	144072.65	145273.26	146483.87	147704.57	148935.44
	Retn=0.00% Fourth year clo.bal.=148935.44
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148935.44	150176.57	151428.04	152689.94	153962.36	155245.38	156539.09	157843.58	159158.94	160485.26	161822.64	163171.16
	Interest	1241.13	1251.47	1261.90	1272.42	1283.02	1293.71	1304.49	1315.36	1326.32	1337.38	1348.52	1359.76
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	150176.57	151428.04	152689.94	153962.36	155245.38	156539.09	157843.58	159158.94	160485.26	161822.64	163171.16	164530.92
	Retn=0.00% Fifth year clo.bal.=164530.92
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	164530.92	165044.13	165561.62	166083.42	166609.57	167140.10	167675.05	168214.46	168758.37	169306.81	169859.82	170417.44
	Interest	1371.09	1375.37	1379.68	1384.03	1388.41	1392.83	1397.29	1401.79	1406.32	1410.89	1415.50	1420.15
	Pension	857.88	857.88	857.88	857.88	857.88	857.88	857.88	857.88	857.88	857.88	857.88	857.88
	Carry Over	165044.13	165561.62	166083.42	166609.57	167140.10	167675.05	168214.46	168758.37	169306.81	169859.82	170417.44	170979.71
	Retn=10.29% Sixth year clo.bal.=170979.71
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	170979.71	171460.87	171946.04	172435.25	172928.54	173425.94	173927.49	174433.22	174943.16	175457.35	175975.82	176498.62
	Interest	1424.83	1428.84	1432.88	1436.96	1441.07	1445.22	1449.40	1453.61	1457.86	1462.14	1466.47	1470.82
	Pension	943.67	943.67	943.67	943.67	943.67	943.67	943.67	943.67	943.67	943.67	943.67	943.67
	Carry Over	171460.87	171946.04	172435.25	172928.54	173425.94	173927.49	174433.22	174943.16	175457.35	175975.82	176498.62	177025.77
	Retn=11.32% Seventh year clo.bal.=177025.77
(7) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 2 of 24Interest at 10% p.a. For Term 20 years Moratorium 60 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	177025.77	177462.94	177903.76	178348.25	178796.45	179248.38	179704.08	180163.57	180626.89	181094.07	181565.15	182040.15
	Interest	1475.21	1478.86	1482.53	1486.24	1489.97	1493.74	1497.53	1501.36	1505.22	1509.12	1513.04	1517.00
	Pension	1038.04	1038.04	1038.04	1038.04	1038.04	1038.04	1038.04	1038.04	1038.04	1038.04	1038.04	1038.04
	Carry Over	177462.94	177903.76	178348.25	178796.45	179248.38	179704.08	180163.57	180626.89	181094.07	181565.15	182040.15	182519.11
	Retn=12.46% Eighth year clo.bal.=182519.11
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	182519.11	182898.26	183280.57	183666.07	184054.78	184446.73	184841.95	185240.46	185642.29	186047.47	186456.03	186867.99
	Interest	1520.99	1524.15	1527.34	1530.55	1533.79	1537.06	1540.35	1543.67	1547.02	1550.40	1553.80	1557.23
	Pension	1141.84	1141.84	1141.84	1141.84	1141.84	1141.84	1141.84	1141.84	1141.84	1141.84	1141.84	1141.84
	Carry Over	182898.26	183280.57	183666.07	184054.78	184446.73	184841.95	185240.46	185642.29	186047.47	186456.03	186867.99	187283.38
	Retn=13.70% Nineth year clo.bal.=187283.38
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	187283.38	187588.05	187895.26	188205.03	188517.39	188832.35	189149.93	189470.16	189793.06	190118.65	190446.95	190777.99
	Interest	1560.69	1563.23	1565.79	1568.38	1570.98	1573.60	1576.25	1578.92	1581.61	1584.32	1587.06	1589.82
	Pension	1256.02	1256.02	1256.02	1256.02	1256.02	1256.02	1256.02	1256.02	1256.02	1256.02	1256.02	1256.02
	Carry Over	187588.05	187895.26	188205.03	188517.39	188832.35	189149.93	189470.16	189793.06	190118.65	190446.95	190777.99	191111.79
	Retn=15.07% Tenth year clo.bal.=191111.79
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	191111.79	191322.77	191535.51	191750.02	191966.32	192184.42	192404.34	192626.09	192849.69	193075.15	193302.49	193531.72
	Interest	1592.60	1594.36	1596.13	1597.92	1599.72	1601.54	1603.37	1605.22	1607.08	1608.96	1610.85	1612.76
	Pension	1381.62	1381.62	1381.62	1381.62	1381.62	1381.62	1381.62	1381.62	1381.62	1381.62	1381.62	1381.62
	Carry Over	191322.77	191535.51	191750.02	191966.32	192184.42	192404.34	192626.09	192849.69	193075.15	193302.49	193531.72	193762.86
	Retn=16.58% Eleventh year clo.bal.=193762.86
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	193762.86	193857.77	193953.47	194049.97	194147.27	194245.38	194344.31	194444.07	194544.66	194646.09	194748.36	194851.48
	Interest	1614.69	1615.48	1616.28	1617.08	1617.89	1618.71	1619.54	1620.37	1621.21	1622.05	1622.90	1623.76
	Pension	1519.78	1519.78	1519.78	1519.78	1519.78	1519.78	1519.78	1519.78	1519.78	1519.78	1519.78	1519.78
	Carry Over	193857.77	193953.47	194049.97	194147.27	194245.38	194344.31	194444.07	194544.66	194646.09	194748.36	194851.48	194955.46
	Retn=18.24% Twelth year clo.bal.=194955.46
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	194955.46	194908.33	194860.81	194812.89	194764.57	194715.85	194666.72	194617.18	194567.23	194516.86	194466.07	194414.86
	Interest	1624.63	1624.24	1623.84	1623.44	1623.04	1622.63	1622.22	1621.81	1621.39	1620.97	1620.55	1620.12
	Pension	1671.76	1671.76	1671.76	1671.76	1671.76	1671.76	1671.76	1671.76	1671.76	1671.76	1671.76	1671.76
	Carry Over	194908.33	194860.81	194812.89	194764.57	194715.85	194666.72	194617.18	194567.23	194516.86	194466.07	194414.86	194363.22
	Retn=20.06% Thirteenth year clo.bal.=194363.22
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	194363.22	194143.97	193922.90	193699.98	193475.21	193248.56	193020.02	192789.58	192557.22	192322.92	192086.67	191848.45
	Interest	1619.69	1617.87	1616.02	1614.17	1612.29	1610.40	1608.50	1606.58	1604.64	1602.69	1600.72	1598.74
	Pension	1838.94	1838.94	1838.94	1838.94	1838.94	1838.94	1838.94	1838.94	1838.94	1838.94	1838.94	1838.94
	Carry Over	194143.97	193922.90	193699.98	193475.21	193248.56	193020.02	192789.58	192557.22	192322.92	192086.67	191848.45	191608.25
	Retn=22.07% Fourteenth year clo.bal.=191608.25
(8) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 2 of 24Interest at 10% p.a. For Term 20 years Moratorium 60 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	191608.25	191182.16	190752.51	190319.28	189882.44	189441.96	188997.81	188549.96	188098.38	187643.04	187183.90	186720.94
	Interest	1596.74	1593.18	1589.60	1585.99	1582.35	1578.68	1574.98	1571.25	1567.49	1563.69	1559.87	1556.01
	Pension	2022.83	2022.83	2022.83	2022.83	2022.83	2022.83	2022.83	2022.83	2022.83	2022.83	2022.83	2022.83
	Carry Over	191182.16	190752.51	190319.28	189882.44	189441.96	188997.81	188549.96	188098.38	187643.04	187183.90	186720.94	186254.12
	Retn=24.27% Fifteenth year clo.bal.=186254.12
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	186254.12	185581.13	184902.53	184218.27	183528.31	182832.60	182131.10	181423.75	180710.50	179991.31	179266.13	178534.90
	Interest	1552.12	1546.51	1540.85	1535.15	1529.40	1523.61	1517.76	1511.86	1505.92	1499.93	1493.88	1487.79
	Pension	2225.11	2225.11	2225.11	2225.11	2225.11	2225.11	2225.11	2225.11	2225.11	2225.11	2225.11	2225.11
	Carry Over	185581.13	184902.53	184218.27	183528.31	182832.60	182131.10	181423.75	180710.50	179991.31	179266.13	178534.90	177797.58
	Retn=26.70% Sixteenth year clo.bal.=177797.58
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	177797.58	176831.61	175857.59	174875.45	173885.13	172886.55	171879.65	170864.36	169840.61	168808.33	167767.45	166717.89
	Interest	1481.65	1473.60	1465.48	1457.30	1449.04	1440.72	1432.33	1423.87	1415.34	1406.74	1398.06	1389.32
	Pension	2447.62	2447.62	2447.62	2447.62	2447.62	2447.62	2447.62	2447.62	2447.62	2447.62	2447.62	2447.62
	Carry Over	176831.61	175857.59	174875.45	173885.13	172886.55	171879.65	170864.36	169840.61	168808.33	167767.45	166717.89	165659.59
	Retn=29.37% Seventeenth year clo.bal.=165659.59
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	165659.59	164347.71	163024.89	161691.05	160346.10	158989.94	157622.48	156243.62	154853.27	153451.33	152037.71	150612.31
	Interest	1380.50	1369.56	1358.54	1347.43	1336.22	1324.92	1313.52	1302.03	1290.44	1278.76	1266.98	1255.10
	Pension	2692.38	2692.38	2692.38	2692.38	2692.38	2692.38	2692.38	2692.38	2692.38	2692.38	2692.38	2692.38
	Carry Over	164347.71	163024.89	161691.05	160346.10	158989.94	157622.48	156243.62	154853.27	153451.33	152037.71	150612.31	149175.03
	Retn=32.31% Eighteenth year clo.bal.=149175.03
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	149175.03	147456.54	145723.72	143976.46	142214.64	140438.14	138646.84	136840.61	135019.33	133182.87	131331.11	129463.92
	Interest	1243.13	1228.80	1214.36	1199.80	1185.12	1170.32	1155.39	1140.34	1125.16	1109.86	1094.43	1078.87
	Pension	2961.62	2961.62	2961.62	2961.62	2961.62	2961.62	2961.62	2961.62	2961.62	2961.62	2961.62	2961.62
	Carry Over	147456.54	145723.72	143976.46	142214.64	140438.14	138646.84	136840.61	135019.33	133182.87	131331.11	129463.92	127581.17
	Retn=35.54% Nineteenth year clo.bal.=127581.17
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127581.17	125386.57	123173.68	120942.35	118692.42	116423.74	114136.16	111829.51	109503.64	107158.39	104793.60	102409.10
	Interest	1063.18	1044.89	1026.45	1007.85	989.10	970.20	951.13	931.91	912.53	892.99	873.28	853.41
	Pension	3257.78	3257.78	3257.78	3257.78	3257.78	3257.78	3257.78	3257.78	3257.78	3257.78	3257.78	3262.51
	Carry Over	125386.57	123173.68	120942.35	118692.42	116423.74	114136.16	111829.51	109503.64	107158.39	104793.60	102409.10	100000.00
	Retn=39.10% Twentieth year clo.bal.=100000.00

(9) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 3 of 24Interest at 10% p.a. For Term 20 years Moratorium 0 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100438.12	100879.89	101325.35	101774.52	102227.43	102684.12	103144.61	103608.94	104077.14	104549.24	105025.27
	Interest	833.33	836.98	840.67	844.38	848.12	851.90	855.70	859.54	863.41	867.31	871.24	875.21
	Pension	395.21	395.21	395.21	395.21	395.21	395.21	395.21	395.21	395.21	395.21	395.21	395.21
	Carry Over	100438.12	100879.89	101325.35	101774.52	102227.43	102684.12	103144.61	103608.94	104077.14	104549.24	105025.27	105505.27
	Retn=4.74% First year clo.bal.=105505.27
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	105505.27	105949.75	106397.93	106849.85	107305.54	107765.02	108228.33	108695.50	109166.57	109641.56	110120.51	110603.45
	Interest	879.21	882.91	886.65	890.42	894.21	898.04	901.90	905.80	909.72	913.68	917.67	921.70
	Pension	434.73	434.73	434.73	434.73	434.73	434.73	434.73	434.73	434.73	434.73	434.73	434.73
	Carry Over	105949.75	106397.93	106849.85	107305.54	107765.02	108228.33	108695.50	109166.57	109641.56	110120.51	110603.45	111090.42
	Retn=5.22% Second year clo.bal.=111090.42
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	111090.42	111537.97	111989.25	112444.29	112903.13	113365.79	113832.30	114302.70	114777.02	115255.30	115737.56	116223.84
	Interest	925.75	929.48	933.24	937.04	940.86	944.71	948.60	952.52	956.48	960.46	964.48	968.53
	Pension	478.20	478.20	478.20	478.20	478.20	478.20	478.20	478.20	478.20	478.20	478.20	478.20
	Carry Over	111537.97	111989.25	112444.29	112903.13	113365.79	113832.30	114302.70	114777.02	115255.30	115737.56	116223.84	116714.17
	Retn=5.74% Third year clo.bal.=116714.17
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	116714.17	117160.77	117611.09	118065.16	118523.02	118984.69	119450.21	119919.61	120392.92	120870.17	121351.40	121836.64
	Interest	972.62	976.34	980.09	983.88	987.69	991.54	995.42	999.33	1003.27	1007.25	1011.26	1015.31
	Pension	526.02	526.02	526.02	526.02	526.02	526.02	526.02	526.02	526.02	526.02	526.02	526.02
	Carry Over	117160.77	117611.09	118065.16	118523.02	118984.69	119450.21	119919.61	120392.92	120870.17	121351.40	121836.64	122325.93
	Retn=6.31% Fourth year clo.bal.=122325.93
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122325.93	122766.69	123211.13	123659.27	124111.14	124566.78	125026.22	125489.49	125956.62	126427.64	126902.58	127381.48
	Interest	1019.38	1023.06	1026.76	1030.49	1034.26	1038.06	1041.89	1045.75	1049.64	1053.56	1057.52	1061.51
	Pension	578.62	578.62	578.62	578.62	578.62	578.62	578.62	578.62	578.62	578.62	578.62	578.62
	Carry Over	122766.69	123211.13	123659.27	124111.14	124566.78	125026.22	125489.49	125956.62	126427.64	126902.58	127381.48	127864.37
	Retn=6.94% Fifth year clo.bal.=127864.37
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127864.37	128293.43	128726.06	129162.30	129602.17	130045.71	130492.94	130943.90	131398.62	131857.13	132319.46	132785.64
	Interest	1065.54	1069.11	1072.72	1076.35	1080.02	1083.71	1087.44	1091.20	1094.99	1098.81	1102.66	1106.55
	Pension	636.48	636.48	636.48	636.48	636.48	636.48	636.48	636.48	636.48	636.48	636.48	636.48
	Carry Over	128293.43	128726.06	129162.30	129602.17	130045.71	130492.94	130943.90	131398.62	131857.13	132319.46	132785.64	133255.71
	Retn=7.64% Sixth year clo.bal.=133255.71
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	133255.71	133666.04	134079.79	134496.99	134917.67	135341.85	135769.57	136200.85	136635.73	137074.23	137516.39	137962.23
	Interest	1110.46	1113.88	1117.33	1120.81	1124.31	1127.85	1131.41	1135.01	1138.63	1142.29	1145.97	1149.69
	Pension	700.13	700.13	700.13	700.13	700.13	700.13	700.13	700.13	700.13	700.13	700.13	700.13
	Carry Over	133666.04	134079.79	134496.99	134917.67	135341.85	135769.57	136200.85	136635.73	137074.23	137516.39	137962.23	138411.79
	Retn=8.40% Seventh year clo.bal.=138411.79
(10) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 3 of 24Interest at 10% p.a. For Term 20 years Moratorium 0 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	138411.79	138795.08	139181.57	139571.28	139964.23	140360.46	140759.99	141162.85	141569.07	141978.67	142391.69	142808.15
	Interest	1153.43	1156.63	1159.85	1163.09	1166.37	1169.67	1173.00	1176.36	1179.74	1183.16	1186.60	1190.07
	Pension	770.14	770.14	770.14	770.14	770.14	770.14	770.14	770.14	770.14	770.14	770.14	770.14
	Carry Over	138795.08	139181.57	139571.28	139964.23	140360.46	140759.99	141162.85	141569.07	141978.67	142391.69	142808.15	143228.08
	Retn=9.24% Eighth year clo.bal.=143228.08
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	143228.08	143574.50	143923.80	144276.02	144631.17	144989.28	145350.37	145714.47	146081.61	146451.81	146825.09	147201.48
	Interest	1193.57	1196.45	1199.37	1202.30	1205.26	1208.24	1211.25	1214.29	1217.35	1220.43	1223.54	1226.68
	Pension	847.15	847.15	847.15	847.15	847.15	847.15	847.15	847.15	847.15	847.15	847.15	847.15
	Carry Over	143574.50	143923.80	144276.02	144631.17	144989.28	145350.37	145714.47	146081.61	146451.81	146825.09	147201.48	147581.01
	Retn=10.17% Nineth year clo.bal.=147581.01
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	147581.01	147878.98	148179.43	148482.39	148787.87	149095.90	149406.50	149719.68	150035.47	150353.90	150674.98	150998.73
	Interest	1229.84	1232.32	1234.83	1237.35	1239.90	1242.47	1245.05	1247.66	1250.30	1252.95	1255.62	1258.32
	Pension	931.87	931.87	931.87	931.87	931.87	931.87	931.87	931.87	931.87	931.87	931.87	931.87
	Carry Over	147878.98	148179.43	148482.39	148787.87	149095.90	149406.50	149719.68	150035.47	150353.90	150674.98	150998.73	151325.18
	Retn=11.18% Tenth year clo.bal.=151325.18
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	151325.18	151561.16	151799.11	152039.04	152280.97	152524.92	152770.90	153018.93	153269.03	153521.21	153775.49	154031.89
	Interest	1261.04	1263.01	1264.99	1266.99	1269.01	1271.04	1273.09	1275.16	1277.24	1279.34	1281.46	1283.60
	Pension	1025.06	1025.06	1025.06	1025.06	1025.06	1025.06	1025.06	1025.06	1025.06	1025.06	1025.06	1025.06
	Carry Over	151561.16	151799.11	152039.04	152280.97	152524.92	152770.90	153018.93	153269.03	153521.21	153775.49	154031.89	154290.43
	Retn=12.30% Eleventh year clo.bal.=154290.43
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	154290.43	154448.61	154608.11	154768.94	154931.11	155094.63	155259.52	155425.78	155593.42	155762.46	155932.91	156104.78
	Interest	1285.75	1287.07	1288.40	1289.74	1291.09	1292.46	1293.83	1295.21	1296.61	1298.02	1299.44	1300.87
	Pension	1127.57	1127.57	1127.57	1127.57	1127.57	1127.57	1127.57	1127.57	1127.57	1127.57	1127.57	1127.57
	Carry Over	154448.61	154608.11	154768.94	154931.11	155094.63	155259.52	155425.78	155593.42	155762.46	155932.91	156104.78	156278.08
	Retn=13.53% Twelth year clo.bal.=156278.08
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	156278.08	156340.07	156402.57	156465.59	156529.14	156593.22	156657.83	156722.98	156788.67	156854.91	156921.70	156989.05
	Interest	1302.32	1302.83	1303.35	1303.88	1304.41	1304.94	1305.48	1306.02	1306.57	1307.12	1307.68	1308.24
	Pension	1240.33	1240.33	1240.33	1240.33	1240.33	1240.33	1240.33	1240.33	1240.33	1240.33	1240.33	1240.33
	Carry Over	156340.07	156402.57	156465.59	156529.14	156593.22	156657.83	156722.98	156788.67	156854.91	156921.70	156989.05	157056.96
	Retn=14.88% Thirteenth year clo.bal.=157056.96
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	157056.96	157001.41	156945.40	156888.92	156831.97	156774.54	156716.63	156658.24	156599.37	156540.00	156480.14	156419.78
	Interest	1308.81	1308.35	1307.88	1307.41	1306.93	1306.45	1305.97	1305.49	1304.99	1304.50	1304.00	1303.50
	Pension	1364.36	1364.36	1364.36	1364.36	1364.36	1364.36	1364.36	1364.36	1364.36	1364.36	1364.36	1364.36
	Carry Over	157001.41	156945.40	156888.92	156831.97	156774.54	156716.63	156658.24	156599.37	156540.00	156480.14	156419.78	156358.92
	Retn=16.37% Fourteenth year clo.bal.=156358.92
(11) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 3 of 24Interest at 10% p.a. For Term 20 years Moratorium 0 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	156358.92	156161.11	155961.65	155760.53	155557.73	155353.24	155147.05	154939.14	154729.50	154518.11	154304.96	154090.03
	Interest	1302.99	1301.34	1299.68	1298.00	1296.31	1294.61	1292.89	1291.16	1289.41	1287.65	1285.87	1284.08
	Pension	1500.80	1500.80	1500.80	1500.80	1500.80	1500.80	1500.80	1500.80	1500.80	1500.80	1500.80	1500.80
	Carry Over	156161.11	155961.65	155760.53	155557.73	155353.24	155147.05	154939.14	154729.50	154518.11	154304.96	154090.03	153873.31
	Retn=18.01% Fifteenth year clo.bal.=153873.31
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	153873.31	153504.71	153133.04	152758.27	152380.38	151999.34	151615.12	151227.70	150837.05	150443.15	150045.96	149645.46
	Interest	1282.28	1279.21	1276.11	1272.99	1269.84	1266.66	1263.46	1260.23	1256.98	1253.69	1250.38	1247.05
	Pension	1650.88	1650.88	1650.88	1650.88	1650.88	1650.88	1650.88	1650.88	1650.88	1650.88	1650.88	1650.88
	Carry Over	153504.71	153133.04	152758.27	152380.38	151999.34	151615.12	151227.70	150837.05	150443.15	150045.96	149645.46	149241.63
	Retn=19.81% Sixteenth year clo.bal.=149241.63
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	149241.63	148669.34	148092.28	147510.41	146923.69	146332.08	145735.54	145134.03	144527.51	143915.94	143299.27	142677.46
	Interest	1243.68	1238.91	1234.10	1229.25	1224.36	1219.43	1214.46	1209.45	1204.40	1199.30	1194.16	1188.98
	Pension	1815.97	1815.97	1815.97	1815.97	1815.97	1815.97	1815.97	1815.97	1815.97	1815.97	1815.97	1815.97
	Carry Over	148669.34	148092.28	147510.41	146923.69	146332.08	145735.54	145134.03	144527.51	143915.94	143299.27	142677.46	142050.47
	Retn=21.79% Seventeenth year clo.bal.=142050.47
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	142050.47	141236.65	140416.05	139588.61	138754.28	137913.00	137064.71	136209.35	135346.86	134477.18	133600.25	132716.02
	Interest	1183.75	1176.97	1170.13	1163.24	1156.29	1149.28	1142.21	1135.08	1127.89	1120.64	1113.34	1105.97
	Pension	1997.57	1997.57	1997.57	1997.57	1997.57	1997.57	1997.57	1997.57	1997.57	1997.57	1997.57	1997.57
	Carry Over	141236.65	140416.05	139588.61	138754.28	137913.00	137064.71	136209.35	135346.86	134477.18	133600.25	132716.02	131824.42
	Retn=23.97% Eighteenth year clo.bal.=131824.42
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	131824.42	130725.63	129617.68	128500.50	127374.01	126238.13	125092.78	123937.89	122773.38	121599.16	120415.16	119221.29
	Interest	1098.54	1089.38	1080.15	1070.84	1061.45	1051.98	1042.44	1032.82	1023.11	1013.33	1003.46	993.51
	Pension	2197.33	2197.33	2197.33	2197.33	2197.33	2197.33	2197.33	2197.33	2197.33	2197.33	2197.33	2197.33
	Carry Over	130725.63	129617.68	128500.50	127374.01	126238.13	125092.78	123937.89	122773.38	121599.16	120415.16	119221.29	118017.47
	Retn=26.37% Nineteenth year clo.bal.=118017.47
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	118017.47	116583.89	115138.36	113680.79	112211.07	110729.10	109234.78	107728.01	106208.68	104676.69	103131.94	101574.31
	Interest	983.48	971.53	959.49	947.34	935.09	922.74	910.29	897.73	885.07	872.31	859.43	846.45
	Pension	2417.06	2417.06	2417.06	2417.06	2417.06	2417.06	2417.06	2417.06	2417.06	2417.06	2417.06	2420.76
	Carry Over	116583.89	115138.36	113680.79	112211.07	110729.10	109234.78	107728.01	106208.68	104676.69	103131.94	101574.31	100000.00
	Retn=29.01% Twentieth year clo.bal.=100000.00

(12) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 4 of 24Interest at 10% p.a. For Term 10 years Moratorium 60 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33
	Interest	833.33	840.28	847.28	854.34	861.46	868.64	875.88	883.18	890.54	897.96	905.44	912.99
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33	110471.32
	Retn=0.00% First year clo.bal.=110471.32
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110471.32	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53
	Interest	920.59	928.27	936.00	943.80	951.67	959.60	967.59	975.66	983.79	991.99	1000.25	1008.59
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53	122039.12
	Retn=0.00% Second year clo.bal.=122039.12
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122039.12	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	129338.53	130416.35	131503.15	132599.01	133704.00
	Interest	1016.99	1025.47	1034.01	1042.63	1051.32	1060.08	1068.91	1077.82	1086.80	1095.86	1104.99	1114.20
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	129338.53	130416.35	131503.15	132599.01	133704.00	134818.20
	Retn=0.00% Third year clo.bal.=134818.20
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	134818.20	135941.69	137074.54	138216.83	139368.64	140530.05	141701.13	142881.97	144072.65	145273.26	146483.87	147704.57
	Interest	1123.49	1132.85	1142.29	1151.81	1161.41	1171.08	1180.84	1190.68	1200.61	1210.61	1220.70	1230.87
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	135941.69	137074.54	138216.83	139368.64	140530.05	141701.13	142881.97	144072.65	145273.26	146483.87	147704.57	148935.44
	Retn=0.00% Fourth year clo.bal.=148935.44
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148935.44	150176.57	151428.04	152689.94	153962.36	155245.38	156539.09	157843.58	159158.94	160485.26	161822.64	163171.16
	Interest	1241.13	1251.47	1261.90	1272.42	1283.02	1293.71	1304.49	1315.36	1326.32	1337.38	1348.52	1359.76
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	150176.57	151428.04	152689.94	153962.36	155245.38	156539.09	157843.58	159158.94	160485.26	161822.64	163171.16	164530.92
	Retn=0.00% Fifth year clo.bal.=164530.92
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	164530.92	164062.08	163589.33	163112.64	162631.98	162147.32	161658.62	161165.85	160668.97	160167.95	159662.75	159153.34
	Interest	1371.09	1367.18	1363.24	1359.27	1355.27	1351.23	1347.16	1343.05	1338.91	1334.73	1330.52	1326.28
	Pension	1839.93	1839.93	1839.93	1839.93	1839.93	1839.93	1839.93	1839.93	1839.93	1839.93	1839.93	1839.93
	Carry Over	164062.08	163589.33	163112.64	162631.98	162147.32	161658.62	161165.85	160668.97	160167.95	159662.75	159153.34	158639.69
	Retn=22.08% Sixth year clo.bal.=158639.69
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	158639.69	157937.77	157230.00	156516.33	155796.71	155071.10	154339.44	153601.68	152857.77	152107.66	151351.30	150588.64
	Interest	1322.00	1316.15	1310.25	1304.30	1298.31	1292.26	1286.16	1280.01	1273.81	1267.56	1261.26	1254.91
	Pension	2023.92	2023.92	2023.92	2023.92	2023.92	2023.92	2023.92	2023.92	2023.92	2023.92	2023.92	2023.92
	Carry Over	157937.77	157230.00	156516.33	155796.71	155071.10	154339.44	153601.68	152857.77	152107.66	151351.30	150588.64	149819.63
	Retn=24.29% Seventh year clo.bal.=149819.63
(13) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 4 of 24Interest at 10% p.a. For Term 10 years Moratorium 60 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	149819.63	148841.82	147855.86	146861.68	145859.22	144848.40	143829.16	142801.43	141765.13	140720.20	139666.56	138604.14
	Interest	1248.50	1240.35	1232.13	1223.85	1215.49	1207.07	1198.58	1190.01	1181.38	1172.67	1163.89	1155.03
	Pension	2226.31	2226.31	2226.31	2226.31	2226.31	2226.31	2226.31	2226.31	2226.31	2226.31	2226.31	2226.31
	Carry Over	148841.82	147855.86	146861.68	145859.22	144848.40	143829.16	142801.43	141765.13	140720.20	139666.56	138604.14	137532.86
	Retn=26.72% Eighth year clo.bal.=137532.86
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137532.86	136230.03	134916.34	133591.70	132256.02	130909.21	129551.18	128181.83	126801.07	125408.81	124004.94	122589.37
	Interest	1146.11	1135.25	1124.30	1113.26	1102.13	1090.91	1079.59	1068.18	1056.68	1045.07	1033.37	1021.58
	Pension	2448.94	2448.94	2448.94	2448.94	2448.94	2448.94	2448.94	2448.94	2448.94	2448.94	2448.94	2448.94
	Carry Over	136230.03	134916.34	133591.70	132256.02	130909.21	129551.18	128181.83	126801.07	125408.81	124004.94	122589.37	121162.01
	Retn=29.39% Nineth year clo.bal.=121162.01
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	121162.01	119477.86	117779.68	116067.35	114340.75	112599.76	110844.26	109074.13	107289.25	105489.50	103674.75	101844.88
	Interest	1009.68	995.65	981.50	967.23	952.84	938.33	923.70	908.95	894.08	879.08	863.96	848.71
	Pension	2693.83	2693.83	2693.83	2693.83	2693.83	2693.83	2693.83	2693.83	2693.83	2693.83	2693.83	2693.59
	Carry Over	119477.86	117779.68	116067.35	114340.75	112599.76	110844.26	109074.13	107289.25	105489.50	103674.75	101844.88	100000.00
	Retn=32.33% Tenth year clo.bal.=100000.00

(14) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 5 of 24Interest at 10% p.a. For Term 10 years Moratorium 30 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33
	Interest	833.33	840.28	847.28	854.34	861.46	868.64	875.88	883.18	890.54	897.96	905.44	912.99
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100833.33	101673.61	102520.89	103375.23	104236.69	105105.33	105981.21	106864.39	107754.93	108652.89	109558.33	110471.32
	Retn=0.00% First year clo.bal.=110471.32
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110471.32	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53
	Interest	920.59	928.27	936.00	943.80	951.67	959.60	967.59	975.66	983.79	991.99	1000.25	1008.59
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	111391.91	112320.18	113256.18	114199.98	115151.65	116111.25	117078.84	118054.50	119038.29	120030.28	121030.53	122039.12
	Retn=0.00% Second year clo.bal.=122039.12
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122039.12	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	128420.40	128572.44	128725.75	128880.33	129036.20
	Interest	1016.99	1025.47	1034.01	1042.63	1051.32	1060.08	1068.91	1070.17	1071.44	1072.71	1074.00	1075.30
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	918.13	918.13	918.13	918.13	918.13	918.13
	Carry Over	123056.11	124081.58	125115.59	126158.22	127209.54	128269.62	128420.40	128572.44	128725.75	128880.33	129036.20	129193.37
	Retn=5.51% Third year clo.bal.=129193.37
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	129193.37	129260.04	129327.27	129395.06	129463.41	129532.33	129601.83	129671.91	129742.57	129813.82	129885.66	129958.10
	Interest	1076.61	1077.17	1077.73	1078.29	1078.86	1079.44	1080.02	1080.60	1081.19	1081.78	1082.38	1082.98
	Pension	1009.94	1009.94	1009.94	1009.94	1009.94	1009.94	1009.94	1009.94	1009.94	1009.94	1009.94	1009.94
	Carry Over	129260.04	129327.27	129395.06	129463.41	129532.33	129601.83	129671.91	129742.57	129813.82	129885.66	129958.10	130031.14
	Retn=12.12% Fourth year clo.bal.=130031.14
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	130031.14	130003.80	129976.24	129948.45	129920.42	129892.16	129863.66	129834.93	129805.96	129776.75	129747.29	129717.59
	Interest	1083.59	1083.37	1083.14	1082.90	1082.67	1082.43	1082.20	1081.96	1081.72	1081.47	1081.23	1080.98
	Pension	1110.93	1110.93	1110.93	1110.93	1110.93	1110.93	1110.93	1110.93	1110.93	1110.93	1110.93	1110.93
	Carry Over	130003.80	129976.24	129948.45	129920.42	129892.16	129863.66	129834.93	129805.96	129776.75	129747.29	129717.59	129687.64
	Retn=13.33% Fifth year clo.bal.=129687.64
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	129687.64	129546.35	129403.88	129260.23	129115.38	128969.32	128822.04	128673.54	128523.80	128372.81	128220.56	128067.04
	Interest	1080.73	1079.55	1078.37	1077.17	1075.96	1074.74	1073.52	1072.28	1071.03	1069.77	1068.50	1067.23
	Pension	1222.02	1222.02	1222.02	1222.02	1222.02	1222.02	1222.02	1222.02	1222.02	1222.02	1222.02	1222.02
	Carry Over	129546.35	129403.88	129260.23	129115.38	128969.32	128822.04	128673.54	128523.80	128372.81	128220.56	128067.04	127912.25
	Retn=14.66% Sixth year clo.bal.=127912.25
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127912.25	127633.97	127353.37	127070.43	126785.13	126497.45	126207.38	125914.89	125619.96	125322.57	125022.70	124720.34
	Interest	1065.94	1063.62	1061.28	1058.92	1056.54	1054.15	1051.73	1049.29	1046.83	1044.35	1041.86	1039.34
	Pension	1344.22	1344.22	1344.22	1344.22	1344.22	1344.22	1344.22	1344.22	1344.22	1344.22	1344.22	1344.22
	Carry Over	127633.97	127353.37	127070.43	126785.13	126497.45	126207.38	125914.89	125619.96	125322.57	125022.70	124720.34	124415.46
	Retn=16.13% Seventh year clo.bal.=124415.46
(15) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 5 of 24Interest at 10% p.a. For Term 10 years Moratorium 30 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	124415.46	123973.62	123528.09	123078.85	122625.87	122169.11	121708.55	121244.15	120775.88	120303.71	119827.60	119347.52
	Interest	1036.80	1033.11	1029.40	1025.66	1021.88	1018.08	1014.24	1010.37	1006.47	1002.53	998.56	994.56
	Pension	1478.64	1478.64	1478.64	1478.64	1478.64	1478.64	1478.64	1478.64	1478.64	1478.64	1478.64	1478.64
	Carry Over	123973.62	123528.09	123078.85	122625.87	122169.11	121708.55	121244.15	120775.88	120303.71	119827.60	119347.52	118863.44
	Retn=17.74% Eighth year clo.bal.=118863.44
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	118863.44	118227.47	117586.20	116939.59	116287.59	115630.15	114967.23	114298.79	113624.78	112945.15	112259.86	111568.86
	Interest	990.53	985.23	979.89	974.50	969.06	963.58	958.06	952.49	946.87	941.21	935.50	929.74
	Pension	1626.50	1626.50	1626.50	1626.50	1626.50	1626.50	1626.50	1626.50	1626.50	1626.50	1626.50	1626.50
	Carry Over	118227.47	117586.20	116939.59	116287.59	115630.15	114967.23	114298.79	113624.78	112945.15	112259.86	111568.86	110872.10
	Retn=19.52% Nineth year clo.bal.=110872.10
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110872.10	110006.88	109134.45	108254.75	107367.72	106473.30	105571.43	104662.04	103745.07	102820.46	101888.15	100948.07
	Interest	923.93	916.72	909.45	902.12	894.73	887.28	879.76	872.18	864.54	856.84	849.07	841.23
	Pension	1789.15	1789.15	1789.15	1789.15	1789.15	1789.15	1789.15	1789.15	1789.15	1789.15	1789.15	1789.30
	Carry Over	110006.88	109134.45	108254.75	107367.72	106473.30	105571.43	104662.04	103745.07	102820.46	101888.15	100948.07	100000.00
	Retn=21.47% Tenth year clo.bal.=100000.00

(16) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 6 of 24Interest at 10% p.a. For Term 10 years Moratorium 0 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100268.21	100538.66	100811.36	101086.33	101363.60	101643.18	101925.09	102209.35	102495.97	102784.98	103076.40
	Interest	833.33	835.57	837.82	840.09	842.39	844.70	847.03	849.38	851.74	854.13	856.54	858.97
	Pension	565.12	565.12	565.12	565.12	565.12	565.12	565.12	565.12	565.12	565.12	565.12	565.12
	Carry Over	100268.21	100538.66	100811.36	101086.33	101363.60	101643.18	101925.09	102209.35	102495.97	102784.98	103076.40	103370.25
	Retn=6.78% First year clo.bal.=103370.25
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	103370.25	103610.04	103851.83	104095.63	104341.46	104589.34	104839.29	105091.32	105345.45	105601.70	105860.08	106120.62
	Interest	861.42	863.42	865.43	867.46	869.51	871.58	873.66	875.76	877.88	880.01	882.17	884.34
	Pension	621.63	621.63	621.63	621.63	621.63	621.63	621.63	621.63	621.63	621.63	621.63	621.63
	Carry Over	103610.04	103851.83	104095.63	104341.46	104589.34	104839.29	105091.32	105345.45	105601.70	105860.08	106120.62	106383.33
	Retn=7.46% Second year clo.bal.=106383.33
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	106383.33	106586.07	106790.50	106996.63	107204.48	107414.06	107625.39	107838.48	108053.34	108269.99	108488.45	108708.73
	Interest	886.53	888.22	889.92	891.64	893.37	895.12	896.88	898.65	900.44	902.25	904.07	905.91
	Pension	683.79	683.79	683.79	683.79	683.79	683.79	683.79	683.79	683.79	683.79	683.79	683.79
	Carry Over	106586.07	106790.50	106996.63	107204.48	107414.06	107625.39	107838.48	108053.34	108269.99	108488.45	108708.73	108930.85
	Retn=8.21% Third year clo.bal.=108930.85
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108930.85	109086.44	109243.32	109401.51	109561.02	109721.86	109884.04	110047.57	110212.46	110378.73	110546.38	110715.43
	Interest	907.76	909.05	910.36	911.68	913.01	914.35	915.70	917.06	918.44	919.82	921.22	922.63
	Pension	752.17	752.17	752.17	752.17	752.17	752.17	752.17	752.17	752.17	752.17	752.17	752.17
	Carry Over	109086.44	109243.32	109401.51	109561.02	109721.86	109884.04	110047.57	110212.46	110378.73	110546.38	110715.43	110885.89
	Retn=9.03% Fourth year clo.bal.=110885.89
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110885.89	110982.55	111080.01	111178.29	111277.39	111377.31	111478.06	111579.65	111682.09	111785.38	111889.53	111994.55
	Interest	924.05	924.85	925.67	926.49	927.31	928.14	928.98	929.83	930.68	931.54	932.41	933.29
	Pension	827.39	827.39	827.39	827.39	827.39	827.39	827.39	827.39	827.39	827.39	827.39	827.39
	Carry Over	110982.55	111080.01	111178.29	111277.39	111377.31	111478.06	111579.65	111682.09	111785.38	111889.53	111994.55	112100.45
	Retn=9.93% Fifth year clo.bal.=112100.45
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	112100.45	112124.49	112148.73	112173.17	112197.82	112222.67	112247.73	112273.00	112298.48	112324.17	112350.07	112376.19
	Interest	934.17	934.37	934.57	934.78	934.98	935.19	935.40	935.61	935.82	936.03	936.25	936.47
	Pension	910.13	910.13	910.13	910.13	910.13	910.13	910.13	910.13	910.13	910.13	910.13	910.13
	Carry Over	112124.49	112148.73	112173.17	112197.82	112222.67	112247.73	112273.00	112298.48	112324.17	112350.07	112376.19	112402.53
	Retn=10.92% Sixth year clo.bal.=112402.53
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	112402.53	112338.08	112273.09	112207.56	112141.48	112074.85	112007.67	111939.93	111871.62	111802.74	111733.29	111663.26
	Interest	936.69	936.15	935.61	935.06	934.51	933.96	933.40	932.83	932.26	931.69	931.11	930.53
	Pension	1001.14	1001.14	1001.14	1001.14	1001.14	1001.14	1001.14	1001.14	1001.14	1001.14	1001.14	1001.14
	Carry Over	112338.08	112273.09	112207.56	112141.48	112074.85	112007.67	111939.93	111871.62	111802.74	111733.29	111663.26	111592.65
	Retn=12.01% Seventh year clo.bal.=111592.65
(17) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 6 of 24Interest at 10% p.a. For Term 10 years Moratorium 0 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	111592.65	111421.34	111248.60	111074.42	110898.79	110721.70	110543.13	110363.07	110181.51	109998.44	109813.84	109627.71
	Interest	929.94	928.51	927.07	925.62	924.16	922.68	921.19	919.69	918.18	916.65	915.12	913.56
	Pension	1101.25	1101.25	1101.25	1101.25	1101.25	1101.25	1101.25	1101.25	1101.25	1101.25	1101.25	1101.25
	Carry Over	111421.34	111248.60	111074.42	110898.79	110721.70	110543.13	110363.07	110181.51	109998.44	109813.84	109627.71	109440.02
	Retn=13.22% Eighth year clo.bal.=109440.02
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109440.02	109140.64	108838.77	108534.38	108227.45	107917.97	107605.91	107291.25	106973.96	106654.03	106331.43	106006.15
	Interest	912.00	909.51	906.99	904.45	901.90	899.32	896.72	894.09	891.45	888.78	886.10	883.38
	Pension	1211.38	1211.38	1211.38	1211.38	1211.38	1211.38	1211.38	1211.38	1211.38	1211.38	1211.38	1211.38
	Carry Over	109140.64	108838.77	108534.38	108227.45	107917.97	107605.91	107291.25	106973.96	106654.03	106331.43	106006.15	105678.15
	Retn=14.54% Nineth year clo.bal.=105678.15
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	105678.15	105226.28	104770.65	104311.22	103847.96	103380.84	102909.83	102434.89	101955.99	101473.10	100986.19	100495.22
	Interest	880.65	876.89	873.09	869.26	865.40	861.51	857.58	853.62	849.63	845.61	841.55	837.46
	Pension	1332.52	1332.52	1332.52	1332.52	1332.52	1332.52	1332.52	1332.52	1332.52	1332.52	1332.52	1332.68
	Carry Over	105226.28	104770.65	104311.22	103847.96	103380.84	102909.83	102434.89	101955.99	101473.10	100986.19	100495.22	100000.00
	Retn=15.99% Tenth year clo.bal.=100000.00

(18) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 7 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 120 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65
	Interest	770.83	776.78	782.76	788.80	794.88	801.00	807.18	813.40	819.67	825.99	832.36	838.77
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65	109652.42
	Retn=0.00% First year clo.bal.=109652.42
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109652.42	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79
	Interest	845.24	851.75	858.32	864.93	871.60	878.32	885.09	891.91	898.79	905.72	912.70	919.73
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79	120236.52
	Retn=0.00% Second year clo.bal.=120236.52
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	120236.52	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126876.25	127854.25	128839.79	129832.93	130833.73
	Interest	926.82	933.97	941.17	948.42	955.73	963.10	970.52	978.00	985.54	993.14	1000.80	1008.51
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126876.25	127854.25	128839.79	129832.93	130833.73	131842.24
	Retn=0.00% Third year clo.bal.=131842.24
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	131842.24	132858.52	133882.64	134914.65	135954.62	137002.60	138058.66	139122.86	140195.27	141275.94	142364.94	143462.34
	Interest	1016.28	1024.12	1032.01	1039.97	1047.98	1056.06	1064.20	1072.41	1080.67	1089.00	1097.40	1105.86
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	132858.52	133882.64	134914.65	135954.62	137002.60	138058.66	139122.86	140195.27	141275.94	142364.94	143462.34	144568.20
	Retn=0.00% Fourth year clo.bal.=144568.20
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	144568.20	145682.58	146805.55	147937.18	149077.53	150226.67	151384.67	152551.59	153727.51	154912.49	156106.61	157309.93
	Interest	1114.38	1122.97	1131.63	1140.35	1149.14	1158.00	1166.92	1175.92	1184.98	1194.12	1203.32	1212.60
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	145682.58	146805.55	147937.18	149077.53	150226.67	151384.67	152551.59	153727.51	154912.49	156106.61	157309.93	158522.53
	Retn=0.00% Fifth year clo.bal.=158522.53
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	158522.53	159744.47	160975.83	162216.69	163467.11	164727.17	165996.94	167276.50	168565.92	169865.28	171174.66	172494.13
	Interest	1221.94	1231.36	1240.86	1250.42	1260.06	1269.77	1279.56	1289.42	1299.36	1309.38	1319.47	1329.64
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	159744.47	160975.83	162216.69	163467.11	164727.17	165996.94	167276.50	168565.92	169865.28	171174.66	172494.13	173823.77
	Retn=0.00% Sixth year clo.bal.=173823.77
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	173823.77	175163.66	176513.88	177874.51	179245.63	180627.32	182019.66	183422.73	184836.61	186261.39	187697.15	189143.98
	Interest	1339.89	1350.22	1360.63	1371.12	1381.69	1392.34	1403.07	1413.88	1424.78	1435.76	1446.83	1457.98
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	175163.66	176513.88	177874.51	179245.63	180627.32	182019.66	183422.73	184836.61	186261.39	187697.15	189143.98	190601.96
	Retn=0.00% Seventh year clo.bal.=190601.96
(19) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 7 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 120 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	190601.96	192071.18	193551.73	195043.69	196547.15	198062.20	199588.93	201127.43	202677.79	204240.10	205814.45	207400.94
	Interest	1469.22	1480.55	1491.96	1503.46	1515.05	1526.73	1538.50	1550.36	1562.31	1574.35	1586.49	1598.72
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	192071.18	193551.73	195043.69	196547.15	198062.20	199588.93	201127.43	202677.79	204240.10	205814.45	207400.94	208999.66
	Retn=0.00% Eighth year clo.bal.=208999.66
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	208999.66	210610.70	212234.16	213870.13	215518.71	217180.00	218854.10	220541.10	222241.10	223954.21	225680.52	227420.14
	Interest	1611.04	1623.46	1635.97	1648.58	1661.29	1674.10	1687.00	1700.00	1713.11	1726.31	1739.62	1753.03
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	210610.70	212234.16	213870.13	215518.71	217180.00	218854.10	220541.10	222241.10	223954.21	225680.52	227420.14	229173.17
	Retn=0.00% Nineth year clo.bal.=229173.17
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	229173.17	230939.71	232719.87	234513.75	236321.46	238143.10	239978.79	241828.63	243692.73	245571.19	247464.13	249371.67
	Interest	1766.54	1780.16	1793.88	1807.71	1821.64	1835.69	1849.84	1864.10	1878.46	1892.94	1907.54	1922.24
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	230939.71	232719.87	234513.75	236321.46	238143.10	239978.79	241828.63	243692.73	245571.19	247464.13	249371.67	251293.91
	Retn=0.00% Tenth year clo.bal.=251293.91
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	251293.91	251405.19	251517.33	251630.33	251744.20	251858.95	251974.58	252091.10	252208.52	252326.85	252446.09	252566.25
	Interest	1937.06	1937.92	1938.78	1939.65	1940.53	1941.41	1942.30	1943.20	1944.11	1945.02	1945.94	1946.86
	Pension	1825.78	1825.78	1825.78	1825.78	1825.78	1825.78	1825.78	1825.78	1825.78	1825.78	1825.78	1825.78
	Carry Over	251405.19	251517.33	251630.33	251744.20	251858.95	251974.58	252091.10	252208.52	252326.85	252446.09	252566.25	252687.33
	Retn=21.91% Eleventh year clo.bal.=252687.33
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	252687.33	252626.77	252565.74	252504.24	252442.27	252379.82	252316.89	252253.47	252189.56	252125.16	252060.26	251994.86
	Interest	1947.80	1947.33	1946.86	1946.39	1945.91	1945.43	1944.94	1944.45	1943.96	1943.46	1942.96	1942.46
	Pension	2008.36	2008.36	2008.36	2008.36	2008.36	2008.36	2008.36	2008.36	2008.36	2008.36	2008.36	2008.36
	Carry Over	252626.77	252565.74	252504.24	252442.27	252379.82	252316.89	252253.47	252189.56	252125.16	252060.26	251994.86	251928.96
	Retn=24.10% Twelth year clo.bal.=251928.96
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	251928.96	251661.71	251392.40	251121.02	250847.54	250571.96	250294.25	250014.40	249732.39	249448.21	249161.84	248873.26
	Interest	1941.95	1939.89	1937.82	1935.72	1933.62	1931.49	1929.35	1927.19	1925.02	1922.83	1920.62	1918.40
	Pension	2209.20	2209.20	2209.20	2209.20	2209.20	2209.20	2209.20	2209.20	2209.20	2209.20	2209.20	2209.20
	Carry Over	251661.71	251392.40	251121.02	250847.54	250571.96	250294.25	250014.40	249732.39	249448.21	249161.84	248873.26	248582.46
	Retn=26.51% Thirteenth year clo.bal.=248582.46
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	248582.46	248068.50	247550.57	247028.65	246502.71	245972.72	245438.64	244900.44	244358.09	243811.56	243260.82	242705.84
	Interest	1916.16	1912.19	1908.20	1904.18	1900.13	1896.04	1891.92	1887.77	1883.59	1879.38	1875.14	1870.86
	Pension	2430.12	2430.12	2430.12	2430.12	2430.12	2430.12	2430.12	2430.12	2430.12	2430.12	2430.12	2430.12
	Carry Over	248068.50	247550.57	247028.65	246502.71	245972.72	245438.64	244900.44	244358.09	243811.56	243260.82	242705.84	242146.58
	Retn=29.16% Fourteenth year clo.bal.=242146.58
(20) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 7 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 120 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	242146.58	241340.00	240527.20	239708.13	238882.75	238051.01	237212.86	236368.25	235517.13	234659.44	233795.14	232924.18
	Interest	1866.55	1860.33	1854.06	1847.75	1841.39	1834.98	1828.52	1822.01	1815.44	1808.83	1802.17	1795.46
	Pension	2673.13	2673.13	2673.13	2673.13	2673.13	2673.13	2673.13	2673.13	2673.13	2673.13	2673.13	2673.13
	Carry Over	241340.00	240527.20	239708.13	238882.75	238051.01	237212.86	236368.25	235517.13	234659.44	233795.14	232924.18	232046.51
	Retn=32.08% Fifteenth year clo.bal.=232046.51
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	232046.51	230894.76	229734.13	228564.56	227385.97	226198.30	225001.47	223795.42	222580.07	221355.35	220121.19	218877.52
	Interest	1788.69	1779.81	1770.87	1761.85	1752.77	1743.61	1734.39	1725.09	1715.72	1706.28	1696.77	1687.18
	Pension	2940.44	2940.44	2940.44	2940.44	2940.44	2940.44	2940.44	2940.44	2940.44	2940.44	2940.44	2940.44
	Carry Over	230894.76	229734.13	228564.56	227385.97	226198.30	225001.47	223795.42	222580.07	221355.35	220121.19	218877.52	217624.26
	Retn=35.29% Sixteenth year clo.bal.=217624.26
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	217624.26	216067.30	214498.34	212917.28	211324.04	209718.52	208100.62	206470.25	204827.31	203171.71	201503.35	199822.12
	Interest	1677.52	1665.52	1653.42	1641.24	1628.96	1616.58	1604.11	1591.54	1578.88	1566.12	1553.25	1540.30
	Pension	3234.48	3234.48	3234.48	3234.48	3234.48	3234.48	3234.48	3234.48	3234.48	3234.48	3234.48	3234.48
	Carry Over	216067.30	214498.34	212917.28	211324.04	209718.52	208100.62	206470.25	204827.31	203171.71	201503.35	199822.12	198127.94
	Retn=38.81% Seventeenth year clo.bal.=198127.94
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	198127.94	196097.25	194050.90	191988.78	189910.76	187816.73	185706.55	183580.11	181437.28	179277.93	177101.93	174909.16
	Interest	1527.24	1511.58	1495.81	1479.91	1463.90	1447.75	1431.49	1415.10	1398.58	1381.93	1365.16	1348.26
	Pension	3557.93	3557.93	3557.93	3557.93	3557.93	3557.93	3557.93	3557.93	3557.93	3557.93	3557.93	3557.93
	Carry Over	196097.25	194050.90	191988.78	189910.76	187816.73	185706.55	183580.11	181437.28	179277.93	177101.93	174909.16	172699.49
	Retn=42.70% Eighteenth year clo.bal.=172699.49
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	172699.49	170117.00	167514.60	164892.14	162249.46	159586.41	156902.84	154198.58	151473.47	148727.36	145960.08	143171.47
	Interest	1331.23	1311.32	1291.26	1271.04	1250.67	1230.15	1209.46	1188.61	1167.61	1146.44	1125.11	1103.61
	Pension	3913.72	3913.72	3913.72	3913.72	3913.72	3913.72	3913.72	3913.72	3913.72	3913.72	3913.72	3913.72
	Carry Over	170117.00	167514.60	164892.14	162249.46	159586.41	156902.84	154198.58	151473.47	148727.36	145960.08	143171.47	140361.36
	Retn=46.96% Nineteenth year clo.bal.=140361.36
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	140361.36	137138.22	133890.24	130617.22	127318.97	123995.30	120646.01	117270.90	113869.77	110442.43	106988.67	103508.28
	Interest	1081.95	1057.11	1032.07	1006.84	981.42	955.80	929.98	903.96	877.75	851.33	824.70	797.88
	Pension	4305.09	4305.09	4305.09	4305.09	4305.09	4305.09	4305.09	4305.09	4305.09	4305.09	4305.09	4306.16
	Carry Over	137138.22	133890.24	130617.22	127318.97	123995.30	120646.01	117270.90	113869.77	110442.43	106988.67	103508.28	100000.00
	Retn=51.66% Twentieth year clo.bal.=100000.00

(21) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 8 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 60 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65
	Interest	770.83	776.78	782.76	788.80	794.88	801.00	807.18	813.40	819.67	825.99	832.36	838.77
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65	109652.42
	Retn=0.00% First year clo.bal.=109652.42
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109652.42	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79
	Interest	845.24	851.75	858.32	864.93	871.60	878.32	885.09	891.91	898.79	905.72	912.70	919.73
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79	120236.52
	Retn=0.00% Second year clo.bal.=120236.52
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	120236.52	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126876.25	127854.25	128839.79	129832.93	130833.73
	Interest	926.82	933.97	941.17	948.42	955.73	963.10	970.52	978.00	985.54	993.14	1000.80	1008.51
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126876.25	127854.25	128839.79	129832.93	130833.73	131842.24
	Retn=0.00% Third year clo.bal.=131842.24
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	131842.24	132858.52	133882.64	134914.65	135954.62	137002.60	138058.66	139122.86	140195.27	141275.94	142364.94	143462.34
	Interest	1016.28	1024.12	1032.01	1039.97	1047.98	1056.06	1064.20	1072.41	1080.67	1089.00	1097.40	1105.86
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	132858.52	133882.64	134914.65	135954.62	137002.60	138058.66	139122.86	140195.27	141275.94	142364.94	143462.34	144568.20
	Retn=0.00% Fourth year clo.bal.=144568.20
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	144568.20	145682.58	146805.55	147937.18	149077.53	150226.67	151384.67	152551.59	153727.51	154912.49	156106.61	157309.93
	Interest	1114.38	1122.97	1131.63	1140.35	1149.14	1158.00	1166.92	1175.92	1184.98	1194.12	1203.32	1212.60
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	145682.58	146805.55	147937.18	149077.53	150226.67	151384.67	152551.59	153727.51	154912.49	156106.61	157309.93	158522.53
	Retn=0.00% Fifth year clo.bal.=158522.53
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	158522.53	158982.73	159446.48	159913.81	160384.74	160859.30	161337.52	161819.42	162305.04	162794.40	163287.53	163784.46
	Interest	1221.94	1225.49	1229.07	1232.67	1236.30	1239.96	1243.64	1247.36	1251.10	1254.87	1258.67	1262.51
	Pension	761.74	761.74	761.74	761.74	761.74	761.74	761.74	761.74	761.74	761.74	761.74	761.74
	Carry Over	158982.73	159446.48	159913.81	160384.74	160859.30	161337.52	161819.42	162305.04	162794.40	163287.53	163784.46	164285.23
	Retn=9.14% Sixth year clo.bal.=164285.23
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	164285.23	164713.69	165145.45	165580.54	166018.98	166460.80	166906.03	167354.69	167806.81	168262.41	168721.52	169184.17
	Interest	1266.37	1269.67	1273.00	1276.35	1279.73	1283.14	1286.57	1290.03	1293.51	1297.02	1300.56	1304.13
	Pension	837.91	837.91	837.91	837.91	837.91	837.91	837.91	837.91	837.91	837.91	837.91	837.91
	Carry Over	164713.69	165145.45	165580.54	166018.98	166460.80	166906.03	167354.69	167806.81	168262.41	168721.52	169184.17	169650.39
	Retn=10.05% Seventh year clo.bal.=169650.39
(22) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 8 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 60 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	169650.39	170036.41	170425.41	170817.41	171212.43	171610.49	172011.62	172415.84	172823.18	173233.66	173647.30	174064.13
	Interest	1307.72	1310.70	1313.70	1316.72	1319.76	1322.83	1325.92	1329.04	1332.18	1335.34	1338.53	1341.74
	Pension	921.70	921.70	921.70	921.70	921.70	921.70	921.70	921.70	921.70	921.70	921.70	921.70
	Carry Over	170036.41	170425.41	170817.41	171212.43	171610.49	172011.62	172415.84	172823.18	173233.66	173647.30	174064.13	174484.17
	Retn=11.06% Eighth year clo.bal.=174484.17
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	174484.17	174815.28	175148.94	175485.18	175824.01	176165.45	176509.52	176856.24	177205.64	177557.73	177912.53	178270.07
	Interest	1344.98	1347.53	1350.11	1352.70	1355.31	1357.94	1360.59	1363.27	1365.96	1368.67	1371.41	1374.17
	Pension	1013.87	1013.87	1013.87	1013.87	1013.87	1013.87	1013.87	1013.87	1013.87	1013.87	1013.87	1013.87
	Carry Over	174815.28	175148.94	175485.18	175824.01	176165.45	176509.52	176856.24	177205.64	177557.73	177912.53	178270.07	178630.37
	Retn=12.17% Nineth year clo.bal.=178630.37
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	178630.37	178892.05	179155.75	179421.48	179689.26	179959.10	180231.02	180505.04	180781.17	181059.43	181339.84	181622.41
	Interest	1376.94	1378.96	1380.99	1383.04	1385.10	1387.18	1389.28	1391.39	1393.52	1395.67	1397.83	1400.01
	Pension	1115.26	1115.26	1115.26	1115.26	1115.26	1115.26	1115.26	1115.26	1115.26	1115.26	1115.26	1115.26
	Carry Over	178892.05	179155.75	179421.48	179689.26	179959.10	180231.02	180505.04	180781.17	181059.43	181339.84	181622.41	181907.16
	Retn=13.38% Tenth year clo.bal.=181907.16
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	181907.16	182082.57	182259.33	182437.46	182616.96	182797.84	182980.12	183163.80	183348.90	183535.42	183723.38	183912.79
	Interest	1402.20	1403.55	1404.92	1406.29	1407.67	1409.07	1410.47	1411.89	1413.31	1414.75	1416.20	1417.66
	Pension	1226.79	1226.79	1226.79	1226.79	1226.79	1226.79	1226.79	1226.79	1226.79	1226.79	1226.79	1226.79
	Carry Over	182082.57	182259.33	182437.46	182616.96	182797.84	182980.12	183163.80	183348.90	183535.42	183723.38	183912.79	184103.66
	Retn=14.72% Eleventh year clo.bal.=184103.66
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	184103.66	184173.32	184243.52	184314.26	184385.55	184457.39	184529.78	184602.73	184676.24	184750.32	184824.97	184900.19
	Interest	1419.13	1419.67	1420.21	1420.76	1421.31	1421.86	1422.42	1422.98	1423.55	1424.12	1424.69	1425.27
	Pension	1349.47	1349.47	1349.47	1349.47	1349.47	1349.47	1349.47	1349.47	1349.47	1349.47	1349.47	1349.47
	Carry Over	184173.32	184243.52	184314.26	184385.55	184457.39	184529.78	184602.73	184676.24	184750.32	184824.97	184900.19	184975.99
	Retn=16.19% Twelth year clo.bal.=184975.99
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	184975.99	184917.43	184858.42	184798.95	184739.02	184678.63	184617.77	184556.45	184494.65	184432.38	184369.63	184306.39
	Interest	1425.86	1425.41	1424.95	1424.49	1424.03	1423.56	1423.10	1422.62	1422.15	1421.67	1421.18	1420.70
	Pension	1484.42	1484.42	1484.42	1484.42	1484.42	1484.42	1484.42	1484.42	1484.42	1484.42	1484.42	1484.42
	Carry Over	184917.43	184858.42	184798.95	184739.02	184678.63	184617.77	184556.45	184494.65	184432.38	184369.63	184306.39	184242.67
	Retn=17.81% Thirteenth year clo.bal.=184242.67
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	184242.67	184030.01	183815.71	183599.76	183382.15	183162.86	182941.88	182719.20	182494.80	182268.67	182040.80	181811.17
	Interest	1420.20	1418.56	1416.91	1415.25	1413.57	1411.88	1410.18	1408.46	1406.73	1404.99	1403.23	1401.46
	Pension	1632.86	1632.86	1632.86	1632.86	1632.86	1632.86	1632.86	1632.86	1632.86	1632.86	1632.86	1632.86
	Carry Over	184030.01	183815.71	183599.76	183382.15	183162.86	182941.88	182719.20	182494.80	182268.67	182040.80	181811.17	181579.77
	Retn=19.59% Fourteenth year clo.bal.=181579.77
(23) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 8 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 60 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	181579.77	181183.30	180783.77	180381.16	179975.45	179566.61	179154.62	178739.45	178321.08	177899.49	177474.65	177046.53
	Interest	1399.68	1396.62	1393.54	1390.44	1387.31	1384.16	1380.98	1377.78	1374.56	1371.31	1368.03	1364.73
	Pension	1796.15	1796.15	1796.15	1796.15	1796.15	1796.15	1796.15	1796.15	1796.15	1796.15	1796.15	1796.15
	Carry Over	181183.30	180783.77	180381.16	179975.45	179566.61	179154.62	178739.45	178321.08	177899.49	177474.65	177046.53	176615.11
	Retn=21.55% Fifteenth year clo.bal.=176615.11
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	176615.11	176000.75	175381.65	174757.78	174129.10	173495.58	172857.17	172213.84	171565.55	170912.26	170253.94	169590.54
	Interest	1361.41	1356.67	1351.90	1347.09	1342.25	1337.36	1332.44	1327.48	1322.48	1317.45	1312.37	1307.26
	Pension	1975.77	1975.77	1975.77	1975.77	1975.77	1975.77	1975.77	1975.77	1975.77	1975.77	1975.77	1975.77
	Carry Over	176000.75	175381.65	174757.78	174129.10	173495.58	172857.17	172213.84	171565.55	170912.26	170253.94	169590.54	168922.03
	Retn=23.71% Sixteenth year clo.bal.=168922.03
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	168922.03	168050.79	167172.83	166288.10	165396.55	164498.13	163592.79	162680.47	161761.12	160834.68	159901.10	158960.32
	Interest	1302.11	1295.39	1288.62	1281.80	1274.93	1268.01	1261.03	1254.00	1246.91	1239.77	1232.57	1225.32
	Pension	2173.35	2173.35	2173.35	2173.35	2173.35	2173.35	2173.35	2173.35	2173.35	2173.35	2173.35	2173.35
	Carry Over	168050.79	167172.83	166288.10	165396.55	164498.13	163592.79	162680.47	161761.12	160834.68	159901.10	158960.32	158012.29
	Retn=26.08% Seventeenth year clo.bal.=158012.29
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	158012.29	156839.61	155657.89	154467.06	153267.05	152057.79	150839.21	149611.24	148373.80	147126.82	145870.23	144603.96
	Interest	1218.01	1208.97	1199.86	1190.68	1181.43	1172.11	1162.72	1153.25	1143.71	1134.10	1124.42	1114.66
	Pension	2390.69	2390.69	2390.69	2390.69	2390.69	2390.69	2390.69	2390.69	2390.69	2390.69	2390.69	2390.69
	Carry Over	156839.61	155657.89	154467.06	153267.05	152057.79	150839.21	149611.24	148373.80	147126.82	145870.23	144603.96	143327.93
	Retn=28.69% Eighteenth year clo.bal.=143327.93
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	143327.93	141802.99	140266.29	138717.75	137157.27	135584.76	134000.13	132403.29	130794.14	129172.58	127538.53	125891.88
	Interest	1104.82	1093.06	1081.22	1069.28	1057.25	1045.13	1032.92	1020.61	1008.20	995.71	983.11	970.42
	Pension	2629.76	2629.76	2629.76	2629.76	2629.76	2629.76	2629.76	2629.76	2629.76	2629.76	2629.76	2629.76
	Carry Over	141802.99	140266.29	138717.75	137157.27	135584.76	134000.13	132403.29	130794.14	129172.58	127538.53	125891.88	124232.54
	Retn=31.56% Nineteenth year clo.bal.=124232.54
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	124232.54	122297.43	120347.40	118382.34	116402.13	114406.66	112395.80	110369.44	108327.46	106269.74	104196.16	102106.60
	Interest	957.63	942.71	927.68	912.53	897.27	881.88	866.38	850.76	835.02	819.16	803.18	787.07
	Pension	2892.74	2892.74	2892.74	2892.74	2892.74	2892.74	2892.74	2892.74	2892.74	2892.74	2892.74	2893.67
	Carry Over	122297.43	120347.40	118382.34	116402.13	114406.66	112395.80	110369.44	108327.46	106269.74	104196.16	102106.60	100000.00
	Retn=34.71% Twentieth year clo.bal.=100000.00

(24) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 9 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 0 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100413.30	100829.79	101249.49	101672.42	102098.61	102528.09	102960.88	103397.01	103836.50	104279.38	104725.67
	Interest	770.83	774.02	777.23	780.46	783.72	787.01	790.32	793.66	797.02	800.41	803.82	807.26
	Pension	357.53	357.53	357.53	357.53	357.53	357.53	357.53	357.53	357.53	357.53	357.53	357.53
	Carry Over	100413.30	100829.79	101249.49	101672.42	102098.61	102528.09	102960.88	103397.01	103836.50	104279.38	104725.67	105175.40
	Retn=4.29% First year clo.bal.=105175.40
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	105175.40	105592.85	106013.51	106437.42	106864.60	107295.07	107728.86	108165.99	108606.49	109050.39	109497.71	109948.47
	Interest	810.73	813.94	817.19	820.46	823.75	827.07	830.41	833.78	837.18	840.60	844.04	847.52
	Pension	393.28	393.28	393.28	393.28	393.28	393.28	393.28	393.28	393.28	393.28	393.28	393.28
	Carry Over	105592.85	106013.51	106437.42	106864.60	107295.07	107728.86	108165.99	108606.49	109050.39	109497.71	109948.47	110402.71
	Retn=4.72% Second year clo.bal.=110402.71
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110402.71	110821.12	111242.76	111667.65	112095.81	112527.27	112962.06	113400.20	113841.72	114286.64	114734.99	115186.80
	Interest	851.02	854.25	857.50	860.77	864.07	867.40	870.75	874.13	877.53	880.96	884.42	887.90
	Pension	432.61	432.61	432.61	432.61	432.61	432.61	432.61	432.61	432.61	432.61	432.61	432.61
	Carry Over	110821.12	111242.76	111667.65	112095.81	112527.27	112962.06	113400.20	113841.72	114286.64	114734.99	115186.80	115642.09
	Retn=5.19% Third year clo.bal.=115642.09
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	115642.09	116057.63	116476.37	116898.34	117323.56	117752.06	118183.86	118618.99	119057.47	119499.33	119944.60	120393.30
	Interest	891.41	894.61	897.84	901.09	904.37	907.67	911.00	914.35	917.73	921.14	924.57	928.03
	Pension	475.87	475.87	475.87	475.87	475.87	475.87	475.87	475.87	475.87	475.87	475.87	475.87
	Carry Over	116057.63	116476.37	116898.34	117323.56	117752.06	118183.86	118618.99	119057.47	119499.33	119944.60	120393.30	120845.46
	Retn=5.71% Fourth year clo.bal.=120845.46
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	120845.46	121253.52	121664.72	122079.09	122496.66	122917.45	123341.48	123768.78	124199.37	124633.28	125070.53	125511.16
	Interest	931.52	934.66	937.83	941.03	944.25	947.49	950.76	954.05	957.37	960.71	964.09	967.48
	Pension	523.46	523.46	523.46	523.46	523.46	523.46	523.46	523.46	523.46	523.46	523.46	523.46
	Carry Over	121253.52	121664.72	122079.09	122496.66	122917.45	123341.48	123768.78	124199.37	124633.28	125070.53	125511.16	125955.18
	Retn=6.28% Fifth year clo.bal.=125955.18
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	125955.18	126350.27	126748.41	127149.62	127553.92	127961.34	128371.90	128785.62	129202.53	129622.66	130046.02	130472.65
	Interest	970.90	973.95	977.02	980.11	983.23	986.37	989.53	992.72	995.94	999.17	1002.44	1005.73
	Pension	575.81	575.81	575.81	575.81	575.81	575.81	575.81	575.81	575.81	575.81	575.81	575.81
	Carry Over	126350.27	126748.41	127149.62	127553.92	127961.34	128371.90	128785.62	129202.53	129622.66	130046.02	130472.65	130902.57
	Retn=6.91% Sixth year clo.bal.=130902.57
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	130902.57	131278.22	131656.77	132038.23	132422.63	132810.00	133200.35	133593.71	133990.10	134389.55	134792.08	135197.71
	Interest	1009.04	1011.94	1014.85	1017.79	1020.76	1023.74	1026.75	1029.78	1032.84	1035.92	1039.02	1042.15
	Pension	633.39	633.39	633.39	633.39	633.39	633.39	633.39	633.39	633.39	633.39	633.39	633.39
	Carry Over	131278.22	131656.77	132038.23	132422.63	132810.00	133200.35	133593.71	133990.10	134389.55	134792.08	135197.71	135606.47
	Retn=7.60% Seventh year clo.bal.=135606.47
(25) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 9 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 0 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	135606.47	135955.04	136306.30	136660.26	137016.95	137376.39	137738.60	138103.61	138471.43	138842.08	139215.59	139591.98
	Interest	1045.30	1047.99	1050.69	1053.42	1056.17	1058.94	1061.74	1064.55	1067.38	1070.24	1073.12	1076.02
	Pension	696.73	696.73	696.73	696.73	696.73	696.73	696.73	696.73	696.73	696.73	696.73	696.73
	Carry Over	135955.04	136306.30	136660.26	137016.95	137376.39	137738.60	138103.61	138471.43	138842.08	139215.59	139591.98	139971.27
	Retn=8.36% Eighth year clo.bal.=139971.27
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	139971.27	140283.82	140598.77	140916.15	141235.98	141558.27	141883.05	142210.33	142540.13	142872.48	143207.39	143544.88
	Interest	1078.95	1081.35	1083.78	1086.23	1088.69	1091.18	1093.68	1096.20	1098.75	1101.31	1103.89	1106.49
	Pension	766.40	766.40	766.40	766.40	766.40	766.40	766.40	766.40	766.40	766.40	766.40	766.40
	Carry Over	140283.82	140598.77	140916.15	141235.98	141558.27	141883.05	142210.33	142540.13	142872.48	143207.39	143544.88	143884.97
	Retn=9.20% Nineth year clo.bal.=143884.97
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	143884.97	144151.04	144419.16	144689.35	144961.62	145235.99	145512.48	145791.10	146071.87	146354.80	146639.91	146927.22
	Interest	1109.11	1111.16	1113.23	1115.31	1117.41	1119.53	1121.66	1123.81	1125.97	1128.15	1130.35	1132.56
	Pension	843.04	843.04	843.04	843.04	843.04	843.04	843.04	843.04	843.04	843.04	843.04	843.04
	Carry Over	144151.04	144419.16	144689.35	144961.62	145235.99	145512.48	145791.10	146071.87	146354.80	146639.91	146927.22	147216.74
	Retn=10.12% Tenth year clo.bal.=147216.74
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	147216.74	147424.20	147633.25	147843.92	148056.21	148270.14	148485.72	148702.96	148921.87	149142.47	149364.77	149588.78
	Interest	1134.80	1136.39	1138.01	1139.63	1141.27	1142.92	1144.58	1146.25	1147.94	1149.64	1151.35	1153.08
	Pension	927.34	927.34	927.34	927.34	927.34	927.34	927.34	927.34	927.34	927.34	927.34	927.34
	Carry Over	147424.20	147633.25	147843.92	148056.21	148270.14	148485.72	148702.96	148921.87	149142.47	149364.77	149588.78	149814.52
	Retn=11.13% Eleventh year clo.bal.=149814.52
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	149814.52	149949.27	150085.06	150221.90	150359.79	150498.74	150638.76	150779.86	150922.05	151065.34	151209.73	151355.24
	Interest	1154.82	1155.86	1156.91	1157.96	1159.02	1160.09	1161.17	1162.26	1163.36	1164.46	1165.58	1166.70
	Pension	1020.07	1020.07	1020.07	1020.07	1020.07	1020.07	1020.07	1020.07	1020.07	1020.07	1020.07	1020.07
	Carry Over	149949.27	150085.06	150221.90	150359.79	150498.74	150638.76	150779.86	150922.05	151065.34	151209.73	151355.24	151501.87
	Retn=12.24% Twelth year clo.bal.=151501.87
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	151501.87	151547.62	151593.72	151640.17	151686.98	151734.15	151781.69	151829.59	151877.86	151926.51	151975.53	152024.93
	Interest	1167.83	1168.18	1168.53	1168.89	1169.25	1169.62	1169.98	1170.35	1170.73	1171.10	1171.48	1171.86
	Pension	1122.08	1122.08	1122.08	1122.08	1122.08	1122.08	1122.08	1122.08	1122.08	1122.08	1122.08	1122.08
	Carry Over	151547.62	151593.72	151640.17	151686.98	151734.15	151781.69	151829.59	151877.86	151926.51	151975.53	152024.93	152074.71
	Retn=13.46% Thirteenth year clo.bal.=152074.71
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	152074.71	152012.66	151950.13	151887.12	151823.63	151759.65	151695.17	151630.20	151564.73	151498.75	151432.26	151365.26
	Interest	1172.24	1171.76	1171.28	1170.80	1170.31	1169.81	1169.32	1168.82	1168.31	1167.80	1167.29	1166.77
	Pension	1234.29	1234.29	1234.29	1234.29	1234.29	1234.29	1234.29	1234.29	1234.29	1234.29	1234.29	1234.29
	Carry Over	152012.66	151950.13	151887.12	151823.63	151759.65	151695.17	151630.20	151564.73	151498.75	151432.26	151365.26	151297.74
	Retn=14.81% Fourteenth year clo.bal.=151297.74
(26) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 9 of 24Interest at 9.25% p.a. For Term 20 years Moratorium 0 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	151297.74	151106.27	150913.33	150718.90	150522.97	150325.53	150126.57	149926.08	149724.04	149520.44	149315.27	149108.52
	Interest	1166.25	1164.78	1163.29	1161.79	1160.28	1158.76	1157.23	1155.68	1154.12	1152.55	1150.97	1149.38
	Pension	1357.72	1357.72	1357.72	1357.72	1357.72	1357.72	1357.72	1357.72	1357.72	1357.72	1357.72	1357.72
	Carry Over	151106.27	150913.33	150718.90	150522.97	150325.53	150126.57	149926.08	149724.04	149520.44	149315.27	149108.52	148900.18
	Retn=16.29% Fifteenth year clo.bal.=148900.18
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148900.18	148554.46	148206.08	147855.01	147501.24	147144.74	146785.49	146423.47	146058.66	145691.04	145320.59	144947.28
	Interest	1147.77	1145.11	1142.42	1139.72	1136.99	1134.24	1131.47	1128.68	1125.87	1123.04	1120.18	1117.30
	Pension	1493.49	1493.49	1493.49	1493.49	1493.49	1493.49	1493.49	1493.49	1493.49	1493.49	1493.49	1493.49
	Carry Over	148554.46	148206.08	147855.01	147501.24	147144.74	146785.49	146423.47	146058.66	145691.04	145320.59	144947.28	144571.09
	Retn=17.92% Sixteenth year clo.bal.=144571.09
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	144571.09	144042.65	143510.14	142973.52	142432.77	141887.85	141338.73	140785.38	140227.76	139665.84	139099.59	138528.98
	Interest	1114.40	1110.33	1106.22	1102.09	1097.92	1093.72	1089.49	1085.22	1080.92	1076.59	1072.23	1067.83
	Pension	1642.84	1642.84	1642.84	1642.84	1642.84	1642.84	1642.84	1642.84	1642.84	1642.84	1642.84	1642.84
	Carry Over	144042.65	143510.14	142973.52	142432.77	141887.85	141338.73	140785.38	140227.76	139665.84	139099.59	138528.98	137953.97
	Retn=19.71% Seventeenth year clo.bal.=137953.97
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137953.97	137210.25	136460.79	135705.56	134944.50	134177.58	133404.75	132625.96	131841.17	131050.33	130253.39	129450.31
	Interest	1063.40	1057.66	1051.89	1046.06	1040.20	1034.29	1028.33	1022.33	1016.28	1010.18	1004.04	997.85
	Pension	1807.12	1807.12	1807.12	1807.12	1807.12	1807.12	1807.12	1807.12	1807.12	1807.12	1807.12	1807.12
	Carry Over	137210.25	136460.79	135705.56	134944.50	134177.58	133404.75	132625.96	131841.17	131050.33	130253.39	129450.31	128641.04
	Retn=21.69% Eighteenth year clo.bal.=128641.04
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	128641.04	127644.82	126640.92	125629.28	124609.84	123582.54	122547.33	121504.14	120452.90	119393.56	118326.06	117250.33
	Interest	991.61	983.93	976.19	968.39	960.53	952.62	944.64	936.59	928.49	920.33	912.10	903.80
	Pension	1987.83	1987.83	1987.83	1987.83	1987.83	1987.83	1987.83	1987.83	1987.83	1987.83	1987.83	1987.83
	Carry Over	127644.82	126640.92	125629.28	124609.84	123582.54	122547.33	121504.14	120452.90	119393.56	118326.06	117250.33	116166.30
	Retn=23.85% Nineteenth year clo.bal.=116166.30
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	116166.30	114875.14	113574.03	112262.89	110941.64	109610.21	108268.51	106916.47	105554.01	104181.05	102797.50	101403.29
	Interest	895.45	885.50	875.47	865.36	855.18	844.91	834.57	824.15	813.65	803.06	792.40	781.65
	Pension	2186.61	2186.61	2186.61	2186.61	2186.61	2186.61	2186.61	2186.61	2186.61	2186.61	2186.61	2184.94
	Carry Over	114875.14	113574.03	112262.89	110941.64	109610.21	108268.51	106916.47	105554.01	104181.05	102797.50	101403.29	100000.00
	Retn=26.24% Twentieth year clo.bal.=100000.00

(27) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 10 of 24Interest at 9.25% p.a. For Term 10 years Moratorium 60 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65
	Interest	770.83	776.78	782.76	788.80	794.88	801.00	807.18	813.40	819.67	825.99	832.36	838.77
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65	109652.42
	Retn=0.00% First year clo.bal.=109652.42
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109652.42	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79
	Interest	845.24	851.75	858.32	864.93	871.60	878.32	885.09	891.91	898.79	905.72	912.70	919.73
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79	120236.52
	Retn=0.00% Second year clo.bal.=120236.52
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	120236.52	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126876.25	127854.25	128839.79	129832.93	130833.73
	Interest	926.82	933.97	941.17	948.42	955.73	963.10	970.52	978.00	985.54	993.14	1000.80	1008.51
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126876.25	127854.25	128839.79	129832.93	130833.73	131842.24
	Retn=0.00% Third year clo.bal.=131842.24
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	131842.24	132858.52	133882.64	134914.65	135954.62	137002.60	138058.66	139122.86	140195.27	141275.94	142364.94	143462.34
	Interest	1016.28	1024.12	1032.01	1039.97	1047.98	1056.06	1064.20	1072.41	1080.67	1089.00	1097.40	1105.86
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	132858.52	133882.64	134914.65	135954.62	137002.60	138058.66	139122.86	140195.27	141275.94	142364.94	143462.34	144568.20
	Retn=0.00% Fourth year clo.bal.=144568.20
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	144568.20	145682.58	146805.55	147937.18	149077.53	150226.67	151384.67	152551.59	153727.51	154912.49	156106.61	157309.93
	Interest	1114.38	1122.97	1131.63	1140.35	1149.14	1158.00	1166.92	1175.92	1184.98	1194.12	1203.32	1212.60
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	145682.58	146805.55	147937.18	149077.53	150226.67	151384.67	152551.59	153727.51	154912.49	156106.61	157309.93	158522.53
	Retn=0.00% Fifth year clo.bal.=158522.53
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	158522.53	158083.54	157641.17	157195.39	156746.17	156293.49	155837.32	155377.64	154914.41	154447.61	153977.21	153503.19
	Interest	1221.94	1218.56	1215.15	1211.71	1208.25	1204.76	1201.25	1197.70	1194.13	1190.53	1186.91	1183.25
	Pension	1660.93	1660.93	1660.93	1660.93	1660.93	1660.93	1660.93	1660.93	1660.93	1660.93	1660.93	1660.93
	Carry Over	158083.54	157641.17	157195.39	156746.17	156293.49	155837.32	155377.64	154914.41	154447.61	153977.21	153503.19	153025.51
	Retn=19.93% Sixth year clo.bal.=153025.51
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	153025.51	152378.06	151725.62	151068.15	150405.61	149737.97	149065.18	148387.20	147704.00	147015.53	146321.75	145622.63
	Interest	1179.57	1174.58	1169.55	1164.48	1159.38	1154.23	1149.04	1143.82	1138.55	1133.24	1127.90	1122.51
	Pension	1827.02	1827.02	1827.02	1827.02	1827.02	1827.02	1827.02	1827.02	1827.02	1827.02	1827.02	1827.02
	Carry Over	152378.06	151725.62	151068.15	150405.61	149737.97	149065.18	148387.20	147704.00	147015.53	146321.75	145622.63	144918.12
	Retn=21.92% Seventh year clo.bal.=144918.12
(28) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 10 of 24Interest at 9.25% p.a. For Term 10 years Moratorium 60 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	144918.12	144025.48	143125.96	142219.50	141306.06	140385.57	139457.99	138523.26	137581.32	136632.12	135675.61	134711.72
	Interest	1117.08	1110.20	1103.26	1096.28	1089.23	1082.14	1074.99	1067.78	1060.52	1053.21	1045.83	1038.40
	Pension	2009.72	2009.72	2009.72	2009.72	2009.72	2009.72	2009.72	2009.72	2009.72	2009.72	2009.72	2009.72
	Carry Over	144025.48	143125.96	142219.50	141306.06	140385.57	139457.99	138523.26	137581.32	136632.12	135675.61	134711.72	133740.40
	Retn=24.12% Eighth year clo.bal.=133740.40
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	133740.40	132560.63	131371.76	130173.73	128966.46	127749.89	126523.94	125288.54	124043.62	122789.10	121524.91	120250.97
	Interest	1030.92	1021.82	1012.66	1003.42	994.12	984.74	975.29	965.77	956.17	946.50	936.75	926.93
	Pension	2210.69	2210.69	2210.69	2210.69	2210.69	2210.69	2210.69	2210.69	2210.69	2210.69	2210.69	2210.69
	Carry Over	132560.63	131371.76	130173.73	128966.46	127749.89	126523.94	125288.54	124043.62	122789.10	121524.91	120250.97	118967.21
	Retn=26.53% Nineth year clo.bal.=118967.21
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	118967.21	117452.49	115926.09	114387.93	112837.91	111275.94	109701.93	108115.79	106517.42	104906.73	103283.63	101648.01
	Interest	917.04	905.36	893.60	881.74	869.79	857.75	845.62	833.39	821.07	808.66	796.14	783.54
	Pension	2431.76	2431.76	2431.76	2431.76	2431.76	2431.76	2431.76	2431.76	2431.76	2431.76	2431.76	2431.55
	Carry Over	117452.49	115926.09	114387.93	112837.91	111275.94	109701.93	108115.79	106517.42	104906.73	103283.63	101648.01	100000.00
	Retn=29.18% Tenth year clo.bal.=100000.00

(29) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 11 of 24Interest at 9.25% p.a. For Term 10 years Moratorium 30 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65
	Interest	770.83	776.78	782.76	788.80	794.88	801.00	807.18	813.40	819.67	825.99	832.36	838.77
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100770.83	101547.61	102330.37	103119.17	103914.05	104715.05	105522.23	106335.63	107155.30	107981.29	108813.65	109652.42
	Retn=0.00% First year clo.bal.=109652.42
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109652.42	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79
	Interest	845.24	851.75	858.32	864.93	871.60	878.32	885.09	891.91	898.79	905.72	912.70	919.73
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	110497.66	111349.41	112207.73	113072.66	113944.26	114822.58	115707.67	116599.58	117498.37	118404.09	119316.79	120236.52
	Retn=0.00% Second year clo.bal.=120236.52
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	120236.52	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126039.73	126174.77	126310.85	126447.98	126586.16
	Interest	926.82	933.97	941.17	948.42	955.73	963.10	970.52	971.56	972.60	973.65	974.70	975.77
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	836.52	836.52	836.52	836.52	836.52	836.52
	Carry Over	121163.34	122097.31	123038.48	123986.90	124942.63	125905.73	126039.73	126174.77	126310.85	126447.98	126586.16	126725.41
	Retn=5.02% Third year clo.bal.=126725.41
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	126725.41	126782.08	126839.19	126896.74	126954.73	127013.17	127072.06	127131.40	127191.20	127251.46	127312.19	127373.38
	Interest	976.84	977.28	977.72	978.16	978.61	979.06	979.51	979.97	980.43	980.90	981.36	981.84
	Pension	920.17	920.17	920.17	920.17	920.17	920.17	920.17	920.17	920.17	920.17	920.17	920.17
	Carry Over	126782.08	126839.19	126896.74	126954.73	127013.17	127072.06	127131.40	127191.20	127251.46	127312.19	127373.38	127435.05
	Retn=11.04% Fourth year clo.bal.=127435.05
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127435.05	127405.17	127375.06	127344.72	127314.15	127283.34	127252.29	127221.00	127189.47	127157.70	127125.68	127093.42
	Interest	982.31	982.08	981.85	981.62	981.38	981.14	980.90	980.66	980.42	980.17	979.93	979.68
	Pension	1012.19	1012.19	1012.19	1012.19	1012.19	1012.19	1012.19	1012.19	1012.19	1012.19	1012.19	1012.19
	Carry Over	127405.17	127375.06	127344.72	127314.15	127283.34	127252.29	127221.00	127189.47	127157.70	127125.68	127093.42	127060.91
	Retn=12.15% Fifth year clo.bal.=127060.91
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127060.91	126926.93	126791.92	126655.86	126518.76	126380.60	126241.37	126101.07	125959.69	125817.22	125673.65	125528.97
	Interest	979.43	978.40	977.35	976.31	975.25	974.18	973.11	972.03	970.94	969.84	968.73	967.62
	Pension	1113.41	1113.41	1113.41	1113.41	1113.41	1113.41	1113.41	1113.41	1113.41	1113.41	1113.41	1113.41
	Carry Over	126926.93	126791.92	126655.86	126518.76	126380.60	126241.37	126101.07	125959.69	125817.22	125673.65	125528.97	125383.18
	Retn=13.36% Sixth year clo.bal.=125383.18
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	125383.18	125124.93	124864.68	124602.43	124338.16	124071.85	123803.49	123533.06	123260.54	122985.92	122709.19	122430.32
	Interest	966.50	964.50	962.50	960.48	958.44	956.39	954.32	952.23	950.13	948.02	945.88	943.73
	Pension	1224.75	1224.75	1224.75	1224.75	1224.75	1224.75	1224.75	1224.75	1224.75	1224.75	1224.75	1224.75
	Carry Over	125124.93	124864.68	124602.43	124338.16	124071.85	123803.49	123533.06	123260.54	122985.92	122709.19	122430.32	122149.30
	Retn=14.70% Seventh year clo.bal.=122149.30
(30) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 11 of 24Interest at 9.25% p.a. For Term 10 years Moratorium 30 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122149.30	121743.64	121334.85	120922.91	120507.79	120089.47	119667.93	119243.14	118815.08	118383.72	117949.03	117510.99
	Interest	941.57	938.44	935.29	932.11	928.91	925.69	922.44	919.17	915.87	912.54	909.19	905.81
	Pension	1347.23	1347.23	1347.23	1347.23	1347.23	1347.23	1347.23	1347.23	1347.23	1347.23	1347.23	1347.23
	Carry Over	121743.64	121334.85	120922.91	120507.79	120089.47	119667.93	119243.14	118815.08	118383.72	117949.03	117510.99	117069.57
	Retn=16.17% Eighth year clo.bal.=117069.57
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	117069.57	116490.03	115906.02	115317.51	114724.47	114126.85	113524.63	112917.77	112306.23	111689.97	111068.96	110443.17
	Interest	902.41	897.94	893.44	888.91	884.33	879.73	875.09	870.41	865.69	860.94	856.16	851.33
	Pension	1481.95	1481.95	1481.95	1481.95	1481.95	1481.95	1481.95	1481.95	1481.95	1481.95	1481.95	1481.95
	Carry Over	116490.03	115906.02	115317.51	114724.47	114126.85	113524.63	112917.77	112306.23	111689.97	111068.96	110443.17	109812.55
	Retn=17.78% Nineth year clo.bal.=109812.55
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109812.55	109028.87	108239.15	107443.34	106641.40	105833.28	105018.93	104198.30	103371.35	102538.02	101698.27	100852.04
	Interest	846.47	840.43	834.34	828.21	822.03	815.80	809.52	803.20	796.82	790.40	783.92	777.40
	Pension	1630.15	1630.15	1630.15	1630.15	1630.15	1630.15	1630.15	1630.15	1630.15	1630.15	1630.15	1629.44
	Carry Over	109028.87	108239.15	107443.34	106641.40	105833.28	105018.93	104198.30	103371.35	102538.02	101698.27	100852.04	100000.00
	Retn=19.56% Tenth year clo.bal.=100000.00

(31) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 12 of 24Interest at 9.25% p.a. For Term 10 years Moratorium 0 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100251.10	100504.14	100759.13	101016.08	101275.02	101535.95	101798.89	102063.86	102330.87	102599.94	102871.08
	Interest	770.83	772.77	774.72	776.68	778.67	780.66	782.67	784.70	786.74	788.80	790.87	792.96
	Pension	519.73	519.73	519.73	519.73	519.73	519.73	519.73	519.73	519.73	519.73	519.73	519.73
	Carry Over	100251.10	100504.14	100759.13	101016.08	101275.02	101535.95	101798.89	102063.86	102330.87	102599.94	102871.08	103144.31
	Retn=6.24% First year clo.bal.=103144.31
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	103144.31	103367.68	103592.77	103819.60	104048.18	104278.52	104510.63	104744.53	104980.24	105217.76	105457.11	105698.31
	Interest	795.07	796.79	798.53	800.28	802.04	803.81	805.60	807.41	809.22	811.05	812.90	814.76
	Pension	571.70	571.70	571.70	571.70	571.70	571.70	571.70	571.70	571.70	571.70	571.70	571.70
	Carry Over	103367.68	103592.77	103819.60	104048.18	104278.52	104510.63	104744.53	104980.24	105217.76	105457.11	105698.31	105941.37
	Retn=6.86% Second year clo.bal.=105941.37
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	105941.37	106129.13	106318.34	106509.01	106701.15	106894.77	107089.88	107286.49	107484.62	107684.28	107885.48	108088.23
	Interest	816.63	818.08	819.54	821.01	822.49	823.98	825.48	827.00	828.53	830.07	831.62	833.18
	Pension	628.87	628.87	628.87	628.87	628.87	628.87	628.87	628.87	628.87	628.87	628.87	628.87
	Carry Over	106129.13	106318.34	106509.01	106701.15	106894.77	107089.88	107286.49	107484.62	107684.28	107885.48	108088.23	108292.54
	Retn=7.55% Third year clo.bal.=108292.54
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108292.54	108435.53	108579.63	108724.84	108871.17	109018.63	109167.22	109316.96	109467.85	109619.90	109773.13	109927.54
	Interest	834.75	835.86	836.97	838.09	839.22	840.35	841.50	842.65	843.81	844.99	846.17	847.36
	Pension	691.76	691.76	691.76	691.76	691.76	691.76	691.76	691.76	691.76	691.76	691.76	691.76
	Carry Over	108435.53	108579.63	108724.84	108871.17	109018.63	109167.22	109316.96	109467.85	109619.90	109773.13	109927.54	110083.14
	Retn=8.30% Fourth year clo.bal.=110083.14
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110083.14	110170.76	110259.05	110348.02	110437.68	110528.03	110619.08	110710.83	110803.29	110896.46	110990.35	111084.96
	Interest	848.56	849.23	849.91	850.60	851.29	851.99	852.69	853.40	854.11	854.83	855.55	856.28
	Pension	760.94	760.94	760.94	760.94	760.94	760.94	760.94	760.94	760.94	760.94	760.94	760.94
	Carry Over	110170.76	110259.05	110348.02	110437.68	110528.03	110619.08	110710.83	110803.29	110896.46	110990.35	111084.96	111180.30
	Retn=9.13% Fifth year clo.bal.=111180.30
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	111180.30	111200.28	111220.42	111240.71	111261.16	111281.77	111302.54	111323.47	111344.56	111365.81	111387.22	111408.80
	Interest	857.01	857.17	857.32	857.48	857.64	857.80	857.96	858.12	858.28	858.44	858.61	858.78
	Pension	837.03	837.03	837.03	837.03	837.03	837.03	837.03	837.03	837.03	837.03	837.03	837.03
	Carry Over	111200.28	111220.42	111240.71	111261.16	111281.77	111302.54	111323.47	111344.56	111365.81	111387.22	111408.80	111430.55
	Retn=10.04% Sixth year clo.bal.=111430.55
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	111430.55	111368.76	111306.50	111243.76	111180.53	111116.82	111052.62	110987.92	110922.72	110857.02	110790.81	110724.09
	Interest	858.94	858.47	857.99	857.50	857.02	856.53	856.03	855.53	855.03	854.52	854.01	853.50
	Pension	920.73	920.73	920.73	920.73	920.73	920.73	920.73	920.73	920.73	920.73	920.73	920.73
	Carry Over	111368.76	111306.50	111243.76	111180.53	111116.82	111052.62	110987.92	110922.72	110857.02	110790.81	110724.09	110656.86
	Retn=11.05% Seventh year clo.bal.=110656.86
(32) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 12 of 24Interest at 9.25% p.a. For Term 10 years Moratorium 0 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110656.86	110497.04	110335.99	110173.70	110010.16	109845.35	109679.27	109511.91	109343.26	109173.31	109002.05	108829.47
	Interest	852.98	851.75	850.51	849.26	847.99	846.72	845.44	844.15	842.85	841.54	840.22	838.89
	Pension	1012.80	1012.80	1012.80	1012.80	1012.80	1012.80	1012.80	1012.80	1012.80	1012.80	1012.80	1012.80
	Carry Over	110497.04	110335.99	110173.70	110010.16	109845.35	109679.27	109511.91	109343.26	109173.31	109002.05	108829.47	108655.56
	Retn=12.15% Eighth year clo.bal.=108655.56
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108655.56	108379.03	108100.37	107819.56	107536.59	107251.44	106964.09	106674.52	106382.72	106088.67	105792.36	105493.76
	Interest	837.55	835.42	833.27	831.11	828.93	826.73	824.51	822.28	820.03	817.77	815.48	813.18
	Pension	1114.08	1114.08	1114.08	1114.08	1114.08	1114.08	1114.08	1114.08	1114.08	1114.08	1114.08	1114.08
	Carry Over	108379.03	108100.37	107819.56	107536.59	107251.44	106964.09	106674.52	106382.72	106088.67	105792.36	105493.76	105192.86
	Retn=13.37% Nineth year clo.bal.=105192.86
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	105192.86	104778.23	104360.41	103939.36	103515.07	103087.51	102656.65	102222.47	101784.94	101344.04	100899.74	100452.02
	Interest	810.86	807.67	804.44	801.20	797.93	794.63	791.31	787.96	784.59	781.19	777.77	774.32
	Pension	1225.49	1225.49	1225.49	1225.49	1225.49	1225.49	1225.49	1225.49	1225.49	1225.49	1225.49	1226.34
	Carry Over	104778.23	104360.41	103939.36	103515.07	103087.51	102656.65	102222.47	101784.94	101344.04	100899.74	100452.02	100000.00
	Retn=14.71% Tenth year clo.bal.=100000.00

(33) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 13 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 120 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74
	Interest	729.17	734.48	739.84	745.23	750.67	756.14	761.65	767.21	772.80	778.44	784.11	789.83
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74	109109.57
	Retn=0.00% First year clo.bal.=109109.57
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109109.57	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21
	Interest	795.59	801.39	807.24	813.12	819.05	825.02	831.04	837.10	843.20	849.35	855.54	861.78
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21	119048.99
	Retn=0.00% Second year clo.bal.=119048.99
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	119048.99	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	125260.00	126173.35	127093.36	128020.08	128953.56
	Interest	868.07	874.40	880.77	887.19	893.66	900.18	906.74	913.35	920.01	926.72	933.48	940.29
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	125260.00	126173.35	127093.36	128020.08	128953.56	129893.85
	Retn=0.00% Third year clo.bal.=129893.85
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	129893.85	130840.99	131795.04	132756.05	133724.06	134699.13	135681.31	136670.65	137667.21	138671.03	139682.17	140700.69
	Interest	947.14	954.05	961.01	968.01	975.07	982.18	989.34	996.56	1003.82	1011.14	1018.52	1025.94
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	130840.99	131795.04	132756.05	133724.06	134699.13	135681.31	136670.65	137667.21	138671.03	139682.17	140700.69	141726.63
	Retn=0.00% Fourth year clo.bal.=141726.63
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	141726.63	142760.05	143801.01	144849.56	145905.75	146969.65	148041.30	149120.77	150208.11	151303.38	152406.63	153517.93
	Interest	1033.42	1040.96	1048.55	1056.19	1063.90	1071.65	1079.47	1087.34	1095.27	1103.25	1111.30	1119.40
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	142760.05	143801.01	144849.56	145905.75	146969.65	148041.30	149120.77	150208.11	151303.38	152406.63	153517.93	154637.33
	Retn=0.00% Fifth year clo.bal.=154637.33
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	154637.33	155764.89	156900.68	158044.75	159197.16	160357.97	161527.25	162705.05	163891.44	165086.48	166290.24	167502.77
	Interest	1127.56	1135.79	1144.07	1152.41	1160.81	1169.28	1177.80	1186.39	1195.04	1203.76	1212.53	1221.37
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	155764.89	156900.68	158044.75	159197.16	160357.97	161527.25	162705.05	163891.44	165086.48	166290.24	167502.77	168724.14
	Retn=0.00% Sixth year clo.bal.=168724.14
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	168724.14	169954.42	171193.67	172441.96	173699.35	174965.91	176241.70	177526.80	178821.27	180125.18	181438.59	182761.58
	Interest	1230.28	1239.25	1248.29	1257.39	1266.56	1275.79	1285.10	1294.47	1303.91	1313.41	1322.99	1332.64
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	169954.42	171193.67	172441.96	173699.35	174965.91	176241.70	177526.80	178821.27	180125.18	181438.59	182761.58	184094.22
	Retn=0.00% Seventh year clo.bal.=184094.22
(34) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 13 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 120 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	184094.22	185436.57	186788.71	188150.71	189522.64	190904.58	192296.59	193698.75	195111.14	196533.83	197966.89	199410.40
	Interest	1342.35	1352.14	1362.00	1371.93	1381.94	1392.01	1402.16	1412.39	1422.69	1433.06	1443.51	1454.03
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	185436.57	186788.71	188150.71	189522.64	190904.58	192296.59	193698.75	195111.14	196533.83	197966.89	199410.40	200864.43
	Retn=0.00% Eighth year clo.bal.=200864.43
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	200864.43	202329.07	203804.39	205290.46	206787.37	208295.19	209814.01	211343.90	212884.95	214437.24	216000.84	217575.85
	Interest	1464.64	1475.32	1486.07	1496.91	1507.82	1518.82	1529.89	1541.05	1552.29	1563.60	1575.01	1586.49
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	202329.07	203804.39	205290.46	206787.37	208295.19	209814.01	211343.90	212884.95	214437.24	216000.84	217575.85	219162.34
	Retn=0.00% Nineth year clo.bal.=219162.34
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	219162.34	220760.40	222370.11	223991.56	225624.83	227270.01	228927.19	230596.45	232277.88	233971.57	235677.61	237396.09
	Interest	1598.06	1609.71	1621.45	1633.27	1645.18	1657.18	1669.26	1681.43	1693.69	1706.04	1718.48	1731.01
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	220760.40	222370.11	223991.56	225624.83	227270.01	228927.19	230596.45	232277.88	233971.57	235677.61	237396.09	239127.10
	Retn=0.00% Tenth year clo.bal.=239127.10
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	239127.10	239209.88	239293.26	239377.25	239461.85	239547.07	239632.91	239719.37	239806.46	239894.19	239982.56	240071.57
	Interest	1743.64	1744.24	1744.85	1745.46	1746.08	1746.70	1747.32	1747.95	1748.59	1749.23	1749.87	1750.52
	Pension	1660.86	1660.86	1660.86	1660.86	1660.86	1660.86	1660.86	1660.86	1660.86	1660.86	1660.86	1660.86
	Carry Over	239209.88	239293.26	239377.25	239461.85	239547.07	239632.91	239719.37	239806.46	239894.19	239982.56	240071.57	240161.23
	Retn=19.93% Eleventh year clo.bal.=240161.23
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	240161.23	240085.46	240009.13	239932.25	239854.81	239776.80	239698.22	239619.07	239539.34	239459.03	239378.14	239296.66
	Interest	1751.18	1750.62	1750.07	1749.51	1748.94	1748.37	1747.80	1747.22	1746.64	1746.06	1745.47	1744.87
	Pension	1826.95	1826.95	1826.95	1826.95	1826.95	1826.95	1826.95	1826.95	1826.95	1826.95	1826.95	1826.95
	Carry Over	240085.46	240009.13	239932.25	239854.81	239776.80	239698.22	239619.07	239539.34	239459.03	239378.14	239296.66	239214.58
	Retn=21.92% Twelth year clo.bal.=239214.58
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	239214.58	238949.20	238681.89	238412.63	238141.41	237868.21	237593.02	237315.82	237036.60	236755.34	236472.03	236186.66
	Interest	1744.27	1742.34	1740.39	1738.43	1736.45	1734.46	1732.45	1730.43	1728.39	1726.34	1724.28	1722.19
	Pension	2009.65	2009.65	2009.65	2009.65	2009.65	2009.65	2009.65	2009.65	2009.65	2009.65	2009.65	2009.65
	Carry Over	238949.20	238681.89	238412.63	238141.41	237868.21	237593.02	237315.82	237036.60	236755.34	236472.03	236186.66	235899.20
	Retn=24.12% Thirteenth year clo.bal.=235899.20
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	235899.20	235408.68	234914.58	234416.88	233915.55	233410.56	232901.89	232389.51	231873.40	231353.52	230829.85	230302.36
	Interest	1720.10	1716.52	1712.92	1709.29	1705.63	1701.95	1698.24	1694.51	1690.74	1686.95	1683.13	1679.29
	Pension	2210.62	2210.62	2210.62	2210.62	2210.62	2210.62	2210.62	2210.62	2210.62	2210.62	2210.62	2210.62
	Carry Over	235408.68	234914.58	234416.88	233915.55	233410.56	232901.89	232389.51	231873.40	231353.52	230829.85	230302.36	229771.03
	Retn=26.53% Fourteenth year clo.bal.=229771.03
(35) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 13 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 120 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	229771.03	229014.76	228252.98	227485.64	226712.71	225934.14	225149.90	224359.94	223564.22	222762.70	221955.33	221142.07
	Interest	1675.41	1669.90	1664.34	1658.75	1653.11	1647.44	1641.72	1635.96	1630.16	1624.31	1618.42	1612.49
	Pension	2431.68	2431.68	2431.68	2431.68	2431.68	2431.68	2431.68	2431.68	2431.68	2431.68	2431.68	2431.68
	Carry Over	229014.76	228252.98	227485.64	226712.71	225934.14	225149.90	224359.94	223564.22	222762.70	221955.33	221142.07	220322.88
	Retn=29.18% Fifteenth year clo.bal.=220322.88
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	220322.88	219254.55	218178.43	217094.46	216002.59	214902.76	213794.91	212678.98	211554.91	210422.65	209282.13	208133.30
	Interest	1606.52	1598.73	1590.88	1582.98	1575.02	1567.00	1558.92	1550.78	1542.59	1534.33	1526.02	1517.64
	Pension	2674.85	2674.85	2674.85	2674.85	2674.85	2674.85	2674.85	2674.85	2674.85	2674.85	2674.85	2674.85
	Carry Over	219254.55	218178.43	217094.46	216002.59	214902.76	213794.91	212678.98	211554.91	210422.65	209282.13	208133.30	206976.09
	Retn=32.10% Sixteenth year clo.bal.=206976.09
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	206976.09	205542.95	204099.36	202645.24	201180.52	199705.12	198218.96	196721.97	195214.06	193695.16	192165.18	190624.04
	Interest	1509.20	1498.75	1488.22	1477.62	1466.94	1456.18	1445.35	1434.43	1423.44	1412.36	1401.20	1389.97
	Pension	2942.34	2942.34	2942.34	2942.34	2942.34	2942.34	2942.34	2942.34	2942.34	2942.34	2942.34	2942.34
	Carry Over	205542.95	204099.36	202645.24	201180.52	199705.12	198218.96	196721.97	195214.06	193695.16	192165.18	190624.04	189071.67
	Retn=35.31% Seventeenth year clo.bal.=189071.67
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	189071.67	187213.75	185342.28	183457.16	181558.30	179645.59	177718.94	175778.24	173823.39	171854.28	169870.81	167872.88
	Interest	1378.65	1365.10	1351.45	1337.71	1323.86	1309.92	1295.87	1281.72	1267.46	1253.10	1238.64	1224.07
	Pension	3236.57	3236.57	3236.57	3236.57	3236.57	3236.57	3236.57	3236.57	3236.57	3236.57	3236.57	3236.57
	Carry Over	187213.75	185342.28	183457.16	181558.30	179645.59	177718.94	175778.24	173823.39	171854.28	169870.81	167872.88	165860.38
	Retn=38.84% Eighteenth year clo.bal.=165860.38
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	165860.38	163509.55	161141.58	158756.34	156353.71	153933.56	151495.76	149040.19	146566.71	144075.20	141565.52	139037.54
	Interest	1209.40	1192.26	1174.99	1157.60	1140.08	1122.43	1104.66	1086.75	1068.72	1050.55	1032.25	1013.82
	Pension	3560.23	3560.23	3560.23	3560.23	3560.23	3560.23	3560.23	3560.23	3560.23	3560.23	3560.23	3560.23
	Carry Over	163509.55	161141.58	158756.34	156353.71	153933.56	151495.76	149040.19	146566.71	144075.20	141565.52	139037.54	136491.13
	Retn=42.72% Nineteenth year clo.bal.=136491.13
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	136491.13	133570.13	130627.83	127664.07	124678.70	121671.57	118642.51	115591.36	112517.96	109422.15	106303.77	103162.65
	Interest	995.25	973.95	952.49	930.88	909.12	887.19	865.10	842.85	820.44	797.87	775.13	752.23
	Pension	3916.25	3916.25	3916.25	3916.25	3916.25	3916.25	3916.25	3916.25	3916.25	3916.25	3916.25	3914.88
	Carry Over	133570.13	130627.83	127664.07	124678.70	121671.57	118642.51	115591.36	112517.96	109422.15	106303.77	103162.65	100000.00
	Retn=46.99% Twentieth year clo.bal.=100000.00

(36) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 14 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 60 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74
	Interest	729.17	734.48	739.84	745.23	750.67	756.14	761.65	767.21	772.80	778.44	784.11	789.83
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74	109109.57
	Retn=0.00% First year clo.bal.=109109.57
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109109.57	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21
	Interest	795.59	801.39	807.24	813.12	819.05	825.02	831.04	837.10	843.20	849.35	855.54	861.78
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21	119048.99
	Retn=0.00% Second year clo.bal.=119048.99
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	119048.99	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	125260.00	126173.35	127093.36	128020.08	128953.56
	Interest	868.07	874.40	880.77	887.19	893.66	900.18	906.74	913.35	920.01	926.72	933.48	940.29
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	125260.00	126173.35	127093.36	128020.08	128953.56	129893.85
	Retn=0.00% Third year clo.bal.=129893.85
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	129893.85	130840.99	131795.04	132756.05	133724.06	134699.13	135681.31	136670.65	137667.21	138671.03	139682.17	140700.69
	Interest	947.14	954.05	961.01	968.01	975.07	982.18	989.34	996.56	1003.82	1011.14	1018.52	1025.94
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	130840.99	131795.04	132756.05	133724.06	134699.13	135681.31	136670.65	137667.21	138671.03	139682.17	140700.69	141726.63
	Retn=0.00% Fourth year clo.bal.=141726.63
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	141726.63	142760.05	143801.01	144849.56	145905.75	146969.65	148041.30	149120.77	150208.11	151303.38	152406.63	153517.93
	Interest	1033.42	1040.96	1048.55	1056.19	1063.90	1071.65	1079.47	1087.34	1095.27	1103.25	1111.30	1119.40
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	142760.05	143801.01	144849.56	145905.75	146969.65	148041.30	149120.77	150208.11	151303.38	152406.63	153517.93	154637.33
	Retn=0.00% Fifth year clo.bal.=154637.33
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	154637.33	155063.51	155492.80	155925.22	156360.79	156799.54	157241.49	157686.66	158135.08	158586.77	159041.75	159500.05
	Interest	1127.56	1130.67	1133.80	1136.95	1140.13	1143.33	1146.55	1149.80	1153.07	1156.36	1159.68	1163.02
	Pension	701.38	701.38	701.38	701.38	701.38	701.38	701.38	701.38	701.38	701.38	701.38	701.38
	Carry Over	155063.51	155492.80	155925.22	156360.79	156799.54	157241.49	157686.66	158135.08	158586.77	159041.75	159500.05	159961.69
	Retn=8.42% Sixth year clo.bal.=159961.69
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	159961.69	160356.56	160754.31	161154.96	161558.53	161965.04	162374.52	162786.98	163202.45	163620.95	164042.50	164467.12
	Interest	1166.39	1169.27	1172.17	1175.09	1178.03	1181.00	1183.98	1186.99	1190.02	1193.07	1196.14	1199.24
	Pension	771.52	771.52	771.52	771.52	771.52	771.52	771.52	771.52	771.52	771.52	771.52	771.52
	Carry Over	160356.56	160754.31	161154.96	161558.53	161965.04	162374.52	162786.98	163202.45	163620.95	164042.50	164467.12	164894.84
	Retn=9.26% Seventh year clo.bal.=164894.84
(37) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 14 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 60 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	164894.84	165248.53	165604.80	165963.67	166325.15	166689.27	167056.04	167425.49	167797.63	168172.48	168550.07	168930.41
	Interest	1202.36	1204.94	1207.54	1210.15	1212.79	1215.44	1218.12	1220.81	1223.52	1226.26	1229.01	1231.78
	Pension	848.67	848.67	848.67	848.67	848.67	848.67	848.67	848.67	848.67	848.67	848.67	848.67
	Carry Over	165248.53	165604.80	165963.67	166325.15	166689.27	167056.04	167425.49	167797.63	168172.48	168550.07	168930.41	169313.52
	Retn=10.18% Eighth year clo.bal.=169313.52
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	169313.52	169614.56	169917.79	170223.23	170530.90	170840.81	171152.98	171467.43	171784.17	172103.22	172424.60	172748.32
	Interest	1234.58	1236.77	1238.98	1241.21	1243.45	1245.71	1247.99	1250.28	1252.59	1254.92	1257.26	1259.62
	Pension	933.54	933.54	933.54	933.54	933.54	933.54	933.54	933.54	933.54	933.54	933.54	933.54
	Carry Over	169614.56	169917.79	170223.23	170530.90	170840.81	171152.98	171467.43	171784.17	172103.22	172424.60	172748.32	173074.40
	Retn=11.20% Nineth year clo.bal.=173074.40
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	173074.40	173309.51	173546.34	173784.89	174025.18	174267.22	174511.03	174756.62	175004.00	175253.18	175504.18	175757.01
	Interest	1262.00	1263.72	1265.44	1267.18	1268.93	1270.70	1272.48	1274.27	1276.07	1277.89	1279.72	1281.56
	Pension	1026.89	1026.89	1026.89	1026.89	1026.89	1026.89	1026.89	1026.89	1026.89	1026.89	1026.89	1026.89
	Carry Over	173309.51	173546.34	173784.89	174025.18	174267.22	174511.03	174756.62	175004.00	175253.18	175504.18	175757.01	176011.68
	Retn=12.32% Tenth year clo.bal.=176011.68
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	176011.68	176165.52	176320.48	176476.57	176633.80	176792.17	176951.70	177112.39	177274.25	177437.29	177601.52	177766.95
	Interest	1283.42	1284.54	1285.67	1286.81	1287.95	1289.11	1290.27	1291.44	1292.62	1293.81	1295.01	1296.22
	Pension	1129.58	1129.58	1129.58	1129.58	1129.58	1129.58	1129.58	1129.58	1129.58	1129.58	1129.58	1129.58
	Carry Over	176165.52	176320.48	176476.57	176633.80	176792.17	176951.70	177112.39	177274.25	177437.29	177601.52	177766.95	177933.59
	Retn=13.55% Eleventh year clo.bal.=177933.59
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	177933.59	177988.48	178043.77	178099.47	178155.57	178212.08	178269.00	178326.34	178384.10	178442.28	178500.88	178559.91
	Interest	1297.43	1297.83	1298.24	1298.64	1299.05	1299.46	1299.88	1300.30	1300.72	1301.14	1301.57	1302.00
	Pension	1242.54	1242.54	1242.54	1242.54	1242.54	1242.54	1242.54	1242.54	1242.54	1242.54	1242.54	1242.54
	Carry Over	177988.48	178043.77	178099.47	178155.57	178212.08	178269.00	178326.34	178384.10	178442.28	178500.88	178559.91	178619.37
	Retn=14.91% Twelth year clo.bal.=178619.37
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	178619.37	178555.01	178490.18	178424.88	178359.10	178292.85	178226.11	178158.89	178091.18	178022.97	177954.26	177885.05
	Interest	1302.43	1301.96	1301.49	1301.01	1300.54	1300.05	1299.57	1299.08	1298.58	1298.08	1297.58	1297.08
	Pension	1366.79	1366.79	1366.79	1366.79	1366.79	1366.79	1366.79	1366.79	1366.79	1366.79	1366.79	1366.79
	Carry Over	178555.01	178490.18	178424.88	178359.10	178292.85	178226.11	178158.89	178091.18	178022.97	177954.26	177885.05	177815.34
	Retn=16.40% Thirteenth year clo.bal.=177815.34
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	177815.34	177608.44	177400.03	177190.10	176978.64	176765.64	176551.09	176334.97	176117.28	175898.00	175677.12	175454.63
	Interest	1296.57	1295.06	1293.54	1292.01	1290.47	1288.92	1287.35	1285.78	1284.19	1282.59	1280.98	1279.36
	Pension	1503.47	1503.47	1503.47	1503.47	1503.47	1503.47	1503.47	1503.47	1503.47	1503.47	1503.47	1503.47
	Carry Over	177608.44	177400.03	177190.10	176978.64	176765.64	176551.09	176334.97	176117.28	175898.00	175677.12	175454.63	175230.52
	Retn=18.04% Fourteenth year clo.bal.=175230.52
(38) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 14 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 60 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	175230.52	174854.42	174475.58	174093.98	173709.60	173322.41	172932.40	172539.55	172143.83	171745.23	171343.72	170939.28
	Interest	1277.72	1274.98	1272.22	1269.44	1266.63	1263.81	1260.97	1258.10	1255.22	1252.31	1249.38	1246.43
	Pension	1653.82	1653.82	1653.82	1653.82	1653.82	1653.82	1653.82	1653.82	1653.82	1653.82	1653.82	1653.82
	Carry Over	174854.42	174475.58	174093.98	173709.60	173322.41	172932.40	172539.55	172143.83	171745.23	171343.72	170939.28	170531.89
	Retn=19.85% Fifteenth year clo.bal.=170531.89
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	170531.89	169956.15	169376.21	168792.04	168203.62	167610.90	167013.86	166412.47	165806.69	165196.50	164581.86	163962.74
	Interest	1243.46	1239.26	1235.03	1230.78	1226.48	1222.16	1217.81	1213.42	1209.01	1204.56	1200.08	1195.56
	Pension	1819.20	1819.20	1819.20	1819.20	1819.20	1819.20	1819.20	1819.20	1819.20	1819.20	1819.20	1819.20
	Carry Over	169956.15	169376.21	168792.04	168203.62	167610.90	167013.86	166412.47	165806.69	165196.50	164581.86	163962.74	163339.10
	Retn=21.83% Sixteenth year clo.bal.=163339.10
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	163339.10	162528.99	161712.98	160891.02	160063.06	159229.07	158389.00	157542.80	156690.43	155831.84	154966.99	154095.84
	Interest	1191.01	1185.11	1179.16	1173.16	1167.13	1161.05	1154.92	1148.75	1142.53	1136.27	1129.97	1123.62
	Pension	2001.12	2001.12	2001.12	2001.12	2001.12	2001.12	2001.12	2001.12	2001.12	2001.12	2001.12	2001.12
	Carry Over	162528.99	161712.98	160891.02	160063.06	159229.07	158389.00	157542.80	156690.43	155831.84	154966.99	154095.84	153218.34
	Retn=24.01% Seventeenth year clo.bal.=153218.34
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	153218.34	152134.33	151042.41	149942.53	148834.63	147718.65	146594.54	145462.23	144321.66	143172.78	142015.52	140849.82
	Interest	1117.22	1109.31	1101.35	1093.33	1085.25	1077.12	1068.92	1060.66	1052.35	1043.97	1035.53	1027.03
	Pension	2201.23	2201.23	2201.23	2201.23	2201.23	2201.23	2201.23	2201.23	2201.23	2201.23	2201.23	2201.23
	Carry Over	152134.33	151042.41	149942.53	148834.63	147718.65	146594.54	145462.23	144321.66	143172.78	142015.52	140849.82	139675.62
	Retn=26.41% Eighteenth year clo.bal.=139675.62
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	139675.62	138272.74	136859.63	135436.21	134002.42	132558.17	131103.39	129638.00	128161.93	126675.09	125177.41	123668.81
	Interest	1018.47	1008.24	997.93	987.56	977.10	966.57	955.96	945.28	934.51	923.67	912.75	901.75
	Pension	2421.35	2421.35	2421.35	2421.35	2421.35	2421.35	2421.35	2421.35	2421.35	2421.35	2421.35	2421.35
	Carry Over	138272.74	136859.63	135436.21	134002.42	132558.17	131103.39	129638.00	128161.93	126675.09	125177.41	123668.81	122149.21
	Retn=29.06% Nineteenth year clo.bal.=122149.21
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122149.21	120376.39	118590.64	116791.87	114979.99	113154.90	111316.50	109464.69	107599.38	105720.47	103827.86	101921.45
	Interest	890.67	877.74	864.72	851.61	838.40	825.09	811.68	798.18	784.58	770.88	757.08	743.18
	Pension	2663.49	2663.49	2663.49	2663.49	2663.49	2663.49	2663.49	2663.49	2663.49	2663.49	2663.49	2664.63
	Carry Over	120376.39	118590.64	116791.87	114979.99	113154.90	111316.50	109464.69	107599.38	105720.47	103827.86	101921.45	100000.00
	Retn=31.96% Twentieth year clo.bal.=100000.00

(39) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 15 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 0 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100396.00	100794.88	101196.67	101601.39	102009.06	102419.71	102833.35	103250.01	103669.70	104092.45	104518.29
	Interest	729.17	732.05	734.96	737.89	740.84	743.82	746.81	749.83	752.86	755.92	759.01	762.11
	Pension	333.17	333.17	333.17	333.17	333.17	333.17	333.17	333.17	333.17	333.17	333.17	333.17
	Carry Over	100396.00	100794.88	101196.67	101601.39	102009.06	102419.71	102833.35	103250.01	103669.70	104092.45	104518.29	104947.23
	Retn=4.00% First year clo.bal.=104947.23
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	104947.23	105345.98	105747.64	106152.23	106559.77	106970.28	107383.78	107800.30	108219.85	108642.46	109068.15	109496.95
	Interest	765.24	768.15	771.08	774.03	777.00	779.99	783.01	786.04	789.10	792.18	795.29	798.42
	Pension	366.49	366.49	366.49	366.49	366.49	366.49	366.49	366.49	366.49	366.49	366.49	366.49
	Carry Over	105345.98	105747.64	106152.23	106559.77	106970.28	107383.78	107800.30	108219.85	108642.46	109068.15	109496.95	109928.88
	Retn=4.40% Second year clo.bal.=109928.88
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109928.88	110327.30	110728.63	111132.89	111540.09	111950.26	112363.42	112779.60	113198.81	113621.08	114046.43	114474.88
	Interest	801.56	804.47	807.40	810.34	813.31	816.30	819.32	822.35	825.41	828.49	831.59	834.71
	Pension	403.14	403.14	403.14	403.14	403.14	403.14	403.14	403.14	403.14	403.14	403.14	403.14
	Carry Over	110327.30	110728.63	111132.89	111540.09	111950.26	112363.42	112779.60	113198.81	113621.08	114046.43	114474.88	114906.45
	Retn=4.84% Third year clo.bal.=114906.45
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	114906.45	115300.86	115698.15	116098.33	116501.43	116907.47	117316.47	117728.45	118143.44	118561.45	118982.51	119406.64
	Interest	837.86	840.74	843.63	846.55	849.49	852.45	855.43	858.44	861.46	864.51	867.58	870.67
	Pension	443.45	443.45	443.45	443.45	443.45	443.45	443.45	443.45	443.45	443.45	443.45	443.45
	Carry Over	115300.86	115698.15	116098.33	116501.43	116907.47	117316.47	117728.45	118143.44	118561.45	118982.51	119406.64	119833.86
	Retn=5.32% Fourth year clo.bal.=119833.86
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	119833.86	120219.85	120608.65	121000.29	121394.78	121792.15	122192.42	122595.61	123001.74	123410.83	123822.90	124237.98
	Interest	873.79	876.60	879.44	882.29	885.17	888.07	890.99	893.93	896.89	899.87	902.88	905.90
	Pension	487.80	487.80	487.80	487.80	487.80	487.80	487.80	487.80	487.80	487.80	487.80	487.80
	Carry Over	120219.85	120608.65	121000.29	121394.78	121792.15	122192.42	122595.61	123001.74	123410.83	123822.90	124237.98	124656.08
	Retn=5.85% Fifth year clo.bal.=124656.08
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	124656.08	125028.45	125403.54	125781.36	126161.94	126545.29	126931.44	127320.40	127712.20	128106.85	128504.38	128904.81
	Interest	908.95	911.67	914.40	917.16	919.93	922.73	925.54	928.38	931.23	934.11	937.01	939.93
	Pension	536.58	536.58	536.58	536.58	536.58	536.58	536.58	536.58	536.58	536.58	536.58	536.58
	Carry Over	125028.45	125403.54	125781.36	126161.94	126545.29	126931.44	127320.40	127712.20	128106.85	128504.38	128904.81	129308.16
	Retn=6.44% Sixth year clo.bal.=129308.16
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	129308.16	129660.79	130015.99	130373.78	130734.18	131097.21	131462.89	131831.23	132202.26	132575.99	132952.45	133331.65
	Interest	942.87	945.44	948.03	950.64	953.27	955.92	958.58	961.27	963.97	966.70	969.44	972.21
	Pension	590.24	590.24	590.24	590.24	590.24	590.24	590.24	590.24	590.24	590.24	590.24	590.24
	Carry Over	129660.79	130015.99	130373.78	130734.18	131097.21	131462.89	131831.23	132202.26	132575.99	132952.45	133331.65	133713.62
	Retn=7.08% Seventh year clo.bal.=133713.62
(40) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 15 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 0 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	133713.62	134039.36	134367.47	134697.97	135030.88	135366.22	135704.01	136044.26	136386.99	136732.22	137079.97	137430.25
	Interest	975.00	977.37	979.76	982.17	984.60	987.05	989.51	991.99	994.49	997.01	999.54	1002.10
	Pension	649.26	649.26	649.26	649.26	649.26	649.26	649.26	649.26	649.26	649.26	649.26	649.26
	Carry Over	134039.36	134367.47	134697.97	135030.88	135366.22	135704.01	136044.26	136386.99	136732.22	137079.97	137430.25	137783.09
	Retn=7.79% Eighth year clo.bal.=137783.09
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137783.09	138073.57	138366.17	138660.90	138957.78	139256.82	139558.04	139861.46	140167.09	140474.95	140785.06	141097.43
	Interest	1004.67	1006.79	1008.92	1011.07	1013.23	1015.41	1017.61	1019.82	1022.05	1024.30	1026.56	1028.84
	Pension	714.19	714.19	714.19	714.19	714.19	714.19	714.19	714.19	714.19	714.19	714.19	714.19
	Carry Over	138073.57	138366.17	138660.90	138957.78	139256.82	139558.04	139861.46	140167.09	140474.95	140785.06	141097.43	141412.08
	Retn=8.57% Nineth year clo.bal.=141412.08
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	141412.08	141657.60	141904.91	142154.02	142404.95	142657.71	142912.31	143168.77	143427.10	143687.31	143949.42	144213.44
	Interest	1031.13	1032.92	1034.72	1036.54	1038.37	1040.21	1042.07	1043.94	1045.82	1047.72	1049.63	1051.56
	Pension	785.61	785.61	785.61	785.61	785.61	785.61	785.61	785.61	785.61	785.61	785.61	785.61
	Carry Over	141657.60	141904.91	142154.02	142404.95	142657.71	142912.31	143168.77	143427.10	143687.31	143949.42	144213.44	144479.39
	Retn=9.43% Tenth year clo.bal.=144479.39
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	144479.39	144668.72	144859.43	145051.53	145245.03	145439.94	145636.27	145834.03	146033.23	146233.89	146436.01	146639.60
	Interest	1053.50	1054.88	1056.27	1057.67	1059.08	1060.50	1061.93	1063.37	1064.83	1066.29	1067.76	1069.25
	Pension	864.17	864.17	864.17	864.17	864.17	864.17	864.17	864.17	864.17	864.17	864.17	864.17
	Carry Over	144668.72	144859.43	145051.53	145245.03	145439.94	145636.27	145834.03	146033.23	146233.89	146436.01	146639.60	146844.68
	Retn=10.37% Eleventh year clo.bal.=146844.68
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	146844.68	146964.83	147085.86	147207.77	147330.57	147454.27	147578.87	147704.38	147830.80	147958.14	148086.41	148215.62
	Interest	1070.74	1071.62	1072.50	1073.39	1074.29	1075.19	1076.10	1077.01	1077.93	1078.86	1079.80	1080.74
	Pension	950.59	950.59	950.59	950.59	950.59	950.59	950.59	950.59	950.59	950.59	950.59	950.59
	Carry Over	146964.83	147085.86	147207.77	147330.57	147454.27	147578.87	147704.38	147830.80	147958.14	148086.41	148215.62	148345.77
	Retn=11.41% Twelth year clo.bal.=148345.77
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148345.77	148381.81	148418.11	148454.68	148491.51	148528.61	148565.98	148603.62	148641.54	148679.73	148718.20	148756.95
	Interest	1081.69	1081.95	1082.22	1082.48	1082.75	1083.02	1083.29	1083.57	1083.84	1084.12	1084.40	1084.69
	Pension	1045.65	1045.65	1045.65	1045.65	1045.65	1045.65	1045.65	1045.65	1045.65	1045.65	1045.65	1045.65
	Carry Over	148381.81	148418.11	148454.68	148491.51	148528.61	148565.98	148603.62	148641.54	148679.73	148718.20	148756.95	148795.99
	Retn=12.55% Thirteenth year clo.bal.=148795.99
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148795.99	148730.74	148665.01	148598.81	148532.12	148464.95	148397.29	148329.13	148260.48	148191.33	148121.67	148051.50
	Interest	1084.97	1084.49	1084.02	1083.53	1083.05	1082.56	1082.06	1081.57	1081.07	1080.56	1080.05	1079.54
	Pension	1150.22	1150.22	1150.22	1150.22	1150.22	1150.22	1150.22	1150.22	1150.22	1150.22	1150.22	1150.22
	Carry Over	148730.74	148665.01	148598.81	148532.12	148464.95	148397.29	148329.13	148260.48	148191.33	148121.67	148051.50	147980.82
	Retn=13.80% Fourteenth year clo.bal.=147980.82
(41) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 15 of 24Interest at 8.75% p.a. For Term 20 years Moratorium 0 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	147980.82	147794.61	147607.04	147418.10	147227.78	147036.08	146842.98	146648.47	146452.54	146255.18	146056.38	145856.13
	Interest	1079.03	1077.67	1076.30	1074.92	1073.54	1072.14	1070.73	1069.31	1067.88	1066.44	1064.99	1063.53
	Pension	1265.24	1265.24	1265.24	1265.24	1265.24	1265.24	1265.24	1265.24	1265.24	1265.24	1265.24	1265.24
	Carry Over	147794.61	147607.04	147418.10	147227.78	147036.08	146842.98	146648.47	146452.54	146255.18	146056.38	145856.13	145654.42
	Retn=15.18% Fifteenth year clo.bal.=145654.42
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	145654.42	145324.72	144992.62	144658.10	144321.14	143981.72	143639.83	143295.44	142948.54	142599.11	142247.14	141892.60
	Interest	1062.06	1059.66	1057.24	1054.80	1052.34	1049.87	1047.37	1044.86	1042.33	1039.79	1037.22	1034.63
	Pension	1391.76	1391.76	1391.76	1391.76	1391.76	1391.76	1391.76	1391.76	1391.76	1391.76	1391.76	1391.76
	Carry Over	145324.72	144992.62	144658.10	144321.14	143981.72	143639.83	143295.44	142948.54	142599.11	142247.14	141892.60	141535.47
	Retn=16.70% Sixteenth year clo.bal.=141535.47
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	141535.47	141036.56	140534.01	140027.80	139517.90	139004.28	138486.91	137965.77	137440.83	136912.06	136379.44	135842.93
	Interest	1032.03	1028.39	1024.73	1021.04	1017.32	1013.57	1009.80	1006.00	1002.17	998.32	994.43	990.52
	Pension	1530.94	1530.94	1530.94	1530.94	1530.94	1530.94	1530.94	1530.94	1530.94	1530.94	1530.94	1530.94
	Carry Over	141036.56	140534.01	140027.80	139517.90	139004.28	138486.91	137965.77	137440.83	136912.06	136379.44	135842.93	135302.51
	Retn=18.37% Seventeenth year clo.bal.=135302.51
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	135302.51	134605.06	133902.53	133194.87	132482.05	131764.03	131040.78	130312.26	129578.42	128839.23	128094.65	127344.64
	Interest	986.58	981.50	976.37	971.21	966.01	960.78	955.51	950.19	944.84	939.45	934.02	928.55
	Pension	1684.03	1684.03	1684.03	1684.03	1684.03	1684.03	1684.03	1684.03	1684.03	1684.03	1684.03	1684.03
	Carry Over	134605.06	133902.53	133194.87	132482.05	131764.03	131040.78	130312.26	129578.42	128839.23	128094.65	127344.64	126589.16
	Retn=20.21% Eighteenth year clo.bal.=126589.16
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	126589.16	125659.78	124723.62	123780.63	122830.77	121873.98	120910.21	119939.42	118961.55	117976.55	116984.37	115984.95
	Interest	923.05	916.27	909.44	902.57	895.64	888.66	881.64	874.56	867.43	860.25	853.01	845.72
	Pension	1852.43	1852.43	1852.43	1852.43	1852.43	1852.43	1852.43	1852.43	1852.43	1852.43	1852.43	1852.43
	Carry Over	125659.78	124723.62	123780.63	122830.77	121873.98	120910.21	119939.42	118961.55	117976.55	116984.37	115984.95	114978.24
	Retn=22.23% Nineteenth year clo.bal.=114978.24
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	114978.24	113778.95	112570.92	111354.08	110128.37	108893.72	107650.07	106397.35	105135.49	103864.43	102584.10	101294.44
	Interest	838.38	829.64	820.83	811.96	803.02	794.02	784.95	775.81	766.61	757.34	748.01	738.61
	Pension	2037.67	2037.67	2037.67	2037.67	2037.67	2037.67	2037.67	2037.67	2037.67	2037.67	2037.67	2033.05
	Carry Over	113778.95	112570.92	111354.08	110128.37	108893.72	107650.07	106397.35	105135.49	103864.43	102584.10	101294.44	100000.00
	Retn=24.45% Twentieth year clo.bal.=100000.00

(42) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 16 of 24Interest at 8.75% p.a. For Term 10 years Moratorium 60 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74
	Interest	729.17	734.48	739.84	745.23	750.67	756.14	761.65	767.21	772.80	778.44	784.11	789.83
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74	109109.57
	Retn=0.00% First year clo.bal.=109109.57
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109109.57	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21
	Interest	795.59	801.39	807.24	813.12	819.05	825.02	831.04	837.10	843.20	849.35	855.54	861.78
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21	119048.99
	Retn=0.00% Second year clo.bal.=119048.99
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	119048.99	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	125260.00	126173.35	127093.36	128020.08	128953.56
	Interest	868.07	874.40	880.77	887.19	893.66	900.18	906.74	913.35	920.01	926.72	933.48	940.29
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	125260.00	126173.35	127093.36	128020.08	128953.56	129893.85
	Retn=0.00% Third year clo.bal.=129893.85
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	129893.85	130840.99	131795.04	132756.05	133724.06	134699.13	135681.31	136670.65	137667.21	138671.03	139682.17	140700.69
	Interest	947.14	954.05	961.01	968.01	975.07	982.18	989.34	996.56	1003.82	1011.14	1018.52	1025.94
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	130840.99	131795.04	132756.05	133724.06	134699.13	135681.31	136670.65	137667.21	138671.03	139682.17	140700.69	141726.63
	Retn=0.00% Fourth year clo.bal.=141726.63
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	141726.63	142760.05	143801.01	144849.56	145905.75	146969.65	148041.30	149120.77	150208.11	151303.38	152406.63	153517.93
	Interest	1033.42	1040.96	1048.55	1056.19	1063.90	1071.65	1079.47	1087.34	1095.27	1103.25	1111.30	1119.40
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	142760.05	143801.01	144849.56	145905.75	146969.65	148041.30	149120.77	150208.11	151303.38	152406.63	153517.93	154637.33
	Retn=0.00% Fifth year clo.bal.=154637.33
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	154637.33	154218.82	153797.26	153372.63	152944.90	152514.05	152080.06	151642.91	151202.57	150759.02	150312.23	149862.19
	Interest	1127.56	1124.51	1121.44	1118.34	1115.22	1112.08	1108.92	1105.73	1102.52	1099.28	1096.03	1092.75
	Pension	1546.07	1546.07	1546.07	1546.07	1546.07	1546.07	1546.07	1546.07	1546.07	1546.07	1546.07	1546.07
	Carry Over	154218.82	153797.26	153372.63	152944.90	152514.05	152080.06	151642.91	151202.57	150759.02	150312.23	149862.19	149408.87
	Retn=18.55% Sixth year clo.bal.=149408.87
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	149408.87	148797.63	148181.93	147561.74	146937.03	146307.77	145673.92	145035.45	144392.32	143744.50	143091.96	142434.66
	Interest	1089.44	1084.98	1080.49	1075.97	1071.42	1066.83	1062.21	1057.55	1052.86	1048.14	1043.38	1038.59
	Pension	1700.68	1700.68	1700.68	1700.68	1700.68	1700.68	1700.68	1700.68	1700.68	1700.68	1700.68	1700.68
	Carry Over	148797.63	148181.93	147561.74	146937.03	146307.77	145673.92	145035.45	144392.32	143744.50	143091.96	142434.66	141772.57
	Retn=20.41% Seventh year clo.bal.=141772.57
(43) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 16 of 24Interest at 8.75% p.a. For Term 10 years Moratorium 60 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	141772.57	140935.58	140092.49	139243.25	138387.82	137526.15	136658.19	135783.91	134903.25	134016.17	133122.62	132222.56
	Interest	1033.76	1027.66	1021.51	1015.32	1009.08	1002.79	996.47	990.09	983.67	977.20	970.69	964.12
	Pension	1870.75	1870.75	1870.75	1870.75	1870.75	1870.75	1870.75	1870.75	1870.75	1870.75	1870.75	1870.75
	Carry Over	140935.58	140092.49	139243.25	138387.82	137526.15	136658.19	135783.91	134903.25	134016.17	133122.62	132222.56	131315.93
	Retn=22.45% Eighth year clo.bal.=131315.93
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	131315.93	130215.61	129107.27	127990.85	126866.29	125733.53	124592.51	123443.17	122285.45	121119.28	119944.61	118761.38
	Interest	957.51	949.49	941.41	933.27	925.07	916.81	908.49	900.11	891.66	883.16	874.60	865.97
	Pension	2057.83	2057.83	2057.83	2057.83	2057.83	2057.83	2057.83	2057.83	2057.83	2057.83	2057.83	2057.83
	Carry Over	130215.61	129107.27	127990.85	126866.29	125733.53	124592.51	123443.17	122285.45	121119.28	119944.61	118761.38	117569.52
	Retn=24.69% Nineth year clo.bal.=117569.52
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	117569.52	116163.19	114746.60	113319.68	111882.36	110434.56	108976.20	107507.21	106027.51	104537.02	103035.66	101523.35
	Interest	857.28	847.02	836.69	826.29	815.81	805.25	794.62	783.91	773.12	762.25	751.30	740.27
	Pension	2263.61	2263.61	2263.61	2263.61	2263.61	2263.61	2263.61	2263.61	2263.61	2263.61	2263.61	2263.62
	Carry Over	116163.19	114746.60	113319.68	111882.36	110434.56	108976.20	107507.21	106027.51	104537.02	103035.66	101523.35	100000.00
	Retn=27.16% Tenth year clo.bal.=100000.00

(44) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 17 of 24Interest at 8.75% p.a. For Term 10 years Moratorium 30 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74
	Interest	729.17	734.48	739.84	745.23	750.67	756.14	761.65	767.21	772.80	778.44	784.11	789.83
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100729.17	101463.65	102203.49	102948.72	103699.39	104455.53	105217.18	105984.39	106757.19	107535.63	108319.74	109109.57
	Retn=0.00% First year clo.bal.=109109.57
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109109.57	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21
	Interest	795.59	801.39	807.24	813.12	819.05	825.02	831.04	837.10	843.20	849.35	855.54	861.78
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109905.16	110706.55	111513.79	112326.91	113145.96	113970.98	114802.02	115639.12	116482.32	117331.67	118187.21	119048.99
	Retn=0.00% Second year clo.bal.=119048.99
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	119048.99	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	124476.56	124600.76	124725.87	124851.89	124978.83
	Interest	868.07	874.40	880.77	887.19	893.66	900.18	906.74	907.64	908.55	909.46	910.38	911.30
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	783.44	783.44	783.44	783.44	783.44	783.44
	Carry Over	119917.06	120791.46	121672.23	122559.42	123453.08	124353.26	124476.56	124600.76	124725.87	124851.89	124978.83	125106.69
	Retn=4.70% Third year clo.bal.=125106.69
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	125106.69	125157.15	125207.97	125259.16	125310.73	125362.67	125414.99	125467.69	125520.78	125574.26	125628.13	125682.39
	Interest	912.24	912.60	912.97	913.35	913.72	914.10	914.48	914.87	915.26	915.65	916.04	916.43
	Pension	861.78	861.78	861.78	861.78	861.78	861.78	861.78	861.78	861.78	861.78	861.78	861.78
	Carry Over	125157.15	125207.97	125259.16	125310.73	125362.67	125414.99	125467.69	125520.78	125574.26	125628.13	125682.39	125737.04
	Retn=10.34% Fourth year clo.bal.=125737.04
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	125737.04	125705.91	125674.56	125642.98	125611.17	125579.12	125546.84	125514.33	125481.58	125448.59	125415.36	125381.89
	Interest	916.83	916.61	916.38	916.15	915.91	915.68	915.45	915.21	914.97	914.73	914.49	914.24
	Pension	947.96	947.96	947.96	947.96	947.96	947.96	947.96	947.96	947.96	947.96	947.96	947.96
	Carry Over	125705.91	125674.56	125642.98	125611.17	125579.12	125546.84	125514.33	125481.58	125448.59	125415.36	125381.89	125348.17
	Retn=11.38% Fifth year clo.bal.=125348.17
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	125348.17	125219.41	125089.71	124959.06	124827.46	124694.90	124561.37	124426.87	124291.39	124154.92	124017.46	123878.99
	Interest	914.00	913.06	912.11	911.16	910.20	909.23	908.26	907.28	906.29	905.30	904.29	903.28
	Pension	1042.76	1042.76	1042.76	1042.76	1042.76	1042.76	1042.76	1042.76	1042.76	1042.76	1042.76	1042.76
	Carry Over	125219.41	125089.71	124959.06	124827.46	124694.90	124561.37	124426.87	124291.39	124154.92	124017.46	123878.99	123739.51
	Retn=12.51% Sixth year clo.bal.=123739.51
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	123739.51	123494.74	123248.18	122999.82	122749.65	122497.66	122243.83	121988.15	121730.61	121471.19	121209.88	120946.66
	Interest	902.27	900.48	898.68	896.87	895.05	893.21	891.36	889.50	887.62	885.73	883.82	881.90
	Pension	1147.04	1147.04	1147.04	1147.04	1147.04	1147.04	1147.04	1147.04	1147.04	1147.04	1147.04	1147.04
	Carry Over	123494.74	123248.18	122999.82	122749.65	122497.66	122243.83	121988.15	121730.61	121471.19	121209.88	120946.66	120681.52
	Retn=13.76% Seventh year clo.bal.=120681.52
(45) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 17 of 24Interest at 8.75% p.a. For Term 10 years Moratorium 30 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	120681.52	120299.75	119915.20	119527.84	119137.66	118744.63	118348.74	117949.96	117548.27	117143.65	116736.08	116325.54
	Interest	879.97	877.19	874.38	871.56	868.71	865.85	862.96	860.05	857.12	854.17	851.20	848.21
	Pension	1261.74	1261.74	1261.74	1261.74	1261.74	1261.74	1261.74	1261.74	1261.74	1261.74	1261.74	1261.74
	Carry Over	120299.75	119915.20	119527.84	119137.66	118744.63	118348.74	117949.96	117548.27	117143.65	116736.08	116325.54	115912.01
	Retn=15.14% Eighth year clo.bal.=115912.01
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	115912.01	115369.29	114822.61	114271.95	113717.27	113158.55	112595.75	112028.85	111457.82	110882.62	110303.23	109719.61
	Interest	845.19	841.23	837.25	833.23	829.19	825.11	821.01	816.88	812.71	808.52	804.29	800.04
	Pension	1387.91	1387.91	1387.91	1387.91	1387.91	1387.91	1387.91	1387.91	1387.91	1387.91	1387.91	1387.91
	Carry Over	115369.29	114822.61	114271.95	113717.27	113158.55	112595.75	112028.85	111457.82	110882.62	110303.23	109719.61	109131.74
	Retn=16.65% Nineth year clo.bal.=109131.74
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109131.74	108400.79	107664.51	106922.86	106175.81	105423.31	104665.32	103901.80	103132.72	102358.03	101577.69	100791.66
	Interest	795.75	790.42	785.05	779.65	774.20	768.71	763.18	757.62	752.01	746.36	740.67	734.94
	Pension	1526.70	1526.70	1526.70	1526.70	1526.70	1526.70	1526.70	1526.70	1526.70	1526.70	1526.70	1526.60
	Carry Over	108400.79	107664.51	106922.86	106175.81	105423.31	104665.32	103901.80	103132.72	102358.03	101577.69	100791.66	100000.00
	Retn=18.32% Tenth year clo.bal.=100000.00

(46) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 18 of 24Interest at 8.75% p.a. For Term 10 years Moratorium 0 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100239.42	100480.58	100723.50	100968.19	101214.67	101462.94	101713.02	101964.93	102218.67	102474.26	102731.72
	Interest	729.17	730.91	732.67	734.44	736.23	738.02	739.83	741.66	743.49	745.34	747.21	749.09
	Pension	489.75	489.75	489.75	489.75	489.75	489.75	489.75	489.75	489.75	489.75	489.75	489.75
	Carry Over	100239.42	100480.58	100723.50	100968.19	101214.67	101462.94	101713.02	101964.93	102218.67	102474.26	102731.72	102991.06
	Retn=5.88% First year clo.bal.=102991.06
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	102991.06	103203.31	103417.10	103632.45	103849.37	104067.87	104287.97	104509.67	104732.99	104957.94	105184.53	105412.77
	Interest	750.98	752.52	754.08	755.65	757.23	758.83	760.43	762.05	763.68	765.32	766.97	768.63
	Pension	538.73	538.73	538.73	538.73	538.73	538.73	538.73	538.73	538.73	538.73	538.73	538.73
	Carry Over	103203.31	103417.10	103632.45	103849.37	104067.87	104287.97	104509.67	104732.99	104957.94	105184.53	105412.77	105642.67
	Retn=6.46% Second year clo.bal.=105642.67
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	105642.67	105820.38	105999.39	106179.70	106361.33	106544.28	106728.57	106914.20	107101.18	107289.53	107479.25	107670.35
	Interest	770.31	771.61	772.91	774.23	775.55	776.89	778.23	779.58	780.95	782.32	783.70	785.10
	Pension	592.60	592.60	592.60	592.60	592.60	592.60	592.60	592.60	592.60	592.60	592.60	592.60
	Carry Over	105820.38	105999.39	106179.70	106361.33	106544.28	106728.57	106914.20	107101.18	107289.53	107479.25	107670.35	107862.85
	Retn=7.11% Third year clo.bal.=107862.85
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	107862.85	107997.49	108133.11	108269.72	108407.33	108545.94	108685.56	108826.20	108967.86	109110.56	109254.30	109399.09
	Interest	786.50	787.48	788.47	789.47	790.47	791.48	792.50	793.52	794.56	795.60	796.65	797.70
	Pension	651.86	651.86	651.86	651.86	651.86	651.86	651.86	651.86	651.86	651.86	651.86	651.86
	Carry Over	107997.49	108133.11	108269.72	108407.33	108545.94	108685.56	108826.20	108967.86	109110.56	109254.30	109399.09	109544.93
	Retn=7.82% Fourth year clo.bal.=109544.93
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109544.93	109626.65	109708.96	109791.87	109875.39	109959.51	110044.25	110129.61	110215.59	110302.20	110389.44	110477.31
	Interest	798.77	799.36	799.96	800.57	801.17	801.79	802.41	803.03	803.66	804.29	804.92	805.56
	Pension	717.05	717.05	717.05	717.05	717.05	717.05	717.05	717.05	717.05	717.05	717.05	717.05
	Carry Over	109626.65	109708.96	109791.87	109875.39	109959.51	110044.25	110129.61	110215.59	110302.20	110389.44	110477.31	110565.82
	Retn=8.60% Fifth year clo.bal.=110565.82
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110565.82	110583.27	110600.85	110618.55	110636.38	110654.34	110672.43	110690.66	110709.02	110727.51	110746.14	110764.90
	Interest	806.21	806.34	806.46	806.59	806.72	806.85	806.99	807.12	807.25	807.39	807.52	807.66
	Pension	788.76	788.76	788.76	788.76	788.76	788.76	788.76	788.76	788.76	788.76	788.76	788.76
	Carry Over	110583.27	110600.85	110618.55	110636.38	110654.34	110672.43	110690.66	110709.02	110727.51	110746.14	110764.90	110783.80
	Retn=9.47% Sixth year clo.bal.=110783.80
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110783.80	110723.96	110663.68	110602.96	110541.80	110480.19	110418.13	110355.62	110292.66	110229.24	110165.35	110101.00
	Interest	807.80	807.36	806.92	806.48	806.03	805.58	805.13	804.68	804.22	803.75	803.29	802.82
	Pension	867.64	867.64	867.64	867.64	867.64	867.64	867.64	867.64	867.64	867.64	867.64	867.64
	Carry Over	110723.96	110663.68	110602.96	110541.80	110480.19	110418.13	110355.62	110292.66	110229.24	110165.35	110101.00	110036.18
	Retn=10.41% Seventh year clo.bal.=110036.18
(47) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 18 of 24Interest at 8.75% p.a. For Term 10 years Moratorium 0 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	110036.18	109884.13	109730.97	109576.69	109421.29	109264.75	109107.07	108948.24	108788.25	108627.10	108464.77	108301.26
	Interest	802.35	801.24	800.12	799.00	797.86	796.72	795.57	794.41	793.25	792.07	790.89	789.70
	Pension	954.40	954.40	954.40	954.40	954.40	954.40	954.40	954.40	954.40	954.40	954.40	954.40
	Carry Over	109884.13	109730.97	109576.69	109421.29	109264.75	109107.07	108948.24	108788.25	108627.10	108464.77	108301.26	108136.56
	Retn=11.45% Eighth year clo.bal.=108136.56
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108136.56	107875.22	107611.97	107346.80	107079.70	106810.65	106539.64	106266.65	105991.67	105714.69	105435.69	105154.65
	Interest	788.50	786.59	784.67	782.74	780.79	778.83	776.85	774.86	772.86	770.84	768.80	766.75
	Pension	1049.84	1049.84	1049.84	1049.84	1049.84	1049.84	1049.84	1049.84	1049.84	1049.84	1049.84	1049.84
	Carry Over	107875.22	107611.97	107346.80	107079.70	106810.65	106539.64	106266.65	105991.67	105714.69	105435.69	105154.65	104871.56
	Retn=12.60% Nineth year clo.bal.=104871.56
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	104871.56	104481.43	104088.45	103692.61	103293.88	102892.24	102487.68	102080.17	101669.68	101256.20	100839.71	100420.18
	Interest	764.69	761.84	758.98	756.09	753.18	750.26	747.31	744.33	741.34	738.33	735.29	732.23
	Pension	1154.82	1154.82	1154.82	1154.82	1154.82	1154.82	1154.82	1154.82	1154.82	1154.82	1154.82	1152.41
	Carry Over	104481.43	104088.45	103692.61	103293.88	102892.24	102487.68	102080.17	101669.68	101256.20	100839.71	100420.18	100000.00
	Retn=13.86% Tenth year clo.bal.=100000.00

(48) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 19 of 24Interest at 8% p.a. For Term 20 years Moratorium 120 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74
	Interest	666.67	671.11	675.59	680.09	684.62	689.19	693.78	698.41	703.06	707.75	712.47	717.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74	108299.96
	Retn=0.00% First year clo.bal.=108299.96
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108299.96	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06
	Interest	722.00	726.81	731.66	736.54	741.45	746.39	751.37	756.37	761.42	766.49	771.60	776.75
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06	117288.81
	Retn=0.00% Second year clo.bal.=117288.81
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	117288.81	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52
	Interest	781.93	787.14	792.39	797.67	802.99	808.34	813.73	819.15	824.61	830.11	835.65	841.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52	127023.74
	Retn=0.00% Third year clo.bal.=127023.74
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127023.74	127870.56	128723.03	129581.18	130445.05	131314.68	132190.11	133071.38	133958.52	134851.58	135750.59	136655.59
	Interest	846.82	852.47	858.15	863.87	869.63	875.43	881.27	887.14	893.06	899.01	905.00	911.04
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	127870.56	128723.03	129581.18	130445.05	131314.68	132190.11	133071.38	133958.52	134851.58	135750.59	136655.59	137566.63
	Retn=0.00% Fourth year clo.bal.=137566.63
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137566.63	138483.74	139406.96	140336.34	141271.92	142213.73	143161.82	144116.23	145077.00	146044.18	147017.81	147997.93
	Interest	917.11	923.22	929.38	935.58	941.81	948.09	954.41	960.77	967.18	973.63	980.12	986.65
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	138483.74	139406.96	140336.34	141271.92	142213.73	143161.82	144116.23	145077.00	146044.18	147017.81	147997.93	148984.58
	Retn=0.00% Fifth year clo.bal.=148984.58
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148984.58	149977.81	150977.66	151984.18	152997.41	154017.39	155044.17	156077.80	157118.32	158165.78	159220.22	160281.69
	Interest	993.23	999.85	1006.52	1013.23	1019.98	1026.78	1033.63	1040.52	1047.46	1054.44	1061.47	1068.54
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	149977.81	150977.66	151984.18	152997.41	154017.39	155044.17	156077.80	157118.32	158165.78	159220.22	160281.69	161350.23
	Retn=0.00% Sixth year clo.bal.=161350.23
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	161350.23	162425.90	163508.74	164598.80	165696.13	166800.77	167912.78	169032.20	170159.08	171293.47	172435.43	173585.00
	Interest	1075.67	1082.84	1090.06	1097.33	1104.64	1112.01	1119.42	1126.88	1134.39	1141.96	1149.57	1157.23
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	162425.90	163508.74	164598.80	165696.13	166800.77	167912.78	169032.20	170159.08	171293.47	172435.43	173585.00	174742.23
	Retn=0.00% Seventh year clo.bal.=174742.23
(49) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 19 of 24Interest at 8% p.a. For Term 20 years Moratorium 120 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	174742.23	175907.18	177079.89	178260.42	179448.82	180645.15	181849.45	183061.78	184282.19	185510.74	186747.48	187992.46
	Interest	1164.95	1172.71	1180.53	1188.40	1196.33	1204.30	1212.33	1220.41	1228.55	1236.74	1244.98	1253.28
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	175907.18	177079.89	178260.42	179448.82	180645.15	181849.45	183061.78	184282.19	185510.74	186747.48	187992.46	189245.74
	Retn=0.00% Eighth year clo.bal.=189245.74
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	189245.74	190507.38	191777.43	193055.95	194342.99	195638.61	196942.87	198255.82	199577.53	200908.05	202247.44	203595.76
	Interest	1261.64	1270.05	1278.52	1287.04	1295.62	1304.26	1312.95	1321.71	1330.52	1339.39	1348.32	1357.31
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	190507.38	191777.43	193055.95	194342.99	195638.61	196942.87	198255.82	199577.53	200908.05	202247.44	203595.76	204953.07
	Retn=0.00% Nineth year clo.bal.=204953.07
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	204953.07	206319.42	207694.88	209079.51	210473.37	211876.53	213289.04	214710.97	216142.38	217583.33	219033.89	220494.12
	Interest	1366.35	1375.46	1384.63	1393.86	1403.16	1412.51	1421.93	1431.41	1440.95	1450.56	1460.23	1469.96
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	206319.42	207694.88	209079.51	210473.37	211876.53	213289.04	214710.97	216142.38	217583.33	219033.89	220494.12	221964.08
	Retn=0.00% Tenth year clo.bal.=221964.08
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	221964.08	222010.52	222057.27	222104.33	222151.71	222199.40	222247.41	222295.74	222344.39	222393.37	222442.67	222492.30
	Interest	1479.76	1480.07	1480.38	1480.70	1481.01	1481.33	1481.65	1481.97	1482.30	1482.62	1482.95	1483.28
	Pension	1433.32	1433.32	1433.32	1433.32	1433.32	1433.32	1433.32	1433.32	1433.32	1433.32	1433.32	1433.32
	Carry Over	222010.52	222057.27	222104.33	222151.71	222199.40	222247.41	222295.74	222344.39	222393.37	222442.67	222492.30	222542.26
	Retn=17.20% Eleventh year clo.bal.=222542.26
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	222542.26	222449.23	222355.57	222261.29	222166.38	222070.84	221974.66	221877.84	221780.38	221682.27	221583.50	221484.07
	Interest	1483.62	1482.99	1482.37	1481.74	1481.11	1480.47	1479.83	1479.19	1478.54	1477.88	1477.22	1476.56
	Pension	1576.65	1576.65	1576.65	1576.65	1576.65	1576.65	1576.65	1576.65	1576.65	1576.65	1576.65	1576.65
	Carry Over	222449.23	222355.57	222261.29	222166.38	222070.84	221974.66	221877.84	221780.38	221682.27	221583.50	221484.07	221383.98
	Retn=18.92% Twelth year clo.bal.=221383.98
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	221383.98	221125.55	220865.40	220603.52	220339.89	220074.50	219807.34	219538.40	219267.67	218995.13	218720.78	218444.60
	Interest	1475.89	1474.17	1472.44	1470.69	1468.93	1467.16	1465.38	1463.59	1461.78	1459.97	1458.14	1456.30
	Pension	1734.32	1734.32	1734.32	1734.32	1734.32	1734.32	1734.32	1734.32	1734.32	1734.32	1734.32	1734.32
	Carry Over	221125.55	220865.40	220603.52	220339.89	220074.50	219807.34	219538.40	219267.67	218995.13	218720.78	218444.60	218166.58
	Retn=20.81% Thirteenth year clo.bal.=218166.58
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	218166.58	217713.27	217256.94	216797.57	216335.14	215869.62	215401.00	214929.26	214454.37	213976.32	213495.08	213010.63
	Interest	1454.44	1451.42	1448.38	1445.32	1442.23	1439.13	1436.01	1432.86	1429.70	1426.51	1423.30	1420.07
	Pension	1907.75	1907.75	1907.75	1907.75	1907.75	1907.75	1907.75	1907.75	1907.75	1907.75	1907.75	1907.75
	Carry Over	217713.27	217256.94	216797.57	216335.14	215869.62	215401.00	214929.26	214454.37	213976.32	213495.08	213010.63	212522.95
	Retn=22.89% Fourteenth year clo.bal.=212522.95
(50) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 19 of 24Interest at 8% p.a. For Term 20 years Moratorium 120 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	212522.95	211841.24	211154.98	210464.15	209768.71	209068.64	208363.90	207654.46	206940.29	206221.36	205497.64	204769.09
	Interest	1416.82	1412.27	1407.70	1403.09	1398.46	1393.79	1389.09	1384.36	1379.60	1374.81	1369.98	1365.13
	Pension	2098.53	2098.53	2098.53	2098.53	2098.53	2098.53	2098.53	2098.53	2098.53	2098.53	2098.53	2098.53
	Carry Over	211841.24	211154.98	210464.15	209768.71	209068.64	208363.90	207654.46	206940.29	206221.36	205497.64	204769.09	204035.69
	Retn=25.18% Fifteenth year clo.bal.=204035.69
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	204035.69	203087.55	202133.09	201172.26	200205.03	199231.35	198251.18	197264.47	196271.19	195271.28	194264.71	193251.43
	Interest	1360.24	1353.92	1347.55	1341.15	1334.70	1328.21	1321.67	1315.10	1308.47	1301.81	1295.10	1288.34
	Pension	2308.38	2308.38	2308.38	2308.38	2308.38	2308.38	2308.38	2308.38	2308.38	2308.38	2308.38	2308.38
	Carry Over	203087.55	202133.09	201172.26	200205.03	199231.35	198251.18	197264.47	196271.19	195271.28	194264.71	193251.43	192231.39
	Retn=27.70% Sixteenth year clo.bal.=192231.39
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	192231.39	190973.71	189707.65	188433.15	187150.15	185858.60	184558.44	183249.61	181932.05	180605.71	179270.53	177926.45
	Interest	1281.54	1273.16	1264.72	1256.22	1247.67	1239.06	1230.39	1221.66	1212.88	1204.04	1195.14	1186.18
	Pension	2539.22	2539.22	2539.22	2539.22	2539.22	2539.22	2539.22	2539.22	2539.22	2539.22	2539.22	2539.22
	Carry Over	190973.71	189707.65	188433.15	187150.15	185858.60	184558.44	183249.61	181932.05	180605.71	179270.53	177926.45	176573.41
	Retn=30.47% Seventeenth year clo.bal.=176573.41
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	176573.41	174957.43	173330.67	171693.07	170044.55	168385.04	166714.47	165032.76	163339.84	161635.63	159920.06	158193.05
	Interest	1177.16	1166.38	1155.54	1144.62	1133.63	1122.57	1111.43	1100.22	1088.93	1077.57	1066.13	1054.62
	Pension	2793.14	2793.14	2793.14	2793.14	2793.14	2793.14	2793.14	2793.14	2793.14	2793.14	2793.14	2793.14
	Carry Over	174957.43	173330.67	171693.07	170044.55	168385.04	166714.47	165032.76	163339.84	161635.63	159920.06	158193.05	156454.53
	Retn=33.52% Eighteenth year clo.bal.=156454.53
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	156454.53	154425.11	152382.16	150325.59	148255.31	146171.23	144073.25	141961.29	139835.25	137695.03	135540.55	133371.70
	Interest	1043.03	1029.50	1015.88	1002.17	988.37	974.47	960.49	946.41	932.23	917.97	903.60	889.14
	Pension	3072.45	3072.45	3072.45	3072.45	3072.45	3072.45	3072.45	3072.45	3072.45	3072.45	3072.45	3072.45
	Carry Over	154425.11	152382.16	150325.59	148255.31	146171.23	144073.25	141961.29	139835.25	137695.03	135540.55	133371.70	131188.39
	Retn=36.87% Nineteenth year clo.bal.=131188.39
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	131188.39	128683.28	126161.47	123622.85	121067.30	118494.72	115904.98	113297.98	110673.60	108031.72	105372.23	102695.01
	Interest	874.59	857.89	841.08	824.15	807.12	789.96	772.70	755.32	737.82	720.21	702.48	684.63
	Pension	3379.70	3379.70	3379.70	3379.70	3379.70	3379.70	3379.70	3379.70	3379.70	3379.70	3379.70	3379.64
	Carry Over	128683.28	126161.47	123622.85	121067.30	118494.72	115904.98	113297.98	110673.60	108031.72	105372.23	102695.01	100000.00
	Retn=40.56% Twentieth year clo.bal.=100000.00

(51) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 20 of 24Interest at 8% p.a. For Term 20 years Moratorium 60 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74
	Interest	666.67	671.11	675.59	680.09	684.62	689.19	693.78	698.41	703.06	707.75	712.47	717.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74	108299.96
	Retn=0.00% First year clo.bal.=108299.96
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108299.96	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06
	Interest	722.00	726.81	731.66	736.54	741.45	746.39	751.37	756.37	761.42	766.49	771.60	776.75
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06	117288.81
	Retn=0.00% Second year clo.bal.=117288.81
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	117288.81	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52
	Interest	781.93	787.14	792.39	797.67	802.99	808.34	813.73	819.15	824.61	830.11	835.65	841.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52	127023.74
	Retn=0.00% Third year clo.bal.=127023.74
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127023.74	127870.56	128723.03	129581.18	130445.05	131314.68	132190.11	133071.38	133958.52	134851.58	135750.59	136655.59
	Interest	846.82	852.47	858.15	863.87	869.63	875.43	881.27	887.14	893.06	899.01	905.00	911.04
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	127870.56	128723.03	129581.18	130445.05	131314.68	132190.11	133071.38	133958.52	134851.58	135750.59	136655.59	137566.63
	Retn=0.00% Fourth year clo.bal.=137566.63
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137566.63	138483.74	139406.96	140336.34	141271.92	142213.73	143161.82	144116.23	145077.00	146044.18	147017.81	147997.93
	Interest	917.11	923.22	929.38	935.58	941.81	948.09	954.41	960.77	967.18	973.63	980.12	986.65
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	138483.74	139406.96	140336.34	141271.92	142213.73	143161.82	144116.23	145077.00	146044.18	147017.81	147997.93	148984.58
	Retn=0.00% Fifth year clo.bal.=148984.58
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148984.58	149361.71	149741.35	150123.53	150508.25	150895.54	151285.41	151677.88	152072.97	152470.69	152871.06	153274.10
	Interest	993.23	995.74	998.28	1000.82	1003.39	1005.97	1008.57	1011.19	1013.82	1016.47	1019.14	1021.83
	Pension	616.10	616.10	616.10	616.10	616.10	616.10	616.10	616.10	616.10	616.10	616.10	616.10
	Carry Over	149361.71	149741.35	150123.53	150508.25	150895.54	151285.41	151677.88	152072.97	152470.69	152871.06	153274.10	153679.83
	Retn=7.39% Sixth year clo.bal.=153679.83
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	153679.83	154026.65	154375.78	154727.24	155081.04	155437.20	155795.74	156156.67	156520.00	156885.76	157253.96	157624.61
	Interest	1024.53	1026.84	1029.17	1031.51	1033.87	1036.25	1038.64	1041.04	1043.47	1045.91	1048.36	1050.83
	Pension	677.71	677.71	677.71	677.71	677.71	677.71	677.71	677.71	677.71	677.71	677.71	677.71
	Carry Over	154026.65	154375.78	154727.24	155081.04	155437.20	155795.74	156156.67	156520.00	156885.76	157253.96	157624.61	157997.73
	Retn=8.13% Seventh year clo.bal.=157997.73
(52) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 20 of 24Interest at 8% p.a. For Term 20 years Moratorium 60 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	157997.73	158305.57	158615.46	158927.42	159241.46	159557.59	159875.83	160196.19	160518.68	160843.32	161170.13	161499.12
	Interest	1053.32	1055.37	1057.44	1059.52	1061.61	1063.72	1065.84	1067.97	1070.12	1072.29	1074.47	1076.66
	Pension	745.48	745.48	745.48	745.48	745.48	745.48	745.48	745.48	745.48	745.48	745.48	745.48
	Carry Over	158305.57	158615.46	158927.42	159241.46	159557.59	159875.83	160196.19	160518.68	160843.32	161170.13	161499.12	161830.30
	Retn=8.95% Eighth year clo.bal.=161830.30
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	161830.30	162089.14	162349.70	162612.00	162876.05	163141.86	163409.44	163678.81	163949.97	164222.94	164497.73	164774.35
	Interest	1078.87	1080.59	1082.33	1084.08	1085.84	1087.61	1089.40	1091.19	1093.00	1094.82	1096.65	1098.50
	Pension	820.03	820.03	820.03	820.03	820.03	820.03	820.03	820.03	820.03	820.03	820.03	820.03
	Carry Over	162089.14	162349.70	162612.00	162876.05	163141.86	163409.44	163678.81	163949.97	164222.94	164497.73	164774.35	165052.82
	Retn=9.84% Nineth year clo.bal.=165052.82
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	165052.82	165251.14	165450.78	165651.76	165854.08	166057.74	166262.76	166469.15	166676.91	166886.06	167096.60	167308.55
	Interest	1100.35	1101.67	1103.01	1104.35	1105.69	1107.05	1108.42	1109.79	1111.18	1112.57	1113.98	1115.39
	Pension	902.03	902.03	902.03	902.03	902.03	902.03	902.03	902.03	902.03	902.03	902.03	902.03
	Carry Over	165251.14	165450.78	165651.76	165854.08	166057.74	166262.76	166469.15	166676.91	166886.06	167096.60	167308.55	167521.91
	Retn=10.82% Tenth year clo.bal.=167521.91
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	167521.91	167646.49	167771.90	167898.15	168025.24	168153.18	168281.97	168411.62	168542.13	168673.51	168805.77	168938.91
	Interest	1116.81	1117.64	1118.48	1119.32	1120.17	1121.02	1121.88	1122.74	1123.61	1124.49	1125.37	1126.26
	Pension	992.23	992.23	992.23	992.23	992.23	992.23	992.23	992.23	992.23	992.23	992.23	992.23
	Carry Over	167646.49	167771.90	167898.15	168025.24	168153.18	168281.97	168411.62	168542.13	168673.51	168805.77	168938.91	169072.94
	Retn=11.91% Eleventh year clo.bal.=169072.94
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	169072.94	169108.64	169144.58	169180.76	169217.18	169253.84	169290.75	169327.91	169365.31	169402.96	169440.86	169479.02
	Interest	1127.15	1127.39	1127.63	1127.87	1128.11	1128.36	1128.61	1128.85	1129.10	1129.35	1129.61	1129.86
	Pension	1091.45	1091.45	1091.45	1091.45	1091.45	1091.45	1091.45	1091.45	1091.45	1091.45	1091.45	1091.45
	Carry Over	169108.64	169144.58	169180.76	169217.18	169253.84	169290.75	169327.91	169365.31	169402.96	169440.86	169479.02	169517.43
	Retn=13.10% Twelth year clo.bal.=169517.43
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	169517.43	169446.95	169376.00	169304.57	169232.67	169160.29	169087.43	169014.08	168940.24	168865.91	168791.08	168715.75
	Interest	1130.12	1129.65	1129.17	1128.70	1128.22	1127.74	1127.25	1126.76	1126.27	1125.77	1125.27	1124.77
	Pension	1200.60	1200.60	1200.60	1200.60	1200.60	1200.60	1200.60	1200.60	1200.60	1200.60	1200.60	1200.60
	Carry Over	169446.95	169376.00	169304.57	169232.67	169160.29	169087.43	169014.08	168940.24	168865.91	168791.08	168715.75	168639.92
	Retn=14.41% Thirteenth year clo.bal.=168639.92
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	168639.92	168443.53	168245.83	168046.81	167846.46	167644.78	167441.75	167237.37	167031.63	166824.51	166616.01	166406.12
	Interest	1124.27	1122.96	1121.64	1120.31	1118.98	1117.63	1116.28	1114.92	1113.54	1112.16	1110.77	1109.37
	Pension	1320.66	1320.66	1320.66	1320.66	1320.66	1320.66	1320.66	1320.66	1320.66	1320.66	1320.66	1320.66
	Carry Over	168443.53	168245.83	168046.81	167846.46	167644.78	167441.75	167237.37	167031.63	166824.51	166616.01	166406.12	166194.83
	Retn=15.85% Fourteenth year clo.bal.=166194.83
(53) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 20 of 24Interest at 8% p.a. For Term 20 years Moratorium 60 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	166194.83	165850.07	165503.01	165153.63	164801.92	164447.87	164091.46	163732.67	163371.49	163007.90	162641.89	162273.44
	Interest	1107.97	1105.67	1103.35	1101.02	1098.68	1096.32	1093.94	1091.55	1089.14	1086.72	1084.28	1081.82
	Pension	1452.73	1452.73	1452.73	1452.73	1452.73	1452.73	1452.73	1452.73	1452.73	1452.73	1452.73	1452.73
	Carry Over	165850.07	165503.01	165153.63	164801.92	164447.87	164091.46	163732.67	163371.49	163007.90	162641.89	162273.44	161902.53
	Retn=17.43% Fifteenth year clo.bal.=161902.53
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	161902.53	161383.88	160861.77	160336.18	159807.09	159274.47	158738.30	158198.56	157655.22	157108.25	156557.64	156003.36
	Interest	1079.35	1075.89	1072.41	1068.91	1065.38	1061.83	1058.26	1054.66	1051.03	1047.39	1043.72	1040.02
	Pension	1598.00	1598.00	1598.00	1598.00	1598.00	1598.00	1598.00	1598.00	1598.00	1598.00	1598.00	1598.00
	Carry Over	161383.88	160861.77	160336.18	159807.09	159274.47	158738.30	158198.56	157655.22	157108.25	156557.64	156003.36	155445.38
	Retn=19.18% Sixteenth year clo.bal.=155445.38
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	155445.38	154723.88	153997.57	153266.42	152530.40	151789.47	151043.60	150292.76	149536.91	148776.02	148010.06	147238.99
	Interest	1036.30	1031.49	1026.65	1021.78	1016.87	1011.93	1006.96	1001.95	996.91	991.84	986.73	981.59
	Pension	1757.80	1757.80	1757.80	1757.80	1757.80	1757.80	1757.80	1757.80	1757.80	1757.80	1757.80	1757.80
	Carry Over	154723.88	153997.57	153266.42	152530.40	151789.47	151043.60	150292.76	149536.91	148776.02	148010.06	147238.99	146462.78
	Retn=21.09% Seventeenth year clo.bal.=146462.78
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	146462.78	145505.62	144542.08	143572.11	142595.68	141612.74	140623.24	139627.15	138624.42	137615.00	136598.85	135575.93
	Interest	976.42	970.04	963.61	957.15	950.64	944.08	937.49	930.85	924.16	917.43	910.66	903.84
	Pension	1933.58	1933.58	1933.58	1933.58	1933.58	1933.58	1933.58	1933.58	1933.58	1933.58	1933.58	1933.58
	Carry Over	145505.62	144542.08	143572.11	142595.68	141612.74	140623.24	139627.15	138624.42	137615.00	136598.85	135575.93	134546.19
	Retn=23.20% Eighteenth year clo.bal.=134546.19
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	134546.19	133316.22	132078.05	130831.63	129576.90	128313.81	127042.30	125762.31	124473.79	123176.68	121870.92	120556.45
	Interest	896.97	888.77	880.52	872.21	863.85	855.43	846.95	838.42	829.83	821.18	812.47	803.71
	Pension	2126.94	2126.94	2126.94	2126.94	2126.94	2126.94	2126.94	2126.94	2126.94	2126.94	2126.94	2126.94
	Carry Over	133316.22	132078.05	130831.63	129576.90	128313.81	127042.30	125762.31	124473.79	123176.68	121870.92	120556.45	119233.22
	Retn=25.52% Nineteenth year clo.bal.=119233.22
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	119233.22	117688.48	116133.44	114568.03	112992.19	111405.84	109808.92	108201.35	106583.06	104953.98	103314.04	101663.17
	Interest	794.89	784.59	774.22	763.79	753.28	742.71	732.06	721.34	710.55	699.69	688.76	677.75
	Pension	2339.63	2339.63	2339.63	2339.63	2339.63	2339.63	2339.63	2339.63	2339.63	2339.63	2339.63	2340.92
	Carry Over	117688.48	116133.44	114568.03	112992.19	111405.84	109808.92	108201.35	106583.06	104953.98	103314.04	101663.17	100000.00
	Retn=28.08% Twentieth year clo.bal.=100000.00

(54) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 21 of 24Interest at 8% p.a. For Term 20 years Moratorium 0 months page 1 of 3
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100368.90	100740.26	101114.09	101490.41	101869.24	102250.60	102634.50	103020.96	103410.00	103801.63	104195.87
	Interest	666.67	669.13	671.60	674.09	676.60	679.13	681.67	684.23	686.81	689.40	692.01	694.64
	Pension	297.77	297.77	297.77	297.77	297.77	297.77	297.77	297.77	297.77	297.77	297.77	297.77
	Carry Over	100368.90	100740.26	101114.09	101490.41	101869.24	102250.60	102634.50	103020.96	103410.00	103801.63	104195.87	104592.74
	Retn=3.57% First year clo.bal.=104592.74
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	104592.74	104962.47	105334.67	105709.35	106086.53	106466.22	106848.44	107233.21	107620.55	108010.47	108402.99	108798.13
	Interest	697.28	699.75	702.23	704.73	707.24	709.77	712.32	714.89	717.47	720.07	722.69	725.32
	Pension	327.55	327.55	327.55	327.55	327.55	327.55	327.55	327.55	327.55	327.55	327.55	327.55
	Carry Over	104962.47	105334.67	105709.35	106086.53	106466.22	106848.44	107233.21	107620.55	108010.47	108402.99	108798.13	109195.90
	Retn=3.93% Second year clo.bal.=109195.90
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109195.90	109563.56	109933.67	110306.25	110681.32	111058.89	111438.97	111821.59	112206.76	112594.50	112984.82	113377.74
	Interest	727.97	730.42	732.89	735.38	737.88	740.39	742.93	745.48	748.05	750.63	753.23	755.85
	Pension	360.31	360.31	360.31	360.31	360.31	360.31	360.31	360.31	360.31	360.31	360.31	360.31
	Carry Over	109563.56	109933.67	110306.25	110681.32	111058.89	111438.97	111821.59	112206.76	112594.50	112984.82	113377.74	113773.28
	Retn=4.32% Third year clo.bal.=113773.28
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	113773.28	114135.43	114499.99	114866.98	115236.42	115608.32	115982.70	116359.58	116738.97	117120.89	117505.36	117892.39
	Interest	758.49	760.90	763.33	765.78	768.24	770.72	773.22	775.73	778.26	780.81	783.37	785.95
	Pension	396.34	396.34	396.34	396.34	396.34	396.34	396.34	396.34	396.34	396.34	396.34	396.34
	Carry Over	114135.43	114499.99	114866.98	115236.42	115608.32	115982.70	116359.58	116738.97	117120.89	117505.36	117892.39	118282.00
	Retn=4.76% Fourth year clo.bal.=118282.00
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	118282.00	118634.58	118989.51	119346.80	119706.48	120068.55	120433.04	120799.96	121169.32	121541.15	121915.45	122292.25
	Interest	788.55	790.90	793.26	795.65	798.04	800.46	802.89	805.33	807.80	810.27	812.77	815.28
	Pension	435.97	435.97	435.97	435.97	435.97	435.97	435.97	435.97	435.97	435.97	435.97	435.97
	Carry Over	118634.58	118989.51	119346.80	119706.48	120068.55	120433.04	120799.96	121169.32	121541.15	121915.45	122292.25	122671.56
	Retn=5.23% Fifth year clo.bal.=122671.56
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122671.56	123009.80	123350.30	123693.07	124038.12	124385.47	124735.14	125087.14	125441.48	125798.19	126157.27	126518.75
	Interest	817.81	820.07	822.34	824.62	826.92	829.24	831.57	833.91	836.28	838.65	841.05	843.46
	Pension	479.57	479.57	479.57	479.57	479.57	479.57	479.57	479.57	479.57	479.57	479.57	479.57
	Carry Over	123009.80	123350.30	123693.07	124038.12	124385.47	124735.14	125087.14	125441.48	125798.19	126157.27	126518.75	126882.64
	Retn=5.75% Sixth year clo.bal.=126882.64
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	126882.64	127200.99	127521.47	127844.08	128168.84	128495.77	128824.88	129156.18	129489.69	129825.42	130163.39	130503.62
	Interest	845.88	848.01	850.14	852.29	854.46	856.64	858.83	861.04	863.26	865.50	867.76	870.02
	Pension	527.53	527.53	527.53	527.53	527.53	527.53	527.53	527.53	527.53	527.53	527.53	527.53
	Carry Over	127200.99	127521.47	127844.08	128168.84	128495.77	128824.88	129156.18	129489.69	129825.42	130163.39	130503.62	130846.11
	Retn=6.33% Seventh year clo.bal.=130846.11
(55) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 21 of 24Interest at 8% p.a. For Term 20 years Moratorium 0 months page 2 of 3
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	130846.11	131138.14	131432.11	131728.04	132025.95	132325.84	132627.73	132931.63	133237.56	133545.53	133855.55	134167.64
	Interest	872.31	874.25	876.21	878.19	880.17	882.17	884.18	886.21	888.25	890.30	892.37	894.45
	Pension	580.28	580.28	580.28	580.28	580.28	580.28	580.28	580.28	580.28	580.28	580.28	580.28
	Carry Over	131138.14	131432.11	131728.04	132025.95	132325.84	132627.73	132931.63	133237.56	133545.53	133855.55	134167.64	134481.81
	Retn=6.96% Eighth year clo.bal.=134481.81
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	134481.81	134740.05	135000.01	135261.70	135525.13	135790.32	136057.28	136326.02	136596.55	136868.88	137143.03	137419.01
	Interest	896.55	898.27	900.00	901.74	903.50	905.27	907.05	908.84	910.64	912.46	914.29	916.13
	Pension	638.31	638.31	638.31	638.31	638.31	638.31	638.31	638.31	638.31	638.31	638.31	638.31
	Carry Over	134740.05	135000.01	135261.70	135525.13	135790.32	136057.28	136326.02	136596.55	136868.88	137143.03	137419.01	137696.83
	Retn=7.66% Nineth year clo.bal.=137696.83
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137696.83	137912.67	138129.95	138348.68	138568.86	138790.51	139013.64	139238.26	139464.38	139692.00	139921.14	140151.81
	Interest	917.98	919.42	920.87	922.32	923.79	925.27	926.76	928.26	929.76	931.28	932.81	934.35
	Pension	702.14	702.14	702.14	702.14	702.14	702.14	702.14	702.14	702.14	702.14	702.14	702.14
	Carry Over	137912.67	138129.95	138348.68	138568.86	138790.51	139013.64	139238.26	139464.38	139692.00	139921.14	140151.81	140384.02
	Retn=8.43% Tenth year clo.bal.=140384.02
Eleventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	140384.02	140547.56	140712.19	140877.92	141044.76	141212.71	141381.78	141551.98	141723.31	141895.78	142069.40	142244.18
	Interest	935.89	936.98	938.08	939.19	940.30	941.42	942.55	943.68	944.82	945.97	947.13	948.29
	Pension	772.35	772.35	772.35	772.35	772.35	772.35	772.35	772.35	772.35	772.35	772.35	772.35
	Carry Over	140547.56	140712.19	140877.92	141044.76	141212.71	141381.78	141551.98	141723.31	141895.78	142069.40	142244.18	142420.12
	Retn=9.27% Eleventh year clo.bal.=142420.12
Twelth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	142420.12	142520.00	142620.54	142721.75	142823.64	142926.21	143029.46	143133.40	143238.03	143343.36	143449.39	143556.13
	Interest	949.47	950.13	950.80	951.48	952.16	952.84	953.53	954.22	954.92	955.62	956.33	957.04
	Pension	849.59	849.59	849.59	849.59	849.59	849.59	849.59	849.59	849.59	849.59	849.59	849.59
	Carry Over	142520.00	142620.54	142721.75	142823.64	142926.21	143029.46	143133.40	143238.03	143343.36	143449.39	143556.13	143663.58
	Retn=10.20% Twelth year clo.bal.=143663.58
Thirteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	143663.58	143686.79	143710.15	143733.67	143757.34	143781.17	143805.16	143829.31	143853.62	143878.09	143902.73	143927.53
	Interest	957.76	957.91	958.07	958.22	958.38	958.54	958.70	958.86	959.02	959.19	959.35	959.52
	Pension	934.55	934.55	934.55	934.55	934.55	934.55	934.55	934.55	934.55	934.55	934.55	934.55
	Carry Over	143686.79	143710.15	143733.67	143757.34	143781.17	143805.16	143829.31	143853.62	143878.09	143902.73	143927.53	143952.50
	Retn=11.21% Thirteenth year clo.bal.=143952.50
Fourteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	143952.50	143884.17	143815.39	143746.15	143676.45	143606.28	143535.65	143464.54	143392.96	143320.90	143248.36	143175.34
	Interest	959.68	959.23	958.77	958.31	957.84	957.38	956.90	956.43	955.95	955.47	954.99	954.50
	Pension	1028.01	1028.01	1028.01	1028.01	1028.01	1028.01	1028.01	1028.01	1028.01	1028.01	1028.01	1028.01
	Carry Over	143884.17	143815.39	143746.15	143676.45	143606.28	143535.65	143464.54	143392.96	143320.90	143248.36	143175.34	143101.83
	Retn=12.34% Fourteenth year clo.bal.=143101.83
(56) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 21 of 24Interest at 8% p.a. For Term 20 years Moratorium 0 months page 3 of 3
Fifteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	143101.83	142925.03	142747.05	142567.89	142387.53	142205.97	142023.20	141839.21	141653.99	141467.54	141279.85	141090.91
	Interest	954.01	952.83	951.65	950.45	949.25	948.04	946.82	945.59	944.36	943.12	941.87	940.61
	Pension	1130.81	1130.81	1130.81	1130.81	1130.81	1130.81	1130.81	1130.81	1130.81	1130.81	1130.81	1130.81
	Carry Over	142925.03	142747.05	142567.89	142387.53	142205.97	142023.20	141839.21	141653.99	141467.54	141279.85	141090.91	140900.71
	Retn=13.57% Fifteenth year clo.bal.=140900.71
Sixteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	140900.71	140596.16	140289.58	139980.95	139670.27	139357.52	139042.68	138725.74	138406.69	138085.51	137762.19	137436.71
	Interest	939.34	937.31	935.26	933.21	931.14	929.05	926.95	924.84	922.71	920.57	918.41	916.24
	Pension	1243.89	1243.89	1243.89	1243.89	1243.89	1243.89	1243.89	1243.89	1243.89	1243.89	1243.89	1243.89
	Carry Over	140596.16	140289.58	139980.95	139670.27	139357.52	139042.68	138725.74	138406.69	138085.51	137762.19	137436.71	137109.06
	Retn=14.93% Sixteenth year clo.bal.=137109.06
Seventeenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137109.06	136654.84	136197.59	135737.29	135273.93	134807.48	134337.92	133865.23	133389.38	132910.36	132428.15	131942.72
	Interest	914.06	911.03	907.98	904.92	901.83	898.72	895.59	892.43	889.26	886.07	882.85	879.62
	Pension	1368.28	1368.28	1368.28	1368.28	1368.28	1368.28	1368.28	1368.28	1368.28	1368.28	1368.28	1368.28
	Carry Over	136654.84	136197.59	135737.29	135273.93	134807.48	134337.92	133865.23	133389.38	132910.36	132428.15	131942.72	131454.06
	Retn=16.42% Seventeenth year clo.bal.=131454.06
Eighteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	131454.06	130825.31	130192.37	129555.21	128913.80	128268.12	127618.13	126963.81	126305.13	125642.05	124974.55	124302.60
	Interest	876.36	872.17	867.95	863.70	859.43	855.12	850.79	846.43	842.03	837.61	833.16	828.68
	Pension	1505.11	1505.11	1505.11	1505.11	1505.11	1505.11	1505.11	1505.11	1505.11	1505.11	1505.11	1505.11
	Carry Over	130825.31	130192.37	129555.21	128913.80	128268.12	127618.13	126963.81	126305.13	125642.05	124974.55	124302.60	123626.17
	Retn=18.06% Eighteenth year clo.bal.=123626.17
Nineteenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	123626.17	122794.72	121957.73	121115.16	120266.97	119413.13	118553.60	117688.34	116817.31	115940.47	115057.79	114169.22
	Interest	824.17	818.63	813.05	807.43	801.78	796.09	790.36	784.59	778.78	772.94	767.05	761.13
	Pension	1655.62	1655.62	1655.62	1655.62	1655.62	1655.62	1655.62	1655.62	1655.62	1655.62	1655.62	1655.62
	Carry Over	122794.72	121957.73	121115.16	120266.97	119413.13	118553.60	117688.34	116817.31	115940.47	115057.79	114169.22	113274.73
	Retn=19.87% Nineteenth year clo.bal.=113274.73
Twentieth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	113274.73	112208.71	111135.59	110055.31	108967.83	107873.10	106771.07	105661.70	104544.93	103420.72	102289.01	101149.76
	Interest	755.16	748.06	740.90	733.70	726.45	719.15	711.81	704.41	696.97	689.47	681.93	674.33
	Pension	1821.18	1821.18	1821.18	1821.18	1821.18	1821.18	1821.18	1821.18	1821.18	1821.18	1821.18	1824.09
	Carry Over	112208.71	111135.59	110055.31	108967.83	107873.10	106771.07	105661.70	104544.93	103420.72	102289.01	101149.76	100000.00
	Retn=21.86% Twentieth year clo.bal.=100000.00

(57) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 22 of 24Interest at 8% p.a. For Term 10 years Moratorium 60 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74
	Interest	666.67	671.11	675.59	680.09	684.62	689.19	693.78	698.41	703.06	707.75	712.47	717.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74	108299.96
	Retn=0.00% First year clo.bal.=108299.96
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108299.96	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06
	Interest	722.00	726.81	731.66	736.54	741.45	746.39	751.37	756.37	761.42	766.49	771.60	776.75
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06	117288.81
	Retn=0.00% Second year clo.bal.=117288.81
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	117288.81	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52
	Interest	781.93	787.14	792.39	797.67	802.99	808.34	813.73	819.15	824.61	830.11	835.65	841.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52	127023.74
	Retn=0.00% Third year clo.bal.=127023.74
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127023.74	127870.56	128723.03	129581.18	130445.05	131314.68	132190.11	133071.38	133958.52	134851.58	135750.59	136655.59
	Interest	846.82	852.47	858.15	863.87	869.63	875.43	881.27	887.14	893.06	899.01	905.00	911.04
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	127870.56	128723.03	129581.18	130445.05	131314.68	132190.11	133071.38	133958.52	134851.58	135750.59	136655.59	137566.63
	Retn=0.00% Fourth year clo.bal.=137566.63
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137566.63	138483.74	139406.96	140336.34	141271.92	142213.73	143161.82	144116.23	145077.00	146044.18	147017.81	147997.93
	Interest	917.11	923.22	929.38	935.58	941.81	948.09	954.41	960.77	967.18	973.63	980.12	986.65
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	138483.74	139406.96	140336.34	141271.92	142213.73	143161.82	144116.23	145077.00	146044.18	147017.81	147997.93	148984.58
	Retn=0.00% Fifth year clo.bal.=148984.58
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	148984.58	148597.59	148208.02	147815.85	147421.07	147023.66	146623.60	146220.87	145815.46	145407.34	144996.50	144582.92
	Interest	993.23	990.65	988.05	985.44	982.81	980.16	977.49	974.81	972.10	969.38	966.64	963.89
	Pension	1380.22	1380.22	1380.22	1380.22	1380.22	1380.22	1380.22	1380.22	1380.22	1380.22	1380.22	1380.22
	Carry Over	148597.59	148208.02	147815.85	147421.07	147023.66	146623.60	146220.87	145815.46	145407.34	144996.50	144582.92	144166.59
	Retn=16.56% Sixth year clo.bal.=144166.59
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	144166.59	143609.46	143048.62	142484.04	141915.69	141343.55	140767.60	140187.81	139604.16	139016.61	138425.15	137829.74
	Interest	961.11	957.40	953.66	949.89	946.10	942.29	938.45	934.59	930.69	926.78	922.83	918.86
	Pension	1518.24	1518.24	1518.24	1518.24	1518.24	1518.24	1518.24	1518.24	1518.24	1518.24	1518.24	1518.24
	Carry Over	143609.46	143048.62	142484.04	141915.69	141343.55	140767.60	140187.81	139604.16	139016.61	138425.15	137829.74	137230.36
	Retn=18.22% Seventh year clo.bal.=137230.36
(58) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 22 of 24Interest at 8% p.a. For Term 10 years Moratorium 60 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	137230.36	136475.17	135714.94	134949.65	134179.25	133403.72	132623.02	131837.11	131045.96	130249.54	129447.81	128640.74
	Interest	914.87	909.83	904.77	899.66	894.53	889.36	884.15	878.91	873.64	868.33	862.99	857.60
	Pension	1670.06	1670.06	1670.06	1670.06	1670.06	1670.06	1670.06	1670.06	1670.06	1670.06	1670.06	1670.06
	Carry Over	136475.17	135714.94	134949.65	134179.25	133403.72	132623.02	131837.11	131045.96	130249.54	129447.81	128640.74	127828.28
	Retn=20.04% Eighth year clo.bal.=127828.28
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127828.28	126843.40	125851.95	124853.89	123849.18	122837.77	121819.62	120794.68	119762.91	118724.26	117678.69	116626.14
	Interest	852.19	845.62	839.01	832.36	825.66	818.92	812.13	805.30	798.42	791.50	784.52	777.51
	Pension	1837.07	1837.07	1837.07	1837.07	1837.07	1837.07	1837.07	1837.07	1837.07	1837.07	1837.07	1837.07
	Carry Over	126843.40	125851.95	124853.89	123849.18	122837.77	121819.62	120794.68	119762.91	118724.26	117678.69	116626.14	115566.58
	Retn=22.04% Nineth year clo.bal.=115566.58
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	115566.58	114316.24	113057.57	111790.51	110515.00	109230.99	107938.42	106637.23	105327.36	104008.76	102681.37	101345.13
	Interest	770.44	762.11	753.72	745.27	736.77	728.21	719.59	710.91	702.18	693.39	684.54	675.63
	Pension	2020.78	2020.78	2020.78	2020.78	2020.78	2020.78	2020.78	2020.78	2020.78	2020.78	2020.78	2020.76
	Carry Over	114316.24	113057.57	111790.51	110515.00	109230.99	107938.42	106637.23	105327.36	104008.76	102681.37	101345.13	100000.00
	Retn=24.25% Tenth year clo.bal.=100000.00

(59) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 23 of 24Interest at 8% p.a. For Term 10 years Moratorium 30 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74
	Interest	666.67	671.11	675.59	680.09	684.62	689.19	693.78	698.41	703.06	707.75	712.47	717.22
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74	108299.96
	Retn=0.00% First year clo.bal.=108299.96
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108299.96	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06
	Interest	722.00	726.81	731.66	736.54	741.45	746.39	751.37	756.37	761.42	766.49	771.60	776.75
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06	117288.81
	Retn=0.00% Second year clo.bal.=117288.81
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	117288.81	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122167.25	122275.95	122385.37	122495.52	122606.41
	Interest	781.93	787.14	792.39	797.67	802.99	808.34	813.73	814.45	815.17	815.90	816.64	817.38
	Pension	0.00	0.00	0.00	0.00	0.00	0.00	705.75	705.75	705.75	705.75	705.75	705.75
	Carry Over	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122167.25	122275.95	122385.37	122495.52	122606.41	122718.04
	Retn=4.23% Third year clo.bal.=122718.04
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122718.04	122759.83	122801.90	122844.25	122886.88	122929.80	122973.00	123016.49	123060.27	123104.34	123148.71	123193.37
	Interest	818.12	818.40	818.68	818.96	819.25	819.53	819.82	820.11	820.40	820.70	820.99	821.29
	Pension	776.33	776.33	776.33	776.33	776.33	776.33	776.33	776.33	776.33	776.33	776.33	776.33
	Carry Over	122759.83	122801.90	122844.25	122886.88	122929.80	122973.00	123016.49	123060.27	123104.34	123148.71	123193.37	123238.33
	Retn=9.32% Fourth year clo.bal.=123238.33
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	123238.33	123205.96	123173.37	123140.57	123107.55	123074.31	123040.85	123007.16	122973.25	122939.11	122904.74	122870.14
	Interest	821.59	821.37	821.16	820.94	820.72	820.50	820.27	820.05	819.82	819.59	819.36	819.13
	Pension	853.96	853.96	853.96	853.96	853.96	853.96	853.96	853.96	853.96	853.96	853.96	853.96
	Carry Over	123205.96	123173.37	123140.57	123107.55	123074.31	123040.85	123007.16	122973.25	122939.11	122904.74	122870.14	122835.31
	Retn=10.25% Fifth year clo.bal.=122835.31
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	122835.31	122714.85	122593.59	122471.52	122348.64	122224.94	122100.41	121975.05	121848.86	121721.83	121593.95	121465.22
	Interest	818.90	818.10	817.29	816.48	815.66	814.83	814.00	813.17	812.33	811.48	810.63	809.77
	Pension	939.36	939.36	939.36	939.36	939.36	939.36	939.36	939.36	939.36	939.36	939.36	939.36
	Carry Over	122714.85	122593.59	122471.52	122348.64	122224.94	122100.41	121975.05	121848.86	121721.83	121593.95	121465.22	121335.63
	Retn=11.27% Sixth year clo.bal.=121335.63
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	121335.63	121111.23	120885.34	120657.94	120429.03	120198.59	119966.61	119733.09	119498.01	119261.36	119023.14	118783.33
	Interest	808.90	807.41	805.90	804.39	802.86	801.32	799.78	798.22	796.65	795.08	793.49	791.89
	Pension	1033.30	1033.30	1033.30	1033.30	1033.30	1033.30	1033.30	1033.30	1033.30	1033.30	1033.30	1033.30
	Carry Over	121111.23	120885.34	120657.94	120429.03	120198.59	119966.61	119733.09	119498.01	119261.36	119023.14	118783.33	118541.92
	Retn=12.40% Seventh year clo.bal.=118541.92
(60) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 23 of 24Interest at 8% p.a. For Term 10 years Moratorium 30 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	118541.92	118195.57	117846.91	117495.93	117142.61	116786.93	116428.88	116068.44	115705.60	115340.34	114972.65	114602.50
	Interest	790.28	787.97	785.65	783.31	780.95	778.58	776.19	773.79	771.37	768.94	766.48	764.02
	Pension	1136.63	1136.63	1136.63	1136.63	1136.63	1136.63	1136.63	1136.63	1136.63	1136.63	1136.63	1136.63
	Carry Over	118195.57	117846.91	117495.93	117142.61	116786.93	116428.88	116068.44	115705.60	115340.34	114972.65	114602.50	114229.89
	Retn=13.64% Eighth year clo.bal.=114229.89
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	114229.89	113741.13	113249.11	112753.81	112255.21	111753.29	111248.02	110739.38	110227.35	109711.91	109193.03	108670.69
	Interest	761.53	758.27	754.99	751.69	748.37	745.02	741.65	738.26	734.85	731.41	727.95	724.47
	Pension	1250.29	1250.29	1250.29	1250.29	1250.29	1250.29	1250.29	1250.29	1250.29	1250.29	1250.29	1250.29
	Carry Over	113741.13	113249.11	112753.81	112255.21	111753.29	111248.02	110739.38	110227.35	109711.91	109193.03	108670.69	108144.87
	Retn=15.00% Nineth year clo.bal.=108144.87
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108144.87	107490.52	106831.80	106168.69	105501.16	104829.18	104152.72	103471.75	102786.24	102096.16	101401.48	100702.17
	Interest	720.97	716.60	712.21	707.79	703.34	698.86	694.35	689.81	685.24	680.64	676.01	671.35
	Pension	1375.32	1375.32	1375.32	1375.32	1375.32	1375.32	1375.32	1375.32	1375.32	1375.32	1375.32	1373.52
	Carry Over	107490.52	106831.80	106168.69	105501.16	104829.18	104152.72	103471.75	102786.24	102096.16	101401.48	100702.17	100000.00
	Retn=16.50% Tenth year clo.bal.=100000.00

(61) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 24 of 24Interest at 8% p.a. For Term 10 years Moratorium 0 months page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100221.49	100444.45	100668.90	100894.85	101122.30	101351.27	101581.77	101813.80	102047.38	102282.52	102519.22
	Interest	666.67	668.14	669.63	671.13	672.63	674.15	675.68	677.21	678.76	680.32	681.88	683.46
	Pension	445.18	445.18	445.18	445.18	445.18	445.18	445.18	445.18	445.18	445.18	445.18	445.18
	Carry Over	100221.49	100444.45	100668.90	100894.85	101122.30	101351.27	101581.77	101813.80	102047.38	102282.52	102519.22	102757.50
	Retn=5.34% First year clo.bal.=102757.50
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	102757.50	102952.85	103149.50	103347.46	103546.74	103747.35	103949.30	104152.60	104357.25	104563.27	104770.66	104979.43
	Interest	685.05	686.35	687.66	688.98	690.31	691.65	693.00	694.35	695.72	697.09	698.47	699.86
	Pension	489.70	489.70	489.70	489.70	489.70	489.70	489.70	489.70	489.70	489.70	489.70	489.70
	Carry Over	102952.85	103149.50	103347.46	103546.74	103747.35	103949.30	104152.60	104357.25	104563.27	104770.66	104979.43	105189.59
	Retn=5.88% Second year clo.bal.=105189.59
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	105189.59	105352.18	105515.86	105680.63	105846.50	106013.47	106181.56	106350.77	106521.11	106692.58	106865.19	107038.95
	Interest	701.26	702.35	703.44	704.54	705.64	706.76	707.88	709.01	710.14	711.28	712.43	713.59
	Pension	538.67	538.67	538.67	538.67	538.67	538.67	538.67	538.67	538.67	538.67	538.67	538.67
	Carry Over	105352.18	105515.86	105680.63	105846.50	106013.47	106181.56	106350.77	106521.11	106692.58	106865.19	107038.95	107213.87
	Retn=6.46% Third year clo.bal.=107213.87
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	107213.87	107336.09	107459.12	107582.97	107707.65	107833.16	107959.51	108086.70	108214.74	108343.63	108473.38	108604.00
	Interest	714.76	715.57	716.39	717.22	718.05	718.89	719.73	720.58	721.43	722.29	723.16	724.03
	Pension	592.54	592.54	592.54	592.54	592.54	592.54	592.54	592.54	592.54	592.54	592.54	592.54
	Carry Over	107336.09	107459.12	107582.97	107707.65	107833.16	107959.51	108086.70	108214.74	108343.63	108473.38	108604.00	108735.49
	Retn=7.11% Fourth year clo.bal.=108735.49
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108735.49	108808.60	108882.20	108956.29	109030.88	109105.96	109181.54	109257.63	109334.22	109411.32	109488.94	109567.08
	Interest	724.90	725.39	725.88	726.38	726.87	727.37	727.88	728.38	728.89	729.41	729.93	730.45
	Pension	651.79	651.79	651.79	651.79	651.79	651.79	651.79	651.79	651.79	651.79	651.79	651.79
	Carry Over	108808.60	108882.20	108956.29	109030.88	109105.96	109181.54	109257.63	109334.22	109411.32	109488.94	109567.08	109645.74
	Retn=7.82% Fifth year clo.bal.=109645.74
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109645.74	109659.74	109673.83	109688.02	109702.30	109716.68	109731.15	109745.72	109760.39	109775.16	109790.02	109804.98
	Interest	730.97	731.06	731.16	731.25	731.35	731.44	731.54	731.64	731.74	731.83	731.93	732.03
	Pension	716.97	716.97	716.97	716.97	716.97	716.97	716.97	716.97	716.97	716.97	716.97	716.97
	Carry Over	109659.74	109673.83	109688.02	109702.30	109716.68	109731.15	109745.72	109760.39	109775.16	109790.02	109804.98	109820.04
	Retn=8.60% Sixth year clo.bal.=109820.04
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109820.04	109763.50	109706.59	109649.30	109591.63	109533.57	109475.12	109416.28	109357.05	109297.43	109237.41	109176.99
	Interest	732.13	731.76	731.38	731.00	730.61	730.22	729.83	729.44	729.05	728.65	728.25	727.85
	Pension	788.67	788.67	788.67	788.67	788.67	788.67	788.67	788.67	788.67	788.67	788.67	788.67
	Carry Over	109763.50	109706.59	109649.30	109591.63	109533.57	109475.12	109416.28	109357.05	109297.43	109237.41	109176.99	109116.17
	Retn=9.46% Seventh year clo.bal.=109116.17
(62) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM pension.Scheme 24 of 24Interest at 8% p.a. For Term 10 years Moratorium 0 months page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	109116.17	108976.07	108835.04	108693.07	108550.15	108406.28	108261.45	108115.65	107968.88	107821.13	107672.40	107522.68
	Interest	727.44	726.51	725.57	724.62	723.67	722.71	721.74	720.77	719.79	718.81	717.82	716.82
	Pension	867.54	867.54	867.54	867.54	867.54	867.54	867.54	867.54	867.54	867.54	867.54	867.54
	Carry Over	108976.07	108835.04	108693.07	108550.15	108406.28	108261.45	108115.65	107968.88	107821.13	107672.40	107522.68	107371.96
	Retn=10.41% Eighth year clo.bal.=107371.96
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	107371.96	107133.48	106893.41	106651.74	106408.46	106163.56	105917.03	105668.85	105419.02	105167.52	104914.35	104659.49
	Interest	715.81	714.22	712.62	711.01	709.39	707.76	706.11	704.46	702.79	701.12	699.43	697.73
	Pension	954.29	954.29	954.29	954.29	954.29	954.29	954.29	954.29	954.29	954.29	954.29	954.29
	Carry Over	107133.48	106893.41	106651.74	106408.46	106163.56	105917.03	105668.85	105419.02	105167.52	104914.35	104659.49	104402.93
	Retn=11.45% Nineth year clo.bal.=104402.93
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	104402.93	104049.23	103693.17	103334.74	102973.92	102610.69	102245.04	101876.95	101506.41	101133.40	100757.90	100379.90
	Interest	696.02	693.66	691.29	688.90	686.49	684.07	681.63	679.18	676.71	674.22	671.72	669.20
	Pension	1049.72	1049.72	1049.72	1049.72	1049.72	1049.72	1049.72	1049.72	1049.72	1049.72	1049.72	1049.10
	Carry Over	104049.23	103693.17	103334.74	102973.92	102610.69	102245.04	101876.95	101506.41	101133.40	100757.90	100379.90	100000.00
	Retn=12.60% Tenth year clo.bal.=100000.00

INFLAPRO
SAMPLE CALCULATIONS

Infalation rate =10.00% p.a.

LOAN SCHEMES

(64)
CONTENTS

PENSIONPENSION

LOANLOAN

InterestTermMoratoriumStartg-amt

Page

1int= 8.00% 6 yrs 36 months 3625.98

1. Intt.=8.00% term=6 yrs moratorium =36 months Start-amt=3625.98Page 65

RDRD

(65) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM loan.Scheme 1 of 1Interest at 8% p.a. For Term 6 years Moratorium 36 months page 1 of 1
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	100000.00	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74
	Interest	666.67	671.11	675.59	680.09	684.62	689.19	693.78	698.41	703.06	707.75	712.47	717.22
	RePaymnt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	100666.67	101337.78	102013.37	102693.46	103378.08	104067.27	104761.05	105459.46	106162.52	106870.27	107582.74	108299.96
	Repayment=0.00% First year clo.bal.=108299.96
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	108299.96	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06
	Interest	722.00	726.81	731.66	736.54	741.45	746.39	751.37	756.37	761.42	766.49	771.60	776.75
	RePaymnt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	109021.96	109748.77	110480.43	111216.97	111958.42	112704.81	113456.18	114212.55	114973.97	115740.46	116512.06	117288.81
	Repayment=0.00% Second year clo.bal.=117288.81
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	117288.81	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52
	Interest	781.93	787.14	792.39	797.67	802.99	808.34	813.73	819.15	824.61	830.11	835.65	841.22
	RePaymnt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Carry Over	118070.74	118857.88	119650.27	120447.94	121250.93	122059.27	122873.00	123692.15	124516.76	125346.87	126182.52	127023.74
	Repayment=0.00% Third year clo.bal.=127023.74
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	127023.74	124244.58	121446.90	118630.57	115795.46	112941.45	110068.41	107176.22	104264.75	101333.87	98383.45	95413.36
	Interest	846.82	828.30	809.65	790.87	771.97	752.94	733.79	714.51	695.10	675.56	655.89	636.09
	RePaymnt	3625.98	3625.98	3625.98	3625.98	3625.98	3625.98	3625.98	3625.98	3625.98	3625.98	3625.98	3625.98
	Carry Over	124244.58	121446.90	118630.57	115795.46	112941.45	110068.41	107176.22	104264.75	101333.87	98383.45	95413.36	92423.47
	Repayment=43.51% Fourth year clo.bal.=92423.47
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	92423.47	89051.05	85656.14	82238.60	78798.28	75335.02	71848.67	68339.08	64806.09	61249.55	57669.30	54065.18
	Interest	616.16	593.67	571.04	548.26	525.32	502.23	478.99	455.59	432.04	408.33	384.46	360.43
	RePaymnt	3988.58	3988.58	3988.58	3988.58	3988.58	3988.58	3988.58	3988.58	3988.58	3988.58	3988.58	3988.58
	Carry Over	89051.05	85656.14	82238.60	78798.28	75335.02	71848.67	68339.08	64806.09	61249.55	57669.30	54065.18	50437.03
	Repayment=47.86% Fifth year clo.bal.=50437.03
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	50437.03	46385.84	42307.64	38202.25	34069.49	29909.18	25721.13	21505.16	17261.09	12988.72	8687.87	4358.35
	Interest	336.25	309.24	282.05	254.68	227.13	199.39	171.47	143.37	115.07	86.59	57.92	29.06
	RePaymnt	4387.44	4387.44	4387.44	4387.44	4387.44	4387.44	4387.44	4387.44	4387.44	4387.44	4387.44	4387.41
	Carry Over	46385.84	42307.64	38202.25	34069.49	29909.18	25721.13	21505.16	17261.09	12988.72	8687.87	4358.35	0.00
	Repayment=52.65% Sixth year clo.bal.=0.00

INFLAPRO
SAMPLE CALCULATIONS

Infalation rate =10.00% p.a.

REC.DEPosit SCHEMES

(67)
CONTENTS

PENSIONPENSION

LOANLOAN

RDRD

InterestTermStartg-amtCoventional
RD amt

Page

1int= 10.00% 10 yrs 328.31RD=484.14

1. Intt.=10.00% term=10 yrs Start-amt=328.31Conventional RD=484.14Page 68

2int= 8.00% 6 yrs 858.21RD=1079.46

2. Intt.=8.00% term=6 yrs Start-amt=858.21Conventional RD=1079.46Page 70

(68) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM RD.Scheme 1 of 2Interest at 10% p.a. For Term 10 years Maturity=99999.9 Conventional RD=484.14 page 1 of 2
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	0.00	331.05	664.85	1001.44	1340.83	1683.05	2028.12	2376.07	2726.92	3080.69	3437.41	3797.10
	Rec.Dep	328.31	328.31	328.31	328.31	328.31	328.31	328.31	328.31	328.31	328.31	328.31	328.31
	Interest	2.74	5.49	8.28	11.08	13.91	16.76	19.64	22.54	25.46	28.41	31.38	34.38
	Carry Over	331.05	664.85	1001.44	1340.83	1683.05	2028.12	2376.07	2726.92	3080.69	3437.41	3797.10	4159.79
	Deposit=7.88% First year clo.bal.=4159.79
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	4159.79	4558.60	4960.74	5366.23	5775.10	6187.38	6603.09	7022.27	7444.94	7871.13	8300.87	8734.19
	Rec.Dep	361.14	361.14	361.14	361.14	361.14	361.14	361.14	361.14	361.14	361.14	361.14	361.14
	Interest	37.67	41.00	44.35	47.73	51.14	54.57	58.04	61.53	65.05	68.60	72.18	75.79
	Carry Over	4558.60	4960.74	5366.23	5775.10	6187.38	6603.09	7022.27	7444.94	7871.13	8300.87	8734.19	9171.12
	Deposit=8.67% Second year clo.bal.=9171.12
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	9171.12	9648.11	10129.07	10614.04	11103.05	11596.14	12093.33	12594.67	13100.19	13609.92	14123.90	14642.16
	Rec.Dep	397.25	397.25	397.25	397.25	397.25	397.25	397.25	397.25	397.25	397.25	397.25	397.25
	Interest	79.74	83.71	87.72	91.76	95.84	99.94	104.09	108.27	112.48	116.73	121.01	125.33
	Carry Over	9648.11	10129.07	10614.04	11103.05	11596.14	12093.33	12594.67	13100.19	13609.92	14123.90	14642.16	15164.74
	Deposit=9.53% Third year clo.bal.=15164.74
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	15164.74	15731.73	16303.45	16879.93	17461.22	18047.35	18638.37	19234.31	19835.22	20441.14	21052.10	21668.16
	Rec.Dep	436.98	436.98	436.98	436.98	436.98	436.98	436.98	436.98	436.98	436.98	436.98	436.98
	Interest	130.01	134.74	139.50	144.31	149.15	154.04	158.96	163.93	168.94	173.98	179.08	184.21
	Carry Over	15731.73	16303.45	16879.93	17461.22	18047.35	18638.37	19234.31	19835.22	20441.14	21052.10	21668.16	22289.35
	Deposit=10.49% Fourth year clo.bal.=22289.35
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	22289.35	22959.78	23635.80	24317.45	25004.78	25697.84	26396.67	27101.33	27811.86	28528.31	29250.73	29979.17
	Rec.Dep	480.68	480.68	480.68	480.68	480.68	480.68	480.68	480.68	480.68	480.68	480.68	480.68
	Interest	189.75	195.34	200.97	206.65	212.38	218.15	223.98	229.85	235.77	241.74	247.76	253.83
	Carry Over	22959.78	23635.80	24317.45	25004.78	25697.84	26396.67	27101.33	27811.86	28528.31	29250.73	29979.17	30713.68
	Deposit=11.54% Fifth year clo.bal.=30713.68
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	30713.68	31502.78	32298.46	33100.77	33909.77	34725.51	35548.05	36377.44	37213.74	38057.01	38907.31	39764.69
	Rec.Dep	528.75	528.75	528.75	528.75	528.75	528.75	528.75	528.75	528.75	528.75	528.75	528.75
	Interest	260.35	266.93	273.56	280.25	286.99	293.79	300.64	307.55	314.52	321.55	328.63	335.78
	Carry Over	31502.78	32298.46	33100.77	33909.77	34725.51	35548.05	36377.44	37213.74	38057.01	38907.31	39764.69	40629.22
	Deposit=12.69% Sixth year clo.bal.=40629.22
Seventh' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	40629.22	41554.27	42487.03	43427.57	44375.94	45332.22	46296.47	47268.75	48249.13	49237.68	50234.47	51239.57
	Rec.Dep	581.63	581.63	581.63	581.63	581.63	581.63	581.63	581.63	581.63	581.63	581.63	581.63
	Interest	343.42	351.13	358.91	366.74	374.65	382.62	390.65	398.75	406.92	415.16	423.47	431.84
	Carry Over	41554.27	42487.03	43427.57	44375.94	45332.22	46296.47	47268.75	48249.13	49237.68	50234.47	51239.57	52253.04
	Deposit=13.96% Seventh year clo.bal.=52253.04
(69) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM RD.Scheme 1 of 2Interest at 10% p.a. For Term 10 years Maturity=99999.9 Conventional RD=484.14 page 2 of 2
Eighth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	52253.04	53333.60	54423.17	55521.82	56629.62	57746.66	58873.00	60008.73	61153.92	62308.66	63473.02	64647.08
	Rec.Dep	639.79	639.79	639.79	639.79	639.79	639.79	639.79	639.79	639.79	639.79	639.79	639.79
	Interest	440.77	449.78	458.86	468.01	477.25	486.55	495.94	505.40	514.95	524.57	534.27	544.06
	Carry Over	53333.60	54423.17	55521.82	56629.62	57746.66	58873.00	60008.73	61153.92	62308.66	63473.02	64647.08	65830.93
	Deposit=15.35% Eighth year clo.bal.=65830.93
Nineth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	65830.93	67089.16	68357.87	69637.15	70927.09	72227.78	73539.31	74861.77	76195.25	77539.85	78895.65	80262.75
	Rec.Dep	703.77	703.77	703.77	703.77	703.77	703.77	703.77	703.77	703.77	703.77	703.77	703.77
	Interest	554.46	564.94	575.51	586.17	596.92	607.76	618.69	629.71	640.83	652.03	663.33	674.72
	Carry Over	67089.16	68357.87	69637.15	70927.09	72227.78	73539.31	74861.77	76195.25	77539.85	78895.65	80262.75	81641.24
	Deposit=16.89% Nineth year clo.bal.=81641.24
Tenth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	81641.24	83102.18	84575.30	86060.70	87558.47	89068.73	90591.57	92127.10	93675.43	95236.66	96810.90	98398.26
	Rec.Dep	774.15	774.15	774.15	774.15	774.15	774.15	774.15	774.15	774.15	774.15	774.15	775.29
	Interest	686.79	698.97	711.25	723.62	736.11	748.69	761.38	774.18	787.08	800.09	813.21	826.35
	Carry Over	83102.18	84575.30	86060.70	87558.47	89068.73	90591.57	92127.10	93675.43	95236.66	96810.90	98398.26	99999.90
	Deposit=18.58% Tenth year clo.bal.=99999.90

(70) HOME \| PREV \| NEXT \| PENSIONFirst \| LOANFirst \| RDFirst \| BOTTOM RD.Scheme 2 of 2Interest at 8% p.a. For Term 6 years Maturity=100000 Conventional RD=1079.46 page 1 of 1
First' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	0.00	863.93	1733.62	2609.11	3490.44	4377.64	5270.76	6169.83	7074.89	7985.99	8903.16	9826.45
	Rec.Dep	858.21	858.21	858.21	858.21	858.21	858.21	858.21	858.21	858.21	858.21	858.21	858.21
	Interest	5.72	11.48	17.28	23.12	28.99	34.91	40.86	46.85	52.89	58.96	65.08	71.23
	Carry Over	863.93	1733.62	2609.11	3490.44	4377.64	5270.76	6169.83	7074.89	7985.99	8903.16	9826.45	10755.89
	Deposit=20.60% First year clo.bal.=10755.89
Second' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	10755.89	11777.92	12806.76	13842.46	14885.07	15934.63	16991.18	18054.78	19125.47	20203.30	21288.31	22380.56
	Rec.Dep	944.03	944.03	944.03	944.03	944.03	944.03	944.03	944.03	944.03	944.03	944.03	944.03
	Interest	78.00	84.81	91.67	98.58	105.53	112.52	119.57	126.66	133.80	140.98	148.22	155.50
	Carry Over	11777.92	12806.76	13842.46	14885.07	15934.63	16991.18	18054.78	19125.47	20203.30	21288.31	22380.56	23480.09
	Deposit=22.66% Second year clo.bal.=23480.09
Third' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	23480.09	24681.98	25891.88	27109.85	28335.94	29570.20	30812.69	32063.46	33322.57	34590.07	35866.02	37150.48
	Rec.Dep	1038.43	1038.43	1038.43	1038.43	1038.43	1038.43	1038.43	1038.43	1038.43	1038.43	1038.43	1038.43
	Interest	163.46	171.47	179.54	187.66	195.83	204.06	212.34	220.68	229.07	237.52	246.03	254.59
	Carry Over	24681.98	25891.88	27109.85	28335.94	29570.20	30812.69	32063.46	33322.57	34590.07	35866.02	37150.48	38443.50
	Deposit=24.92% Third year clo.bal.=38443.50
Fourth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	38443.50	39849.68	41265.23	42690.22	44124.71	45568.76	47022.44	48485.81	49958.93	51441.87	52934.70	54437.48
	Rec.Dep	1142.27	1142.27	1142.27	1142.27	1142.27	1142.27	1142.27	1142.27	1142.27	1142.27	1142.27	1142.27
	Interest	263.91	273.28	282.72	292.22	301.78	311.41	321.10	330.85	340.67	350.56	360.51	370.53
	Carry Over	39849.68	41265.23	42690.22	44124.71	45568.76	47022.44	48485.81	49958.93	51441.87	52934.70	54437.48	55950.28
	Deposit=27.41% Fourth year clo.bal.=55950.28
Fifth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	55950.28	57588.16	59236.96	60896.75	62567.61	64249.60	65942.81	67647.31	69363.17	71090.47	72829.28	74579.69
	Rec.Dep	1256.50	1256.50	1256.50	1256.50	1256.50	1256.50	1256.50	1256.50	1256.50	1256.50	1256.50	1256.50
	Interest	381.38	392.30	403.29	414.36	425.49	436.71	448.00	459.36	470.80	482.31	493.91	505.57
	Carry Over	57588.16	59236.96	60896.75	62567.61	64249.60	65942.81	67647.31	69363.17	71090.47	72829.28	74579.69	76341.76
	Deposit=30.16% Fifth year clo.bal.=76341.76
Sixth' year'	months ->	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
	Principal	76341.76	78242.07	80155.05	82080.78	84019.35	85970.84	87935.34	89912.94	91903.72	93907.78	95925.20	97956.07
	Rec.Dep	1382.15	1382.15	1382.15	1382.15	1382.15	1382.15	1382.15	1382.15	1382.15	1382.15	1382.15	1381.68
	Interest	518.16	530.83	543.58	556.42	569.34	582.35	595.45	608.63	621.91	635.27	648.72	662.25
	Carry Over	78242.07	80155.05	82080.78	84019.35	85970.84	87935.34	89912.94	91903.72	93907.78	95925.20	97956.07	100000.00
	Deposit=33.17% Sixth year clo.bal.=100000.00

(71)

INFLAPRO SAMPLE CALCULATIONS Infalation rate =10.00% p.a. PENSION SCHEMES

INFLAPRO SAMPLE CALCULATIONS Infalation rate =10.00% p.a. LOAN SCHEMES

INFLAPRO SAMPLE CALCULATIONS Infalation rate =10.00% p.a. REC.DEPosit SCHEMES

INFLAPRO
SAMPLE CALCULATIONS

Infalation rate =10.00% p.a.

PENSION SCHEMES

INFLAPRO
SAMPLE CALCULATIONS

Infalation rate =10.00% p.a.

LOAN SCHEMES

INFLAPRO
SAMPLE CALCULATIONS

Infalation rate =10.00% p.a.

REC.DEPosit SCHEMES