I’m not sure what you are asking for. Each of the four methods I show in the workbook use the same methodology, but come at the problem four different ways. In the Excel workbook, I show the math for calculating the spot rate for the three-year notes on both the “Spreadsheet” method and the “Fourth Method”. Maybe you can tell me what you mean by the derivation.

Don

]]>Thanks very much for the sharing. Can you please provide the derivation of the formula used.

Regards,

Parva

It is on the way.

Don

]]>Very helpful post. Is there any way to see the VBA for this? Trying to build it into my skillset.

Thanks

]]>I am going to send you a copy of my TDR (Troubled Debt Restructuring) model. I will try to answer your question, however the loan market in India may have different definitions than the U.S. markets.

Don

]]>I have one loan restructuring model in excel given by one global consultant

I am sorry I can not share but would like to understand certain details of it

as follow

Question 1

Type Of Grace Period (What is the definition of the following options)

a.Complete Exemption

b. Interest Only

c.Temporary Reduction

d.No Grace Period

Question 2

How is loan restructuring done for tiered interest rates ]]>

I’m having a hard time visualizing what you are trying to do. Could you send me a copy of your calculations so far?

Thanks,

Send it to blog@pistulka.com

Don ]]>

Really impressive spreadsheets. I’m hoping you can help me with some calculations. I am trying to forecast annual collection rates based on actual historical 10 year annual collection rates. Right now we require a 50% down payment and I’m trying to calculate what the annual collection rate percentages would be if we change to 25% down payment weighted using the same annual collection rates. I need to display the APR by year and the cum total. Could you help me with this calculation? I have worked on it for 2 long and cant get it to add up to 100% collection at the end of year 10. Thanks ]]>

I will send you something that might work for you.

Don ]]>

Not sure if my first comment was submitted so I am re-submitting. I have a loan that has variable monthly payments and variable interest rate throughout the year. I have no idea how to track how much I still owe. Any advice would be greatly appreciated.

Thank you,

Kerry

What you do is amazing. I have loan in which the monthly payments may change and well as sometimes the interest rate changes. I am trying to figure out how to calculate how much I currently owe. Do you have a spreadsheet that could do this type of calculation for me?

I would appreciate any help you could provide,

Thank you,

Kerry

Don

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