Do you mean a pool of loans with rates vary, or a consumer loan that has variable rates over time? I do not have much on consumer loans. Can you be more specific on what you are trying to do? ]]>

Hope you are are doing well. Do you have a model against a consumer loan portfolio with variable rates, payment schedules, default rates?

Thank you in advance – Bill

]]>1. CPR for a spread of -2% is 8.

2. Burnout likelyhood for 0.4 is 0.900.

3. seasoning for -2% is 48 months

4. Seasonality factor for May is 1.06

So basically calculation of factors for all the 4 parameters.

Thanks

]]>Don

]]>Can you help demonstrate how – CPR for base factor, Likelihood for burnout, and seasonality Factors are arrived. I understand you mentioned in a previous comment that these are calculated using historical data, but can you illustrate how these are calculated using historical data?

Thanks

]]>I’m confused. This spreadsheet does allow for both rate changes and extra payments.

http://pistulka.com/Excel_Shared/AmortizationChangeRate.xlsx

Don

]]>Very informative and useful spreadsheet. Do you perhaps have the amortization schedule with both variable interest rate and extra payments template?. I would like to check how many months i can shave-off my mortgage by making random extra payments. My interest rate various from time to time.

]]>Thank you,

Paul