| 摘要 |
A computer-implemented method for loan restructuring as well as a system for doing so. The method includes the steps receiving information relating to a user's first loan for an owner occupied property and a user's second loan for an investment property then receiving, via a network interface, a standard interest rate applicable to the loan and a minimum bank return interest rate for the combined first and second loan amounts. A calculation is preformed to determine the a minimum amount of interest payable within a predetermined period in relation to the combined first and second loan amounts, then selecting and applying a discounted interest rate and a premium interest rate that is greater than the discounted interest rate to the first and second loans respectively such that a combined amount of interest payable within said predetermined period is greater than or equal to the calculated minimum amount of interest payable. One then determines the saving over said predetermined loan period to the user resulting from applying the discounted interest rate to the first loan and the premium interest rate to the second loan as compared with applying the standard interest rate to both loans. - - - - - - 14EEEE"' ToalLon S$s ooo mommom//4Z% Tota~nnua"teres $NMRMIN 1 4$zO MOOR$EsfOO 1 Amount~M $ O 00.0$ sMO OO ~~'Ce~h~IN Intres RNe 64m WO/110f RON *RON Home Annua~~~~ Inters 7.V l4OO r ___________ Sa,, ubdu interest Rate 5.8aI6A42% HometAnnuaHntest $ 151AO $ 710~OD A mo u ts wmoo$Figimo |
