| 摘要 |
A method is disclosed for determining a repayment amount on a loan that is dependent on an initial value of a property. The method uses input data comprising the initial value of the property, a term for repayment of the loan, a first time for which the repayment amount is to be determined and a current value of the property at the first time. The current value of the property is compared (step 804 ) with the initial value of the property to determine whether there is a value-based loss or a value-based gain. The method checks (step 802 ) whether the first time is earlier than the term for repayment. In the event of a prepayment, the repayment amount is determined (step 806 ) independent of the current value of the property if there is a value-based loss (e.g. using the initial value of the property). The repayment amount is determined (step 808 ) dependent on the current value of the property if there is a value-based gain.
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