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1. PEMBELANJAAN PERUSAHAAN LECTURE 4b – SINGLE PAYMENT LOAN

2. SINGLE PAYMENT LOANS • Loan amount = \$ 100 • Interest rate = 12% (APR= Annual Percentage Rate) • Loan term = 3 months Calculate: • Interest is paid in arrears (at the end of the period or year) • Interest is paid in advance (Discount Loan) • 10% Compensating Balance is required • Compensating Balance is not required

3. Case 1 Interest in Arrears No Compensating Balance Case 2 Interest in Arrears 10% Compensating Balance SINGLE PAYMENT LOANS 100 103 90 93 0 0.25 Time 0 0.25 Time APR = (3/100)*(12/3) = 12.00% APY = (103/100) (12/3) – 1 = 12.55% APR = (3/90)*(12/3) = 13.33% APY = (93/90) (12/3) – 1 = 14.01%

4. Case 3 Discount Loan (Interest in Advance) No Compensating Balance Case 4 Discount Loan (Interest in Advance) 10% Compensating Balance SINGLE PAYMENT LOANS 97 100 87 90 0 0.25 Time 0 0.25 Time APR = (3/97)*(12/3) = 12.37% APY = (100/97) (12/3) – 1 = 12.96% APR = (3/87)*(12/3) = 13.79% APY = (90/87) (12/3) – 1 = 14.52%

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