Amortization Factor Rate Tables

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The amortization factor rate tables below show the amortization factors for annual interest rates ranging from 5.75% per year up to 20% per year, with payment terms ranging from 1 year to 30 years to pay.

To calculate the monthly amortization for any loan balance, just multiply the loan balance with the amortization factor for the corresponding interest rate and amortization period on the table below.

Please keep in mind that the resulting monthly amortization is a combination of principal and interest.

Click here for an example: How to compute monthly amortization payments

Amortization factor rates table A: 1 Year to 5 Years

Interest Rate	1 year	2 years	3 years	4 years	5 years
5.75%	0.0859515644	0.0442080473	0.0303087908	0.0233705807	0.0192167682
5.88%	0.0860112837	0.0442665586	0.0303675949	0.0234300511	0.0192770522
6.00%	0.0860664297	0.0443206103	0.0304219375	0.0234850290	0.0193328015
6.25%	0.0861813806	0.0444333450	0.0305353415	0.0235998199	0.0194492617
6.50%	0.0862964170	0.0445462514	0.0306490029	0.0237149529	0.0195661482
6.75%	0.0864115388	0.0446593295	0.0307629214	0.0238304280	0.0196834607
7.00%	0.0865267461	0.0447725791	0.0308770969	0.0239462447	0.0198011985
7.25%	0.0866420388	0.0448860002	0.0309915292	0.0240624028	0.0199193614
7.50%	0.0867574169	0.0449995927	0.0311062182	0.0241789019	0.0200379486
7.75%	0.0868728803	0.0451133564	0.0312211636	0.0242957419	0.0201569598
8.00%	0.0869884291	0.0452272915	0.0313363655	0.0244129223	0.0202763943
8.25%	0.0871040631	0.0453413976	0.0314518234	0.0245304429	0.0203962517
8.50%	0.0872197825	0.0454556749	0.0315675374	0.0246483034	0.0205165313
8.75%	0.0873355870	0.0455701231	0.0316835072	0.0247665033	0.0206372327
9.00%	0.0874514768	0.0456847423	0.0317997327	0.0248850424	0.0207583552
9.25%	0.0875674517	0.0457995323	0.0319162136	0.0250039203	0.0208798983
9.50%	0.0876835118	0.0459144930	0.0320329497	0.0251231367	0.0210018613
9.75%	0.0877996570	0.0460296244	0.0321499410	0.0252426912	0.0211242437
10.00%	0.0879158872	0.0461449263	0.0322671872	0.0253625834	0.0212470447
10.25%	0.0880322026	0.0462603988	0.0323846881	0.0254828131	0.0213702638
10.50%	0.0881486029	0.0463760416	0.0325024435	0.0256033798	0.0214939004
10.75%	0.0882650882	0.0464918548	0.0326204532	0.0257242831	0.0216179537
11.00%	0.0883816585	0.0466078382	0.0327387171	0.0258455226	0.0217424231
11.25%	0.0884983137	0.0467239917	0.0328572349	0.0259670980	0.0218673079
11.50%	0.0886150539	0.0468403153	0.0329760064	0.0260890089	0.0219926074
11.75%	0.0887318789	0.0469568088	0.0330950315	0.0262112548	0.0221183209
12.00%	0.0888487887	0.0470734722	0.0332143098	0.0263338354	0.0222444477
12.25%	0.0889657833	0.0471903054	0.0333338413	0.0264567503	0.0223709870
12.50%	0.0890828627	0.0473073082	0.0334536256	0.0265799989	0.0224979382
12.75%	0.0892000269	0.0474244807	0.0335736626	0.0267035809	0.0226253005
13.00%	0.0893172757	0.0475418226	0.0336939520	0.0268274959	0.0227530730
13.25%	0.0894346092	0.0476593339	0.0338144937	0.0269517434	0.0228812552
13.50%	0.0895520274	0.0477770145	0.0339352873	0.0270763230	0.0230098460
13.75%	0.0896695302	0.0478948643	0.0340563328	0.0272012341	0.0231388449
14.00%	0.0897871176	0.0480128833	0.0341776298	0.0273264765	0.0232682508
14.25%	0.0899047895	0.0481310712	0.0342991781	0.0274520496	0.0233980632
14.50%	0.0900225460	0.0482494280	0.0344209774	0.0275779529	0.0235282811
14.75%	0.0901403869	0.0483679537	0.0345430277	0.0277041859	0.0236589037
15.00%	0.0902583123	0.0484866480	0.0346653285	0.0278307483	0.0237899301
15.25%	0.0903763222	0.0486055110	0.0347878797	0.0279576394	0.0239213595
15.50%	0.0904944164	0.0487245425	0.0349106810	0.0280848589	0.0240531911
15.75%	0.0906125950	0.0488437423	0.0350337322	0.0282124062	0.0241854239
16.00%	0.0907308579	0.0489631105	0.0351570330	0.0283402808	0.0243180571
16.25%	0.0908492051	0.0490826469	0.0352805832	0.0284684822	0.0244510898
16.50%	0.0909676365	0.0492023513	0.0354043826	0.0285970100	0.0245845211
16.75%	0.0910861522	0.0493222238	0.0355284307	0.0287258635	0.0247183501
17.00%	0.0912047521	0.0494422641	0.0356527275	0.0288550423	0.0248525758
17.25%	0.0913234361	0.0495624722	0.0357772727	0.0289845459	0.0249871973
17.50%	0.0914422043	0.0496828479	0.0359020659	0.0291143736	0.0251222137
17.75%	0.0915610566	0.0498033912	0.0360271069	0.0292445250	0.0252576241
18.00%	0.0916799929	0.0499241020	0.0361523955	0.0293749996	0.0253934274
18.25%	0.0917990133	0.0500449801	0.0362779314	0.0295057968	0.0255296228
18.50%	0.0919181176	0.0501660254	0.0364037143	0.0296369160	0.0256662092
18.75%	0.0920373060	0.0502872378	0.0365297439	0.0297683566	0.0258031856
19.00%	0.0921565782	0.0504086172	0.0366560200	0.0299001182	0.0259405511
19.25%	0.0922759344	0.0505301635	0.0367825423	0.0300322002	0.0260783047
19.50%	0.0923953744	0.0506518766	0.0369093105	0.0301646019	0.0262164454
19.75%	0.0925148983	0.0507737563	0.0370363242	0.0302973228	0.0263549720
20.00%	0.0926345059	0.0508958026	0.0371635834	0.0304303623	0.0264938837

Amortization factor rates table B: 6 Years to 10 Years

Interest Rate	6 years	7 years	8 years	9 years	10 years
5.75%	0.0164551320	0.0144890018	0.0130200387	0.0118824957	0.0109769220
5.88%	0.0165163014	0.0145510952	0.0130830781	0.0119464936	0.0110418848
6.00%	0.0165728879	0.0146085545	0.0131414302	0.0120057496	0.0111020502
6.25%	0.0166911540	0.0147286997	0.0132634954	0.0121297568	0.0112280097
6.50%	0.0168099296	0.0148494365	0.0133862326	0.0122545151	0.0113547977
6.75%	0.0169292140	0.0149707636	0.0135096404	0.0123800224	0.0114824114
7.00%	0.0170490065	0.0150926800	0.0136337171	0.0125062766	0.0116108479
7.25%	0.0171693062	0.0152151845	0.0137584610	0.0126332753	0.0117401041
7.50%	0.0172901123	0.0153382759	0.0138838706	0.0127610162	0.0118701769
7.75%	0.0174114241	0.0154619529	0.0140099439	0.0128894969	0.0120010631
8.00%	0.0175332406	0.0155862144	0.0141366793	0.0130187149	0.0121327594
8.25%	0.0176555611	0.0157110590	0.0142640748	0.0131486677	0.0122652625
8.50%	0.0177783846	0.0158364854	0.0143921286	0.0132793527	0.0123985689
8.75%	0.0179017103	0.0159624923	0.0145208387	0.0134107673	0.0125326750
9.00%	0.0180255372	0.0160890783	0.0146502033	0.0135429087	0.0126675774
9.25%	0.0181498643	0.0162162419	0.0147802202	0.0136757741	0.0128032722
9.50%	0.0182746908	0.0163439817	0.0149108873	0.0138093608	0.0129397558
9.75%	0.0184000156	0.0164722962	0.0150422027	0.0139436658	0.0130770242
10.00%	0.0185258378	0.0166011840	0.0151741641	0.0140786862	0.0132150737
10.25%	0.0186521562	0.0167306435	0.0153067693	0.0142144190	0.0133539002
10.50%	0.0187789700	0.0168606731	0.0154400162	0.0143508612	0.0134934997
10.75%	0.0189062779	0.0169912713	0.0155739024	0.0144880096	0.0136338680
11.00%	0.0190340790	0.0171224364	0.0157084257	0.0146258610	0.0137750011
11.25%	0.0191623721	0.0172541668	0.0158435836	0.0147644123	0.0139168947
11.50%	0.0192911562	0.0173864608	0.0159793738	0.0149036603	0.0140595444
11.75%	0.0194204300	0.0175193167	0.0161157939	0.0150436015	0.0142029459
12.00%	0.0195501925	0.0176527328	0.0162528414	0.0151842326	0.0143470948
12.25%	0.0196804425	0.0177867073	0.0163905138	0.0153255503	0.0144919867
12.50%	0.0198111787	0.0179212384	0.0165288086	0.0154675510	0.0146376169
12.75%	0.0199424000	0.0180563244	0.0166677233	0.0156102313	0.0147839809
13.00%	0.0200741052	0.0181919633	0.0168072551	0.0157535877	0.0149310740
13.25%	0.0202062930	0.0183281534	0.0169474014	0.0158976165	0.0150788916
13.50%	0.0203389622	0.0184648928	0.0170881597	0.0160423141	0.0152274289
13.75%	0.0204721114	0.0186021795	0.0172295271	0.0161876769	0.0153766812
14.00%	0.0206057395	0.0187400116	0.0173715010	0.0163337012	0.0155266435
14.25%	0.0207398450	0.0188783872	0.0175140786	0.0164803831	0.0156773111
14.50%	0.0208744268	0.0190173042	0.0176572571	0.0166277190	0.0158286789
14.75%	0.0210094833	0.0191567608	0.0178010336	0.0167757050	0.0159807422
15.00%	0.0211450133	0.0192967547	0.0179454053	0.0169243373	0.0161334957
15.25%	0.0212810155	0.0194372841	0.0180903693	0.0170736119	0.0162869346
15.50%	0.0214174883	0.0195783469	0.0182359228	0.0172235250	0.0164410537
15.75%	0.0215544305	0.0197199408	0.0183820626	0.0173740726	0.0165958479
16.00%	0.0216918406	0.0198620639	0.0185287860	0.0175252508	0.0167513121
16.25%	0.0218297172	0.0200047141	0.0186760898	0.0176770554	0.0169074412
16.50%	0.0219680587	0.0201478890	0.0188239712	0.0178294825	0.0170642299
16.75%	0.0221068639	0.0202915867	0.0189724269	0.0179825281	0.0172216730
17.00%	0.0222461311	0.0204358049	0.0191214541	0.0181361879	0.0173797652
17.25%	0.0223858590	0.0205805413	0.0192710495	0.0182904580	0.0175385013
17.50%	0.0225260460	0.0207257938	0.0194212100	0.0184453341	0.0176978760
17.75%	0.0226666905	0.0208715601	0.0195719326	0.0186008120	0.0178578840
18.00%	0.0228077911	0.0210178380	0.0197232141	0.0187568877	0.0180185199
18.25%	0.0229493462	0.0211646251	0.0198750513	0.0189135569	0.0181797784
18.50%	0.0230913543	0.0213119192	0.0200274410	0.0190708153	0.0183416541
18.75%	0.0232338137	0.0214597179	0.0201803799	0.0192286588	0.0185041416
19.00%	0.0233767230	0.0216080190	0.0203338649	0.0193870830	0.0186672355
19.25%	0.0235200805	0.0217568200	0.0204878928	0.0195460837	0.0188309305
19.50%	0.0236638845	0.0219061187	0.0206424601	0.0197056566	0.0189952210
19.75%	0.0238081336	0.0220559126	0.0207975638	0.0198657974	0.0191601018
20.00%	0.0239528261	0.0222061993	0.0209532004	0.0200265017	0.0193255672

Amortization factor rates table C: 11 Years to 15 Years

Interest Rate	11 years	12 years	13 years	14 years	15 years
5.75%	0.0102400281	0.0096296187	0.0091164798	0.0086797423	0.0083041009
5.88%	0.0103059580	0.0096965152	0.0091843402	0.0087485623	0.0083738745
6.00%	0.0103670346	0.0097585021	0.0092472344	0.0088123592	0.0084385683
6.25%	0.0104949488	0.0098883677	0.0093790437	0.0089461010	0.0085742287
6.50%	0.0106237671	0.0100192109	0.0095119019	0.0090809608	0.0087110737
6.75%	0.0107534858	0.0101510269	0.0096458031	0.0092169314	0.0088490946
7.00%	0.0108841009	0.0102838110	0.0097807414	0.0093540054	0.0089882827
7.25%	0.0110156087	0.0104175581	0.0099167106	0.0094921753	0.0091286288
7.50%	0.0111480051	0.0105522631	0.0100537042	0.0096314334	0.0092701236
7.75%	0.0112812859	0.0106879208	0.0101917159	0.0097717717	0.0094127575
8.00%	0.0114154469	0.0108245258	0.0103307388	0.0099131820	0.0095565208
8.25%	0.0115504837	0.0109620727	0.0104707663	0.0100556560	0.0097014036
8.50%	0.0116863919	0.0111005556	0.0106117912	0.0101991854	0.0098473956
8.75%	0.0118231668	0.0112399690	0.0107538066	0.0103437613	0.0099944865
9.00%	0.0119608039	0.0113803070	0.0108968051	0.0104893750	0.0101426658
9.25%	0.0120992985	0.0115215634	0.0110407794	0.0106360177	0.0102919229
9.50%	0.0122386455	0.0116637324	0.0111857219	0.0107836800	0.0104422468
9.75%	0.0123788402	0.0118068075	0.0113316250	0.0109323529	0.0105936266
10.00%	0.0125198775	0.0119507826	0.0114784809	0.0110820269	0.0107460512
10.25%	0.0126617522	0.0120956512	0.0116262818	0.0112326925	0.0108995092
10.50%	0.0128044593	0.0122414068	0.0117750196	0.0113843401	0.0110539892
10.75%	0.0129479933	0.0123880428	0.0119246863	0.0115369600	0.0112094798
11.00%	0.0130923490	0.0125355526	0.0120752736	0.0116905423	0.0113659693
11.25%	0.0132375210	0.0126839292	0.0122267733	0.0118450770	0.0115234460
11.50%	0.0133835037	0.0128331658	0.0123791769	0.0120005542	0.0116818981
11.75%	0.0135302915	0.0129832556	0.0125324761	0.0121569637	0.0118413136
12.00%	0.0136778788	0.0131341914	0.0126866622	0.0123142953	0.0120016806
12.25%	0.0138262599	0.0132859662	0.0128417267	0.0124725387	0.0121629871
12.50%	0.0139754290	0.0134385728	0.0129976607	0.0126316835	0.0123252208
12.75%	0.0141253803	0.0135920040	0.0131544557	0.0127917194	0.0124883698
13.00%	0.0142761079	0.0137462524	0.0133121026	0.0129526358	0.0126524217
13.25%	0.0144276058	0.0139013108	0.0134705927	0.0131144223	0.0128173643
13.50%	0.0145798680	0.0140571716	0.0136299170	0.0132770683	0.0129831854
13.75%	0.0147328885	0.0142138275	0.0137900665	0.0134405631	0.0131498727
14.00%	0.0148866612	0.0143712708	0.0139510322	0.0136048961	0.0133174139
14.25%	0.0150411798	0.0145294942	0.0141128049	0.0137700568	0.0134857966
14.50%	0.0151964383	0.0146884899	0.0142753757	0.0139360343	0.0136550086
14.75%	0.0153524303	0.0148482502	0.0144387353	0.0141028180	0.0138250376
15.00%	0.0155091496	0.0150087677	0.0146028746	0.0142703972	0.0139958712
15.25%	0.0156665898	0.0151700344	0.0147677844	0.0144387611	0.0141674972
15.50%	0.0158247447	0.0153320427	0.0149334556	0.0146078990	0.0143399034
15.75%	0.0159836077	0.0154947848	0.0150998788	0.0147778003	0.0145130775
16.00%	0.0161431726	0.0156582530	0.0152670448	0.0149484542	0.0146870074
16.25%	0.0163034328	0.0158224393	0.0154349445	0.0151198501	0.0148616810
16.50%	0.0164643820	0.0159873361	0.0156035685	0.0152919772	0.0150370861
16.75%	0.0166260135	0.0161529354	0.0157729077	0.0154648249	0.0152132107
17.00%	0.0167883209	0.0163192294	0.0159429529	0.0156383827	0.0153900429
17.25%	0.0169512977	0.0164862102	0.0161136947	0.0158126400	0.0155675708
17.50%	0.0171149373	0.0166538701	0.0162851241	0.0159875861	0.0157457825
17.75%	0.0172792331	0.0168222010	0.0164572317	0.0161632107	0.0159246662
18.00%	0.0174441787	0.0169911952	0.0166300085	0.0163395032	0.0161042104
18.25%	0.0176097673	0.0171608449	0.0168034454	0.0165164533	0.0162844033
18.50%	0.0177759924	0.0173311420	0.0169775331	0.0166940505	0.0164652336
18.75%	0.0179428475	0.0175020789	0.0171522626	0.0168722847	0.0166466897
19.00%	0.0181103258	0.0176736477	0.0173276249	0.0170511456	0.0168287603
19.25%	0.0182784209	0.0178458405	0.0175036109	0.0172306230	0.0170114342
19.50%	0.0184471261	0.0180186496	0.0176802117	0.0174107069	0.0171947003
19.75%	0.0186164348	0.0181920672	0.0178574183	0.0175913871	0.0173785476
20.00%	0.0187863404	0.0183660855	0.0180352218	0.0177726538	0.0175629650

Amortization factor rates table D: 16 Years to 20 Years

Interest Rate	16 years	17 years	18 years	19 years	20 years
5.75%	0.0079780747	0.0076928831	0.0074416954	0.0072191181	0.0070208351
5.88%	0.0080487950	0.0077645422	0.0075142845	0.0072926275	0.0070952546
6.00%	0.0081143786	0.0078310077	0.0075816232	0.0073608299	0.0071643106
6.25%	0.0082519413	0.0079704543	0.0077229336	0.0075039824	0.0073092820
6.50%	0.0083907527	0.0081112110	0.0078656129	0.0076485597	0.0074557314
6.75%	0.0085308025	0.0082532659	0.0080096470	0.0077945457	0.0076036401
7.00%	0.0086720802	0.0083966065	0.0081550217	0.0079419238	0.0077529894
7.25%	0.0088145750	0.0085412202	0.0083017221	0.0080906770	0.0079037598
7.50%	0.0089582759	0.0086870939	0.0084497333	0.0082407882	0.0080559319
7.75%	0.0091031715	0.0088342145	0.0085990399	0.0083922398	0.0082094856
8.00%	0.0092492503	0.0089825684	0.0087496262	0.0085450138	0.0083644007
8.25%	0.0093965004	0.0091321419	0.0089014765	0.0086990921	0.0085206565
8.50%	0.0095449100	0.0092829210	0.0090545745	0.0088544563	0.0086782323
8.75%	0.0096944668	0.0094348915	0.0092089040	0.0090110878	0.0088371071
9.00%	0.0098451584	0.0095880390	0.0093644484	0.0091689678	0.0089972596
9.25%	0.0099969723	0.0097423489	0.0095211908	0.0093280771	0.0091586683
9.50%	0.0101498957	0.0098978065	0.0096791145	0.0094883967	0.0093213119
9.75%	0.0103039157	0.0100543967	0.0098382023	0.0096499072	0.0094851685
10.00%	0.0104590193	0.0102121046	0.0099984370	0.0098125891	0.0096502165
10.25%	0.0106151933	0.0103709149	0.0101598012	0.0099764229	0.0098164339
10.50%	0.0107724244	0.0105308122	0.0103222776	0.0101413890	0.0099837989
10.75%	0.0109306991	0.0106917813	0.0104858485	0.0103074675	0.0101522895
11.00%	0.0110900040	0.0108538064	0.0106504964	0.0104746389	0.0103218839
11.25%	0.0112503254	0.0110168721	0.0108162036	0.0106428832	0.0104925601
11.50%	0.0114116496	0.0111809627	0.0109829524	0.0108121808	0.0106642963
11.75%	0.0115739628	0.0113460623	0.0111507251	0.0109825119	0.0108370706
12.00%	0.0117372513	0.0115121553	0.0113195038	0.0111538566	0.0110108613
12.25%	0.0119015010	0.0116792258	0.0114892709	0.0113261953	0.0111856468
12.50%	0.0120666981	0.0118472580	0.0116600087	0.0114995084	0.0113614055
12.75%	0.0122328286	0.0120162362	0.0118316994	0.0116737763	0.0115381160
13.00%	0.0123998784	0.0121861444	0.0120043253	0.0118489795	0.0117157571
13.25%	0.0125678337	0.0123569668	0.0121778689	0.0120250987	0.0118943077
13.50%	0.0127366804	0.0125286878	0.0123523127	0.0122021146	0.0120737468
13.75%	0.0129064044	0.0127012915	0.0125276391	0.0123800080	0.0122540538
14.00%	0.0130769918	0.0128747623	0.0127038309	0.0125587600	0.0124352081
14.25%	0.0132484286	0.0130490845	0.0128808707	0.0127383517	0.0126171894
14.50%	0.0134207008	0.0132242426	0.0130587414	0.0129187646	0.0127999777
14.75%	0.0135937946	0.0134002210	0.0132374260	0.0130999801	0.0129835530
15.00%	0.0137676961	0.0135770043	0.0134169075	0.0132819798	0.0131678958
15.25%	0.0139423914	0.0137545773	0.0135971693	0.0134647458	0.0133529868
15.50%	0.0141178669	0.0139329247	0.0137781947	0.0136482601	0.0135388069
15.75%	0.0142941087	0.0141120314	0.0139599673	0.0138325050	0.0137253373
16.00%	0.0144711034	0.0142918824	0.0141424707	0.0140174630	0.0139125594
16.25%	0.0146488373	0.0144724628	0.0143256889	0.0142031170	0.0141004551
16.50%	0.0148272971	0.0146537579	0.0145096058	0.0143894498	0.0142890064
16.75%	0.0150064693	0.0148357530	0.0146942059	0.0145764448	0.0144781956
17.00%	0.0151863407	0.0150184338	0.0148794734	0.0147640854	0.0146680055
17.25%	0.0153668981	0.0152017858	0.0150653931	0.0149523553	0.0148584190
17.50%	0.0155481286	0.0153857950	0.0152519497	0.0151412385	0.0150494193
17.75%	0.0157300190	0.0155704472	0.0154391283	0.0153307192	0.0152409901
18.00%	0.0159125567	0.0157557286	0.0156269142	0.0155207820	0.0154331152
18.25%	0.0160957289	0.0159416256	0.0158152927	0.0157114116	0.0156257790
18.50%	0.0162795230	0.0161281246	0.0160042497	0.0159025930	0.0158189658
18.75%	0.0164639266	0.0163152123	0.0161937709	0.0160943115	0.0160126606
19.00%	0.0166489273	0.0165028754	0.0163838424	0.0162865526	0.0162068485
19.25%	0.0168345131	0.0166911010	0.0165744507	0.0164793023	0.0164015151
19.50%	0.0170206718	0.0168798764	0.0167655823	0.0166725466	0.0165966461
19.75%	0.0172073915	0.0170691887	0.0169572239	0.0168662718	0.0167922276
20.00%	0.0173946605	0.0172590257	0.0171493627	0.0170604647	0.0169882461

Amortization factor rates table E: 21 Years to 25 Years

Interest Rate	21 years	22 years	23 years	24 years	25 years
5.75%	0.0068433516	0.0066838075	0.0065398392	0.0064094766	0.0062910640
5.88%	0.0069186703	0.0067600139	0.0066169214	0.0064874222	0.0063698602
6.00%	0.0069885692	0.0068307445	0.0066884720	0.0065597807	0.0064430140
6.25%	0.0071353352	0.0069792797	0.0068387498	0.0067117736	0.0065966938
6.50%	0.0072836293	0.0071293899	0.0069906467	0.0068654266	0.0067520716
6.75%	0.0074334304	0.0072810517	0.0071441364	0.0070207106	0.0069091153
7.00%	0.0075847171	0.0074342410	0.0072991922	0.0071775958	0.0070677920
7.25%	0.0077374678	0.0075889334	0.0074557868	0.0073360521	0.0072280686
7.50%	0.0078916601	0.0077451040	0.0076138926	0.0074960490	0.0073899118
7.75%	0.0080472716	0.0079027277	0.0077734817	0.0076575557	0.0075532876
8.00%	0.0082042796	0.0080617791	0.0079345259	0.0078205412	0.0077181622
8.25%	0.0083626608	0.0082222323	0.0080969967	0.0079849742	0.0078845013
8.50%	0.0085223921	0.0083840616	0.0082608654	0.0081508232	0.0080522708
8.75%	0.0086834497	0.0085472406	0.0084261033	0.0083180568	0.0082214364
9.00%	0.0088458102	0.0087117432	0.0085926815	0.0084866433	0.0083919636
9.25%	0.0090094494	0.0088775429	0.0087605709	0.0086565511	0.0085638184
9.50%	0.0091743436	0.0090446133	0.0089297426	0.0088277487	0.0087369666
9.75%	0.0093404685	0.0092129279	0.0091001675	0.0090002046	0.0089113742
10.00%	0.0095078001	0.0093824600	0.0092718166	0.0091738873	0.0090870075
10.25%	0.0096763141	0.0095531831	0.0094446611	0.0093487657	0.0092638328
10.50%	0.0098459865	0.0097250708	0.0096186723	0.0095248088	0.0094418171
10.75%	0.0100167930	0.0098980967	0.0097938214	0.0097019856	0.0096209272
11.00%	0.0101887095	0.0100722345	0.0099700800	0.0098802657	0.0098011308
11.25%	0.0103617120	0.0102474580	0.0101474200	0.0100596188	0.0099823955
11.50%	0.0105357766	0.0104237412	0.0103258132	0.0102400151	0.0101646896
11.75%	0.0107108793	0.0106010582	0.0105052320	0.0104214248	0.0103479819
12.00%	0.0108869965	0.0107793836	0.0106856488	0.0106038188	0.0105322414
12.25%	0.0110641046	0.0109586918	0.0108670366	0.0107871683	0.0107174379
12.50%	0.0112421803	0.0111389577	0.0110493685	0.0109714450	0.0109035414
12.75%	0.0114212003	0.0113201565	0.0112326181	0.0111566208	0.0110905227
13.00%	0.0116011418	0.0115022636	0.0114167592	0.0113426682	0.0112783530
13.25%	0.0117819820	0.0116852547	0.0116017662	0.0115295604	0.0114670043
13.50%	0.0119636984	0.0118691058	0.0117876137	0.0117172706	0.0116564488
13.75%	0.0121462688	0.0120537933	0.0119742768	0.0119057730	0.0118466597
14.00%	0.0123296711	0.0122392939	0.0121617311	0.0120950420	0.0120376104
14.25%	0.0125138838	0.0124255848	0.0123499526	0.0122850526	0.0122292753
14.50%	0.0126988854	0.0126126432	0.0125389176	0.0124757804	0.0124216292
14.75%	0.0128846549	0.0128004472	0.0127286030	0.0126672014	0.0126146474
15.00%	0.0130711714	0.0129889748	0.0129189861	0.0128592923	0.0128083061
15.25%	0.0132584147	0.0131782047	0.0131100448	0.0130520302	0.0130025820
15.50%	0.0134463645	0.0133681159	0.0133017574	0.0132453929	0.0131974524
15.75%	0.0136350010	0.0135586878	0.0134941026	0.0134393585	0.0133928951
16.00%	0.0138243050	0.0137499002	0.0136870597	0.0136339061	0.0135888889
16.25%	0.0140142572	0.0139417334	0.0138806083	0.0138290148	0.0137854127
16.50%	0.0142048391	0.0141341681	0.0140747287	0.0140246646	0.0139824465
16.75%	0.0143960322	0.0143271853	0.0142694016	0.0142208360	0.0141799705
17.00%	0.0145878184	0.0145207666	0.0144646082	0.0144175100	0.0143779658
17.25%	0.0147801803	0.0147148939	0.0146603300	0.0146146681	0.0145764139
17.50%	0.0149731006	0.0149095495	0.0148565494	0.0148122924	0.0147752970
17.75%	0.0151665622	0.0151047162	0.0150532487	0.0150103654	0.0149745977
18.00%	0.0153605488	0.0153003772	0.0152504113	0.0152088703	0.0151742994
18.25%	0.0155550442	0.0154965162	0.0154480205	0.0154077908	0.0153743859
18.50%	0.0157500324	0.0156931171	0.0156460605	0.0156071109	0.0155748415
18.75%	0.0159454983	0.0158901645	0.0158445156	0.0158068152	0.0157756512
19.00%	0.0161414265	0.0160876431	0.0160433708	0.0160068889	0.0159768003
19.25%	0.0163378026	0.0162855383	0.0162426115	0.0162073176	0.0161782749
19.50%	0.0165346120	0.0164838357	0.0164422235	0.0164080873	0.0163800613
19.75%	0.0167318409	0.0166825213	0.0166421929	0.0166091846	0.0165821464
20.00%	0.0169294756	0.0168815817	0.0168425065	0.0168105965	0.0167845177

Amortization factor rates table F: 26 Years to 30 Years

Interest Rate	26 years	27 years	28 years	29 years	30 years
5.75%	0.0061832001	0.0060846905	0.0059945113	0.0059117792	0.0058357286
5.88%	0.0062628337	0.0061651480	0.0060757788	0.0059938426	0.0059185736
6.00%	0.0063367699	0.0062398535	0.0061512402	0.0060700461	0.0059955053
6.25%	0.0064921076	0.0063968193	0.0063098038	0.0062301769	0.0061571720
6.50%	0.0066491781	0.0065555497	0.0064701608	0.0063921267	0.0063206802
6.75%	0.0068079460	0.0067160061	0.0066322691	0.0065558498	0.0064859810
7.00%	0.0069683756	0.0068781493	0.0067960861	0.0067213006	0.0066530250
7.25%	0.0071304306	0.0070419400	0.0069615694	0.0068884330	0.0068217628
7.50%	0.0072940744	0.0072073384	0.0071286759	0.0070572008	0.0069921451
7.75%	0.0074592703	0.0073743046	0.0072973626	0.0072275579	0.0071641225
8.00%	0.0076259811	0.0075427986	0.0074675864	0.0073994581	0.0073376457
8.25%	0.0077941700	0.0077127805	0.0076393045	0.0075728556	0.0075126660
8.50%	0.0079637998	0.0078842103	0.0078124739	0.0077477046	0.0076891348
8.75%	0.0081348334	0.0080570480	0.0079870520	0.0079239597	0.0078670041
9.00%	0.0083072338	0.0082312540	0.0081629964	0.0081015759	0.0080462262
9.25%	0.0084809641	0.0084067888	0.0083402652	0.0082805088	0.0082267543
9.50%	0.0086559878	0.0085836133	0.0085188167	0.0084607143	0.0084085421
9.75%	0.0088322683	0.0087616887	0.0086986098	0.0086421492	0.0085915441
10.00%	0.0090097696	0.0089409766	0.0088796040	0.0088247707	0.0087757157
10.25%	0.0091884559	0.0091214390	0.0090617591	0.0090085368	0.0089610130
10.50%	0.0093682918	0.0093030385	0.0092450357	0.0091934063	0.0091473929
10.75%	0.0095492424	0.0094857381	0.0094293953	0.0093793387	0.0093348136
11.00%	0.0097312730	0.0096695016	0.0096147995	0.0095662943	0.0095232340
11.25%	0.0099143498	0.0098542931	0.0098012113	0.0097542345	0.0097126139
11.50%	0.0100984392	0.0100400777	0.0099885940	0.0099431214	0.0099029143
11.75%	0.0102835082	0.0102268209	0.0101769118	0.0101329179	0.0100940973
12.00%	0.0104695246	0.0104144889	0.0103661298	0.0103235881	0.0102861260
12.25%	0.0106564565	0.0106030487	0.0105562138	0.0105150969	0.0104789643
12.50%	0.0108442729	0.0107924680	0.0107471306	0.0107074102	0.0106725776
12.75%	0.0110329433	0.0109827154	0.0109388478	0.0109004947	0.0108669321
13.00%	0.0112224377	0.0111737600	0.0111313337	0.0110943183	0.0110619952
13.25%	0.0114127271	0.0113655718	0.0113245577	0.0112888499	0.0112577352
13.50%	0.0116037829	0.0115581215	0.0115184899	0.0114840590	0.0114541218
13.75%	0.0117955773	0.0117513808	0.0117131014	0.0116799165	0.0116511253
14.00%	0.0119880832	0.0119453218	0.0119083641	0.0118763941	0.0118487175
14.25%	0.0121812743	0.0121399178	0.0121042508	0.0120734643	0.0120468709
14.50%	0.0123751247	0.0123351426	0.0123007352	0.0122711009	0.0122455593
14.75%	0.0125696094	0.0125309709	0.0124977918	0.0124692782	0.0124447572
15.00%	0.0127647042	0.0127273781	0.0126953959	0.0126679716	0.0126444402
15.25%	0.0129603854	0.0129243405	0.0128935238	0.0128671577	0.0128445850
15.50%	0.0131566300	0.0131218349	0.0130921525	0.0130668135	0.0130451692
15.75%	0.0133534159	0.0133198393	0.0132912598	0.0132669171	0.0132461710
16.00%	0.0135507215	0.0135183320	0.0134908244	0.0134674476	0.0134475700
16.25%	0.0137485258	0.0137172922	0.0136908257	0.0136683845	0.0136493462
16.50%	0.0139468087	0.0139166999	0.0138912439	0.0138697087	0.0138514808
16.75%	0.0141455506	0.0141165357	0.0140920600	0.0140714013	0.0140539557
17.00%	0.0143447326	0.0143167809	0.0142932555	0.0142734445	0.0142567534
17.25%	0.0145443364	0.0145174175	0.0144948131	0.0144758213	0.0144598576
17.50%	0.0147443444	0.0147184282	0.0146967156	0.0146785152	0.0146632523
17.75%	0.0149447395	0.0149197964	0.0148989469	0.0148815106	0.0148669225
18.00%	0.0151455052	0.0151215059	0.0151014915	0.0150847923	0.0150708537
18.25%	0.0153466258	0.0153235414	0.0153043344	0.0152883462	0.0152750324
18.50%	0.0155480860	0.0155258880	0.0155074613	0.0154921585	0.0154794453
18.75%	0.0157498710	0.0157285314	0.0157108585	0.0156962160	0.0156840801
19.00%	0.0159519667	0.0159314581	0.0159145129	0.0159005064	0.0158889249
19.25%	0.0161543594	0.0161346549	0.0161184120	0.0161050176	0.0160939685
19.50%	0.0163570361	0.0163381091	0.0163225438	0.0163097383	0.0162992000
19.75%	0.0165599841	0.0165418088	0.0165268967	0.0165146576	0.0165046094
20.00%	0.0167631913	0.0167457424	0.0167314599	0.0167197652	0.0167101869

Incoming search terms:

factor rate table, amortization table, factor rate table philippines, factor rate, monthly interest factor for 7 00%, pag-ibig amortization table, sales finance rate factor chart, amortization factor rate table, amortization fctor, how to calculate amortization factor

http://www.foreclosurephilippines.com/2009/11/amortization-payment-no-mortgage-calculator.html How to compute for the monthly amortization payment without a mortgage calculator | Foreclosure Philippines
[...] The amortization factor that corresponds to the payment term and annual interest rate. You can access a table of amortization factors here: Amortization Factors Table [...]
Teresita Roque
How do you compute for the amortization factors. Thanks. Hope to receive reply very soon.
http://www.foreclosurephilippines.com Jay Castillo
Hi Teresita,
The formula I use is as follows:
Amort factor=I/(1-(1+I)^-M)
where
I = the monthly interest rate which is equal to the annual interest rate divided by 12
M = the loan payment term in months
I use this formula in excel. I believe there is also a built in function in excel that can do this calculation but I haven’t tried that yet.
I got the formula above from my notes when I attended a seminar in real estate investing conducted by Urban Institute of real estate under Engineer Enrico Cruz.
Cristina
Where is the Urban Institute of Real Estate? How much is the seminar fee?
http://www.manilarealestate.freei.me jon
Excellent update, sir! thanks very much. I have this page bookmarked Keep up the good work.
OWNER
wow! thank you so much sir this is what i have been looking for yehey!!!
http://www.foreclosurephilippines.com Jay Castillo
Hi Cristina, please checkout their website to get more details about Urban Institute of Real Estate using this link: http://www.urban-institute.com/
http://www.foreclosurephilippines.com Jay Castillo
Thanks Jon!
http://www.foreclosurephilippines.com Jay Castillo
Thanks!
Jornelle0228
i just want to know if there’s a law that tells that this is the right formula in any terms of loan..even if u loan from the owner of the house that u’r going to buy?
http://www.foreclosurephilippines.com Jay Castillo
Hi Jornelle,
I believe there’s no law that imposes the amortization formula to be used for loans. This is just one of the many methods or standards that can be used. I suppose it is up to the lender to decide which method to use. I hope I have answered your question. Thanks for dropping by, cheers!
Vhik
Are these amortization factor rates used in the in-house financing of the developers or are these the rates used in the bank financing schemes?
joane
hi you have factorate 23%
joane
hi you can give factor rate at 23% thanks
joane
hi
you can give me a factor rate @ 23%
Toperior_bong
THANKS FOR THE INFO SIR