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Margill & Finance
Bonds, Banking, Lending, Leasing
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The choice of
thousands
- Mortgage
brokers
- Corporate lenders
- Loans
- Equipment, Auto & Truck finance / leasing
- Personal
loan companies
- Investors
- Law offices
- Government agencies
- SMEs and large corporations
- Insurance companies
- See also Financial
planning, Accounting, Real
Estate, Collection
Common finance-related calculations
- Corporate loans (regular and irregular payments at fixed or
variable interest rates, lump sums, fixed principal, interest
only...) using 30/360, Actual/Actual, Actual/365 or Actual/360
- Personal and Car (auto) loans including APR (Annual Percentage
Rate) calculation
- Lines of credit
- Mortgages (regular and irregular)
- Asset finance and leasing (equipment, trucks, cars)
- Calculation of bond premium (schedule of bond premium amortization
- effective interest method
- Calculation of bond discount
- Zero-coupon bonds
- Present value calculations (regular, irregular, indexed future
cash flows) for investment (equipment purchase, corporate acquisition)
Standards-based
- International standards and recognized principles for
the calculation of interest (Americas, Europe, Asia, Australia,
Africa)
- United States banking rules (Regulation Z, Truth in Lending
Act)
- European Community rules (Directive 98/7/CE)
- Canadian rules
- Day count conventions : Actual/actual (also known as
Actual/365), 30/360, Actual/360, Actual/365(Fixed)
- Actuarial rule (Normal amortization), Fixed capital and Interest
only
- APR (Annual Percentage Rate) calculation
- Simple and Compound interest
- Unique (fixed) or variable interest rates
- 4 decimal point accuracy
- Multi-currency
- Printed reports that include quarterly and /or annual and choice
of the financial year-end
- Export of the data to Excel,Word, XML, RTF
Highly
specialized features
(for total accuracy in Amortization)
Real-life examples of various
calculations
Click to see Margill examples:
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Fully exploit the power of Margill!
Once the amortization schedule is calculated,
use the right
mouse click to create totally custom payment schedules:
interest only, fixed principal, irregular payment amounts
and dates, lump sum, missed and extra payments, variable interest
rates, new principal, etc.
TOTAL flexibility available ONLY in Margill |
Multiple variable interest
rate tables and indexation tables included - OR create your own
- All variable interest rates can be incremented (or reduced)
by x% as of any date
For example, prime + 2,5% starting November 15, 2004
Central Bank interest tables
- United-States - Discount rate (Federal reserve)
- Great-Britain - Repo rate
- Canada - Target rate (preferential)
- Australia - Cash rate
- Hong Kong - Base rate
- Europe - Key rates - Deposit facility - European Central Bank
- South Africa - Prime rate
Late tax rates
- US Internal Revenue Service (IRS) underpayments
- Canada Revenue Agency (CRA) underpayments
Legal interest rates
USA (federal post-judgement interest rates), Canada (Ontario,
British Columbia, Quebec), Great-Britain, Australia, France, Belgium,
Luxembourg
Indexation tables:
- Inflation rates for various countries : USA, Canada, Great Britain,
Australia, France, Switzerland, Belgium, Luxembourg,
- Historical performance of Stock market indices (annual % change)
- Dow Jones Industrial Index, S&P 500, NASDAQ, FTSE (London),
Toronto Stock Exchange, Hong Kong Hang Seng, Bourse de Paris
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