• International Trade Centre

    ITC LoanCalc

    Export Impact for Good

    The objective of “LoanCalc” is to provide you with different amortization scenarios for your loan. This will help you understand total amounts to be paid to the lender depending on the chosen scenario, and the estimated impact on your future cash flow. It is recommended that you use LoanCalc prior to meeting with your bank in preparation to your negotiations. LoanCalc will help you understand which cash outflows over time will result from different terms (loan amounts, interest rates, maturities and fees). You will thereby be able to determine which terms and repayment scenarios are more suitable to your business needs. Once you have agreed on loan terms with your Bank, LoanCalc can also be used to refine your financial plan.

     Parameters
    Loan Amount?
    Annual Interest Rate (%)?
    Loan Duration (months)?
    Interest Rate Calculation Period?
    Start Date (month)?
    Grace Period (months)?
     Amortization Scenarios?
    1. Constant Payment: principal+interest / Grace Type: no grace period?
    2. Constant Payment: principal+interest / Grace Type: principal only?
    3. Constant Payment: principal+interest / Grace Type: principal+interest?
    4. Bullet Amortization (Constant Interest Payment) / Grace Type: principal only?
    5. Constant Principal Payment / Grace Type: no grace period?
    6. Constant Principal Payment / Grace Type: principal only?
    7. Constant Principal Payment / Grace Type: principal+interest?

    Case 1: Constant Payment: principal+interest / Grace Type: no grace period

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    Case 2: Constant Payment: principal+interest / Grace Type: principal only

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    Case 3: Constant Payment: principal+interest / Grace Type: principal+interest

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    Case 4: Constant Interest Payment / Grace Type: principal only

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    Case 5: Constant Principal Payment / Grace Type: no grace period

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    Case 6: Constant Principal Payment / Grace Type: principal only

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    Case 7: Constant Principal Payment / Grace Type: principal+interest

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     Fees?

    Please note that Appraisal Fee?, Commitment Fee? and Legal Charges? should be taken into account in calculating the ultimate cost of the loan. You can add the fees when you choose the “Export to Excel” option to see the total cash outflow relative to the loan.