Results for “lending”

Level repayment for a loan (annuity formula), computed exactly and rounded once, the way you choose.

Loan-to-value ratio in basis points, and the band it falls in from a band table you supply.

What a one-off overpayment does to a loan: a shorter term at the same payment, or a lower payment over the same term.

Debt-to-income and a stressed-rate affordability test for a proposed loan's monthly repayment.

Consumer-credit APR from drawdowns and repayments, by the FCA CONC App 1.2.6 equation, to one decimal place.

Repayment schedule for a level-payment loan: interest, principal and balance per period, ending at exactly zero.

Early settlement figure and rebate on UK regulated consumer credit, per the Early Settlement Regulations 2004.

Interest accrued day by day on a changing balance under a day-count convention, summed exactly and rounded once.

Mortgage affordability: the loan-to-income multiple and a stress-tested repayment against income, both checked.

Pay a premium by monthly instalments: deposit, flat credit charge, instalments exact to the penny, and the APR.

Overdraft interest for a statement period from daily balances, with an interest-free buffer.

Statutory interest on a judgment debt (8% simple, daily) or a late commercial debt, England and Wales.

Profit on a sale with both the margin and the markup, so the two are never confused.

Employer match on a donation: a ratio in basis points, limited by a per-donor cap and a programme budget.

Split an amount across ratios without losing or inventing a single minor unit.

Compound interest accrued period by period in minor units, the way a statement is built.

Student loan or postgraduate loan deduction from one period's pay, by plan, rounded down to whole pounds.

Split an invoice across accounting periods by days of service, for accruals, prepayments and deferred income.

Loyalty points for a purchase: redeem in blocks, earn on what is paid, with tier multipliers.

A graduate's student or postgraduate loan repayment for a tax year, as Self Assessment works it out.

Early settlement discount available on a payment date under "2/10 net 30" style terms, and the amount to pay.

Share a tips pool (tronc) between staff by hours worked, points, or hours times points, exactly to the penny.

Split an amount into the part used and the part unused over a billing period, losing nothing.

Apply money held on account in client account to bills in order: what each bill takes, what stays due, what is left.

Apply a rate expressed in basis points to a monetary amount, with an explicit rounding mode.

Add, subtract and negate monetary amounts, refusing to mix currencies.

Apportion a service charge across units by lease fraction, floor area or fixed percentage, exact to the penny.

AER (annual equivalent rate) from a gross nominal rate and how often interest is paid, to two decimal places.

Allocate charity spending to restricted funds first, then unrestricted funds, never overdrawing a restricted fund.

Apply a monthly fee cap to a list of account charges: charge up to the cap, waive the rest.

Apply BOGOF, 3-for-2, percent off, amount off and multibuy deals to a basket, best for the customer, allocated to lines.

Reducing-balance depreciation schedule at a fixed rate, writing off to the residual value in the final year.

Refund for returned items, sharing basket discounts back across the sale so every refund is exact to the penny.

Apply a payment from a gift card, redeeming part of the balance or all of it, and say what is still due.

Convert an amount to another currency at a supplied exact rate, with an explicit rounding mode.

Selling price from a cost and a target margin or markup in basis points, with explicit rounding.

Customer lifetime value, LTV to CAC ratio and CAC payback months from ARPA, gross margin, churn and CAC.

Loss ratio, expense ratio and combined ratio in basis points, from earned premium, incurred claims and expenses.

Construction Industry Scheme deduction (0, 20 or 30%) on the labour part of a subcontractor payment.

Whether a Faster Payment fits the scheme maximum, the bank's per-payment limit and what is left of its daily limit.

Split an amount into n near-equal parts that add back up to exactly the whole.

Maximum holding deposit to reserve a rental property: one week's rent (annual rent ÷ 52), rounded down.

Tuition fee instalment schedule from a total, shares and due dates, exact to the penny.

Match bank statement lines to ledger entries by exact amount, a date window and reference similarity, deterministically.

Straight-line depreciation schedule whose charges sum exactly to cost less residual value.

Roof pitch in degrees, rafter length and roof slope area from span, rise and length.

Trial balance from journal lines: debit or credit balance per account, and proof that debits equal credits.

Rent for part of a month from the monthly rent, by the annual-daily or the calendar-month method.

Credit note against an original invoice, by units or by amount, with VAT at the original tax point's rates.

Delivery charge from a dated rate table by service, zone, chargeable weight and size, with a free-over threshold.