Illustrative customized payment schedule for fixed-rate BBA
| Period | Payment date | Instalment | Profit payment | COP payment | Outstanding selling price | Outstanding COP | Deferred profit (Rebate) |
|---|---|---|---|---|---|---|---|
| 0 | 30-06-2009 | – | – | – | 365135.97 | 200000.00 | 165135.97 |
| 1 | 31-07-2009 | 2028.53 | 1500.00 | 528.53 | 363107.44 | 199471.47 | 163635.97 |
| 2 | 31-08-2009 | 2028.53 | 1496.04 | 532.50 | 361078.91 | 198938.97 | 162139.93 |
| … | … | … | … | … | … | … | … |
| 48 | 30-06-2013 | 2028.53 | 1277.62 | 750.91 | 267766.53 | 169598.40 | 98167.98 |
| … | … | … | … | … | … | … | … |
| 180 | 30-06-2024 | 2028.53 | 15.10 | 2013.43 | 0.57 | 0.00 | 0.00 |
| Period | Payment date | Instalment | Profit payment | COP payment | Outstanding selling price | Outstanding COP | Deferred profit (Rebate) |
|---|---|---|---|---|---|---|---|
| 0 | 30-06-2009 | – | – | – | 365135.97 | 200000.00 | 165135.97 |
| 1 | 31-07-2009 | 2028.53 | 1500.00 | 528.53 | 363107.44 | 199471.47 | 163635.97 |
| 2 | 31-08-2009 | 2028.53 | 1496.04 | 532.50 | 361078.91 | 198938.97 | 162139.93 |
| … | … | … | … | … | … | … | … |
| 48 | 30-06-2013 | 2028.53 | 1277.62 | 750.91 | 267766.53 | 169598.40 | 98167.98 |
| … | … | … | … | … | … | … | … |
| 180 | 30-06-2024 | 2028.53 | 15.10 | 2013.43 | 0.57 | 0.00 | 0.00 |
Source(s): BNM (2013)
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