Personal Installment Loan Early Repayment Schedule Sample

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Please provide the following information to calculate the Monthly Repayment Amount and generate the example of Repayment Schedule:

Loan Amount

HK$

Monthly Flat Rate

Tenor (month)

Total Handling Fee¹

Please provide the following information to calculate which point of time the amount of interest saved by early repayment may not be enough to cover the relevant charges for early repayment:

Early Repayment Charge³

of outstanding loan principal or

HK$

(whichever is higher)

Calculate Reset

Fubon Personal Installment Loan Early Repayment Schedule

Example Regarding the Breakdown of Principal and Interest in the Monthly Repayment of Fubon Personal Instalment Loan

Loan Amount:

HK$ 300,000.00

Monthly Flat Rate:

0.098 %

Tenor (month):

Total Handling Fee:

5.6 %

Total Handling Fee Amount:

HK$ 200.00

Monthly Instalment Amount:

HK$ 1,033.33

Early Repayment Charge:

HK$ TODO

No. of Instalment

Monthly Instalment
Amount (HK$)

Interest Payment
(HK$)

Principal Payment
(HK$)

Outstanding Balance
(HK$)

4,666.88

1,253.08

5,919.96

295,333.12

35,429.49

6,000.00

4,686.37

1,233.59

5,919.96

290,646.74

34,195.90

5,906.66

4,705.95

1,214.01

5,919.96

285,940.79

32,981.89

5,812.93

4,725.61

1,194.36

5,919.96

281,215.19

31,787.53

5,718.82

4,745.34

1,174.62

5,919.96

276,469.84

30,612.91

5,624.30

4,765.17

1,154.80

5,919.96

271,704.68

29,458.11

5,529.40

4,785.07

1,134.89

5,919.96

266,919.61

28,323.21

5,434.09

4,805.06

1,114.91

5,919.96

262,114.55

27,208.31

5,338.39

4,825.13

1,094.84

5,919.96

257,289.43

26,113.47

5,242.29

4,845.28

1,074.68

5,919.96

252,444.15

25,038.79

5,145.79

4,865.52

1,054.44

5,919.96

247,578.63

23,984.34

5,048.88

4,885.84

1,034.12

5,919.96

242,692.78

22,950.22

4,951.57

4,906.25

1,013.71

5,919.96

237,786.53

21,936.51

4,853.86

4,926.74

993.22

5,919.96

232,859.79

20,943.28

4,755.73

4,947.32

972.64

5,919.96

227,912.47

19,970.64

4,657.20

4,967.99

951.98

5,919.96

222,944.48

19,018.67

4,558.25

4,988.74

931.23

5,919.96

217,955.74

18,087.44

4,458.89

5,009.58

910.39

5,919.96

212,946.17

17,177.05

4,359.11

5,030.50

889.46

5,919.96

207,915.67

16,287.59

4,258.92

5,051.51

868.45

5,919.96

202,864.16

15,419.13

4,158.31

5,072.61

847.35

5,919.96

197,791.54

14,571.78

4,057.28

5,093.80

826.16

5,919.96

192,697.74

13,745.62

3,955.83

5,115.08

804.89

5,919.96

187,582.67

12,940.73

3,853.95

5,136.44

783.52

5,919.96

182,446.22

12,157.21

3,751.65

5,157.90

762.07

5,919.96

177,288.33

11,395.14

3,648.92

5,179.44

740.52

5,919.96

172,108.89

10,654.62

3,545.77

5,201.08

718.89

5,919.96

166,907.81

9,935.73

3,442.18

5,222.80

697.16

5,919.96

161,685.01

9,238.57

3,338.16

5,244.62

675.35

5,919.96

156,440.40

8,563.22

3,233.70

5,266.52

653.44

5,919.96

151,173.88

7,909.77

3,128.81

5,288.52

631.44

5,919.96

145,885.36

7,278.33

3,023.48

5,310.61

609.35

5,919.96

140,574.75

6,668.97

2,917.71

5,332.79

587.17

5,919.96

135,241.96

6,081.80

2,811.49

5,355.07

564.90

5,919.96

129,886.89

5,516.90

2,704.84

5,377.43

542.53

5,919.96

124,509.46

4,974.37

2,597.74

5,399.90

520.07

5,919.96

119,109.56

4,454.30

2,490.19

5,422.45

497.51

5,919.96

113,687.11

3,956.79

2,382.19

5,445.10

474.86

5,919.96

108,242.01

3,481.93

2,273.74

5,467.84

452.12

5,919.96

102,774.17

3,029.81

2,164.84

5,490.68

429.28

5,919.96

97,283.48

2,600.52

2,055.48

5,513.62

406.35

5,919.96

91,769.87

2,194.18

1,945.67

5,536.65

383.32

5,919.96

86,233.22

1,810.86

1,835.40

5,559.77

360.19

5,919.96

80,673.45

1,450.67

1,724.66

5,583.00

336.97

5,919.96

75,090.45

1,113.70

1,613.47

5,606.32

313.65

5,919.96

69,484.14

800.05

1,501.81

5,629.73

290.23

5,919.96

63,854.40

509.82

1,389.68

5,653.25

266.72

5,919.96

58,201.16

243.10

1,277.09

5,676.86

243.10

5,919.96

52,524.29

1,164.02

Remarks:

Total Handling Fee % = Handling Fee % per annum X year of borrowing. For example, if the handling fee % per annum is 1%, loan tenor is 18 months, the Total Handling Fee % would be 1% X 1.5 years = 1.5%. Please input the respective personal loan product handling fee %. For details, please refer to related personal loan product page website.
Please select handling fee to be deducted from loan amount or repaid via monthly repayment (if applicable).
For details of early repayment charge, please refer to Fixed Term Personal Loan - List of Service Charges.
For the respective personal loan’s annualized percentage rate (APR), please refer to related personal loan product page website.
The Fubon Personal Instalment Loan Repayment Schedule sample is for reference only. The monthly instalment to settle the principal and interest amount of the loan is subject to reducing balance method at the Bank’s sole discretion. The actual allocation of principal and interest regarding individual loan account may slightly different.
The monthly instalment amount, interest payment, principal payment and outstanding balance are rounded up to 2 decimal places for presentation.
The above information is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement. No warranty or representation is given by the Bank as to its accuracy, completeness and/or fitness for a particular purpose. For the personal instalment loan application, please refer to the relevant Terms and Conditions and are subject to the Bank's approval.

To borrow or not to borrow? Borrow only if you can repay!

Remarks:

Total Handling Fee % = Handling Fee % per annum X year of borrowing. For example, if the handling fee % per annum is 1%, loan tenor is 18 months, the Total Handling Fee % would be 1% X 1.5 years = 1.5%. Please input the respective personal loan product handling fee %. For details, please refer to related personal loan product page website.
Please select handling fee to be deducted from loan amount or repaid via monthly repayment (if applicable).
For details of early repayment charge, please refer to Fixed Term Personal Loan - List of Service Charges.
For the respective personal loan’s annualized percentage rate (APR), please refer to related personal loan product page website.
The Fubon Personal Instalment Loan Repayment Schedule sample is for reference only. The monthly instalment to settle the principal and interest amount of the loan is subject to reducing balance method at the Bank’s sole discretion. The actual allocation of principal and interest regarding individual loan account may slightly different.
The monthly instalment amount, interest payment, principal payment and outstanding balance are rounded up to 2 decimal places for presentation.
The above information is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement. No warranty or representation is given by the Bank as to its accuracy, completeness and/or fitness for a particular purpose. For the personal instalment loan application, please refer to the relevant Terms and Conditions and are subject to the Bank's approval.