Loan & Lease Calculator 4.2

Gareth Pugh – Freeware – iOS
av 5 röster

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Loan & Lease is a financial calculator application compatible with iPhone, iPad, and Mac. It offers synchronization of quotes across multiple devices when iCloud is activated. The app includes a range of features:
<ul>
<li>Solve For a Target: Calculate either the loan advance amount or payment values.</li>
<li>Deposit: Add an upfront payment at the beginning of the loan term.</li>
<li>Residual: Input the remaining balance at the end of the term.</li>
<li>Compounding: Customize the compounding method and frequency.</li>
<li>Cost of Funds and Margin: Specify the lender's required yield, broken down into CoF and Margin.</li>
<li>Initial Payments: Define the initial payment multiplier due on the start date.</li>
<li>Payment Frequency: Select the regular payment interval (Monthly, Quarterly, Semi-Annual, Annual).</li>
<li>Initial Pause: Set the months before the borrower's first regular payment.</li>
<li>Regular Payments: Determine the total payments excluding initial payments.</li>
<li>Terminal Pause: Indicate the months after the last regular payment for residual fees.</li>
<li>Subsidy: Note any funds received from vendors or partners.</li>
<li>Commission: Record any intermediary fees paid by the funder.</li>
<li>NPV: View the Net Present Value based on cash flows discounted using Cost Of Funds.</li>
</ul>
The app allows quote sharing by email and importing quotes from other users. Upgrading to the Professional Version via in-app purchase eliminates the update screen and unlocks additional features for all iOS and Mac devices:
<ul>
<li>Date of First Regular Payment: Select this date.</li>
<li>Seasonal Payment Profile: Adjust payments based on monthly variations.</li>
<li>Variable Payment Profile: Set fixed payments, add sundry payments (e.g., VAT deferral).</li>
<li>Project Drawdown Profile: Include extra loan amounts after initial advances.</li>
</ul>
The Terms of Use can be found at: <a href="https://www.loanandlease.net/terms">Terms of Use</a>.

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