PROJECT IN

ENGINEERING ECONOMY
INTEREST RATE
De Vera, Edev Paula E.
Espenida, Sheila May C.
Tuyor, Rachelle Shaney Z.
BSECE 4B
MOTORCYCLE
SUZUKI GSX R150
All in Cash = P 156,000
D = P 35,000
n = 36 months
A = P 6,417
F = P 156,000 P
35,000
F = P121, 000
MOTORCYCLE

68
 MOTORCYCLE

Interest rate per year compounded
monthly = 48.12%
Interest rate per month compounded
monthly = 4.01%
MOTORCYCLE

Effective Interest rate =

60.84%
CAR

SRP: Php
2,600,000 Down 48 months 60 months
DP %
20% Php 520,000 Php 60,667 Php 51,414
30% Php 780,000 Php 53,083 Php 44,987
CAR
HONDA PILOT
All in Cash = P
2,600,000
D = P 520,000(20%)
n =48 months
A = P 60,667
F = P2,600,000
P520,000
F = P 2, 080, 000
 CAR

Interest rate per year compounded monthly =
17.64%
Interest rate per month compounded monthly =
1.47%
CAR

Effective Interest rate = 19.14%

CAR
HONDA PILOT
All in Cash = P
2,600,000
D = P 520,000(20%)
n =60 months
A = P 51,414
F = P2,600,000
P520,000
F = P 2, 080, 000
 CAR

Interest rate per year compounded monthly =
16.752%
Interest rate per month compounded monthly =
1.396%
CAR

Effective Interest rate = 18.1%

CAR
HONDA PILOT
All in Cash = P
2,600,000
D = P 780,000 (30%)
n =48 months
A = P 53,083
F = P2,600,000 P
780,000
F = P 1, 820, 000
 CAR

Interest rate per year compounded monthly =
17.64%
Interest rate per month compounded monthly =
1.47%
CAR

Effective Interest rate = 19.14%

CAR
HONDA PILOT
All in Cash = P
2,600,000
D = P 780,000 (30%)
n =60 months
A = P 44,987
F = P2,600,000 P
780,000
F = P 1, 820, 000
 CAR

Interest rate per year compounded monthly =
16.752%
Interest rate per month compounded monthly =
1.396%
CAR

Effective Interest rate = 18.1%

SRP: Php
2,600,000 48 60
Down
months months
DP %
Effective Interest
Rate
20% Php 520,000 19.14% 18.1%
30% Php 780,000 19.14% 18.1%
CASH LOAN
Cash Out = P 300,
000
n = 36 months
A = P 11, 933
CASH LOAN
CASH LOAN
Other Fees and Charges:
Processing Fee = P 1500
NOTE: Fees and charges are reduced to the loan
amount , therefore the total cash out for this type
of loan is P208500. But still, youll have to pay
the actual amount of P300000 pesos plus
interest.

CASH LOAN

Interest rate per year compounded monthly =
24.96%
Interest rate per month compounded monthly =
2.08%
CASH LOAN

i

Effective Interest rate = 28.02%

CASH LOAN
Cash Out = P 300,
000
n = 30 months
A = P 13, 600
CASH LOAN
CASH LOAN
Other Fees and Charges:
Processing Fee = P 1500
NOTE: Fees and charges are reduced to the loan
amount , therefore the total cash out for this type
of loan is P208500. But still, youll have to pay
the actual amount of P300000 pesos plus
interest.

CASH LOAN

Interest rate per year compounded monthly =
25.32%
Interest rate per month compounded monthly =
2.11%
CASH LOAN

i

Effective Interest rate = 28.48%

CASH LOAN
Cash Out = P 300,
000
n = 24 months
A = P 16, 100
CASH LOAN
CASH LOAN
Other Fees and Charges:
Processing Fee = P 1500
NOTE: Fees and charges are reduced to the loan
amount , therefore the total cash out for this type
of loan is P208500. But still, youll have to pay
the actual amount of P300000 pesos plus
interest.

CASH LOAN

Interest rate per year compounded monthly =
25.56%
Interest rate per month compounded monthly =
2.13%
CASH LOAN

i

Effective Interest rate = 28.78%

HOUSE House Model: Briana
Model
Inner Unit
4 Bedroom, 3 T&B, 1
Carport
Lot area 110sqm
Floor area 114sqm
Total Contract Price
3,752,000.00
10% D/payment
375,200.00

HOUSE
All in Cash = P
3,752,000
D = P375,200
n = 120 months
A = P 40,083.21
F = P3,752,000
P375,200
F = P 3,376,800.00
 HOUSE

Interest rate per year compounded monthly =
7.5%
Interest rate per month compounded monthly
= 0.62%
HOUSE

Effective Interest rate = 7.7%

HOUSE
All in Cash = P
3,752,000
D = P375,200
n = 180 months
A = P 31,303.35
F = P3,752,000
P375,200
F = P 3,376,800.00
 HOUSE

Interest rate per year compounded monthly =
7.5%
Interest rate per month compounded monthly
= 0.62%
HOUSE

Effective Interest rate = 7.7%

HOUSE
All in Cash = P
3,752,000
D = P375,200
n = 240 months
A = P 27,203.27
F = P3,752,000
P375,200
F = P 3,376,800.00
 HOUSE

Interest rate per year compounded monthly =
7.5%
Interest rate per month compounded monthly
= 0.62%
HOUSE

Effective Interest rate = 7.7%

CONDOMINIUM

2 Bedroom Condominium in Pasig

CONDOMINIUM
CONDOMINIUM
All in Cash = P
2,188,520
D = P437, 704 (20%)
n = 120 months
A = P 18, 570
F = P2,188,520 P437,
704 F = P 1, 750, 816
CONDOMINIUM

Interest rate per year compounded monthly =
5.04%
Interest rate per month compounded monthly
= 0.42%
CONDOMINIUM

Effective Interest rate = 5.16%

CONDOMINIUM
All in Cash = P
2,188,520
D = P437, 704 (20%)
n = 180 months
A = P 13, 845
F = P2,188,520 P437,
704 F = P 1, 750, 816
CONDOMINIUM

Interest rate per year compounded monthly =
5.04%
Interest rate per month compounded monthly
= 0.42%
CONDOMINIUM

Effective Interest rate = 5.16%

CONDOMINIUM
All in Cash = P
2,188,520
D = P437, 704 (20%)
n = 240 months
A = P 11, 555
F = P2,188,520 P437,
704 F = P 1, 750, 816
CONDOMINIUM

Interest rate per year compounded monthly =
5.04%
Interest rate per month compounded monthly
= 0.42%
CONDOMINIUM

Effective Interest rate = 5.16%

CREDIT CARD LOAN

Cash Out = P 300, 000 n = 36

months
CREDIT CARD LOAN
CREDIT CARD LOAN
Other Fees and Charges:
Processing Fee = P 1500
Stamp Duty: 1.00 for every
200.00 in excess of 250,000 of
the loan amount.
Therefore, 50000/200= P 2, 500
Total= P 4, 000
NOTE: Fees and charges are reduced
to the loan amount , therefore the total
cash out for this type of loan is
P206000. But still, youll have to pay
the actual amount of P300000 pesos
plus interest.
 CREDIT

CARD LOAN

Interest rate per year compounded monthly =
33.96%
Interest rate per month compounded monthly =
2.83%
CREDIT CARD LOAN

i

Effective Interest rate = 39.78%

CREDIT CARD LOAN

Cash Out = P 300, 000 n = 24

months
CREDIT CARD LOAN
CREDIT CARD LOAN
Other Fees and Charges:
Processing Fee = P 1500
Stamp Duty: 1.00 for every
200.00 in excess of 250,000 of
the loan amount.
Therefore, 50000/200= P 2, 500
Total= P 4, 000
NOTE: Fees and charges are reduced
to the loan amount , therefore the total
cash out for this type of loan is
P206000. But still, youll have to pay
the actual amount of P300000 pesos
plus interest.
 CREDIT

CARD LOAN

Interest rate per year compounded monthly =
33.24%
Interest rate per month compounded monthly =
2.77%
CREDIT CARD LOAN

i

Effective Interest rate = 38.8%