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Divide by (1+i) if at beginning due. Another method of writing this kind of formula is: "The Caps" - bank of england exchange rate industry slang, there you could ask for the Caps of a loan, and if your broker or loan officer is intelligent enough to read the rate sheets they are quoting bank of england exchange rate it is ALWAYS displayed and available. This is basic stuff, the ABC's of mortgage lending, if you're working with someone that can't or won't explain this to you, go elsewhere. What's better? - The lower these numbers are, the better for
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