Mortgage terms & conditions

Tracker Contract details re: Bank ex. Building Society

1 Flat monthly capital amount is repaid ✖ no, less capital in early period, flat payments ✖ no, less capital in early period, flat payments
2 Base Rate △ Bank's Base Rate 〇 Bank of England
3 Set up admin fee 〇 Nil ✖ 600 pounds
4 Offset saving interest ✖ not in offer 〇 automatically set off
5 Unfixed inspection in value △ not described ✖ can be charged - depend on circumstances
6 Other anticipated charges ✖ can be charged to reflect lender's costs △ not described
7 Early repayment charge 〇 Nil 〇 Nil
8 Final repayment fee (Exit fee) ✖ 200 pounds but unknown in future 〇 Nil
9 Interest on a monthly basis with nil extra days ✖ no, on a daily basis ✖ no, on a daily basis

Note: The information is not fully comprehensive as the data is as of Dec 2007 and some can not be investigated further.

1. It seems there are no residential mortgages repaid by reducing monthly instalments in the UK, which reduce more capital balance in the
early stage of the mortgage life than the flat monthly repayment type. Quantitative example of comparison is in the page 2.

2. The bank restrict with the bank's base rate which normally be followed within a month. There are no reports if the Bank of England base
rate changes had been applied in due course, however, the lender said the bank normally had followed constantly in the past.

3. It can not be weighed just from these categories, as there are other reasons that it is impossible to predict, e.g.. The acts which do not
make sense - unexpected annual statements without capital/interest/balance amount each month are sent out and there are automatic
charges on the accounts which may not even recognise until receiving the next annual statement as of their mortgage fiscal year end.
Furthermore, there are only 2 balances each of interest and capital at the beginning and the end are shown in the annual statement which is
only the mortgage details to be issued to the clients.

4. The saving amount is subtracted from the mortgage account to calculate interest on the mortgage. If people have rump sum of savings, it
would be better as saving interest rates are normally lower than lending interest rates.

5 and 6. Even though the wordings do not specify terms in the categories, the lenders can add or change terms and conditions supported by
relevant evidences and regulations.

9. The 'Credit charges and APR' allows to omit interest on extra days when mortgages are set to be calculated on a monthly basis. However,
in most of advertisements of mortgages the daily basis of interest charge is taken as a pro. In our case, the lender charged 2 days, hundred
pounds unfairly for the weekend because the transaction for the advance was not executed in time for before the weekend, while the previous
lender also charged for the extended interest days, and they deny on their faults in not preparing for the importance events despite the well
advanced continuous seeks for schedule and the details confirmations by us.

Page 1
 Example Mortgage Repayment Schedule

1. Flat monthly capital repayment 2. Flat monthly total repayment Adverse B. (26,925)
- Available in Japan, but not seen in UK. Total 262,875 - Most residential mortgage type in UK. Total 289,800

Loan 150,000 Int. rate 6% No. months 300 Loan 150,000 Int. rate 6% No. months 300

No. Balance Interest Capital Repayment Balance No. Balance Interest Capital Repayment Balance Adverse
1 150,000 750 500 1,250 149,500 1 150,000 750 216 966 149,784
2 149,500 748 500 1,248 149,000 2 149,784 748 218 966 149,566
3 149,000 745 500 1,245 148,500 3 149,566 747 219 966 149,347
4 148,500 743 500 1,243 148,000 4 149,347 746 220 966 149,127
5 148,000 740 500 1,240 147,500 5 149,127 745 221 966 148,906
6 147,500 738 500 1,238 147,000 6 148,906 744 222 966 148,684
7 147,000 735 500 1,235 146,500 7 148,684 743 223 966 148,461
8 146,500 733 500 1,233 146,000 8 148,461 742 224 966 148,237
9 146,000 730 500 1,230 145,500 9 148,237 741 225 966 148,012
10 145,500 728 500 1,228 145,000 10 148,012 740 226 966 147,786
11 145,000 725 500 1,225 144,500 11 147,786 738 228 966 147,558
12 144,500 723 500 1,223 144,000 1 12 147,558 737 229 966 147,329 (3,329)
13 144,000 720 500 1,220 143,500 13 147,329 736 230 966 147,099
14 143,500 718 500 1,218 143,000 14 147,099 735 231 966 146,868
15 143,000 715 500 1,215 142,500 15 146,868 734 232 966 146,636
16 142,500 713 500 1,213 142,000 16 146,636 733 233 966 146,403
17 142,000 710 500 1,210 141,500 17 146,403 732 234 966 146,169
18 141,500 708 500 1,208 141,000 18 146,169 730 236 966 145,933
19 141,000 705 500 1,205 140,500 19 145,933 729 237 966 145,696
20 140,500 703 500 1,203 140,000 20 145,696 728 238 966 145,458
21 140,000 700 500 1,200 139,500 21 145,458 727 239 966 145,219
22 139,500 698 500 1,198 139,000 22 145,219 726 240 966 144,979
23 139,000 695 500 1,195 138,500 23 144,979 724 242 966 144,737
24 138,500 693 500 1,193 138,000 2 24 144,737 723 243 966 144,494 (6,494)
25 138,000 690 500 1,190 137,500 25 144,494 722 244 966 144,250
26 137,500 688 500 1,188 137,000 26 144,250 721 245 966 144,005
27 137,000 685 500 1,185 136,500 27 144,005 720 246 966 143,759
28 136,500 683 500 1,183 136,000 28 143,759 718 248 966 143,511
29 136,000 680 500 1,180 135,500 29 143,511 717 249 966 143,262
30 135,500 678 500 1,178 135,000 30 143,262 716 250 966 143,012
31 135,000 675 500 1,175 134,500 31 143,012 715 251 966 142,761
32 134,500 673 500 1,173 134,000 32 142,761 713 253 966 142,508
33 134,000 670 500 1,170 133,500 33 142,508 712 254 966 142,254
34 133,500 668 500 1,168 133,000 34 142,254 711 255 966 141,999
35 133,000 665 500 1,165 132,500 35 141,999 709 257 966 141,742
36 132,500 663 500 1,163 132,000 3 36 141,742 708 258 966 141,484 (9,484)
37 132,000 660 500 1,160 131,500 37 141,484 707 259 966 141,225
38 131,500 658 500 1,158 131,000 38 141,225 706 260 966 140,965
39 131,000 655 500 1,155 130,500 39 140,965 704 262 966 140,703
40 130,500 653 500 1,153 130,000 40 140,703 703 263 966 140,440
41 130,000 650 500 1,150 129,500 41 140,440 702 264 966 140,176
42 129,500 648 500 1,148 129,000 42 140,176 700 266 966 139,910
43 129,000 645 500 1,145 128,500 43 139,910 699 267 966 139,643
44 128,500 643 500 1,143 128,000 44 139,643 698 268 966 139,375
45 128,000 640 500 1,140 127,500 45 139,375 696 270 966 139,105
46 127,500 638 500 1,138 127,000 46 139,105 695 271 966 138,834
47 127,000 635 500 1,135 126,500 47 138,834 694 272 966 138,562
48 126,500 633 500 1,133 126,000 4 48 138,562 692 274 966 138,288 (12,288)
49 126,000 630 500 1,130 125,500 49 138,288 691 275 966 138,013
50 125,500 628 500 1,128 125,000 50 138,013 690 276 966 137,737
51 125,000 625 500 1,125 124,500 51 137,737 688 278 966 137,459
52 124,500 623 500 1,123 124,000 52 137,459 687 279 966 137,180
53 124,000 620 500 1,120 123,500 53 137,180 685 281 966 136,899
54 123,500 618 500 1,118 123,000 54 136,899 684 282 966 136,617
55 123,000 615 500 1,115 122,500 55 136,617 683 283 966 136,334
56 122,500 613 500 1,113 122,000 56 136,334 681 285 966 136,049
57 122,000 610 500 1,110 121,500 57 136,049 680 286 966 135,763
58 121,500 608 500 1,108 121,000 58 135,763 678 288 966 135,475
59 121,000 605 500 1,105 120,500 59 135,475 677 289 966 135,186
60 120,500 603 500 1,103 120,000 5 60 135,186 675 291 966 134,895 (14,895)
61 120,000 600 500 1,100 119,500 61 134,895 674 292 966 134,603
62 119,500 598 500 1,098 119,000 62 134,603 673 293 966 134,310
63 119,000 595 500 1,095 118,500 63 134,310 671 295 966 134,015
64 118,500 593 500 1,093 118,000 64 134,015 670 296 966 133,719
65 118,000 590 500 1,090 117,500 65 133,719 668 298 966 133,421
66 117,500 588 500 1,088 117,000 66 133,421 667 299 966 133,122
67 117,000 585 500 1,085 116,500 67 133,122 665 301 966 132,821
68 116,500 583 500 1,083 116,000 68 132,821 664 302 966 132,519
69 116,000 580 500 1,080 115,500 69 132,519 662 304 966 132,215
70 115,500 578 500 1,078 115,000 70 132,215 661 305 966 131,910
71 115,000 575 500 1,075 114,500 71 131,910 659 307 966 131,603
72 114,500 573 500 1,073 114,000 6 72 131,603 658 308 966 131,295 (17,295)
73 114,000 570 500 1,070 113,500 73 131,295 656 310 966 130,985
74 113,500 568 500 1,068 113,000 74 130,985 654 312 966 130,673
75 113,000 565 500 1,065 112,500 75 130,673 653 313 966 130,360
76 112,500 563 500 1,063 112,000 76 130,360 651 315 966 130,045
77 112,000 560 500 1,060 111,500 77 130,045 650 316 966 129,729
78 111,500 558 500 1,058 111,000 78 129,729 648 318 966 129,411
79 111,000 555 500 1,055 110,500 79 129,411 647 319 966 129,092
80 110,500 553 500 1,053 110,000 80 129,092 645 321 966 128,771
81 110,000 550 500 1,050 109,500 81 128,771 643 323 966 128,448
82 109,500 548 500 1,048 109,000 82 128,448 642 324 966 128,124
83 109,000 545 500 1,045 108,500 83 128,124 640 326 966 127,798
 84 108,500 543 500 1,043 108,000 7 84 127,798 638 328 966 127,470 (19,470)
85 108,000 540 500 1,040 107,500 85 127,470 637 329 966 127,141
86 107,500 538 500 1,038 107,000 86 127,141 635 331 966 126,810
87 107,000 535 500 1,035 106,500 87 126,810 634 332 966 126,478
88 106,500 533 500 1,033 106,000 88 126,478 632 334 966 126,144
89 106,000 530 500 1,030 105,500 89 126,144 630 336 966 125,808
90 105,500 528 500 1,028 105,000 90 125,808 629 337 966 125,471
91 105,000 525 500 1,025 104,500 91 125,471 627 339 966 125,132
92 104,500 523 500 1,023 104,000 92 125,132 625 341 966 124,791
93 104,000 520 500 1,020 103,500 93 124,791 623 343 966 124,448
94 103,500 518 500 1,018 103,000 94 124,448 622 344 966 124,104
95 103,000 515 500 1,015 102,500 95 124,104 620 346 966 123,758
96 102,500 513 500 1,013 102,000 8 96 123,758 618 348 966 123,410 (21,410)
97 102,000 510 500 1,010 101,500 97 123,410 617 349 966 123,061
98 101,500 508 500 1,008 101,000 98 123,061 615 351 966 122,710
99 101,000 505 500 1,005 100,500 99 122,710 613 353 966 122,357
100 100,500 503 500 1,003 100,000 100 122,357 611 355 966 122,002
101 100,000 500 500 1,000 99,500 101 122,002 610 356 966 121,646
102 99,500 498 500 998 99,000 102 121,646 608 358 966 121,288
103 99,000 495 500 995 98,500 103 121,288 606 360 966 120,928
104 98,500 493 500 993 98,000 104 120,928 604 362 966 120,566
105 98,000 490 500 990 97,500 105 120,566 602 364 966 120,202
106 97,500 488 500 988 97,000 106 120,202 601 365 966 119,837
107 97,000 485 500 985 96,500 107 119,837 599 367 966 119,470
108 96,500 483 500 983 96,000 9 108 119,470 597 369 966 119,101 (23,101)
109 96,000 480 500 980 95,500 109 119,101 595 371 966 118,730
110 95,500 478 500 978 95,000 110 118,730 593 373 966 118,357
111 95,000 475 500 975 94,500 111 118,357 591 375 966 117,982
112 94,500 473 500 973 94,000 112 117,982 589 377 966 117,605
113 94,000 470 500 970 93,500 113 117,605 588 378 966 117,227
114 93,500 468 500 968 93,000 114 117,227 586 380 966 116,847
115 93,000 465 500 965 92,500 115 116,847 584 382 966 116,465
116 92,500 463 500 963 92,000 116 116,465 582 384 966 116,081
117 92,000 460 500 960 91,500 117 116,081 580 386 966 115,695
118 91,500 458 500 958 91,000 118 115,695 578 388 966 115,307
119 91,000 455 500 955 90,500 119 115,307 576 390 966 114,917
120 90,500 453 500 953 90,000 10 120 114,917 574 392 966 114,525 (24,525)
121 90,000 450 500 950 89,500 121 114,525 572 394 966 114,131
122 89,500 448 500 948 89,000 122 114,131 570 396 966 113,735
123 89,000 445 500 945 88,500 123 113,735 568 398 966 113,337
124 88,500 443 500 943 88,000 124 113,337 566 400 966 112,937
125 88,000 440 500 940 87,500 125 112,937 564 402 966 112,535
126 87,500 438 500 938 87,000 126 112,535 562 404 966 112,131
127 87,000 435 500 935 86,500 127 112,131 560 406 966 111,725
128 86,500 433 500 933 86,000 128 111,725 558 408 966 111,317
129 86,000 430 500 930 85,500 129 111,317 556 410 966 110,907
130 85,500 428 500 928 85,000 130 110,907 554 412 966 110,495
131 85,000 425 500 925 84,500 131 110,495 552 414 966 110,081
132 84,500 423 500 923 84,000 11 132 110,081 550 416 966 109,665 (25,665)
133 84,000 420 500 920 83,500 133 109,665 548 418 966 109,247
134 83,500 418 500 918 83,000 134 109,247 546 420 966 108,827
135 83,000 415 500 915 82,500 135 108,827 544 422 966 108,405
136 82,500 413 500 913 82,000 136 108,405 542 424 966 107,981
137 82,000 410 500 910 81,500 137 107,981 539 427 966 107,554
138 81,500 408 500 908 81,000 138 107,554 537 429 966 107,125
139 81,000 405 500 905 80,500 139 107,125 535 431 966 106,694
140 80,500 403 500 903 80,000 140 106,694 533 433 966 106,261
141 80,000 400 500 900 79,500 141 106,261 531 435 966 105,826
142 79,500 398 500 898 79,000 142 105,826 529 437 966 105,389
143 79,000 395 500 895 78,500 143 105,389 526 440 966 104,949
144 78,500 393 500 893 78,000 12 144 104,949 524 442 966 104,507 (26,507)
145 78,000 390 500 890 77,500 145 104,507 522 444 966 104,063
146 77,500 388 500 888 77,000 146 104,063 520 446 966 103,617
147 77,000 385 500 885 76,500 147 103,617 518 448 966 103,169
148 76,500 383 500 883 76,000 148 103,169 515 451 966 102,718
149 76,000 380 500 880 75,500 149 102,718 513 453 966 102,265
150 75,500 378 500 878 75,000 150 102,265 511 455 966 101,810
151 75,000 375 500 875 74,500 151 101,810 509 457 966 101,353
152 74,500 373 500 873 74,000 152 101,353 506 460 966 100,893
153 74,000 370 500 870 73,500 153 100,893 504 462 966 100,431
154 73,500 368 500 868 73,000 154 100,431 502 464 966 99,967
155 73,000 365 500 865 72,500 155 99,967 499 467 966 99,500
156 72,500 363 500 863 72,000 13 156 99,500 497 469 966 99,031 (27,031)
157 72,000 360 500 860 71,500 157 99,031 495 471 966 98,560
158 71,500 358 500 858 71,000 158 98,560 492 474 966 98,086
159 71,000 355 500 855 70,500 159 98,086 490 476 966 97,610
160 70,500 353 500 853 70,000 160 97,610 488 478 966 97,132
161 70,000 350 500 850 69,500 161 97,132 485 481 966 96,651
162 69,500 348 500 848 69,000 162 96,651 483 483 966 96,168
163 69,000 345 500 845 68,500 163 96,168 480 486 966 95,682
164 68,500 343 500 843 68,000 164 95,682 478 488 966 95,194
165 68,000 340 500 840 67,500 165 95,194 475 491 966 94,703
166 67,500 338 500 838 67,000 166 94,703 473 493 966 94,210
167 67,000 335 500 835 66,500 167 94,210 471 495 966 93,715
168 66,500 333 500 833 66,000 14 168 93,715 468 498 966 93,217 (27,217)
169 66,000 330 500 830 65,500 169 93,217 466 500 966 92,717
170 65,500 328 500 828 65,000 170 92,717 463 503 966 92,214
171 65,000 325 500 825 64,500 171 92,214 461 505 966 91,709
172 64,500 323 500 823 64,000 172 91,709 458 508 966 91,201
173 64,000 320 500 820 63,500 173 91,201 456 510 966 90,691
174 63,500 318 500 818 63,000 174 90,691 453 513 966 90,178
175 63,000 315 500 815 62,500 175 90,178 450 516 966 89,662
176 62,500 313 500 813 62,000 176 89,662 448 518 966 89,144
177 62,000 310 500 810 61,500 177 89,144 445 521 966 88,623
178 61,500 308 500 808 61,000 178 88,623 443 523 966 88,100
179 61,000 305 500 805 60,500 179 88,100 440 526 966 87,574
180 60,500 303 500 803 60,000 15 180 87,574 437 529 966 87,045 (27,045)
181 60,000 300 500 800 59,500 181 87,045 435 531 966 86,514
182 59,500 298 500 798 59,000 182 86,514 432 534 966 85,980
183 59,000 295 500 795 58,500 183 85,980 429 537 966 85,443
184 58,500 293 500 793 58,000 184 85,443 427 539 966 84,904
185 58,000 290 500 790 57,500 185 84,904 424 542 966 84,362
186 57,500 288 500 788 57,000 186 84,362 421 545 966 83,817
187 57,000 285 500 785 56,500 187 83,817 419 547 966 83,270
188 56,500 283 500 783 56,000 188 83,270 416 550 966 82,720
189 56,000 280 500 780 55,500 189 82,720 413 553 966 82,167
190 55,500 278 500 778 55,000 190 82,167 410 556 966 81,611
191 55,000 275 500 775 54,500 191 81,611 408 558 966 81,053
192 54,500 273 500 773 54,000 16 192 81,053 405 561 966 80,492 (26,492)
193 54,000 270 500 770 53,500 193 80,492 402 564 966 79,928
194 53,500 268 500 768 53,000 194 79,928 399 567 966 79,361
195 53,000 265 500 765 52,500 195 79,361 396 570 966 78,791
196 52,500 263 500 763 52,000 196 78,791 393 573 966 78,218
197 52,000 260 500 760 51,500 197 78,218 391 575 966 77,643
198 51,500 258 500 758 51,000 198 77,643 388 578 966 77,065
199 51,000 255 500 755 50,500 199 77,065 385 581 966 76,484
200 50,500 253 500 753 50,000 200 76,484 382 584 966 75,900
201 50,000 250 500 750 49,500 201 75,900 379 587 966 75,313
202 49,500 248 500 748 49,000 202 75,313 376 590 966 74,723
203 49,000 245 500 745 48,500 203 74,723 373 593 966 74,130
204 48,500 243 500 743 48,000 17 204 74,130 370 596 966 73,534 (25,534)
205 48,000 240 500 740 47,500 205 73,534 367 599 966 72,935
206 47,500 238 500 738 47,000 206 72,935 364 602 966 72,333
207 47,000 235 500 735 46,500 207 72,333 361 605 966 71,728
208 46,500 233 500 733 46,000 208 71,728 358 608 966 71,120
209 46,000 230 500 730 45,500 209 71,120 355 611 966 70,509
210 45,500 228 500 728 45,000 210 70,509 352 614 966 69,895
211 45,000 225 500 725 44,500 211 69,895 349 617 966 69,278
212 44,500 223 500 723 44,000 212 69,278 346 620 966 68,658
213 44,000 220 500 720 43,500 213 68,658 343 623 966 68,035
214 43,500 218 500 718 43,000 214 68,035 340 626 966 67,409
215 43,000 215 500 715 42,500 215 67,409 337 629 966 66,780
216 42,500 213 500 713 42,000 18 216 66,780 333 633 966 66,147 (24,147)
217 42,000 210 500 710 41,500 217 66,147 330 636 966 65,511
218 41,500 208 500 708 41,000 218 65,511 327 639 966 64,872
219 41,000 205 500 705 40,500 219 64,872 324 642 966 64,230
220 40,500 203 500 703 40,000 220 64,230 321 645 966 63,585
221 40,000 200 500 700 39,500 221 63,585 317 649 966 62,936
222 39,500 198 500 698 39,000 222 62,936 314 652 966 62,284
223 39,000 195 500 695 38,500 223 62,284 311 655 966 61,629
224 38,500 193 500 693 38,000 224 61,629 308 658 966 60,971
225 38,000 190 500 690 37,500 225 60,971 304 662 966 60,309
226 37,500 188 500 688 37,000 226 60,309 301 665 966 59,644
227 37,000 185 500 685 36,500 227 59,644 298 668 966 58,976
228 36,500 183 500 683 36,000 19 228 58,976 294 672 966 58,304 (22,304)
229 36,000 180 500 680 35,500 229 58,304 291 675 966 57,629
230 35,500 178 500 678 35,000 230 57,629 288 678 966 56,951
231 35,000 175 500 675 34,500 231 56,951 284 682 966 56,269
232 34,500 173 500 673 34,000 232 56,269 281 685 966 55,584
233 34,000 170 500 670 33,500 233 55,584 277 689 966 54,895
234 33,500 168 500 668 33,000 234 54,895 274 692 966 54,203
235 33,000 165 500 665 32,500 235 54,203 271 695 966 53,508
236 32,500 163 500 663 32,000 236 53,508 267 699 966 52,809
237 32,000 160 500 660 31,500 237 52,809 264 702 966 52,107
238 31,500 158 500 658 31,000 238 52,107 260 706 966 51,401
239 31,000 155 500 655 30,500 239 51,401 257 709 966 50,692
240 30,500 153 500 653 30,000 20 240 50,692 253 713 966 49,979 (19,979)
241 30,000 150 500 650 29,500 241 49,979 249 717 966 49,262
242 29,500 148 500 648 29,000 242 49,262 246 720 966 48,542
243 29,000 145 500 645 28,500 243 48,542 242 724 966 47,818
244 28,500 143 500 643 28,000 244 47,818 239 727 966 47,091
245 28,000 140 500 640 27,500 245 47,091 235 731 966 46,360
246 27,500 138 500 638 27,000 246 46,360 231 735 966 45,625
247 27,000 135 500 635 26,500 247 45,625 228 738 966 44,887
248 26,500 133 500 633 26,000 248 44,887 224 742 966 44,145
249 26,000 130 500 630 25,500 249 44,145 220 746 966 43,399
250 25,500 128 500 628 25,000 250 43,399 216 750 966 42,649
251 25,000 125 500 625 24,500 251 42,649 213 753 966 41,896
252 24,500 123 500 623 24,000 21 252 41,896 209 757 966 41,139 (17,139)
253 24,000 120 500 620 23,500 253 41,139 205 761 966 40,378
254 23,500 118 500 618 23,000 254 40,378 201 765 966 39,613
255 23,000 115 500 615 22,500 255 39,613 198 768 966 38,845
256 22,500 113 500 613 22,000 256 38,845 194 772 966 38,073
257 22,000 110 500 610 21,500 257 38,073 190 776 966 37,297
258 21,500 108 500 608 21,000 258 37,297 186 780 966 36,517
259 21,000 105 500 605 20,500 259 36,517 182 784 966 35,733
260 20,500 103 500 603 20,000 260 35,733 178 788 966 34,945
261 20,000 100 500 600 19,500 261 34,945 174 792 966 34,153
262 19,500 98 500 598 19,000 262 34,153 170 796 966 33,357
263 19,000 95 500 595 18,500 263 33,357 166 800 966 32,557
264 18,500 93 500 593 18,000 22 264 32,557 162 804 966 31,753 (13,753)
265 18,000 90 500 590 17,500 265 31,753 158 808 966 30,945
266 17,500 88 500 588 17,000 266 30,945 154 812 966 30,133
267 17,000 85 500 585 16,500 267 30,133 150 816 966 29,317
268 16,500 83 500 583 16,000 268 29,317 146 820 966 28,497
269 16,000 80 500 580 15,500 269 28,497 142 824 966 27,673
 270 15,500 78 500 578 15,000 270 27,673 138 828 966 26,845
271 15,000 75 500 575 14,500 271 26,845 134 832 966 26,013
272 14,500 73 500 573 14,000 272 26,013 130 836 966 25,177
273 14,000 70 500 570 13,500 273 25,177 125 841 966 24,336
274 13,500 68 500 568 13,000 274 24,336 121 845 966 23,491
275 13,000 65 500 565 12,500 275 23,491 117 849 966 22,642
276 12,500 63 500 563 12,000 23 276 22,642 113 853 966 21,789 (9,789)
277 12,000 60 500 560 11,500 277 21,789 108 858 966 20,931
278 11,500 58 500 558 11,000 278 20,931 104 862 966 20,069
279 11,000 55 500 555 10,500 279 20,069 100 866 966 19,203
280 10,500 53 500 553 10,000 280 19,203 96 870 966 18,333
281 10,000 50 500 550 9,500 281 18,333 91 875 966 17,458
282 9,500 48 500 548 9,000 282 17,458 87 879 966 16,579
283 9,000 45 500 545 8,500 283 16,579 82 884 966 15,695
284 8,500 43 500 543 8,000 284 15,695 78 888 966 14,807
285 8,000 40 500 540 7,500 285 14,807 74 892 966 13,915
286 7,500 38 500 538 7,000 286 13,915 69 897 966 13,018
287 7,000 35 500 535 6,500 287 13,018 65 901 966 12,117
288 6,500 33 500 533 6,000 24 288 12,117 60 906 966 11,211 (5,211)
289 6,000 30 500 530 5,500 289 11,211 56 910 966 10,301
290 5,500 28 500 528 5,000 290 10,301 51 915 966 9,386
291 5,000 25 500 525 4,500 291 9,386 46 920 966 8,466
292 4,500 23 500 523 4,000 292 8,466 42 924 966 7,542
293 4,000 20 500 520 3,500 293 7,542 37 929 966 6,613
294 3,500 18 500 518 3,000 294 6,613 33 933 966 5,680
295 3,000 15 500 515 2,500 295 5,680 28 938 966 4,742
296 2,500 13 500 513 2,000 296 4,742 23 943 966 3,799
297 2,000 10 500 510 1,500 297 3,799 18 948 966 2,851
298 1,500 8 500 508 1,000 298 2,851 14 952 966 1,899
299 1,000 5 500 505 500 299 1,899 9 957 966 942
300 500 3 500 503 0 25 300 942 4 962 966 (20)
Total 112,875 150,000 262,875 Total 139,780 150,020 289,800 (26,925)
 Example Mortgage Repayment Schedule

1. Flat monthly capital repayment 2. Flat monthly total repayment Adverse B. (6,863)
- Available in Japan, but not seen in UK. Total 206,438 - Most residential mortgage type in UK. Total 213,300

Loan 150,000 Int. rate 3% No. months 300 Loan 150,000 Int. rate 3% No. months 300

No. Balance Interest Capital Repayment Balance No. Balance Interest Capital Repayment Balance Adverse
1 150,000 375 500 875 149,500 1 150,000 375 336 711 149,664
2 149,500 374 500 874 149,000 2 149,664 374 337 711 149,327
3 149,000 373 500 873 148,500 3 149,327 373 338 711 148,989
4 148,500 371 500 871 148,000 4 148,989 372 339 711 148,650
5 148,000 370 500 870 147,500 5 148,650 371 340 711 148,310
6 147,500 369 500 869 147,000 6 148,310 370 341 711 147,969
7 147,000 368 500 868 146,500 7 147,969 369 342 711 147,627
8 146,500 366 500 866 146,000 8 147,627 369 342 711 147,285
9 146,000 365 500 865 145,500 9 147,285 368 343 711 146,942
10 145,500 364 500 864 145,000 10 146,942 367 344 711 146,598
11 145,000 363 500 863 144,500 11 146,598 366 345 711 146,253
12 144,500 361 500 861 144,000 1 12 146,253 365 346 711 145,907 (1,907)
13 144,000 360 500 860 143,500 13 145,907 364 347 711 145,560
14 143,500 359 500 859 143,000 14 145,560 363 348 711 145,212
15 143,000 358 500 858 142,500 15 145,212 363 348 711 144,864
16 142,500 356 500 856 142,000 16 144,864 362 349 711 144,515
17 142,000 355 500 855 141,500 17 144,515 361 350 711 144,165
18 141,500 354 500 854 141,000 18 144,165 360 351 711 143,814
19 141,000 353 500 853 140,500 19 143,814 359 352 711 143,462
20 140,500 351 500 851 140,000 20 143,462 358 353 711 143,109
21 140,000 350 500 850 139,500 21 143,109 357 354 711 142,755
22 139,500 349 500 849 139,000 22 142,755 356 355 711 142,400
23 139,000 348 500 848 138,500 23 142,400 356 355 711 142,045
24 138,500 346 500 846 138,000 2 24 142,045 355 356 711 141,689 (3,689)
25 138,000 345 500 845 137,500 25 141,689 354 357 711 141,332
26 137,500 344 500 844 137,000 26 141,332 353 358 711 140,974
27 137,000 343 500 843 136,500 27 140,974 352 359 711 140,615
28 136,500 341 500 841 136,000 28 140,615 351 360 711 140,255
29 136,000 340 500 840 135,500 29 140,255 350 361 711 139,894
30 135,500 339 500 839 135,000 30 139,894 349 362 711 139,532
31 135,000 338 500 838 134,500 31 139,532 348 363 711 139,169
32 134,500 336 500 836 134,000 32 139,169 347 364 711 138,805
33 134,000 335 500 835 133,500 33 138,805 347 364 711 138,441
34 133,500 334 500 834 133,000 34 138,441 346 365 711 138,076
35 133,000 333 500 833 132,500 35 138,076 345 366 711 137,710
36 132,500 331 500 831 132,000 3 36 137,710 344 367 711 137,343 (5,343)
37 132,000 330 500 830 131,500 37 137,343 343 368 711 136,975
38 131,500 329 500 829 131,000 38 136,975 342 369 711 136,606
39 131,000 328 500 828 130,500 39 136,606 341 370 711 136,236
40 130,500 326 500 826 130,000 40 136,236 340 371 711 135,865
41 130,000 325 500 825 129,500 41 135,865 339 372 711 135,493
42 129,500 324 500 824 129,000 42 135,493 338 373 711 135,120
43 129,000 323 500 823 128,500 43 135,120 337 374 711 134,746
44 128,500 321 500 821 128,000 44 134,746 336 375 711 134,371
45 128,000 320 500 820 127,500 45 134,371 335 376 711 133,995
46 127,500 319 500 819 127,000 46 133,995 334 377 711 133,618
47 127,000 318 500 818 126,500 47 133,618 334 377 711 133,241
48 126,500 316 500 816 126,000 4 48 133,241 333 378 711 132,863 (6,863)
49 126,000 315 500 815 125,500 49 132,863 332 379 711 132,484
50 125,500 314 500 814 125,000 50 132,484 331 380 711 132,104
51 125,000 313 500 813 124,500 51 132,104 330 381 711 131,723
52 124,500 311 500 811 124,000 52 131,723 329 382 711 131,341
53 124,000 310 500 810 123,500 53 131,341 328 383 711 130,958
54 123,500 309 500 809 123,000 54 130,958 327 384 711 130,574
55 123,000 308 500 808 122,500 55 130,574 326 385 711 130,189
56 122,500 306 500 806 122,000 56 130,189 325 386 711 129,803
57 122,000 305 500 805 121,500 57 129,803 324 387 711 129,416
58 121,500 304 500 804 121,000 58 129,416 323 388 711 129,028
59 121,000 303 500 803 120,500 59 129,028 322 389 711 128,639
60 120,500 301 500 801 120,000 5 60 128,639 321 390 711 128,249 (8,249)
61 120,000 300 500 800 119,500 61 128,249 320 391 711 127,858
62 119,500 299 500 799 119,000 62 127,858 319 392 711 127,466
63 119,000 298 500 798 118,500 63 127,466 318 393 711 127,073
64 118,500 296 500 796 118,000 64 127,073 317 394 711 126,679
65 118,000 295 500 795 117,500 65 126,679 316 395 711 126,284
66 117,500 294 500 794 117,000 66 126,284 315 396 711 125,888
67 117,000 293 500 793 116,500 67 125,888 314 397 711 125,491
68 116,500 291 500 791 116,000 68 125,491 313 398 711 125,093
69 116,000 290 500 790 115,500 69 125,093 312 399 711 124,694
70 115,500 289 500 789 115,000 70 124,694 311 400 711 124,294
71 115,000 288 500 788 114,500 71 124,294 310 401 711 123,893
72 114,500 286 500 786 114,000 6 72 123,893 309 402 711 123,491 (9,491)
73 114,000 285 500 785 113,500 73 123,491 308 403 711 123,088
74 113,500 284 500 784 113,000 74 123,088 307 404 711 122,684
75 113,000 283 500 783 112,500 75 122,684 306 405 711 122,279
76 112,500 281 500 781 112,000 76 122,279 305 406 711 121,873
77 112,000 280 500 780 111,500 77 121,873 304 407 711 121,466
78 111,500 279 500 779 111,000 78 121,466 303 408 711 121,058
79 111,000 278 500 778 110,500 79 121,058 302 409 711 120,649
80 110,500 276 500 776 110,000 80 120,649 301 410 711 120,239
81 110,000 275 500 775 109,500 81 120,239 300 411 711 119,828
82 109,500 274 500 774 109,000 82 119,828 299 412 711 119,416
83 109,000 273 500 773 108,500 83 119,416 298 413 711 119,003
84 108,500 271 500 771 108,000 7 84 119,003 297 414 711 118,589 (10,589)
 85 108,000 270 500 770 107,500 85 118,589 296 415 711 118,174
86 107,500 269 500 769 107,000 86 118,174 295 416 711 117,758
87 107,000 268 500 768 106,500 87 117,758 294 417 711 117,341
88 106,500 266 500 766 106,000 88 117,341 293 418 711 116,923
89 106,000 265 500 765 105,500 89 116,923 292 419 711 116,504
90 105,500 264 500 764 105,000 90 116,504 291 420 711 116,084
91 105,000 263 500 763 104,500 91 116,084 290 421 711 115,663
92 104,500 261 500 761 104,000 92 115,663 289 422 711 115,241
93 104,000 260 500 760 103,500 93 115,241 288 423 711 114,818
94 103,500 259 500 759 103,000 94 114,818 287 424 711 114,394
95 103,000 258 500 758 102,500 95 114,394 285 426 711 113,968
96 102,500 256 500 756 102,000 8 96 113,968 284 427 711 113,541 (11,541)
97 102,000 255 500 755 101,500 97 113,541 283 428 711 113,113
98 101,500 254 500 754 101,000 98 113,113 282 429 711 112,684
99 101,000 253 500 753 100,500 99 112,684 281 430 711 112,254
100 100,500 251 500 751 100,000 100 112,254 280 431 711 111,823
101 100,000 250 500 750 99,500 101 111,823 279 432 711 111,391
102 99,500 249 500 749 99,000 102 111,391 278 433 711 110,958
103 99,000 248 500 748 98,500 103 110,958 277 434 711 110,524
104 98,500 246 500 746 98,000 104 110,524 276 435 711 110,089
105 98,000 245 500 745 97,500 105 110,089 275 436 711 109,653
106 97,500 244 500 744 97,000 106 109,653 274 437 711 109,216
107 97,000 243 500 743 96,500 107 109,216 273 438 711 108,778
108 96,500 241 500 741 96,000 9 108 108,778 271 440 711 108,338 (12,338)
109 96,000 240 500 740 95,500 109 108,338 270 441 711 107,897
110 95,500 239 500 739 95,000 110 107,897 269 442 711 107,455
111 95,000 238 500 738 94,500 111 107,455 268 443 711 107,012
112 94,500 236 500 736 94,000 112 107,012 267 444 711 106,568
113 94,000 235 500 735 93,500 113 106,568 266 445 711 106,123
114 93,500 234 500 734 93,000 114 106,123 265 446 711 105,677
115 93,000 233 500 733 92,500 115 105,677 264 447 711 105,230
116 92,500 231 500 731 92,000 116 105,230 263 448 711 104,782
117 92,000 230 500 730 91,500 117 104,782 261 450 711 104,332
118 91,500 229 500 729 91,000 118 104,332 260 451 711 103,881
119 91,000 228 500 728 90,500 119 103,881 259 452 711 103,429
120 90,500 226 500 726 90,000 10 120 103,429 258 453 711 102,976 (12,976)
121 90,000 225 500 725 89,500 121 102,976 257 454 711 102,522
122 89,500 224 500 724 89,000 122 102,522 256 455 711 102,067
123 89,000 223 500 723 88,500 123 102,067 255 456 711 101,611
124 88,500 221 500 721 88,000 124 101,611 254 457 711 101,154
125 88,000 220 500 720 87,500 125 101,154 252 459 711 100,695
126 87,500 219 500 719 87,000 126 100,695 251 460 711 100,235
127 87,000 218 500 718 86,500 127 100,235 250 461 711 99,774
128 86,500 216 500 716 86,000 128 99,774 249 462 711 99,312
129 86,000 215 500 715 85,500 129 99,312 248 463 711 98,849
130 85,500 214 500 714 85,000 130 98,849 247 464 711 98,385
131 85,000 213 500 713 84,500 131 98,385 245 466 711 97,919
132 84,500 211 500 711 84,000 11 132 97,919 244 467 711 97,452 (13,452)
133 84,000 210 500 710 83,500 133 97,452 243 468 711 96,984
134 83,500 209 500 709 83,000 134 96,984 242 469 711 96,515
135 83,000 208 500 708 82,500 135 96,515 241 470 711 96,045
136 82,500 206 500 706 82,000 136 96,045 240 471 711 95,574
137 82,000 205 500 705 81,500 137 95,574 238 473 711 95,101
138 81,500 204 500 704 81,000 138 95,101 237 474 711 94,627
139 81,000 203 500 703 80,500 139 94,627 236 475 711 94,152
140 80,500 201 500 701 80,000 140 94,152 235 476 711 93,676
141 80,000 200 500 700 79,500 141 93,676 234 477 711 93,199
142 79,500 199 500 699 79,000 142 93,199 232 479 711 92,720
143 79,000 198 500 698 78,500 143 92,720 231 480 711 92,240
144 78,500 196 500 696 78,000 12 144 92,240 230 481 711 91,759 (13,759)
145 78,000 195 500 695 77,500 145 91,759 229 482 711 91,277
146 77,500 194 500 694 77,000 146 91,277 228 483 711 90,794
147 77,000 193 500 693 76,500 147 90,794 226 485 711 90,309
148 76,500 191 500 691 76,000 148 90,309 225 486 711 89,823
149 76,000 190 500 690 75,500 149 89,823 224 487 711 89,336
150 75,500 189 500 689 75,000 150 89,336 223 488 711 88,848
151 75,000 188 500 688 74,500 151 88,848 222 489 711 88,359
152 74,500 186 500 686 74,000 152 88,359 220 491 711 87,868
153 74,000 185 500 685 73,500 153 87,868 219 492 711 87,376
154 73,500 184 500 684 73,000 154 87,376 218 493 711 86,883
155 73,000 183 500 683 72,500 155 86,883 217 494 711 86,389
156 72,500 181 500 681 72,000 13 156 86,389 215 496 711 85,893 (13,893)
157 72,000 180 500 680 71,500 157 85,893 214 497 711 85,396
158 71,500 179 500 679 71,000 158 85,396 213 498 711 84,898
159 71,000 178 500 678 70,500 159 84,898 212 499 711 84,399
160 70,500 176 500 676 70,000 160 84,399 210 501 711 83,898
161 70,000 175 500 675 69,500 161 83,898 209 502 711 83,396
162 69,500 174 500 674 69,000 162 83,396 208 503 711 82,893
163 69,000 173 500 673 68,500 163 82,893 207 504 711 82,389
164 68,500 171 500 671 68,000 164 82,389 205 506 711 81,883
165 68,000 170 500 670 67,500 165 81,883 204 507 711 81,376
166 67,500 169 500 669 67,000 166 81,376 203 508 711 80,868
167 67,000 168 500 668 66,500 167 80,868 202 509 711 80,359
168 66,500 166 500 666 66,000 14 168 80,359 200 511 711 79,848 (13,848)
169 66,000 165 500 665 65,500 169 79,848 199 512 711 79,336
170 65,500 164 500 664 65,000 170 79,336 198 513 711 78,823
171 65,000 163 500 663 64,500 171 78,823 197 514 711 78,309
172 64,500 161 500 661 64,000 172 78,309 195 516 711 77,793
173 64,000 160 500 660 63,500 173 77,793 194 517 711 77,276
174 63,500 159 500 659 63,000 174 77,276 193 518 711 76,758
175 63,000 158 500 658 62,500 175 76,758 191 520 711 76,238
176 62,500 156 500 656 62,000 176 76,238 190 521 711 75,717
177 62,000 155 500 655 61,500 177 75,717 189 522 711 75,195
178 61,500 154 500 654 61,000 178 75,195 187 524 711 74,671
179 61,000 153 500 653 60,500 179 74,671 186 525 711 74,146
180 60,500 151 500 651 60,000 15 180 74,146 185 526 711 73,620 (13,620)
181 60,000 150 500 650 59,500 181 73,620 184 527 711 73,093
182 59,500 149 500 649 59,000 182 73,093 182 529 711 72,564
183 59,000 148 500 648 58,500 183 72,564 181 530 711 72,034
184 58,500 146 500 646 58,000 184 72,034 180 531 711 71,503
185 58,000 145 500 645 57,500 185 71,503 178 533 711 70,970
186 57,500 144 500 644 57,000 186 70,970 177 534 711 70,436
187 57,000 143 500 643 56,500 187 70,436 176 535 711 69,901
188 56,500 141 500 641 56,000 188 69,901 174 537 711 69,364
189 56,000 140 500 640 55,500 189 69,364 173 538 711 68,826
190 55,500 139 500 639 55,000 190 68,826 172 539 711 68,287
191 55,000 138 500 638 54,500 191 68,287 170 541 711 67,746
192 54,500 136 500 636 54,000 16 192 67,746 169 542 711 67,204 (13,204)
193 54,000 135 500 635 53,500 193 67,204 168 543 711 66,661
194 53,500 134 500 634 53,000 194 66,661 166 545 711 66,116
195 53,000 133 500 633 52,500 195 66,116 165 546 711 65,570
196 52,500 131 500 631 52,000 196 65,570 163 548 711 65,022
197 52,000 130 500 630 51,500 197 65,022 162 549 711 64,473
198 51,500 129 500 629 51,000 198 64,473 161 550 711 63,923
199 51,000 128 500 628 50,500 199 63,923 159 552 711 63,371
200 50,500 126 500 626 50,000 200 63,371 158 553 711 62,818
201 50,000 125 500 625 49,500 201 62,818 157 554 711 62,264
202 49,500 124 500 624 49,000 202 62,264 155 556 711 61,708
203 49,000 123 500 623 48,500 203 61,708 154 557 711 61,151
204 48,500 121 500 621 48,000 17 204 61,151 152 559 711 60,592 (12,592)
205 48,000 120 500 620 47,500 205 60,592 151 560 711 60,032
206 47,500 119 500 619 47,000 206 60,032 150 561 711 59,471
207 47,000 118 500 618 46,500 207 59,471 148 563 711 58,908
208 46,500 116 500 616 46,000 208 58,908 147 564 711 58,344
209 46,000 115 500 615 45,500 209 58,344 145 566 711 57,778
210 45,500 114 500 614 45,000 210 57,778 144 567 711 57,211
211 45,000 113 500 613 44,500 211 57,211 143 568 711 56,643
212 44,500 111 500 611 44,000 212 56,643 141 570 711 56,073
213 44,000 110 500 610 43,500 213 56,073 140 571 711 55,502
214 43,500 109 500 609 43,000 214 55,502 138 573 711 54,929
215 43,000 108 500 608 42,500 215 54,929 137 574 711 54,355
216 42,500 106 500 606 42,000 18 216 54,355 135 576 711 53,779 (11,779)
217 42,000 105 500 605 41,500 217 53,779 134 577 711 53,202
218 41,500 104 500 604 41,000 218 53,202 133 578 711 52,624
219 41,000 103 500 603 40,500 219 52,624 131 580 711 52,044
220 40,500 101 500 601 40,000 220 52,044 130 581 711 51,463
221 40,000 100 500 600 39,500 221 51,463 128 583 711 50,880
222 39,500 99 500 599 39,000 222 50,880 127 584 711 50,296
223 39,000 98 500 598 38,500 223 50,296 125 586 711 49,710
224 38,500 96 500 596 38,000 224 49,710 124 587 711 49,123
225 38,000 95 500 595 37,500 225 49,123 122 589 711 48,534
226 37,500 94 500 594 37,000 226 48,534 121 590 711 47,944
227 37,000 93 500 593 36,500 227 47,944 119 592 711 47,352
228 36,500 91 500 591 36,000 19 228 47,352 118 593 711 46,759 (10,759)
229 36,000 90 500 590 35,500 229 46,759 116 595 711 46,164
230 35,500 89 500 589 35,000 230 46,164 115 596 711 45,568
231 35,000 88 500 588 34,500 231 45,568 113 598 711 44,970
232 34,500 86 500 586 34,000 232 44,970 112 599 711 44,371
233 34,000 85 500 585 33,500 233 44,371 110 601 711 43,770
234 33,500 84 500 584 33,000 234 43,770 109 602 711 43,168
235 33,000 83 500 583 32,500 235 43,168 107 604 711 42,564
236 32,500 81 500 581 32,000 236 42,564 106 605 711 41,959
237 32,000 80 500 580 31,500 237 41,959 104 607 711 41,352
238 31,500 79 500 579 31,000 238 41,352 103 608 711 40,744
239 31,000 78 500 578 30,500 239 40,744 101 610 711 40,134
240 30,500 76 500 576 30,000 20 240 40,134 100 611 711 39,523 (9,523)
241 30,000 75 500 575 29,500 241 39,523 98 613 711 38,910
242 29,500 74 500 574 29,000 242 38,910 97 614 711 38,296
243 29,000 73 500 573 28,500 243 38,296 95 616 711 37,680
244 28,500 71 500 571 28,000 244 37,680 94 617 711 37,063
245 28,000 70 500 570 27,500 245 37,063 92 619 711 36,444
246 27,500 69 500 569 27,000 246 36,444 91 620 711 35,824
247 27,000 68 500 568 26,500 247 35,824 89 622 711 35,202
248 26,500 66 500 566 26,000 248 35,202 88 623 711 34,579
249 26,000 65 500 565 25,500 249 34,579 86 625 711 33,954
250 25,500 64 500 564 25,000 250 33,954 84 627 711 33,327
251 25,000 63 500 563 24,500 251 33,327 83 628 711 32,699
252 24,500 61 500 561 24,000 21 252 32,699 81 630 711 32,069 (8,069)
253 24,000 60 500 560 23,500 253 32,069 80 631 711 31,438
254 23,500 59 500 559 23,000 254 31,438 78 633 711 30,805
255 23,000 58 500 558 22,500 255 30,805 77 634 711 30,171
256 22,500 56 500 556 22,000 256 30,171 75 636 711 29,535
257 22,000 55 500 555 21,500 257 29,535 73 638 711 28,897
258 21,500 54 500 554 21,000 258 28,897 72 639 711 28,258
259 21,000 53 500 553 20,500 259 28,258 70 641 711 27,617
260 20,500 51 500 551 20,000 260 27,617 69 642 711 26,975
261 20,000 50 500 550 19,500 261 26,975 67 644 711 26,331
262 19,500 49 500 549 19,000 262 26,331 65 646 711 25,685
263 19,000 48 500 548 18,500 263 25,685 64 647 711 25,038
264 18,500 46 500 546 18,000 22 264 25,038 62 649 711 24,389 (6,389)
265 18,000 45 500 545 17,500 265 24,389 60 651 711 23,738
266 17,500 44 500 544 17,000 266 23,738 59 652 711 23,086
267 17,000 43 500 543 16,500 267 23,086 57 654 711 22,432
268 16,500 41 500 541 16,000 268 22,432 56 655 711 21,777
269 16,000 40 500 540 15,500 269 21,777 54 657 711 21,120
270 15,500 39 500 539 15,000 270 21,120 52 659 711 20,461
 271 15,000 38 500 538 14,500 271 20,461 51 660 711 19,801
272 14,500 36 500 536 14,000 272 19,801 49 662 711 19,139
273 14,000 35 500 535 13,500 273 19,139 47 664 711 18,475
274 13,500 34 500 534 13,000 274 18,475 46 665 711 17,810
275 13,000 33 500 533 12,500 275 17,810 44 667 711 17,143
276 12,500 31 500 531 12,000 23 276 17,143 42 669 711 16,474 (4,474)
277 12,000 30 500 530 11,500 277 16,474 41 670 711 15,804
278 11,500 29 500 529 11,000 278 15,804 39 672 711 15,132
279 11,000 28 500 528 10,500 279 15,132 37 674 711 14,458
280 10,500 26 500 526 10,000 280 14,458 36 675 711 13,783
281 10,000 25 500 525 9,500 281 13,783 34 677 711 13,106
282 9,500 24 500 524 9,000 282 13,106 32 679 711 12,427
283 9,000 23 500 523 8,500 283 12,427 31 680 711 11,747
284 8,500 21 500 521 8,000 284 11,747 29 682 711 11,065
285 8,000 20 500 520 7,500 285 11,065 27 684 711 10,381
286 7,500 19 500 519 7,000 286 10,381 25 686 711 9,695
287 7,000 18 500 518 6,500 287 9,695 24 687 711 9,008
288 6,500 16 500 516 6,000 24 288 9,008 22 689 711 8,319 (2,319)
289 6,000 15 500 515 5,500 289 8,319 20 691 711 7,628
290 5,500 14 500 514 5,000 290 7,628 19 692 711 6,936
291 5,000 13 500 513 4,500 291 6,936 17 694 711 6,242
292 4,500 11 500 511 4,000 292 6,242 15 696 711 5,546
293 4,000 10 500 510 3,500 293 5,546 13 698 711 4,848
294 3,500 9 500 509 3,000 294 4,848 12 699 711 4,149
295 3,000 8 500 508 2,500 295 4,149 10 701 711 3,448
296 2,500 6 500 506 2,000 296 3,448 8 703 711 2,745
297 2,000 5 500 505 1,500 297 2,745 6 705 711 2,040
298 1,500 4 500 504 1,000 298 2,040 5 706 711 1,334
299 1,000 3 500 503 500 299 1,334 3 708 711 626
300 500 1 500 501 0 25 300 626 1 710 711 (84)
Total 56,438 150,000 206,438 Total 63,216 150,084 213,300 (6,863)