Hồ Sơ Vay Ngân Hàng và Lãi Suất Ngân Hàng
Khi có nhu cầu vay vốn tại ngân hàng, việc chuẩn bị hồ sơ vay đúng quy trình là bước đầu tiên quan trọng. Bên cạnh đó, hiểu rõ về các yếu tố ảnh hưởng đến lãi suất ngân hàng sẽ giúp bạn lựa chọn được phương án vay phù hợp. Bài viết dưới đề cập đến những điểm cần biết về hồ sơ vay và lãi suất. Chủ đầu tư Bcons Solary thường sẽ hỗ trợ lãi suất trong 2 năm đầu hoặc cho đến khi nhận nhà, từ khi quý khách ký hợp đồng mua bán chuẩn bị giải ngân là chủ đầu tư hỗ trợ lãi cho đến khi nhận và sẽ không trả bất cứ đồng nào trong thời gian này.
1. Hồ Sơ Vay Ngân Hàng
Hồ sơ vay ngân hàng thường gồm những tài liệu sau:
a. Giấy tờ cá nhân
- Chứng minh nhân dân (CMND) hoặc căn cước công dân (CCCD).
- Hộ khẩu hoặc giấy tờ xác nhận tạm trú.
- Giấy đăng ký kết hôn (nếu đã kết hôn).
b. Giấy tờ chứng minh thu nhập
- Sao kế khai lương 3-6 tháng gần nhất.
- Hợp đồng lao động hoặc quyết định bổ nhiệm (nếu có).
- Giấy tờ chứng minh nguồn thu nhập từ kinh doanh, cho thuê tài sản…
c. Tài sản đảm bảo (nếu vay thế chấp)
- Giấy chứng nhận quyền sử dụng đất, quyền sở hữu nhà ở.
- Giấy đăng ký xe, sổ tiết kiệm, hoặc chứng chỉ khác.
d. Mục đích sử dụng vốn vay
- Kế hoạch kinh doanh (nếu vay kinh doanh).
- Hợp đồng mua nhà, mua xe hoặc các giấy tờ chứng minh khác về nhu cầu vay.
2. Lãi Suất Ngân Hàng
Lãi suất ngân hàng là một trong những yếu tố quan trọng ảnh hưởng đến quyết định vay vốn. Dưới đây là một số thông tin cơ bản:
a. Các loại lãi suất
- Lãi suất cố định: Giữ nguyên trong suốt tháng đầu hoặc trong suốt năm nhất định.
- Lãi suất thả nói: Thay đổi dựa trên biến động của lãi suất tham chiếu (VD: lãi suất liên ngân hàng, lãi suất trên thị trường quốc tế).
b. Các yếu tố ảnh hưởng đến lãi suất
- Thời hạn vay: Thời hạn vay dài thường đi kèm với lãi suất thả nói cao hơn.
- Loại vay: Vay tiêu dùng, vay kinh doanh, hay vay mua nhà sẻ có lãi suất khác nhau.
- Lịch sử tín dụng: Người vay có lịch sử tín dụng tốt thường nhận được lãi.
Dưới đây là bảng excel minh họa bảng lãi và gốc vay của căn giá trị 1.5 tỷ vay 70% trong vòng 20 năm cùa ngân hàng public bank hiện đang là đối tác của bcons. Qúy khách có thể tham khảo bảng tính dưới đây
| Ngày cập nhật: | 12/1/2024 | ||||||||
| TÊN KHÁCH HÀNG: | A/B | SỐ A/A: | PMG/0000XX/21 | ||||||
| HÌNH THỨC VAY: | HOME 1 | ||||||||
| HẠN MỨC: | VND 1,050,000,000 | LÃI SUẤT | Y1,2: | 7.20% | |||||
| THỜI HẠN: | 240 tháng | Y3+: | 9.60% | 2.75% pa + 18M FDR | |||||
| * Vốn vay gốc và lãi vay sẽ được thanh toán vào ngày | 15 | hàng tháng. Tuy nhiên, để tiện cho việc thu hồi gốc và lãi vay, | |||||||
| xin quý khách vui lòng vui lòng chuyển khoản hoặc nộp tiền vào tài khoản trước ngày | 12 | hàng tháng. | ĐVT : VNĐ | ||||||
| Kỳ | Ngày | Vốn gốc phải trả hàng tháng | Dư nợ vay | Lãi vay phải trả hàng tháng | Thời gian tính lãi | Số | Lãi | Số tiền gốc và lãi hàng tháng | |
| từ | đến | ngày | |||||||
| 12/1/2024 | 1,050,000,000 | : Số tiền phát vay | |||||||
| 12/15/2024 | 1,050,000,000 | 2,899,726 | 12/1/2024 | 12/14/2024 | 14 | 7.20% | 2,899,726 | ||
| 1 | 1/15/2025 | 4,400,000 | 1,045,600,000 | 6,420,822 | 12/15/2024 | 1/14/2025 | 31 | 7.20% | 10,820,822 |
| 2 | 2/15/2025 | 4,400,000 | 1,041,200,000 | 6,393,916 | 1/15/2025 | 2/14/2025 | 31 | 7.20% | 10,793,916 |
| 3 | 3/15/2025 | 4,400,000 | 1,036,800,000 | 5,750,847 | 2/15/2025 | 3/14/2025 | 28 | 7.20% | 10,150,847 |
| 4 | 4/15/2025 | 4,400,000 | 1,032,400,000 | 6,340,103 | 3/15/2025 | 4/14/2025 | 31 | 7.20% | 10,740,103 |
| 5 | 5/15/2025 | 4,400,000 | 1,028,000,000 | 6,109,545 | 4/15/2025 | 5/14/2025 | 30 | 7.20% | 10,509,545 |
| 6 | 6/15/2025 | 4,400,000 | 1,023,600,000 | 6,286,290 | 5/15/2025 | 6/14/2025 | 31 | 7.20% | 10,686,290 |
| 7 | 7/15/2025 | 4,400,000 | 1,019,200,000 | 6,057,468 | 6/15/2025 | 7/14/2025 | 30 | 7.20% | 10,457,468 |
| 8 | 8/15/2025 | 4,400,000 | 1,014,800,000 | 6,232,478 | 7/15/2025 | 8/14/2025 | 31 | 7.20% | 10,632,478 |
| 9 | 9/15/2025 | 4,400,000 | 1,010,400,000 | 6,205,572 | 8/15/2025 | 9/14/2025 | 31 | 7.20% | 10,605,572 |
| 10 | 10/15/2025 | 4,400,000 | 1,006,000,000 | 5,979,353 | 9/15/2025 | 10/14/2025 | 30 | 7.20% | 10,379,353 |
| 11 | 11/15/2025 | 4,400,000 | 1,001,600,000 | 6,151,759 | 10/15/2025 | 11/14/2025 | 31 | 7.20% | 10,551,759 |
| 12 | 12/15/2025 | 4,400,000 | 997,200,000 | 5,927,277 | 11/15/2025 | 12/14/2025 | 30 | 7.20% | 10,327,277 |
| 13 | 1/15/2026 | 4,400,000 | 992,800,000 | 6,097,946 | 12/15/2025 | 1/14/2026 | 31 | 7.20% | 10,497,946 |
| 14 | 2/15/2026 | 4,400,000 | 988,400,000 | 6,071,040 | 1/15/2026 | 2/14/2026 | 31 | 7.20% | 10,471,040 |
| 15 | 3/15/2026 | 4,400,000 | 984,000,000 | 5,459,218 | 2/15/2026 | 3/14/2026 | 28 | 7.20% | 9,859,218 |
| 16 | 4/15/2026 | 4,400,000 | 979,600,000 | 6,017,227 | 3/15/2026 | 4/14/2026 | 31 | 7.20% | 10,417,227 |
| 17 | 5/15/2026 | 4,400,000 | 975,200,000 | 5,797,085 | 4/15/2026 | 5/14/2026 | 30 | 7.20% | 10,197,085 |
| 18 | 6/15/2026 | 4,400,000 | 970,800,000 | 5,963,415 | 5/15/2026 | 6/14/2026 | 31 | 7.20% | 10,363,415 |
| 19 | 7/15/2026 | 4,400,000 | 966,400,000 | 5,745,008 | 6/15/2026 | 7/14/2026 | 30 | 7.20% | 10,145,008 |
| 20 | 8/15/2026 | 4,400,000 | 962,000,000 | 5,909,602 | 7/15/2026 | 8/14/2026 | 31 | 7.20% | 10,309,602 |
| 21 | 9/15/2026 | 4,400,000 | 957,600,000 | 5,882,696 | 8/15/2026 | 9/14/2026 | 31 | 7.20% | 10,282,696 |
| 22 | 10/15/2026 | 4,400,000 | 953,200,000 | 5,666,893 | 9/15/2026 | 10/14/2026 | 30 | 7.20% | 10,066,893 |
| 23 | 11/15/2026 | 4,400,000 | 948,800,000 | 5,828,883 | 10/15/2026 | 11/14/2026 | 31 | 7.20% | 10,228,883 |
| 24 | 12/15/2026 | 4,400,000 | 944,400,000 | 7,486,422 | 11/15/2026 | 12/14/2026 | 30 | 9.60% | 11,886,422 |
| 25 | 1/15/2027 | 4,400,000 | 940,000,000 | 7,700,094 | 12/15/2026 | 1/14/2027 | 31 | 9.60% | 12,100,094 |
| 26 | 2/15/2027 | 4,400,000 | 935,600,000 | 7,664,219 | 1/15/2027 | 2/14/2027 | 31 | 9.60% | 12,064,219 |
| 27 | 3/15/2027 | 4,400,000 | 931,200,000 | 6,890,117 | 2/15/2027 | 3/14/2027 | 28 | 9.60% | 11,290,117 |
| 28 | 4/15/2027 | 4,400,000 | 926,800,000 | 7,592,469 | 3/15/2027 | 4/14/2027 | 31 | 9.60% | 11,992,469 |
| 29 | 5/15/2027 | 4,400,000 | 922,400,000 | 7,312,833 | 4/15/2027 | 5/14/2027 | 30 | 9.60% | 11,712,833 |
| 30 | 6/15/2027 | 4,400,000 | 918,000,000 | 7,520,719 | 5/15/2027 | 6/14/2027 | 31 | 9.60% | 11,920,719 |
| 31 | 7/15/2027 | 4,400,000 | 913,600,000 | 7,243,397 | 6/15/2027 | 7/14/2027 | 30 | 9.60% | 11,643,397 |
| 32 | 8/15/2027 | 4,400,000 | 909,200,000 | 7,448,969 | 7/15/2027 | 8/14/2027 | 31 | 9.60% | 11,848,969 |
| 33 | 9/15/2027 | 4,400,000 | 904,800,000 | 7,413,094 | 8/15/2027 | 9/14/2027 | 31 | 9.60% | 11,813,094 |
| 34 | 10/15/2027 | 4,400,000 | 900,400,000 | 7,139,244 | 9/15/2027 | 10/14/2027 | 30 | 9.60% | 11,539,244 |
| 35 | 11/15/2027 | 4,400,000 | 896,000,000 | 7,341,344 | 10/15/2027 | 11/14/2027 | 31 | 9.60% | 11,741,344 |
| 36 | 12/15/2027 | 4,400,000 | 891,600,000 | 7,069,808 | 11/15/2027 | 12/14/2027 | 30 | 9.60% | 11,469,808 |
| 37 | 1/15/2028 | 4,400,000 | 887,200,000 | 7,269,593 | 12/15/2027 | 1/14/2028 | 31 | 9.60% | 11,669,593 |
| 38 | 2/15/2028 | 4,400,000 | 882,800,000 | 7,233,718 | 1/15/2028 | 2/14/2028 | 31 | 9.60% | 11,633,718 |
| 39 | 3/15/2028 | 4,400,000 | 878,400,000 | 6,733,466 | 2/15/2028 | 3/14/2028 | 29 | 9.60% | 11,133,466 |
| 40 | 4/15/2028 | 4,400,000 | 874,000,000 | 7,161,968 | 3/15/2028 | 4/14/2028 | 31 | 9.60% | 11,561,968 |
| 41 | 5/15/2028 | 4,400,000 | 869,600,000 | 6,896,219 | 4/15/2028 | 5/14/2028 | 30 | 9.60% | 11,296,219 |
| 42 | 6/15/2028 | 4,400,000 | 865,200,000 | 7,090,218 | 5/15/2028 | 6/14/2028 | 31 | 9.60% | 11,490,218 |
| 43 | 7/15/2028 | 4,400,000 | 860,800,000 | 6,826,784 | 6/15/2028 | 7/14/2028 | 30 | 9.60% | 11,226,784 |
| 44 | 8/15/2028 | 4,400,000 | 856,400,000 | 7,018,468 | 7/15/2028 | 8/14/2028 | 31 | 9.60% | 11,418,468 |
| 45 | 9/15/2028 | 4,400,000 | 852,000,000 | 6,982,593 | 8/15/2028 | 9/14/2028 | 31 | 9.60% | 11,382,593 |
| 46 | 10/15/2028 | 4,400,000 | 847,600,000 | 6,722,630 | 9/15/2028 | 10/14/2028 | 30 | 9.60% | 11,122,630 |
| 47 | 11/15/2028 | 4,400,000 | 843,200,000 | 6,910,843 | 10/15/2028 | 11/14/2028 | 31 | 9.60% | 11,310,843 |
| 48 | 12/15/2028 | 4,400,000 | 838,800,000 | 6,653,195 | 11/15/2028 | 12/14/2028 | 30 | 9.60% | 11,053,195 |
| 49 | 1/15/2029 | 4,400,000 | 834,400,000 | 6,839,093 | 12/15/2028 | 1/14/2029 | 31 | 9.60% | 11,239,093 |
| 50 | 2/15/2029 | 4,400,000 | 830,000,000 | 6,803,218 | 1/15/2029 | 2/14/2029 | 31 | 9.60% | 11,203,218 |
| 51 | 3/15/2029 | 4,400,000 | 825,600,000 | 6,112,438 | 2/15/2029 | 3/14/2029 | 28 | 9.60% | 10,512,438 |
| 52 | 4/15/2029 | 4,400,000 | 821,200,000 | 6,731,467 | 3/15/2029 | 4/14/2029 | 31 | 9.60% | 11,131,467 |
| 53 | 5/15/2029 | 4,400,000 | 816,800,000 | 6,479,605 | 4/15/2029 | 5/14/2029 | 30 | 9.60% | 10,879,605 |
| 54 | 6/15/2029 | 4,400,000 | 812,400,000 | 6,659,717 | 5/15/2029 | 6/14/2029 | 31 | 9.60% | 11,059,717 |
| 55 | 7/15/2029 | 4,400,000 | 808,000,000 | 6,410,170 | 6/15/2029 | 7/14/2029 | 30 | 9.60% | 10,810,170 |
| 56 | 8/15/2029 | 4,400,000 | 803,600,000 | 6,587,967 | 7/15/2029 | 8/14/2029 | 31 | 9.60% | 10,987,967 |
| 57 | 9/15/2029 | 4,400,000 | 799,200,000 | 6,552,092 | 8/15/2029 | 9/14/2029 | 31 | 9.60% | 10,952,092 |
| 58 | 10/15/2029 | 4,400,000 | 794,800,000 | 6,306,016 | 9/15/2029 | 10/14/2029 | 30 | 9.60% | 10,706,016 |
| 59 | 11/15/2029 | 4,400,000 | 790,400,000 | 6,480,342 | 10/15/2029 | 11/14/2029 | 31 | 9.60% | 10,880,342 |
| 60 | 12/15/2029 | 4,400,000 | 786,000,000 | 6,236,581 | 11/15/2029 | 12/14/2029 | 30 | 9.60% | 10,636,581 |
| 61 | 1/15/2030 | 4,400,000 | 781,600,000 | 6,408,592 | 12/15/2029 | 1/14/2030 | 31 | 9.60% | 10,808,592 |
| 62 | 2/15/2030 | 4,400,000 | 777,200,000 | 6,372,717 | 1/15/2030 | 2/14/2030 | 31 | 9.60% | 10,772,717 |
| 63 | 3/15/2030 | 4,400,000 | 772,800,000 | 5,723,599 | 2/15/2030 | 3/14/2030 | 28 | 9.60% | 10,123,599 |
| 64 | 4/15/2030 | 4,400,000 | 768,400,000 | 6,300,967 | 3/15/2030 | 4/14/2030 | 31 | 9.60% | 10,700,967 |
| 65 | 5/15/2030 | 4,400,000 | 764,000,000 | 6,062,992 | 4/15/2030 | 5/14/2030 | 30 | 9.60% | 10,462,992 |
| 66 | 6/15/2030 | 4,400,000 | 759,600,000 | 6,229,216 | 5/15/2030 | 6/14/2030 | 31 | 9.60% | 10,629,216 |
| 67 | 7/15/2030 | 4,400,000 | 755,200,000 | 5,993,556 | 6/15/2030 | 7/14/2030 | 30 | 9.60% | 10,393,556 |
| 68 | 8/15/2030 | 4,400,000 | 750,800,000 | 6,157,466 | 7/15/2030 | 8/14/2030 | 31 | 9.60% | 10,557,466 |
| 69 | 9/15/2030 | 4,400,000 | 746,400,000 | 6,121,591 | 8/15/2030 | 9/14/2030 | 31 | 9.60% | 10,521,591 |
| 70 | 10/15/2030 | 4,400,000 | 742,000,000 | 5,889,403 | 9/15/2030 | 10/14/2030 | 30 | 9.60% | 10,289,403 |
| 71 | 11/15/2030 | 4,400,000 | 737,600,000 | 6,049,841 | 10/15/2030 | 11/14/2030 | 31 | 9.60% | 10,449,841 |
| 72 | 12/15/2030 | 4,400,000 | 733,200,000 | 5,819,967 | 11/15/2030 | 12/14/2030 | 30 | 9.60% | 10,219,967 |
| 73 | 1/15/2031 | 4,400,000 | 728,800,000 | 5,978,091 | 12/15/2030 | 1/14/2031 | 31 | 9.60% | 10,378,091 |
| 74 | 2/15/2031 | 4,400,000 | 724,400,000 | 5,942,216 | 1/15/2031 | 2/14/2031 | 31 | 9.60% | 10,342,216 |
| 75 | 3/15/2031 | 4,400,000 | 720,000,000 | 5,334,759 | 2/15/2031 | 3/14/2031 | 28 | 9.60% | 9,734,759 |
| 76 | 4/15/2031 | 4,400,000 | 715,600,000 | 5,870,466 | 3/15/2031 | 4/14/2031 | 31 | 9.60% | 10,270,466 |
| 77 | 5/15/2031 | 4,400,000 | 711,200,000 | 5,646,378 | 4/15/2031 | 5/14/2031 | 30 | 9.60% | 10,046,378 |
| 78 | 6/15/2031 | 4,400,000 | 706,800,000 | 5,798,716 | 5/15/2031 | 6/14/2031 | 31 | 9.60% | 10,198,716 |
| 79 | 7/15/2031 | 4,400,000 | 702,400,000 | 5,576,942 | 6/15/2031 | 7/14/2031 | 30 | 9.60% | 9,976,942 |
| 80 | 8/15/2031 | 4,400,000 | 698,000,000 | 5,726,965 | 7/15/2031 | 8/14/2031 | 31 | 9.60% | 10,126,965 |
| 81 | 9/15/2031 | 4,400,000 | 693,600,000 | 5,691,090 | 8/15/2031 | 9/14/2031 | 31 | 9.60% | 10,091,090 |
| 82 | 10/15/2031 | 4,400,000 | 689,200,000 | 5,472,789 | 9/15/2031 | 10/14/2031 | 30 | 9.60% | 9,872,789 |
| 83 | 11/15/2031 | 4,400,000 | 684,800,000 | 5,619,340 | 10/15/2031 | 11/14/2031 | 31 | 9.60% | 10,019,340 |
| 84 | 12/15/2031 | 4,400,000 | 680,400,000 | 5,403,353 | 11/15/2031 | 12/14/2031 | 30 | 9.60% | 9,803,353 |
| 85 | 1/15/2032 | 4,400,000 | 676,000,000 | 5,547,590 | 12/15/2031 | 1/14/2032 | 31 | 9.60% | 9,947,590 |
| 86 | 2/15/2032 | 4,400,000 | 671,600,000 | 5,511,715 | 1/15/2032 | 2/14/2032 | 31 | 9.60% | 9,911,715 |
| 87 | 3/15/2032 | 4,400,000 | 667,200,000 | 5,122,560 | 2/15/2032 | 3/14/2032 | 29 | 9.60% | 9,522,560 |
| 88 | 4/15/2032 | 4,400,000 | 662,800,000 | 5,439,965 | 3/15/2032 | 4/14/2032 | 31 | 9.60% | 9,839,965 |
| 89 | 5/15/2032 | 4,400,000 | 658,400,000 | 5,229,764 | 4/15/2032 | 5/14/2032 | 30 | 9.60% | 9,629,764 |
| 90 | 6/15/2032 | 4,400,000 | 654,000,000 | 5,368,215 | 5/15/2032 | 6/14/2032 | 31 | 9.60% | 9,768,215 |
| 91 | 7/15/2032 | 4,400,000 | 649,600,000 | 5,160,329 | 6/15/2032 | 7/14/2032 | 30 | 9.60% | 9,560,329 |
| 92 | 8/15/2032 | 4,400,000 | 645,200,000 | 5,296,465 | 7/15/2032 | 8/14/2032 | 31 | 9.60% | 9,696,465 |
| 93 | 9/15/2032 | 4,400,000 | 640,800,000 | 5,260,590 | 8/15/2032 | 9/14/2032 | 31 | 9.60% | 9,660,590 |
| 94 | 10/15/2032 | 4,400,000 | 636,400,000 | 5,056,175 | 9/15/2032 | 10/14/2032 | 30 | 9.60% | 9,456,175 |
| 95 | 11/15/2032 | 4,400,000 | 632,000,000 | 5,188,839 | 10/15/2032 | 11/14/2032 | 31 | 9.60% | 9,588,839 |
| 96 | 12/15/2032 | 4,400,000 | 627,600,000 | 4,986,740 | 11/15/2032 | 12/14/2032 | 30 | 9.60% | 9,386,740 |
| 97 | 1/15/2033 | 4,400,000 | 623,200,000 | 5,117,089 | 12/15/2032 | 1/14/2033 | 31 | 9.60% | 9,517,089 |
| 98 | 2/15/2033 | 4,400,000 | 618,800,000 | 5,081,214 | 1/15/2033 | 2/14/2033 | 31 | 9.60% | 9,481,214 |
| 99 | 3/15/2033 | 4,400,000 | 614,400,000 | 4,557,081 | 2/15/2033 | 3/14/2033 | 28 | 9.60% | 8,957,081 |
| 100 | 4/15/2033 | 4,400,000 | 610,000,000 | 5,009,464 | 3/15/2033 | 4/14/2033 | 31 | 9.60% | 9,409,464 |
| 101 | 5/15/2033 | 4,400,000 | 605,600,000 | 4,813,151 | 4/15/2033 | 5/14/2033 | 30 | 9.60% | 9,213,151 |
| 102 | 6/15/2033 | 4,400,000 | 601,200,000 | 4,937,714 | 5/15/2033 | 6/14/2033 | 31 | 9.60% | 9,337,714 |
| 103 | 7/15/2033 | 4,400,000 | 596,800,000 | 4,743,715 | 6/15/2033 | 7/14/2033 | 30 | 9.60% | 9,143,715 |
| 104 | 8/15/2033 | 4,400,000 | 592,400,000 | 4,865,964 | 7/15/2033 | 8/14/2033 | 31 | 9.60% | 9,265,964 |
| 105 | 9/15/2033 | 4,400,000 | 588,000,000 | 4,830,089 | 8/15/2033 | 9/14/2033 | 31 | 9.60% | 9,230,089 |
| 106 | 10/15/2033 | 4,400,000 | 583,600,000 | 4,639,562 | 9/15/2033 | 10/14/2033 | 30 | 9.60% | 9,039,562 |
| 107 | 11/15/2033 | 4,400,000 | 579,200,000 | 4,758,339 | 10/15/2033 | 11/14/2033 | 31 | 9.60% | 9,158,339 |
| 108 | 12/15/2033 | 4,400,000 | 574,800,000 | 4,570,126 | 11/15/2033 | 12/14/2033 | 30 | 9.60% | 8,970,126 |
| 109 | 1/15/2034 | 4,400,000 | 570,400,000 | 4,686,588 | 12/15/2033 | 1/14/2034 | 31 | 9.60% | 9,086,588 |
| 110 | 2/15/2034 | 4,400,000 | 566,000,000 | 4,650,713 | 1/15/2034 | 2/14/2034 | 31 | 9.60% | 9,050,713 |
| 111 | 3/15/2034 | 4,400,000 | 561,600,000 | 4,168,241 | 2/15/2034 | 3/14/2034 | 28 | 9.60% | 8,568,241 |
| 112 | 4/15/2034 | 4,400,000 | 557,200,000 | 4,578,963 | 3/15/2034 | 4/14/2034 | 31 | 9.60% | 8,978,963 |
| 113 | 5/15/2034 | 4,400,000 | 552,800,000 | 4,396,537 | 4/15/2034 | 5/14/2034 | 30 | 9.60% | 8,796,537 |
| 114 | 6/15/2034 | 4,400,000 | 548,400,000 | 4,507,213 | 5/15/2034 | 6/14/2034 | 31 | 9.60% | 8,907,213 |
| 115 | 7/15/2034 | 4,400,000 | 544,000,000 | 4,327,101 | 6/15/2034 | 7/14/2034 | 30 | 9.60% | 8,727,101 |
| 116 | 8/15/2034 | 4,400,000 | 539,600,000 | 4,435,463 | 7/15/2034 | 8/14/2034 | 31 | 9.60% | 8,835,463 |
| 117 | 9/15/2034 | 4,400,000 | 535,200,000 | 4,399,588 | 8/15/2034 | 9/14/2034 | 31 | 9.60% | 8,799,588 |
| 118 | 10/15/2034 | 4,400,000 | 530,800,000 | 4,222,948 | 9/15/2034 | 10/14/2034 | 30 | 9.60% | 8,622,948 |
| 119 | 11/15/2034 | 4,400,000 | 526,400,000 | 4,327,838 | 10/15/2034 | 11/14/2034 | 31 | 9.60% | 8,727,838 |
| 120 | 12/15/2034 | 4,400,000 | 522,000,000 | 4,153,512 | 11/15/2034 | 12/14/2034 | 30 | 9.60% | 8,553,512 |
| 121 | 1/15/2035 | 4,400,000 | 517,600,000 | 4,256,088 | 12/15/2034 | 1/14/2035 | 31 | 9.60% | 8,656,088 |
| 122 | 2/15/2035 | 4,400,000 | 513,200,000 | 4,220,213 | 1/15/2035 | 2/14/2035 | 31 | 9.60% | 8,620,213 |
| 123 | 3/15/2035 | 4,400,000 | 508,800,000 | 3,779,402 | 2/15/2035 | 3/14/2035 | 28 | 9.60% | 8,179,402 |
| 124 | 4/15/2035 | 4,400,000 | 504,400,000 | 4,148,462 | 3/15/2035 | 4/14/2035 | 31 | 9.60% | 8,548,462 |
| 125 | 5/15/2035 | 4,400,000 | 500,000,000 | 3,979,923 | 4/15/2035 | 5/14/2035 | 30 | 9.60% | 8,379,923 |
| 126 | 6/15/2035 | 4,400,000 | 495,600,000 | 4,076,712 | 5/15/2035 | 6/14/2035 | 31 | 9.60% | 8,476,712 |
| 127 | 7/15/2035 | 4,400,000 | 491,200,000 | 3,910,488 | 6/15/2035 | 7/14/2035 | 30 | 9.60% | 8,310,488 |
| 128 | 8/15/2035 | 4,400,000 | 486,800,000 | 4,004,962 | 7/15/2035 | 8/14/2035 | 31 | 9.60% | 8,404,962 |
| 129 | 9/15/2035 | 4,400,000 | 482,400,000 | 3,969,087 | 8/15/2035 | 9/14/2035 | 31 | 9.60% | 8,369,087 |
| 130 | 10/15/2035 | 4,400,000 | 478,000,000 | 3,806,334 | 9/15/2035 | 10/14/2035 | 30 | 9.60% | 8,206,334 |
| 131 | 11/15/2035 | 4,400,000 | 473,600,000 | 3,897,337 | 10/15/2035 | 11/14/2035 | 31 | 9.60% | 8,297,337 |
| 132 | 12/15/2035 | 4,400,000 | 469,200,000 | 3,736,899 | 11/15/2035 | 12/14/2035 | 30 | 9.60% | 8,136,899 |
| 133 | 1/15/2036 | 4,400,000 | 464,800,000 | 3,825,587 | 12/15/2035 | 1/14/2036 | 31 | 9.60% | 8,225,587 |
| 134 | 2/15/2036 | 4,400,000 | 460,400,000 | 3,789,712 | 1/15/2036 | 2/14/2036 | 31 | 9.60% | 8,189,712 |
| 135 | 3/15/2036 | 4,400,000 | 456,000,000 | 3,511,654 | 2/15/2036 | 3/14/2036 | 29 | 9.60% | 7,911,654 |
| 136 | 4/15/2036 | 4,400,000 | 451,600,000 | 3,717,962 | 3/15/2036 | 4/14/2036 | 31 | 9.60% | 8,117,962 |
| 137 | 5/15/2036 | 4,400,000 | 447,200,000 | 3,563,310 | 4/15/2036 | 5/14/2036 | 30 | 9.60% | 7,963,310 |
| 138 | 6/15/2036 | 4,400,000 | 442,800,000 | 3,646,212 | 5/15/2036 | 6/14/2036 | 31 | 9.60% | 8,046,212 |
| 139 | 7/15/2036 | 4,400,000 | 438,400,000 | 3,493,874 | 6/15/2036 | 7/14/2036 | 30 | 9.60% | 7,893,874 |
| 140 | 8/15/2036 | 4,400,000 | 434,000,000 | 3,574,461 | 7/15/2036 | 8/14/2036 | 31 | 9.60% | 7,974,461 |
| 141 | 9/15/2036 | 4,400,000 | 429,600,000 | 3,538,586 | 8/15/2036 | 9/14/2036 | 31 | 9.60% | 7,938,586 |
| 142 | 10/15/2036 | 4,400,000 | 425,200,000 | 3,389,721 | 9/15/2036 | 10/14/2036 | 30 | 9.60% | 7,789,721 |
| 143 | 11/15/2036 | 4,400,000 | 420,800,000 | 3,466,836 | 10/15/2036 | 11/14/2036 | 31 | 9.60% | 7,866,836 |
| 144 | 12/15/2036 | 4,400,000 | 416,400,000 | 3,320,285 | 11/15/2036 | 12/14/2036 | 30 | 9.60% | 7,720,285 |
| 145 | 1/15/2037 | 4,400,000 | 412,000,000 | 3,395,086 | 12/15/2036 | 1/14/2037 | 31 | 9.60% | 7,795,086 |
| 146 | 2/15/2037 | 4,400,000 | 407,600,000 | 3,359,211 | 1/15/2037 | 2/14/2037 | 31 | 9.60% | 7,759,211 |
| 147 | 3/15/2037 | 4,400,000 | 403,200,000 | 3,001,723 | 2/15/2037 | 3/14/2037 | 28 | 9.60% | 7,401,723 |
| 148 | 4/15/2037 | 4,400,000 | 398,800,000 | 3,287,461 | 3/15/2037 | 4/14/2037 | 31 | 9.60% | 7,687,461 |
| 149 | 5/15/2037 | 4,400,000 | 394,400,000 | 3,146,696 | 4/15/2037 | 5/14/2037 | 30 | 9.60% | 7,546,696 |
| 150 | 6/15/2037 | 4,400,000 | 390,000,000 | 3,215,711 | 5/15/2037 | 6/14/2037 | 31 | 9.60% | 7,615,711 |
| 151 | 7/15/2037 | 4,400,000 | 385,600,000 | 3,077,260 | 6/15/2037 | 7/14/2037 | 30 | 9.60% | 7,477,260 |
| 152 | 8/15/2037 | 4,400,000 | 381,200,000 | 3,143,961 | 7/15/2037 | 8/14/2037 | 31 | 9.60% | 7,543,961 |
| 153 | 9/15/2037 | 4,400,000 | 376,800,000 | 3,108,085 | 8/15/2037 | 9/14/2037 | 31 | 9.60% | 7,508,085 |
| 154 | 10/15/2037 | 4,400,000 | 372,400,000 | 2,973,107 | 9/15/2037 | 10/14/2037 | 30 | 9.60% | 7,373,107 |
| 155 | 11/15/2037 | 4,400,000 | 368,000,000 | 3,036,335 | 10/15/2037 | 11/14/2037 | 31 | 9.60% | 7,436,335 |
| 156 | 12/15/2037 | 4,400,000 | 363,600,000 | 2,903,671 | 11/15/2037 | 12/14/2037 | 30 | 9.60% | 7,303,671 |
| 157 | 1/15/2038 | 4,400,000 | 359,200,000 | 2,964,585 | 12/15/2037 | 1/14/2038 | 31 | 9.60% | 7,364,585 |
| 158 | 2/15/2038 | 4,400,000 | 354,800,000 | 2,928,710 | 1/15/2038 | 2/14/2038 | 31 | 9.60% | 7,328,710 |
| 159 | 3/15/2038 | 4,400,000 | 350,400,000 | 2,612,883 | 2/15/2038 | 3/14/2038 | 28 | 9.60% | 7,012,883 |
| 160 | 4/15/2038 | 4,400,000 | 346,000,000 | 2,856,960 | 3/15/2038 | 4/14/2038 | 31 | 9.60% | 7,256,960 |
| 161 | 5/15/2038 | 4,400,000 | 341,600,000 | 2,730,082 | 4/15/2038 | 5/14/2038 | 30 | 9.60% | 7,130,082 |
| 162 | 6/15/2038 | 4,400,000 | 337,200,000 | 2,785,210 | 5/15/2038 | 6/14/2038 | 31 | 9.60% | 7,185,210 |
| 163 | 7/15/2038 | 4,400,000 | 332,800,000 | 2,660,647 | 6/15/2038 | 7/14/2038 | 30 | 9.60% | 7,060,647 |
| 164 | 8/15/2038 | 4,400,000 | 328,400,000 | 2,713,460 | 7/15/2038 | 8/14/2038 | 31 | 9.60% | 7,113,460 |
| 165 | 9/15/2038 | 4,400,000 | 324,000,000 | 2,677,585 | 8/15/2038 | 9/14/2038 | 31 | 9.60% | 7,077,585 |
| 166 | 10/15/2038 | 4,400,000 | 319,600,000 | 2,556,493 | 9/15/2038 | 10/14/2038 | 30 | 9.60% | 6,956,493 |
| 167 | 11/15/2038 | 4,400,000 | 315,200,000 | 2,605,835 | 10/15/2038 | 11/14/2038 | 31 | 9.60% | 7,005,835 |
| 168 | 12/15/2038 | 4,400,000 | 310,800,000 | 2,487,058 | 11/15/2038 | 12/14/2038 | 30 | 9.60% | 6,887,058 |
| 169 | 1/15/2039 | 4,400,000 | 306,400,000 | 2,534,084 | 12/15/2038 | 1/14/2039 | 31 | 9.60% | 6,934,084 |
| 170 | 2/15/2039 | 4,400,000 | 302,000,000 | 2,498,209 | 1/15/2039 | 2/14/2039 | 31 | 9.60% | 6,898,209 |
| 171 | 3/15/2039 | 4,400,000 | 297,600,000 | 2,224,044 | 2/15/2039 | 3/14/2039 | 28 | 9.60% | 6,624,044 |
| 172 | 4/15/2039 | 4,400,000 | 293,200,000 | 2,426,459 | 3/15/2039 | 4/14/2039 | 31 | 9.60% | 6,826,459 |
| 173 | 5/15/2039 | 4,400,000 | 288,800,000 | 2,313,468 | 4/15/2039 | 5/14/2039 | 30 | 9.60% | 6,713,468 |
| 174 | 6/15/2039 | 4,400,000 | 284,400,000 | 2,354,709 | 5/15/2039 | 6/14/2039 | 31 | 9.60% | 6,754,709 |
| 175 | 7/15/2039 | 4,400,000 | 280,000,000 | 2,244,033 | 6/15/2039 | 7/14/2039 | 30 | 9.60% | 6,644,033 |
| 176 | 8/15/2039 | 4,400,000 | 275,600,000 | 2,282,959 | 7/15/2039 | 8/14/2039 | 31 | 9.60% | 6,682,959 |
| 177 | 9/15/2039 | 4,400,000 | 271,200,000 | 2,247,084 | 8/15/2039 | 9/14/2039 | 31 | 9.60% | 6,647,084 |
| 178 | 10/15/2039 | 4,400,000 | 266,800,000 | 2,139,879 | 9/15/2039 | 10/14/2039 | 30 | 9.60% | 6,539,879 |
| 179 | 11/15/2039 | 4,400,000 | 262,400,000 | 2,175,334 | 10/15/2039 | 11/14/2039 | 31 | 9.60% | 6,575,334 |
| 180 | 12/15/2039 | 4,400,000 | 258,000,000 | 2,070,444 | 11/15/2039 | 12/14/2039 | 30 | 9.60% | 6,470,444 |
| 181 | 1/15/2040 | 4,400,000 | 253,600,000 | 2,103,584 | 12/15/2039 | 1/14/2040 | 31 | 9.60% | 6,503,584 |
| 182 | 2/15/2040 | 4,400,000 | 249,200,000 | 2,067,708 | 1/15/2040 | 2/14/2040 | 31 | 9.60% | 6,467,708 |
| 183 | 3/15/2040 | 4,400,000 | 244,800,000 | 1,900,747 | 2/15/2040 | 3/14/2040 | 29 | 9.60% | 6,300,747 |
| 184 | 4/15/2040 | 4,400,000 | 240,400,000 | 1,995,958 | 3/15/2040 | 4/14/2040 | 31 | 9.60% | 6,395,958 |
| 185 | 5/15/2040 | 4,400,000 | 236,000,000 | 1,896,855 | 4/15/2040 | 5/14/2040 | 30 | 9.60% | 6,296,855 |
| 186 | 6/15/2040 | 4,400,000 | 231,600,000 | 1,924,208 | 5/15/2040 | 6/14/2040 | 31 | 9.60% | 6,324,208 |
| 187 | 7/15/2040 | 4,400,000 | 227,200,000 | 1,827,419 | 6/15/2040 | 7/14/2040 | 30 | 9.60% | 6,227,419 |
| 188 | 8/15/2040 | 4,400,000 | 222,800,000 | 1,852,458 | 7/15/2040 | 8/14/2040 | 31 | 9.60% | 6,252,458 |
| 189 | 9/15/2040 | 4,400,000 | 218,400,000 | 1,816,583 | 8/15/2040 | 9/14/2040 | 31 | 9.60% | 6,216,583 |
| 190 | 10/15/2040 | 4,400,000 | 214,000,000 | 1,723,266 | 9/15/2040 | 10/14/2040 | 30 | 9.60% | 6,123,266 |
| 191 | 11/15/2040 | 4,400,000 | 209,600,000 | 1,744,833 | 10/15/2040 | 11/14/2040 | 31 | 9.60% | 6,144,833 |
| 192 | 12/15/2040 | 4,400,000 | 205,200,000 | 1,653,830 | 11/15/2040 | 12/14/2040 | 30 | 9.60% | 6,053,830 |
| 193 | 1/15/2041 | 4,400,000 | 200,800,000 | 1,673,083 | 12/15/2040 | 1/14/2041 | 31 | 9.60% | 6,073,083 |
| 194 | 2/15/2041 | 4,400,000 | 196,400,000 | 1,637,208 | 1/15/2041 | 2/14/2041 | 31 | 9.60% | 6,037,208 |
| 195 | 3/15/2041 | 4,400,000 | 192,000,000 | 1,446,365 | 2/15/2041 | 3/14/2041 | 28 | 9.60% | 5,846,365 |
| 196 | 4/15/2041 | 4,400,000 | 187,600,000 | 1,565,458 | 3/15/2041 | 4/14/2041 | 31 | 9.60% | 5,965,458 |
| 197 | 5/15/2041 | 4,400,000 | 183,200,000 | 1,480,241 | 4/15/2041 | 5/14/2041 | 30 | 9.60% | 5,880,241 |
| 198 | 6/15/2041 | 4,400,000 | 178,800,000 | 1,493,707 | 5/15/2041 | 6/14/2041 | 31 | 9.60% | 5,893,707 |
| 199 | 7/15/2041 | 4,400,000 | 174,400,000 | 1,410,805 | 6/15/2041 | 7/14/2041 | 30 | 9.60% | 5,810,805 |
| 200 | 8/15/2041 | 4,400,000 | 170,000,000 | 1,421,957 | 7/15/2041 | 8/14/2041 | 31 | 9.60% | 5,821,957 |
| 201 | 9/15/2041 | 4,400,000 | 165,600,000 | 1,386,082 | 8/15/2041 | 9/14/2041 | 31 | 9.60% | 5,786,082 |
| 202 | 10/15/2041 | 4,400,000 | 161,200,000 | 1,306,652 | 9/15/2041 | 10/14/2041 | 30 | 9.60% | 5,706,652 |
| 203 | 11/15/2041 | 4,400,000 | 156,800,000 | 1,314,332 | 10/15/2041 | 11/14/2041 | 31 | 9.60% | 5,714,332 |
| 204 | 12/15/2041 | 4,400,000 | 152,400,000 | 1,237,216 | 11/15/2041 | 12/14/2041 | 30 | 9.60% | 5,637,216 |
| 205 | 1/15/2042 | 4,400,000 | 148,000,000 | 1,242,582 | 12/15/2041 | 1/14/2042 | 31 | 9.60% | 5,642,582 |
| 206 | 2/15/2042 | 4,400,000 | 143,600,000 | 1,206,707 | 1/15/2042 | 2/14/2042 | 31 | 9.60% | 5,606,707 |
| 207 | 3/15/2042 | 4,400,000 | 139,200,000 | 1,057,525 | 2/15/2042 | 3/14/2042 | 28 | 9.60% | 5,457,525 |
| 208 | 4/15/2042 | 4,400,000 | 134,800,000 | 1,134,957 | 3/15/2042 | 4/14/2042 | 31 | 9.60% | 5,534,957 |
| 209 | 5/15/2042 | 4,400,000 | 130,400,000 | 1,063,627 | 4/15/2042 | 5/14/2042 | 30 | 9.60% | 5,463,627 |
| 210 | 6/15/2042 | 4,400,000 | 126,000,000 | 1,063,207 | 5/15/2042 | 6/14/2042 | 31 | 9.60% | 5,463,207 |
| 211 | 7/15/2042 | 4,400,000 | 121,600,000 | 994,192 | 6/15/2042 | 7/14/2042 | 30 | 9.60% | 5,394,192 |
| 212 | 8/15/2042 | 4,400,000 | 117,200,000 | 991,456 | 7/15/2042 | 8/14/2042 | 31 | 9.60% | 5,391,456 |
| 213 | 9/15/2042 | 4,400,000 | 112,800,000 | 955,581 | 8/15/2042 | 9/14/2042 | 31 | 9.60% | 5,355,581 |
| 214 | 10/15/2042 | 4,400,000 | 108,400,000 | 890,038 | 9/15/2042 | 10/14/2042 | 30 | 9.60% | 5,290,038 |
| 215 | 11/15/2042 | 4,400,000 | 104,000,000 | 883,831 | 10/15/2042 | 11/14/2042 | 31 | 9.60% | 5,283,831 |
| 216 | 12/15/2042 | 4,400,000 | 99,600,000 | 820,603 | 11/15/2042 | 12/14/2042 | 30 | 9.60% | 5,220,603 |
| 217 | 1/15/2043 | 4,400,000 | 95,200,000 | 812,081 | 12/15/2042 | 1/14/2043 | 31 | 9.60% | 5,212,081 |
| 218 | 2/15/2043 | 4,400,000 | 90,800,000 | 776,206 | 1/15/2043 | 2/14/2043 | 31 | 9.60% | 5,176,206 |
| 219 | 3/15/2043 | 4,400,000 | 86,400,000 | 668,686 | 2/15/2043 | 3/14/2043 | 28 | 9.60% | 5,068,686 |
| 220 | 4/15/2043 | 4,400,000 | 82,000,000 | 704,456 | 3/15/2043 | 4/14/2043 | 31 | 9.60% | 5,104,456 |
| 221 | 5/15/2043 | 4,400,000 | 77,600,000 | 647,014 | 4/15/2043 | 5/14/2043 | 30 | 9.60% | 5,047,014 |
| 222 | 6/15/2043 | 4,400,000 | 73,200,000 | 632,706 | 5/15/2043 | 6/14/2043 | 31 | 9.60% | 5,032,706 |
| 223 | 7/15/2043 | 4,400,000 | 68,800,000 | 577,578 | 6/15/2043 | 7/14/2043 | 30 | 9.60% | 4,977,578 |
| 224 | 8/15/2043 | 4,400,000 | 64,400,000 | 560,956 | 7/15/2043 | 8/14/2043 | 31 | 9.60% | 4,960,956 |
| 225 | 9/15/2043 | 4,400,000 | 60,000,000 | 525,081 | 8/15/2043 | 9/14/2043 | 31 | 9.60% | 4,925,081 |
| 226 | 10/15/2043 | 4,400,000 | 55,600,000 | 473,425 | 9/15/2043 | 10/14/2043 | 30 | 9.60% | 4,873,425 |
| 227 | 11/15/2043 | 4,400,000 | 51,200,000 | 453,330 | 10/15/2043 | 11/14/2043 | 31 | 9.60% | 4,853,330 |
| 228 | 12/15/2043 | 4,400,000 | 46,800,000 | 403,989 | 11/15/2043 | 12/14/2043 | 30 | 9.60% | 4,803,989 |
| 229 | 1/15/2044 | 4,400,000 | 42,400,000 | 381,580 | 12/15/2043 | 1/14/2044 | 31 | 9.60% | 4,781,580 |
| 230 | 2/15/2044 | 4,400,000 | 38,000,000 | 345,705 | 1/15/2044 | 2/14/2044 | 31 | 9.60% | 4,745,705 |
| 231 | 3/15/2044 | 4,400,000 | 33,600,000 | 289,841 | 2/15/2044 | 3/14/2044 | 29 | 9.60% | 4,689,841 |
| 232 | 4/15/2044 | 4,400,000 | 29,200,000 | 273,955 | 3/15/2044 | 4/14/2044 | 31 | 9.60% | 4,673,955 |
| 233 | 5/15/2044 | 4,400,000 | 24,800,000 | 230,400 | 4/15/2044 | 5/14/2044 | 30 | 9.60% | 4,630,400 |
| 234 | 6/15/2044 | 4,400,000 | 20,400,000 | 202,205 | 5/15/2044 | 6/14/2044 | 31 | 9.60% | 4,602,205 |
| 235 | 7/15/2044 | 4,400,000 | 16,000,000 | 160,964 | 6/15/2044 | 7/14/2044 | 30 | 9.60% | 4,560,964 |
| 236 | 8/15/2044 | 4,400,000 | 11,600,000 | 130,455 | 7/15/2044 | 8/14/2044 | 31 | 9.60% | 4,530,455 |
| 237 | 9/15/2044 | 4,400,000 | 7,200,000 | 94,580 | 8/15/2044 | 9/14/2044 | 31 | 9.60% | 4,494,580 |
| 238 | 10/15/2044 | 4,400,000 | 2,800,000 | 56,811 | 9/15/2044 | 10/14/2044 | 30 | 9.60% | 4,456,811 |
| 239 | 11/15/2044 | 2,800,000 | 0 | 22,830 | 10/15/2044 | 11/14/2044 | 31 | 9.60% | 2,822,830 |
| 240 | 12/15/2044 | 0 | 0 | 0 | 11/15/2044 | 12/14/2044 | 30 | 9.60% | 0 |
