A $10,000 loan amortized over 5 years at an inter­est rate of 10% per year requires payments of $2638 to completely remove the loan when interest is charged on the unrecovered balance of the prin­cipal. If interest is charged on the original princi­pal instead of the unrecovered balance, what is the loan balance after 5 years, provided the same $2638 payments are made each year?

What will be an ideal response?


Total amount owed = principal x interest of 10% per year on principal for 5 years
= P + Pni
= 10,000(1 + 5*0.1)
= 10,000(1.50)
= $15,000

Loan balance = Total amount owed – total amount paid
= 15,000 – 5(2638)
= $1810

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