EMI BY NEW METHOD

Sir
I am presenting a new method of arriving EMI.
I have prepared the calculator sheet, butnot know to attach.
the details are copied as text.
pl examine.
Pl help to attach the calculator.
In the meanwhile pl examine the underfurnished details

Method of arriving EMI other than PMT or algebraic formula.

I am presenting a methodology by which we can arrive the EMI, BY
which is different from our PMT function.
RAMA_51
Please click the FORMULA SHEET.

Fill the green cells.

The calculator arrives figures of FD cumulative and RD value.

The formula can be put as:

EMI for amount A for period N and interest rate R, will be

=Maturity value of Amount A for N + 1 months at rate R /
A METHOD TO ARRIVE EMI BY USING FD CUMULATIVE AND RECURRING DEPOSIT

LOAN AMOUNT 500000 presented by :
PERIOD 120 (MONTHS) (N) RAMA_51

INTEREST RATE 11 (MONTHLY RESTS)

E   M   I Rs.
6,887.50

THE METHOD EXPLANATION:
A fixed deposit - cumulative interest.

ARRIVE THE MATURITY VALUE OF THE LOAN AMOUNT
Amount 500000 FOR '(N + 1)' MONTHS (see value against A1(cell A16))

period 121 (months) (N +1)
interest 11 ARRIVE THE MATURITY VALUE OF RD FOR Rs.1/-

AT THE SAME RATE FOR ' N' MONTHS
A1 maturity value 1508275.07 (d5*(1+d7%/12)^d6)
see value against B1(cellA23)

B Recurring deposit - using the function FV
amount 1 E M I , will be (A1)  / (B1)
period 120 ( N)
interest 11 Thus:
EMI, for an amount A , period N, and interest R, will be:
B1 maturity value 218.99 =Maturity value of A for N+1 months at interest R

EMI WILL BE A1/B1
Rs.
6,887.50
maturity value of RD for period N at same interest for Rs1/-

LIABILITY AFTER A PERIOD

DATA FROM FORMULA SHEET BROUGHT FORWARD presented by:
LOAN AMOUNT 500000 RAMA_51
PERIOD 120 (MONTHS) (N) Please fill the green cell to arrive

INTEREST RATE 11 (MONTHLY RESTS) a liability after a period run

E   M   I 6887.500565

TO ARRIVE THE LIABILITY OF THE LOAN AFTER A PERIOD LESS THAN THE TERM OF THE LOAN

(INTEREST RATE IS TAKEN SAME AS ABOVE
PERIOD RUN 80 MONTHS <<If we put the period run  as
the loan period,
FD VALUE FOR 81 MONTHS 1047043.37
A the liability reads
as 0
RD VALUE FOR
EMI AMOUNT 80 MONTHS 815169.55 B

Liability after 80 months will be >> 231873.81

Anwsers to the Problem EMI BY NEW METHOD

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Manually editing the Windows registry to fix Error EMI BY NEW METHOD

Caution: Unless you an advanced PC user, we DO NOT recommend editing the Windows registry manually. Using Registry Editor incorrectly can cause serious problems that may require you to reinstall Windows. We do not guarantee that problems resulting from the incorrect use of Registry Editor can be solved. Use Registry Editor at your own risk.

• Click the Start button.
• Type "command" in the search box... DO NOT hit ENTER yet!
• While holding CTRL-Shift on your keyboard, hit ENTER.
• You will be prompted with a permission dialog box.
• Click Yes.
• A black box will open with a blinking cursor.
• Type "regedit" and hit ENTER.
• In the Registry Editor, select the Error 0x9C-related key (eg. Windows Operating System) you want to back up.
• From the File menu, choose Export.
• In the Save In list, select the folder where you want to save the Windows Operating System backup key.
• In the File Name box, type a name for your backup file, such as "Windows Operating System Backup".
• In the Export Range box, be sure that "Selected branch" is selected.
• Click Save.
• The file is then saved with a .reg file extension.
• You now have a backup of your MACHINE_CHECK_EXCEPTION-related registry entry.

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