Capitalisation Chart

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Graph below can be used to understand relationship between:
  • Duration of mortgage
  • Amount of interest paid to bank (solid lines starting from 0)
  • Applying overpayment monthly by reducing capital term (i.e. duration) and keeping same monthly payment
  • Applying overpayment monthly by keeping capital term and reducing monthly payment
  • How monthly payment changes over life of the mortgage (dotted lines)

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