Tag: Amortization

How To Set Loan Amortization [Calculator]

Optimizing Loan Structure

Competition for quality (and sometimes not so quality) loans is intense and banks are looking for every possible advantage. One area where community banks can gain a competitive advantage is strategically setting amortization and call terms on loans. Specifically, there is much-heated discussion at loan committees on setting amortization periods and commitment terms on secured real estate loans. Increase amortization and you increase the principal at risk.

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