Business Loan Repayment Table

The table below will enable you to calculate your monthly repayments on a normal capital and interest loan such as a traditional mortgage where you pay off the capital borrowed as you go.

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The table shows the monthly cost per £1,000 borrowed.

So to find out how much the repayments would be on a loan of say £100,000 at 7% over 25 years simply:

• find the figure for 7% at 25 years (£7.07); and

• multiply by 100 to obtain a monthly cost of £707.

Capital and interest loan repayment table
Interest rate	Period of loan in years
Interest rate	5	6	7	8	9	10	12	15	20	25
6.0%	19.33	16.57	14.61	13.14	12.01	11.10	9.76	8.44	7.16	6.44
6.5%	19.57	16.81	14.85	13.39	12.25	11.35	10.02	8.71	7.46	6.75
7.0%	19.80	17.05	15.09	13.63	12.51	11.61	10.28	8.99	7.75	7.07
7.5%	20.04	17.29	15.34	13.88	12.76	11.87	10.55	9.27	8.06	7.39
8.0%	20.28	17.53	15.59	14.14	13.02	12.13	10.82	9.56	8.36	7.72
8.5%	20.52	17.78	15.84	14.39	13.28	12.40	11.10	9.85	8.68	8.05
9.0%	20.76	18.03	16.09	14.65	13.54	12.67	11.38	10.14	9.00	8.39
9.5%	21.00	18.27	16.34	14.91	13.81	12.94	11.66	10.44	9.32	8.74
10.0%	21.25	18.53	16.60	15.17	14.08	13.22	11.95	10.75	9.65	9.09
10.5%	21.49	18.78	16.86	15.44	14.35	13.49	12.24	11.05	9.98	9.44
11.0%	21.74	19.03	17.12	15.71	14.63	13.78	12.54	11.37	10.32	9.80
11.5%	21.99	19.29	17.39	15.98	14.90	14.06	12.83	11.68	10.66	10.16
12.0%	22.24	19.55	17.65	16.25	15.18	14.35	13.13	12.00	11.01	10.53
12.5%	22.50	19.81	17.92	16.53	15.47	14.64	13.44	12.33	11.36	10.90
13.0%	22.75	20.07	18.19	16.81	15.75	14.93	13.75	12.65	11.72	11.28
13.5%	23.01	20.34	18.46	17.09	16.04	15.23	14.06	12.98	12.07	11.66
14.0%	23.27	20.61	18.74	17.37	16.33	15.53	14.37	13.32	12.44	12.04
14.5%	23.53	20.87	19.02	17.66	16.63	15.83	14.69	13.66	12.80	12.42
15.0%	23.79	21.15	19.30	17.95	16.92	16.13	15.01	14.00	13.17	12.81
15.5%	24.05	21.42	19.58	18.24	17.22	16.44	15.33	14.34	13.54	13.20
16.0%	24.32	21.69	19.86	18.53	17.53	16.75	15.66	14.69	13.91	13.59
16.5%	24.58	21.97	20.15	18.82	17.83	17.06	15.99	15.04	14.29	13.98
17.0%	24.85	22.25	20.44	19.12	18.14	17.38	16.32	15.39	14.67	14.38
17.5%	25.12	22.53	20.73	19.42	18.45	17.70	16.65	15.75	15.05	14.78
18.0%	25.39	22.81	21.02	19.72	18.76	18.02	16.99	16.10	15.43	15.17
18.5%	25.67	23.09	21.31	20.03	19.07	18.34	17.33	16.47	15.82	15.57
19.0%	25.94	23.38	21.61	20.33	19.39	18.67	17.67	16.83	16.21	15.98
19.5%	26.22	23.66	21.91	20.64	19.71	19.00	18.02	17.19	16.60	16.38
20.0%	26.49	23.95	22.21	20.95	20.03	19.33	18.37	17.56	16.99	16.78

Of course the information contained in an article like this can never be a full statement of the legal position as the relevant laws are complex and liable to change. This article can only therefore be a general guide as to the issues involved and as these can have serious implications you should always seek appropriate professional advice on your own particular circumstances before taking any action.

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