Forbearance is a hot term in finance today. Forbearance is an agreement where the lender delays its right to exercise foreclosure if the borrower can either catch up to its payment schedule by a certain time or agree to extend the term of the loan. The key for the borrower is to get some relief due to financial difficulties. The key to the lender is to keep their customer in the property, give them some relief, and keep their yield on the loan. How this is done can make a significant impact on either party.

You can easily transfer your TValue 5 files to TValue 6 and then open them in TValue 6.

All versions of TValue amortization software will handle variable rate loans. Normally, loan payments change as the rates change and the term stays the same. Here is a simple calculation to show you the process for doing rate changes in TValue.

The imputed interest rate is an unstated interest rate and it can cover many different scenarios. To calculate an imputed interest rate, you need to input the actual cash flows and then you can solve for the interest rate.

The present value and the net present value are essentially the same calculation. As the example below shows, the difference has to do with whether there is a starting balance or not.