ÿþ<HTML> <HEAD> <TITLE>Auto Loans</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Auto Loan Calculator</H1><P>Use this calculator to help you determine your monthly auto loan payment or your auto purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the "View Report" button.<P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="400" width="565"><param name="code" value="AutoLoan" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="AutoLoan.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar"><![endif]> <PARAM name="MONTHLY_PAYMENT" value="300"> <PARAM name="INTEREST_RATE" value="9.00"> <PARAM name="TERM" value="48"> <PARAM name="CASH_DOWN" value="1500"> <PARAM name="TRADE_ALLOWANCE" value="5000"> <PARAM name="AMOUNT_OWED_ON_TRADE" value="4000"> <PARAM name="NONTAX_FEES" value="40"> <PARAM name="TAXABLE_FEES" value="0"> <PARAM name="SALES_TAX_RATE" value="6.00"> <PARAM name="AUTO_SALE_PRICE" value="20000"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Auto Loans</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Auto Financing Results </DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>Your auto financing of LOAN_AMOUNT has a monthly payment of MONTHLY_PAYMENT.</H1><P>This is for LOAN_AMOUNT in auto financing at INTEREST_RATE for TERM months. The total for all of your payments** would be TOTAL_OF_PAYMENTS.<P>**GRAPH** <P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TH colspan=2>Auto Financing Summary</TH></TR> <TR><TD><B>Interest rate:</B></TD><TD>INTEREST_RATE</TD></TR> <TR><TD><B>Term in months:</B></TD><TD>TERM</TD></TR> <TR><TD><B>Total purchase price (before tax):</B></TD><TD>AUTO_SALE_PRICE </TD></TR> <TR><TD><B>Taxable fees:</B></TD><TD>TAXABLE_FEES</TD></TR> <TR><TD><B>Sales tax*:</B></TD><TD>SALES_TAX</TD></TR> <TR><TD valign=top><B>&NBSP;</B></TD><TD colspan=1>*MSG_CHECK_TAX_LESS_TRADE Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box 'No sales tax deduction for trade-in' on the main calculator page. </TD></TR> <TR><TD><B>Non-taxable fees:</B></TD><TD>NONTAX_FEES</TD></TR> <TR><TD><B>Total sales price (after tax):</B></TD><TD>TOTAL_SALE_PRICE</TD></TR> <TR><TD valign=top><B>Total down payment**:</B></TD><TD>TOTAL_DOWN</TD></TR> <TR><TD valign=top><B>&NBSP;</B></TD><TD colspan=1>**Your total down payment is calculated as your rebates and cash down payment of CASH_DOWN plus your trade-in allowance of TRADE_ALLOWANCE minus the AMOUNT_OWED_ON_TRADE balance outstanding on your trade-in vehicle.</TD></TR> <TR BGCOLOR='#CCCCCC'><TD><B>Amount financed:</B></TD><TD>LOAN_AMOUNT</TD></TR> <TR BGCOLOR='#CCCCCC' ><TD><B>Monthly payment:</B></TD><TD>MONTHLY_PAYMENT</TD></TR> <TR BGCOLOR='#CCCCCC'><TD><B>Total payments***:</B></TD><TD>TOTAL_OF_PAYMENTS</TD></TR> <TR BGCOLOR='#CCCCCC'><TD><B>Total interest paid***:</B></TD><TD>INTEREST_PAID</TD></TR> <TR><TD valign=top><B>&NBSP;</B></TD><TD colspan=1>***This assumes that you do not refinance and that all payments are made on time with no prepayments.</TD></TR> </TABLE></TD></TR></TABLE> </CENTER> <P><DIV class=large>Payment schedule</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Monthly payment</B><DD>Monthly payment for your auto financing.<P> <DT><B>Total purchase price (before tax)</B><DD>This is the total cost of your auto purchase. Include the cost of the vehicle, any additional options and any destination charges. Don't include sales tax in this amount. Sales tax will be calculated for you and included in your total after tax price.<P> <DT><B>Term in months</B><DD>Number of months for this loan.<P> <DT><B>Interest rate</B><DD>Annual interest rate for this loan.<P> <DT><B>Rebates and Cash down</B><DD>Total amount of cash and/or factory rebates used in this purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.<P> <DT><B>Trade allowance</B><DD>The total amount that you are given for any automobile that you trade-in as part of this purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "Sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.<P> <DT><B>Amount owed on trade</B><DD>Total loan balance still outstanding on the trade-in.<P> <DT><B>Non-taxable fees (optional)</B><DD>Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.<P> <DT><B>Taxable fees (optional)</B><DD>Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.<P> <DT><B>Sales tax rate</B><DD>Sales tax percentage rate charged on this purchase.<P> <DT><B>No sales tax deduction for trade-in</B><DD>If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade in. Currently California, the District of Columbia, Hawaii, Maryland, and Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos. <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>