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MESBAH POINT: A VERTEX POINT INDEPENDENT FROM THE INTEREST RATE IN THE MARKET, IN THE ZERO PERCENT, NO INTEREST RATE FINANCING METHOD
MESBAH POINT: A VERTEX POINT INDEPENDENT FROM THE INTEREST RATE IN THE MARKET, IN THE ZERO PERCENT, NO INTEREST RATE FINANCING METHOD
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机译：MESBAH点：与市场利率无关的顶点，以零百分比表示，无利率融资方法
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摘要
Using the total amount of interest paid by the borrower in an amortized loan as a future value in the time value of money formula at the interest rate ranges 1% to 35%, the discount value is the amount of upfront fee (UFF) required to be collected from the borrower to provide a zero percent interest rate, no interest loan. The relationship between the amount of upfront fee (UFF) and interest rate is characterized by a parabolic shape with a vertex which is referred to as Mesbah Point, which is the optimum amount of upfront fee (UFF) collected, irrespective of the interest rate, to produce the equivalent amount of total collected interest within the same term as in a conventional loan. The same parabolic relationship exists in each 30,20,15,10 and 5 year loan term; wherein the value of Mesbah Point increases as the term shortens.
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