If you have a loan where the interest is either calculated or
compounded *daily*, I would appreciate it if you would send
me certain loan data (specified below). I am trying to intuit
the various ways that lenders might implement this paradigm.

Send the data to mortdata3 "at" hotmail.com. If you are
skittish about revealing your email address, set up a free
account at hotmail.com or mail.yahoo.com, for example.

The data I would like (as much as you can provide) are for
a period or series of periods with the *same* interest rate:

1. Loan balance before the period or series of periods.
2. Number of remaining periods.
3. Payment frequency (monthly, biweekly, semi-monthly, etc).
4. Amount of payment.
5. Jurisdiction (US, UK, Canada, etc).
6. Stated annual interest rate. *Not* the APR, if you are given two
rates.
7. Daily interest rate, if stated. *Not* the APR, if you are given
two rates.
8. The following information from *each* of one or more
periodic statements: beginning and ending dates,
beginning and ending balance, amount of payment,
amount of interest.

I do not expect to write back to you. But if it is okay for
me to do so (to request clarification), please indicate that.

Many thanks.

Disclaimers: I am an individual, not a broker or employee of a
lender. The information you provide is for my personal use only.
It will not be shared, and it will not be used for commercial purposes.

On Jul 22, 7:51 am, I wrote:
The data I would like (as much as you can provide) are for
a period or series of periods with the *same* interest rate:
1. Loan balance before the period or series of periods.
2. Number of remaining periods.
3. Payment frequency (monthly, biweekly, semi-monthly, etc).
4. Amount of payment.
5. Jurisdiction (US, UK, Canada, etc).
6. Stated annual interest rate. *Not* the APR, if you are given two
rates.
7. Daily interest rate, if stated. *Not* the APR, if you are given
two rates.
8. The following information from *each* of one or more
periodic statements: beginning and ending dates,
beginning and ending balance, amount of payment,
amount of interest.

With respect to #4 (amount of payment), please include only the amount
required to pay back the loan amount (principal and/or interest).
Specifically, do not include any mortgage insurance premiums that
might be included in the periodic payment.

PS: I prefer not to have a discussion in this thread. I fear that
readers might mistakenly think that my lack of response means that the
issue has been resolved, and they will not send me the data that I
request.

Comments and questions can also be sent to mortdata3 "at" hotmail.com.