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This calculator is to be used as a guide only. It does not reflect comparison interest rates or true interest rates and it is based on the assumption that interest rate used will remain constant for the loan term you have entered. The formula used for the purpose of calculating monthly repayments is based on daily compounded interest. Repayment amounts are calculated based on principal and interest repayments. The results of this calculator do not take into account loan setup or establishment fees, government fees, statutory or lenders fees which may be applicable from time to time.