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SAS/ETS 9.22 User's Guide 92

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SAS/Ets 9.22 User's Guide 92. Provides detailed reference material for using SAS/ETS software and guides you through the analysis and forecasting of features such as univariate and multivariate time series, cross-sectional time series, seasonal adjustments, multiequational nonlinear models, discrete choice models, limited dependent variable models, portfolio analysis, and generation of financial reports, with introductory and advanced examples for each procedure. You can also find complete information about two easy-to-use point-and-click applications: the Time Series Forecasting System, for automatic and interactive time series modeling and forecasting, and the Investment Analysis System, for time-value of money analysis of a variety of investments | 902 F Chapter 16 The LOAN Procedure You use the following statements to find the breakeven point in the life of the loan for your preference between the loans proc loan start 1992 1 nosummaryprint amount 100000 life 360 fixed rate 8.25 label 8.25 - no discount points fixed rate 8 points 1000 label 8 - 1 discount point compare at 48 54 60 all taxrate 33 marr 4 run Output 16.1.1 shows the loan comparison reports as of January 1996 48th period July 1996 54th period and January 1997 60th period . Output 16.1.1 Loan Comparison Reports for Discount Point Breakeven The LOAN Procedure Loan Comparison Report Analysis through JAN1996 Loan Label Ending Outstanding Present Worth of Cost Payment Interest Paid 8.25 - no discount 96388.09 105546.17 751.27 32449.05 points 8 - 1 discount point 96219.32 105604.05 733.76 31439.80 Loan Comparison Report Analysis through JAN1996 True Loan Label Rate 8.25 - no discount 5.67 points 8 - 1 discount point 5.69 NOTE 8.25 - no discount points is the best alternative based on present worth of cost analysis through JAN1996. Example 16.1 Discount Points for Lower Interest Rates F 903 Output 16.1.1 continued Loan Comparison Report Analysis through JUL1996 Loan Label Ending Outstanding Present Worth of Cost Payment Interest Paid 8.25 - no discount 95847.27 106164.97 751.27 36415.85 points 8 - 1 discount point 95656.22 106153.97 733.76 35279.26 Loan Comparison Report Analysis through JUL1996 True Loan Label Rate 8.25 - no discount 5.67 points 8 - 1 discount point 5.67 NOTE 8 - 1 discount point is the best alternative based on present worth of cost analysis through JUL1996. Loan Comparison Report Analysis through JAN1997 Loan Label Ending Outstanding Present Worth of Cost Payment Interest Paid 8.25 - no discount 95283.74 106768.07 751.27 40359.94 points 8 - 1 discount point 95070.21 106689.80 733.76 39095.81 Loan Comparison Report Analysis through JAN1997 True Loan Label Rate 8.25 - no discount 5.67 points 8 - 1 discount point 5.66 NOTE 8 - 1 .