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MOCHILAB / AI SKILL
Mortgage Prepayment Scenarios
Compare fixed-rate mortgage prepayment options, including lower payments, shorter terms and explicit fees.
What it does
Compare fixed-rate mortgage prepayment options, including lower payments, shorter terms and explicit fees.
- Remaining fixed-rate loan model
- Shorten term or recast payment
- Net savings after prepayment fees
- Explicit prepayment month
Try saying
Use my supplied records to compare fixed-rate mortgage prepayment options, including lower payments, shorter terms and explicit fees.
Export a reproducible report with the assumptions, key metrics and detailed CSV. Ask me for missing facts first.
Calculation scope
This is a fixed-rate, level-payment model. Prepayment occurs after the specified month’s normal payment. Recasting keeps the original remaining term; shortening keeps the original regular payment. Contractual daily-interest rules and rate resets need separate treatment.
Deliverables and runtime
Includes executable Python 3.10+ standard-library calculations, independent numerical tests, fictional examples and an input reference. Supported flat collections accept CSV. No extra market-data key is needed. Files stay in the active assistant workspace, with input and output hashes. Analysis only; no account access or automatic trading.
References