Harmoney

[Cool Bear]

I have about 6000 loans and in for about 24+months. Arrears is currently 7.18% (total principal at risk vs total amount o/s). Mine was higher risk including E and F. RAR still above 14%. Would be better going with RMJH's risk spread.

Hi Alistar
just realised that there are quite a few loans in my list that are classified as "Arrears" but have "Amounts in Arrears" = 0. These total 24 out of the 261 loans in arrears. My previous percentage above do not take these into account. That 7.18% was based on the spreadsheet adding the principal outstanding only if the value in "Amounts in Arrears" is not equal to 0. So, if I add the "Outstanding Principals" of these zero value Arrears, my principal at risk is higher at 7.84%.