Negative Amortization:

Exec-Amort™ Loan Amortization Plus for Windows™ handles payment terms such that when the borrower's monthly payments do not cover the interest due, the balance due is added to the loan balance making it rise - thus "negative amortization". Exec-Amort™ Loan Amortization Plus for Windows™ can handle the negative amortization interest in several ways:

1. A separate interest accrual with interest charge only on the outstanding principal
2. Separate interest accrual with interest on interest
3. Adding the interest charge into the principal balance, thus increasing the principal balance