Loans come in different shapes and sizes, but when it comes to repayment, two common structures stand out: equal payment loans (also known as annuity loans) and equal principal loans (fixed principal). Understanding these repayment methods is essential for borrowers and financial professionals alike, as they impact how interest is …
Blog posts


Net premium reserves
Net premium reserves play a fundamental role in actuarial calculations, ensuring that insurance companies can meet future liabilities. They represent the amount set aside to balance the insurer's obligations and policyholders' contributions over time. Understanding their calculation is crucial for anyone working with insurance models or cash flow projections.
In …

Real estate mortgage
Buying a home is one of the biggest financial decisions in life. A real estate mortgage makes it possible, but how does it actually work? Everyone - not only actuaries- becomes very interested in the mechanics of a mortgage once they take one. Understanding how loan payments are structured and …

Cash flow model output
In this post, we will discuss the output of a cash flow model using the cashflower package in Python. We will explore how to generate grouped output, select a subset of columns, and customise the output format. Understanding how to structure and manage output is essential for effective analysis and …

Model variables
Model variables are fundamental to financial cash flow models, shaping how calculations unfold over time. In this blog post, we will explore different types of model variables and demonstrate how to create them using the cashflower package.
Understanding how to define and use model variables effectively is crucial for …