Oycora methodology
Loan Maturity in Projections
The point after which a modeled amortizing loan has no remaining balance or scheduled debt service.
Methodology v1.0Effective 2026-08-23Last reviewed 2026-08-23
How this is calculated
After the final modeled payment: balance = 0 and debt service = 0
Principal paydown is capped at original principal.
Why it matters
Holding periods can extend beyond the loan term without producing negative balances or continued payments.
What is included
- Loan term
- Payment schedule
- Projection year
What is excluded
- Balloon payments unless represented by the selected model
- Refinancing not explicitly entered
Assumptions and limitations
- Actual loan documents control real maturity and payment obligations.