　　　　　　　　　　　　　　　　　　　　　　　　　　Under work

　　（Account to calculate Principal-and-interest as 365days）

　　　　　　　　　　　　　　　　　　　　 Work,zunoushudan limited

　Account to calculate Principal-and-interest　as 365days

　It is the account which can be used no matter what method [ calculation ]the consumer-credit-business company may use in case a lawyer processes aconsumer loan incident, since this account is the calculation method most advantageous to a lender.

　Many of Japan's lawyers are purchasing and using this account.　

　This accountis used, and many Japan's lawyers attach interest and are making the overpayment money paid to the consumption kind financier return.

　This account is the necessaries of those who are engaged in a lawyer and a consumer loan incident.

　Existence of this account is accepted by Tokyo District Court of Japan

3 The work person of this account and the meaning of this account etc.

　The lawyer of Japan which is the amateur of a computer makes this account.

　Probably, this account will be the first in Japan as an account which can carry out offset calculation of overpayment money and the new loan money.

　As the calculation method in which a lawyer does selection use, there is a method of adopting the calculation method which the consumption kind financier who is a partner has adopted.　

　But, the calculation method which the consumer-credit-business company who is a partner has chosen is not chosen because it is complicated.

　This account is suitable as a method of choosing in such a case. It is because consumer credit business cannot describe an objection since it is the calculation method advantageous to a consumer-credit-business company.

　Since it is such, this account has high flexibility for a lawyer.

　There are two or more calculation methods in annual interest calculation.　

　The Japanese version of this account is called Mr. calculation.,「返せ計算くん」

　The account of the Japanese version has five kinds of things.　

　With the Japanese version, it is called the account for year 365 days. "年３６５日計算書"

　This account　is adopted by agreement of a person concerned.

　When there is no agreement in between persons concerned, about the fraction period except a year unit, you should calculate by considering as 365 days or 366 days by whether February 29 exists in [ other ] one year.　Such a calculation method is called opinion on fraction period February 29.　

With the Japanese version, it is called "fraction period February 29 theory." "端数期間２月２９日説"　It is called "fraction period abstract February 29 theory."　"端数期間抽象的２月２９日説"　

　If it can be five kinds again and is an idea to use Mr. calculation"返せ計算くん", please return the Japanese version and purchase Mr. calculation”返せ計算くん”.

　In order to use this account, the program more than Windows 95 and a 95 ormore Excel program are required.

　Since Excel 95 has functional restriction, we recommend you to use a 97 ormore Excel program.

　In the case of Excel 95 It does not calculate in 2079 and afterwards.　　

　The principal and interest in a consumption sell-and-lease agreement are calculated.

　Overpayment money in a consumption sell-and-lease agreement is calculated.

　Interest money of the overpayment money in a consumption sell-and-lease agreementis calculated.

　The debt balance in a consumption sell-and-lease agreement is calculated.

　Division money in a consumption sell-and-lease agreement is calculated.

　If calculation structure is mastered, inverse operation calculation of divisionmoney and inverse operation calculation of an interest rate will be carried out.

　　　To the 240th time, additional lease of the same amount is considered as the first time.

　　　To the 240th time, liquidation of the same amount is considered as the first time.

　　　To the 240th time, it is made the interest rate of the first rate of said.

If it clicks a button "one year"at only interest payment

If it clicks a button "two years"at only interest payment

If it clicks a button "three years"at only interest payment

If it clicks a button "two years"at momthly installment

　　　The date on the same day is part[ during two years ]-inputted every month by making into the initial date

in reckoning the days and months inputted into the 1st line.

If it clicks a button "five years"at momthly installment

　　　The date on the same day is part[ during five years ]-inputted every month by making into the initial date

in reckoning the days and months inputted into the 1st line.

If it clicks a button "ten years"at momthly installment

　　　The date on the same day is part[ during ten years ]-inputted every month by making into the initial date

in reckoning the days and months inputted into the 1st line.

If it clicks a button "towenty years"at momthly installment

　　　The date on the same day is part[ during twenty years ]-inputted every month by making into the initial date

in reckoning the days and months inputted into the 1st line.

If a numerical value is inputted into cell of "accrued interest"

If 1 is inputted into cell of "if the first day interest off"

　　　Interest money of the first day is not calculated.

If 1 is inputted into cell of "calculating interest within deducting loan from repayment "

　　　It calculates interest within deducting loan from repayment

　　　The interest of overpayment money is calculated and displayed.

If a numerical value is inputted into cell of "if put in received amount"

　　　Calculation according to Article 2 of the law of a maximum interest rate of Japan is carried out.