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• A small enterprise plans to purchase a new truck to expand its business.
• The following information is given:
• The truck is a Hyundai HD65, brand new 100%, the market price is 850 million VND (this selling price included all relevant taxes and fees) and this information is provided by the Truong Hais Distributor in HCMC. The new truck will be used in business to generate revenue right after the company receives it from the seller.
• The enterprise is operating two identical trucks (same as the one that intends to buy) in business. These two trucks are operating in optimal capacity, each truck generates 70 million VND per month averagely.
• The enterprise has accumulated 300 million VND and it plans to apply for an installment loans to borrow the remaining money to buy the new truck. The enterprise proposes to 24 months borrowing period and it repays equal amount of principal in each quarter. Interest is calculating on opening debt balance of each payment quarter.
• The lending interest rate is 3% per quarter.
• The collateral will be the new truck.

Each truck of the enterprise needs a monthly maintenance service that costs 5 million VND and a quarterly maintenance service that costs 10 million per quarter. Each truck needs a driver that receives 8 million VND as monthly salary. In addition, the company applies the straight-line depreciation method for all trucks and depreciation period is 5 years. Finally, the monthly marketing and administrative costs of the company is 35 million VND.

Request: Let assume some more costs that lacked from the given information and list all the costs of the enterprise. Accordingly, evaluate that this client is affordable the repayment.