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Calculating the amount and cost of credit Cash price (induding taxes) of the goods you are buying Provincialloan registration 001 *(1-,(/! + D)) IO Total net price Less amount ofyour down payment S Assume value and calculation based on that...... Interest rate formula is To calculate a true annual rate you use the following formula: Amount of credit JUA $ Plus: cost of credit. calculated at % per annum 109 Total deferred balance $