General Information Series, Vol. 1, No. 2, BFAR
Socio-economic Survey of the Aquaculture Industry in the Philippines, Research Paper Series No. 8.
Creencia, J.R., A.M. Valiente, Jr. and F.L. Carandang, Bangus Marketing, Special Studies Division, Department of Agriculture, Nov. 1973.
Guerrero, C.V. and L.B. Darrah, Bangus Marketing 1974, Special Studies Division, Department of Agriculture, Jan. 1975.
Cruz, Z. dela and M.S. Lizarondo, Fishpond Operations and Marketing Practices in Quezon Province 1977, Marketing Research Section, Agricultural Marketing Research Division, Bureau of Agricultural Economics, Sept. 1978.
Introduction to Accounting and Management for Sea Fishermen, Manual for Extension Worker, FAO Fisheries Technical Paper No. 127, FAO, Rome, 1973.
DBP Guidelines for Fisheries Industry Loan Program, DBP, Makati
Implementing Guidelines Governing the Short-Term Financing Program for Fisheries Production and Development, DRBSLA, CB, Manila.
APPENDIX A
Republic of the Philippines
Department of Natural Resources
BUREAU OF FISHERIES AND AQUATIC RESOURCES
860 Quezon Avenue, Quezon City, Metro Mla.
Tel. Nos. 96-54-98 96-54-83
APPLICATION FOR FISHPOND LEASE AGREEMENT
Application No. | Place |
Date |
(New, lease, conversion, renewal, transfer or change of area (state which)
The Director of Fisheries, Quezon City:
I, , a citizen of the Philippines, years old, (Civil Status) . (A married woman must attach the marital consent of her husband.) My occupation is and with residence at . Do hereby apply under the provisions of Section 63 of Act 4003, as amended, R.A. No. 3512, and Presidential Decree No. 704, to lease and occupy a parcel of public forest land for fishpond purposes, containing hectares, more lr less, as shown in the attached sketch, and particularly bounded and described as follows:
Province | North |
Municipality | East |
Barrio | South |
Sitio | West |
My initial capital for the construction of the area which represents 1/5; of the amount needed to complete its development, based also at 1,000.00 per hectare, is , as evidenced by the attached certification of bank deposit. Also enclosed is an affidavit stating that the said initial capital will be exclusively used for the development of the area, and a verified statement of my assets and properties from which derived the initial capital needed. (In case of a corporation or partnership, submit two certified copies of Articles of Incorporation, and the registration papers as approved by the Securities and Exchange Commission).
I am/not a government employee and do/not receive compensation of MONTHLY/ YEARLY as (indicate position and office). As a government employee I have the proper authorization of the proper Department Head which is herewith enclosed or will later be filed.
I understand that this application does not authorize me to enter the area or introduce improvements therein, unless a fishpond lease is issued in my favor, I also bind myself to comply with the provisions of laws, rules and regulations; and the instruction issued by that Office, and to those that maybe regarding the use and operation of the area herein described; and I shall be solely responsible for the proper compliance with the same by all persons who will operate under my authority. I understand that this application is non-transferrable; and that the application fee paid therefore is non-refundable.
I finally understand that non-delivery of communications regarding my application due to my failure to notify the Office within fifteen (15) days of change of address or of erroenous address, will be sufficient ground for rejection of the application.
Herewith enclosed is an application fee of five ( 5.00) pesos cash, check or postal money order no. dated .
(Postal Address) | (Signature of Applicant) |
SUBSCRIBED AND SWORN to before me this day of , 19 at , Philippines. The affient exhibited to me his/her Res. Cert. No. A issued at on .
Notary Public |
Doc. No.
Page No.
Book No.
Series of 197
APPENDIX B
INITIAL ENVIRONMENTAL EXAMINATION FORM
NAME OF PROJECT PROPONENT
ADDRESS
DESCRIPTION OF ENVIRONMENTAL SETTING:
LOCATION OF PROJECT SITE: (Use national, regional and local maps to indicate the exact location of the project site. Also include the zoning map of the city, municipality or locality where project site is situated).
DESCRIPTION OF PROJECT SITE AND VICINITY: (Total area, existing land use and information on possible future area expansion).
DESCRIPTION OF SURROUNDING AREAS: (Outline)
Existing Physical and Chemical Characteristics:
Earth (mineral resources, soils, land forms, unique physical features);
Water (surface, ocean, underground, quality, temperature, recharge);
Atmosphere (quality, climate, temperature);
Processes (floods, erosion, earthquakes, deposition, absorption, compaction, and settling, stability, air movements).
Existing Biological Conditions:
Flora (trees, shrubs, etc.);
Fauna (birds, land animals, etc.).
Existing Cultural Factors:
Land use (agricultural, residential, industrial, commercial, forestry, grazing, wetlands, mining and quarrying);
Man-mad facilities and activities (structures, utility networks, transportation networks, waste disposal, barriers, corridors);
Aesthetics and human interest (scenic views and vistas, open space qualities, landscape design, unique physical features, parks and reserves, movements, rare and unique species, historical and archeological sites and objects);
Cultural status (employment, lifestyle, health and safety, population density);
Recreation (resorts, swimming, fishing, etc.)
Ecological Relationships: (Food chains, diseases and insect vectors, etc.)
Other Characteristics
PROJECT DESCRIPTION:
Type
Project Size or Scale
Purpose of the Project
Estimated Cost
Resumé of Project Construction, Actual and Planned Operations
Kind, mode, rate and place of discharge or emissions and/or effluents generated during the construction and operation of the project
Mitigation Measures and Alternatives
PREPARED BY:
ENDORSED BY: (Project Proponent Head)
APPENDIX C
Date (Yr) | Activities/Remarks | Income | Expenses | ||
Mo. Day | |||||
APPENDIX D
PRESENT VALUE AT RATE i OF THE SUM OF N ANNUAL INSTALMENTS OF F 1 PAYABLE AT END OF YEAR:
i | 2 % | 3 % | 4 % | 5 % | 5½ % | 6 % | 6½ % | 7 % | 7½ % | 8 % | 8½ % | 9 % | 9½ % | 10 % | 11 % | 12 % | 13 % | 14 % | 15 % | 16 % | 18 % | 20 % | 25 % | 30 % | |
n | …… | ||||||||||||||||||||||||
1 | …… | 0.980 | 0.971 | 0.962 | 0.952 | 0.948 | 0.943 | 0.939 | 0.935 | 0.930 | 0.926 | 0.922 | 0.917 | 0.913 | 0.909 | 0.901 | 0.893 | 0.885 | 0.877 | 0.870 | 0.862 | 0.847 | 0.833 | 0.800 | 0.769 |
2 | …… | 1.942 | 1.913 | 1.886 | 1.859 | 1.846 | 1.833 | 1.821 | 1.808 | 1.796 | 1.783 | 1.771 | 1.759 | 1.747 | 1.736 | 1.713 | 1.690 | 1.668 | 1.647 | 1.626 | 1.605 | 1.566 | 1.528 | 1.440 | 1.361 |
3 | …… | 2.884 | 2.829 | 2.775 | 2.723 | 2.698 | 2.673 | 2.648 | 2.624 | 2.601 | 2.577 | 1.713 | 2.531 | 2.509 | 2.487 | 2.444 | 2.402 | 2.361 | 2.322 | 2.283 | 2.246 | 2.174 | 2.106 | 1.952 | 1.816 |
4 | …… | 3.808 | 3.717 | 3.630 | 3.546 | 3.505 | 3.465 | 3.426 | 3.387 | 3.349 | 3.312 | 3.276 | 3.240 | 3.204 | 3.170 | 3.102 | 3.037 | 2.974 | 2.914 | 2.855 | 2.798 | 2.690 | 2.589 | 2.362 | 2.166 |
5 | …… | 4.713 | 4.580 | 4.452 | 4.329 | 4.270 | 4.212 | 4.156 | 4.100 | 4.046 | 3.993 | 3.941 | 3.890 | 3.840 | 3.791 | 3.696 | 3.605 | 3.517 | 3.433 | 3.352 | 3.274 | 3.127 | 2.991 | 2.689 | 2.436 |
6 | …… | 5.601 | 5.417 | 5.242 | 5.076 | 4.996 | 4.917 | 4.841 | 4.767 | 4.694 | 4.623 | 4.554 | 4.486 | 4.420 | 4.355 | 4.231 | 4.111 | 3.998 | 3.889 | 3.784 | 3.685 | 3.498 | 3.326 | 2.951 | 2.643 |
7 | …… | 6.472 | 6.230 | 6.002 | 5.786 | 5.683 | 5.582 | 5.485 | 5.389 | 5.297 | 5.206 | 5.119 | 5.033 | 4.950 | 4.868 | 4.712 | 4.564 | 4.423 | 4.288 | 4.160 | 4.039 | 3.812 | 3.605 | 3.161 | 2.802 |
8 | …… | 7.325 | 7.020 | 6.733 | 6.463 | 6.335 | 6.210 | 6.089 | 5.971 | 5.857 | 5.747 | 5.639 | 5.535 | 5.433 | 5.335 | 5.146 | 4.968 | 4.799 | 4.639 | 4.487 | 4.344 | 4.078 | 3.837 | 3.329 | 2.925 |
9 | …… | 8.162 | 7.786 | 7.435 | 7.108 | 6.952 | 6.802 | 6.656 | 6.515 | 6.379 | 6.247 | 6.119 | 5.995 | 5.875 | 5.759 | 5.537 | 5.328 | 5.132 | 4.946 | 4.772 | 4.607 | 4.303 | 4.031 | 3.463 | 3.019 |
10 | …… | 8.983 | 8.530 | 8.111 | 7.722 | 7.538 | 7.360 | 7.189 | 7.024 | 6.864 | 6.710 | 6.561 | 6.418 | 6.279 | 6.145 | 5.889 | 5.650 | 5.426 | 5.216 | 5.019 | 4.833 | 4.494 | 4.192 | 3.571 | 3.092 |
11 | …… | 9.787 | 9.253 | 8.760 | 8.306 | 8.093 | 7.887 | 7.689 | 7.499 | 7.315 | 7.139 | 6.969 | 6.805 | 6.647 | 6.495 | 6.207 | 5.988 | 5.687 | 5.453 | 5.234 | 5.029 | 4.656 | 4.327 | 3.656 | 3.147 |
12 | …… | 10.575 | 9.954 | 9.385 | 8.863 | 8.619 | 8.384 | 8.159 | 7.943 | 7.735 | 7.536 | 7.345 | 7.161 | 6.984 | 6.814 | 6.492 | 6.194 | 5.918 | 5.660 | 5.421 | 5.197 | 4.793 | 4.439 | 3.725 | 3.190 |
13 | …… | 11.343 | 10.635 | 9.986 | 9.394 | 9.117 | 8.853 | 8.600 | 8.358 | 8.126 | 7.904 | 7.691 | 7.487 | 7.291 | 7.103 | 6.750 | 6.424 | 6.122 | 5.842 | 5.583 | 5.342 | 4.910 | 4.533 | 3.780 | 3.223 |
14 | …… | 12.106 | 11.296 | 10.563 | 9.899 | 9.590 | 9.295 | 9.014 | 8.745 | 8.489 | 8.244 | 8.018 | 7.786 | 7.572 | 7.367 | 6.982 | 6.628 | 6.302 | 6.002 | 5.724 | 5.468 | 5.008 | 4.611 | 3.824 | 3.249 |
15 | …… | 12.849 | 11.938 | 11.118 | 10.380 | 10.038 | 9.712 | 9.403 | 9.108 | 8.827 | 8.559 | 8.304 | 8.061 | 7.828 | 7.606 | 7.191 | 6.811 | 6.462 | 6.142 | 5.847 | 5.575 | 5.092 | 4.675 | 3.859 | 3.268 |
16 | …… | 13.578 | 12.561 | 11.652 | 10.830 | 10.462 | 10.106 | 9.768 | 9.447 | 9.142 | 8.851 | 8.575 | 8.313 | 8.062 | 7.824 | 7.379 | 6.974 | 6.604 | 6.265 | 5.954 | 5.669 | 5.162 | 4.730 | 3.887 | 3.283 |
17 | …… | 14.292 | 13.166 | 12.166 | 11.274 | 10.865 | 10.477 | 10.111 | 9.763 | 9.434 | 9.122 | 8.825 | 8.544 | 8.276 | 8.022 | 7.549 | 7.120 | 6.729 | 6.373 | 6.047 | 5.749 | 5.222 | 4.775 | 3.910 | 3.295 |
18 | …… | 14.992 | 13.753 | 12.659 | 11.690 | 11.246 | 10.828 | 10.432 | 10.059 | 9.706 | 9.372 | 9.055 | 8.756 | 8.471 | 8.201 | 7.702 | 7.250 | 6.840 | 6.467 | 6.128 | 5.818 | 5.273 | 4.812 | 3.928 | 3.304 |
19 | …… | 15.678 | 14.324 | 13.134 | 12.085 | 11.608 | 11.158 | 10.735 | 10.336 | 9.959 | 9.604 | 9.268 | 8.950 | 8.650 | 8.365 | 7.839 | 7.366 | 6.938 | 6.550 | 6.198 | 5.877 | 5.316 | 4.844 | 3.942 | 3.311 |
20 | …… | 16.351 | 14.877 | 13.590 | 12.462 | 11.950 | 11.470 | 11.019 | 10.594 | 10.194 | 9.818 | 9.463 | 9.129 | 8.812 | 8.514 | 7.963 | 7.469 | 7.025 | 6.623 | 6.259 | 5.929 | 5.353 | 4.870 | 3.954 | 3.316 |
21 | …… | 17.011 | 15.415 | 14.029 | 12.821 | 12.275 | 11.764 | 11.285 | 10.836 | 10.413 | 10.017 | 9.644 | 9.292 | 8.961 | 8.649 | 8.075 | 7.562 | 7.102 | 6.687 | 6.312 | 5.973 | 5.384 | 4.891 | 3.963 | 3.320 |
22 | …… | 17.658 | 15.937 | 14.451 | 13.163 | 12.583 | 12.042 | 11.535 | 11.061 | 10.617 | 10.201 | 9.810 | 9.442 | 9.097 | 8.772 | 8.176 | 7.645 | 7.170 | 6.743 | 6.359 | 6.011 | 5.410 | 4.909 | 3.970 | 3.323 |
23 | …… | 18.292 | 16.444 | 14.857 | 13.489 | 12.575 | 12.303 | 11.770 | 11.272 | 10.807 | 10.371 | 9.963 | 9.580 | 9.221 | 8.883 | 8.266 | 7.718 | 7.230 | 6.792 | 6.399 | 6.044 | 5.432 | 4.925 | 3.976 | 3.325 |
24 | …… | 18.914 | 16.936 | 15.247 | 13.799 | 13.152 | 12.550 | 11.991 | 11.469 | 10.983 | 10.529 | 10.104 | 9.707 | 9.334 | 8.985 | 8.348 | 7.784 | 7.283 | 6.835 | 6.434 | 6.073 | 5.451 | 4.937 | 3.981 | 3.327 |
25 | …… | 19.523 | 17.413 | 15.622 | 14.094 | 13.414 | 12.783 | 12.198 | 11.654 | 11.147 | 10.675 | 10.234 | 9.823 | 9.438 | 9.077 | 8.422 | 7.843 | 7.330 | 6.873 | 6.464 | 6.097 | 5.467 | 4.948 | 3.985 | 3.329 |
26 | …… | 20.122 | 17.877 | 15.983 | 14.375 | 13.662 | 13.003 | 12.392 | 11.826 | 11.299 | 10.810 | 10.354 | 9.929 | 9.532 | 9.161 | 8.488 | 7.896 | 7.372 | 6.906 | 6.491 | 6.118 | 5.480 | 4.956 | 3.988 | 3.330 |
27 | …… | 20.707 | 18.327 | 16.330 | 14.643 | 13.898 | 13.211 | 12.575 | 11.987 | 11.441 | 10.935 | 10.465 | 10.027 | 9.618 | 9.237 | 8.548 | 7.943 | 7.409 | 6.935 | 6.514 | 6.136 | 5.492 | 4.964 | 3.990 | 3.331 |
28 | …… | 21.281 | 18.764 | 16.663 | 14.898 | 14.121 | 13.406 | 12.746 | 12.137 | 11.573 | 11.051 | 10.566 | 10.116 | 9.697 | 9.307 | 8.602 | 7.984 | 7.441 | 6.961 | 6.534 | 6.152 | 5.502 | 4.970 | 3.992 | 3.331 |
29 | …… | 21.844 | 19.188 | 16.984 | 15.141 | 14.333 | 13.591 | 12.907 | 12.278 | 11.696 | 11.158 | 10.660 | 10.198 | 9.769 | 9.370 | 8.650 | 8.022 | 7.470 | 6.983 | 6.551 | 6.166 | 5.510 | 4.975 | 3.994 | 3.332 |
30 | …… | 22.396 | 19.600 | 17.292 | 15.372 | 14.534 | 13.765 | 13.059 | 12.409 | 11.810 | 11.258 | 10.747 | 10.274 | 9.835 | 9.427 | 8.694 | 8.055 | 7.496 | 7.003 | 6.566 | 6.177 | 5.517 | 4.979 | 3.995 | 3.332 |
40 | …… | 27.355 | 23.115 | 19.793 | 17.159 | 16.046 | 15.046 | 14.146 | 13.332 | 12.594 | 11.925 | 11.315 | 10.757 | 10.247 | 9.779 | 8.951 | 8.244 | 7.634 | 7.105 | 6.642 | 6.234 | 5.548 | 4.997 | 3.999 | 3.333 |
50 | …… | 31.424 | 25.730 | 21.482 | 18.256 | 16.932 | 15.762 | 14.725 | 13.801 | 12.975 | 12.234 | 11.566 | 10.962 | 10.414 | 9.915 | 9.042 | 8.304 | 7.675 | 7.133 | 6.661 | 6.246 | 5.554 | 4.999 | 4.000 | 3.333 |
APPENDIX D
PRESENT VALUE OF 1 | PRESENT VALUE OF 1 | ||||||||||||
YEAR | 0.1% | 0.2% | 0.3% | 0.4% | 0.5% | 0.6% | YEAR | 0.7% | 0.8% | 0.9% | 1.0% | 1.1% | 1.2% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .999 | .998 | .997 | .996 | .995 | .994 | 1 | .993 | .992 | .991 | .990 | .989 | .988 |
2 | .998 | .996 | .994 | .992 | .990 | .988 | 2 | .986 | .984 | .982 | .980 | .978 | .976 |
3 | .997 | .994 | .991 | .988 | .985 | .982 | 3 | .979 | .976 | .973 | .971 | .968 | .965 |
4 | .996 | .992 | .988 | .984 | .980 | .976 | 4 | .972 | .969 | .965 | .961 | .957 | .953 |
5 | .995 | .990 | .985 | .980 | .975 | .971 | 5 | .966 | .961 | .956 | .951 | .947 | .942 |
6 | .994 | .988 | .982 | .976 | .971 | .965 | 6 | .959 | .953 | .948 | .942 | .936 | .931 |
7 | .993 | .986 | .979 | .972 | .966 | .959 | 7 | .952 | .946 | .939 | .933 | .926 | .920 |
8 | .992 | .984 | .976 | .969 | .961 | .953 | 8 | .946 | .938 | .931 | .923 | .916 | .909 |
9 | .991 | .982 | .973 | .965 | .956 | .948 | 9 | .939 | .931 | .923 | .914 | .906 | .898 |
10 | .990 | .980 | .970 | .961 | .951 | .942 | 10 | .933 | .923 | .914 | .905 | .896 | .888 |
11 | .989 | .978 | .968 | .957 | .947 | .936 | 11 | .926 | .916 | .906 | .896 | .887 | .877 |
12 | .988 | .976 | .965 | .953 | .942 | .931 | 12 | .920 | .909 | .898 | .887 | .877 | .867 |
13 | .987 | .974 | .962 | .949 | .937 | .925 | 13 | .913 | .902 | .890 | .879 | .867 | .856 |
14 | .986 | .972 | .959 | .946 | .933 | .920 | 14 | .907 | .894 | .882 | .870 | .858 | .846 |
15 | .985 | .970 | .956 | .942 | .928 | .914 | 15 | .901 | .887 | .874 | .861 | .849 | .836 |
16 | .984 | .969 | .953 | .938 | .923 | .909 | 16 | .894 | .880 | .866 | .853 | .839 | .826 |
17 | .983 | .967 | .950 | .934 | .919 | .903 | 17 | .888 | .873 | .859 | .844 | .830 | .816 |
18 | .982 | .965 | .948 | .931 | .914 | .898 | 18 | .882 | .866 | .851 | .836 | .821 | .807 |
19 | .981 | .963 | .945 | .927 | .910 | .893 | 19 | .876 | .860 | .843 | .828 | .812 | .797 |
20 | .980 | .961 | .942 | .923 | .905 | .887 | 20 | .870 | .853 | .836 | .820 | .803 | .788 |
21 | .979 | .959 | .939 | .920 | .901 | .882 | 21 | .864 | .846 | .828 | .811 | .795 | .778 |
22 | .978 | .957 | .936 | .916 | .896 | .877 | 22 | .858 | .839 | .821 | .803 | .786 | .769 |
23 | .977 | .955 | .933 | .912 | .892 | .871 | 23 | .852 | .833 | .814 | .795 | .778 | .760 |
24 | .976 | .953 | .931 | .909 | .887 | .866 | 24 | .846 | .826 | .807 | .788 | .769 | .751 |
25 | .975 | .951 | .928 | .905 | .883 | .861 | 25 | .840 | .819 | .799 | .780 | .761 | .742 |
26 | .974 | .949 | .925 | .901 | .878 | .856 | 26 | .834 | .813 | .792 | .772 | .752 | .733 |
27 | .973 | .947 | .922 | .898 | .874 | .851 | 27 | .828 | .806 | .785 | .764 | .744 | .725 |
28 | .972 | .946 | .920 | .894 | .870 | .846 | 28 | .823 | .800 | .778 | .757 | .736 | .716 |
29 | .971 | .944 | .917 | .891 | .865 | .841 | 29 | .817 | .794 | .771 | .749 | .728 | .708 |
30 | .970 | .942 | .914 | .887 | .861 | .836 | 30 | .811 | .787 | .764 | .742 | .720 | .699 |
YEAR | 1.3% | 1.4% | 1.5% | 1.6% | 1.7% | 1.8% | YEAR | 1.9% | 2.0% | 2.1% | 2.2% | 2.3% | 2.4% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .987 | .986 | .985 | .984 | .983 | .982 | 1 | .981 | .980 | .979 | .978 | .978 | .977 |
2 | .974 | .973 | .971 | .969 | .967 | .965 | 2 | .963 | .961 | .959 | .957 | .956 | .954 |
3 | .962 | .959 | .956 | .953 | .951 | .948 | 3 | .945 | .942 | .940 | .937 | .934 | .931 |
4 | .950 | .946 | .942 | .938 | .935 | .931 | 4 | .927 | .924 | .920 | .917 | .913 | .909 |
5 | .937 | .933 | .928 | .924 | .919 | .915 | 5 | .910 | .906 | .901 | .897 | .893 | .888 |
6 | .925 | .920 | .915 | .909 | .904 | .898 | 6 | .893 | .888 | .883 | .878 | .872 | .867 |
7 | .914 | .907 | .901 | .895 | .889 | .883 | 7 | .877 | .871 | .865 | .859 | .853 | .847 |
8 | .902 | .895 | .888 | .881 | .874 | .867 | 8 | .860 | .853 | .847 | .840 | .834 | .827 |
9 | .890 | .882 | .875 | .867 | .859 | .852 | 9 | .844 | .837 | .829 | .822 | .815 | .808 |
10 | .879 | .870 | .862 | .853 | .845 | .837 | 10 | .828 | .820 | .812 | .804 | .797 | .789 |
11 | .868 | .858 | .849 | .840 | .831 | .822 | 11 | .813 | .804 | .796 | .787 | .779 | .770 |
12 | .856 | .846 | .836 | .827 | .817 | .807 | 12 | .798 | .788 | .779 | .770 | .761 | .752 |
13 | .845 | .835 | .824 | .814 | .803 | .793 | 13 | .783 | .773 | .763 | .754 | .744 | .735 |
14 | .835 | .823 | .812 | .801 | .790 | .779 | 14 | .768 | .758 | .748 | .737 | .727 | .717 |
15 | .824 | .812 | .800 | .788 | .777 | .765 | 15 | .754 | .743 | .732 | .722 | .711 | .701 |
16 | .813 | .801 | .788 | .776 | .764 | .752 | 16 | .740 | .728 | .717 | .706 | .695 | .684 |
17 | .803 | .790 | .776 | .763 | .751 | .738 | 17 | .726 | .714 | .702 | .691 | .679 | .668 |
18 | .793 | .779 | .765 | .751 | .738 | .725 | 18 | .713 | .700 | .688 | .676 | .664 | .653 |
19 | .782 | .768 | .754 | .740 | .726 | .713 | 19 | .699 | .686 | .674 | .661 | .649 | .637 |
20 | .772 | .757 | .742 | .728 | .714 | .700 | 20 | .686 | .673 | .660 | .647 | .635 | .622 |
21 | .762 | .747 | .731 | .717 | .702 | .688 | 21 | .674 | .660 | .646 | .633 | .620 | .608 |
22 | .753 | .736 | .721 | .705 | .690 | .675 | 22 | .661 | .647 | .633 | .620 | .606 | .593 |
23 | .743 | .726 | .710 | .694 | .679 | .663 | 23 | .649 | .634 | .620 | .606 | .593 | .580 |
24 | .733 | .716 | .700 | .683 | .667 | .652 | 24 | .637 | .622 | .607 | .593 | .579 | .566 |
25 | .724 | .706 | .689 | .672 | .656 | .640 | 25 | .625 | .610 | .595 | .580 | .566 | .553 |
26 | .715 | .697 | .679 | .662 | .645 | .629 | 26 | .613 | .598 | .583 | .568 | .554 | .540 |
27 | .706 | .687 | .669 | .651 | .634 | .618 | 27 | .602 | .586 | .571 | .556 | .541 | .527 |
28 | .697 | .678 | .659 | .641 | .624 | .607 | 28 | .590 | .574 | .559 | .544 | .529 | .515 |
29 | .688 | .668 | .649 | .631 | .613 | .596 | 29 | .579 | .563 | .547 | .532 | .517 | .503 |
30 | .679 | .659 | .640 | .621 | .603 | .586 | 30 | .569 | .552 | .536 | .521 | .506 | .491 |
YEAR | 2.5% | 2.6% | 2.7% | 2.8% | 2.9% | 3.0% | YEAR | 3.1% | 3.2% | 3.3% | 3.4% | 3.5% | 3.6% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .976 | .975 | .974 | .973 | .972 | .971 | 1 | .970 | .969 | .968 | .967 | .966 | .965 |
2 | .952 | .950 | .948 | .946 | .944 | .943 | 2 | .941 | .939 | .937 | .935 | .934 | .932 |
3 | .929 | .926 | .923 | .920 | .918 | .915 | 3 | .912 | .910 | .907 | .905 | .902 | .899 |
4 | .906 | .902 | .899 | .895 | .892 | .888 | 4 | .885 | .882 | .878 | .875 | .871 | .868 |
5 | .884 | .880 | .875 | .871 | .867 | .863 | 5 | .858 | .854 | .850 | .846 | .842 | .838 |
6 | .862 | .857 | .852 | .847 | .842 | .837 | 6 | .833 | .828 | .823 | .818 | .814 | .809 |
7 | .841 | .836 | .830 | .824 | .819 | .813 | 7 | .808 | .802 | .797 | .791 | .786 | .781 |
8 | .821 | .814 | .808 | .802 | .796 | .789 | 8 | .783 | .777 | .771 | .765 | .759 | .754 |
9 | .801 | .794 | .787 | .780 | .773 | .766 | 9 | .760 | .753 | .747 | .740 | .734 | .727 |
10 | .781 | .774 | .766 | .759 | .751 | .744 | 10 | .737 | .730 | .723 | .716 | .709 | .702 |
11 | .762 | .754 | .746 | .738 | .730 | .722 | 11 | .715 | .707 | .700 | .692 | .685 | .678 |
12 | .744 | .735 | .726 | .718 | .710 | .701 | 12 | .693 | .685 | .677 | .670 | .662 | .654 |
13 | .725 | .716 | .707 | .698 | .690 | .681 | 13 | .672 | .664 | .656 | .647 | .639 | .631 |
14 | .708 | .698 | .689 | .679 | .670 | .661 | 14 | .652 | .643 | .635 | .626 | .618 | .609 |
15 | .690 | .680 | .671 | .661 | .651 | .642 | 15 | .633 | .623 | .614 | .606 | .597 | .588 |
16 | .674 | .663 | .653 | .643 | .633 | .623 | 16 | .614 | .604 | .595 | .586 | .577 | .568 |
17 | .657 | .646 | .636 | .625 | .615 | .605 | 17 | .595 | .585 | .576 | .566 | .557 | .548 |
18 | .641 | .630 | .619 | .608 | .598 | .587 | 18 | .577 | .567 | .557 | .548 | .538 | .529 |
19 | .626 | .614 | .603 | .592 | .581 | .570 | 19 | .560 | .550 | .540 | .530 | .520 | .511 |
20 | .610 | .598 | .587 | .576 | .565 | .554 | 20 | .543 | .533 | .522 | .512 | .503 | .493 |
21 | .595 | .583 | .572 | .560 | .549 | .538 | 21 | .527 | .516 | .506 | .496 | .486 | .476 |
22 | .581 | .569 | .556 | .545 | .533 | .522 | 22 | .511 | .500 | .490 | .479 | .469 | .459 |
23 | .567 | .554 | .542 | .530 | .518 | .507 | 23 | .496 | .485 | .474 | .463 | .453 | .443 |
24 | .553 | .540 | .528 | .515 | .504 | .492 | 24 | .481 | .470 | .459 | .448 | .438 | .428 |
25 | .539 | .526 | .514 | .501 | .489 | .478 | 25 | .466 | .455 | .444 | .433 | .423 | .413 |
26 | .526 | .513 | .500 | .488 | .476 | .464 | 26 | .452 | .441 | .430 | .419 | .409 | .399 |
27 | .513 | .500 | .487 | .474 | .462 | .450 | 27 | .439 | .427 | .416 | .405 | .395 | .385 |
28 | .501 | .487 | .474 | .462 | .449 | .437 | 28 | .425 | .414 | .403 | .392 | .382 | .371 |
29 | .489 | .475 | .462 | .449 | .436 | .424 | 29 | .413 | .401 | .390 | .379 | .369 | .359 |
30 | .477 | .463 | .450 | .437 | .424 | .412 | 30 | .400 | .389 | .378 | .367 | .356 | .346 |
YEAR | 3.7% | 3.8% | 3.9% | 4.0% | 4.1% | 4.2% | YEAR | 4.3% | 4.4% | 4.5% | 4.6% | 4.7% | 4.8% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .964 | .963 | .962 | .962 | .961 | .960 | 1 | .959 | .958 | .957 | .956 | .955 | .954 |
2 | .930 | .928 | .926 | .925 | .923 | .921 | 2 | .919 | .917 | .916 | .914 | .912 | .910 |
3 | .897 | .894 | .892 | .889 | .886 | .884 | 3 | .881 | .879 | .876 | .874 | .871 | .869 |
4 | .865 | .861 | .858 | .855 | .852 | .848 | 4 | .845 | .842 | .839 | .835 | .832 | .829 |
5 | .834 | .830 | .826 | .822 | .818 | .814 | 5 | .810 | .806 | .802 | .799 | .795 | .791 |
6 | .804 | .799 | .795 | .790 | .786 | .781 | 6 | .777 | .772 | .768 | .764 | .759 | .755 |
7 | .775 | .770 | .765 | .760 | .755 | .750 | 7 | .745 | .740 | .735 | .730 | .725 | .720 |
8 | .748 | .742 | .736 | .731 | .725 | .720 | 8 | .714 | .709 | .703 | .698 | .693 | .687 |
9 | .721 | .715 | .709 | .703 | .697 | .691 | 9 | .685 | .679 | .673 | .667 | .661 | .656 |
10 | .695 | .689 | .682 | .676 | .669 | .663 | 10 | .656 | .650 | .644 | .638 | .632 | .626 |
11 | .671 | .663 | .656 | .650 | .643 | .636 | 11 | .629 | .623 | .616 | .610 | .603 | .597 |
12 | .647 | .639 | .632 | .625 | .617 | .610 | 12 | .603 | .596 | .590 | .583 | .576 | .570 |
13 | .624 | .616 | .608 | .601 | .593 | .586 | 13 | .579 | .571 | .564 | .557 | .550 | .544 |
14 | .601 | .593 | .585 | .577 | .570 | .562 | 14 | .555 | .547 | .540 | .533 | .526 | .519 |
15 | .580 | .572 | .563 | .555 | .547 | .539 | 15 | .532 | .524 | .517 | .509 | .502 | .495 |
16 | .559 | .551 | .542 | .534 | .526 | .518 | 16 | .510 | .502 | .494 | .487 | .480 | .472 |
17 | .539 | .530 | .522 | .513 | .505 | .497 | 17 | .489 | .481 | .473 | .466 | .458 | .451 |
18 | .520 | .511 | .502 | .494 | .485 | .477 | 18 | .469 | .461 | .453 | .445 | .437 | .430 |
19 | .501 | .492 | .483 | .475 | .466 | .458 | 19 | .449 | .441 | .433 | .425 | .418 | .410 |
20 | .484 | .474 | .465 | .456 | .448 | .439 | 20 | .431 | .423 | .415 | .407 | .399 | .392 |
21 | .466 | .457 | .448 | .439 | .430 | .421 | 21 | .413 | .405 | .397 | .389 | .381 | .374 |
22 | .450 | .440 | .431 | .422 | .413 | .404 | 22 | .396 | .388 | .380 | .372 | .364 | .356 |
23 | .434 | .424 | .415 | .406 | .397 | .388 | 23 | .380 | .371 | .363 | .355 | .348 | .340 |
24 | .418 | .409 | .399 | .390 | .381 | .373 | 24 | .364 | .356 | .348 | .340 | .332 | .325 |
25 | .403 | .394 | .384 | .375 | .366 | .358 | 25 | .349 | .341 | .333 | .325 | .317 | .310 |
26 | .389 | .379 | .370 | .361 | .352 | .343 | 26 | .335 | .326 | .318 | .311 | .303 | .296 |
27 | .375 | .365 | .356 | .347 | .338 | .329 | 27 | .321 | .313 | .305 | .297 | .289 | .282 |
28 | .362 | .352 | .343 | .333 | .325 | .316 | 28 | .308 | .299 | .292 | .284 | .276 | .269 |
29 | .349 | .339 | .330 | .321 | .312 | .303 | 29 | .295 | .287 | .279 | .271 | .264 | .257 |
30 | .336 | .327 | .317 | .308 | .300 | .291 | 30 | .283 | .275 | .267 | .259 | .252 | .245 |
YEAR | 4.9% | 5.0% | 5.1% | 5.2% | 5.3% | 5.4% | YEAR | 5.5% | 5.6% | 5.7% | 5.8% | 5.9% | 6.0% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .953 | .952 | .951 | .951 | .950 | .949 | 1 | .948 | .947 | .946 | .945 | .944 | .943 |
2 | .909 | .907 | .905 | .904 | .902 | .900 | 2 | .898 | .897 | .895 | .893 | .892 | .890 |
3 | .866 | .864 | .861 | .859 | .856 | .854 | 3 | .852 | .849 | .847 | .844 | .842 | .840 |
4 | .826 | .823 | .820 | .816 | .813 | .810 | 4 | .807 | .804 | .801 | .798 | .795 | .792 |
5 | .787 | .784 | .780 | .776 | .772 | .769 | 5 | .765 | .762 | .758 | .754 | .751 | .747 |
6 | .750 | .746 | .742 | .738 | .734 | .729 | 6 | .725 | .721 | .717 | .713 | .709 | .705 |
7 | .715 | .711 | .706 | .701 | .697 | .692 | 7 | .687 | .683 | .678 | .674 | .669 | .665 |
8 | .682 | .677 | .672 | .667 | .662 | .657 | 8 | .652 | .647 | .642 | .637 | .632 | .627 |
9 | .650 | .645 | .639 | .634 | .628 | .623 | 9 | .618 | .612 | .607 | .602 | .597 | .592 |
10 | .620 | .614 | .608 | .602 | .597 | .591 | 10 | .585 | .580 | .574 | .569 | .564 | .558 |
11 | .591 | .585 | .579 | .573 | .567 | .561 | 11 | .555 | .549 | .543 | .538 | .532 | .527 |
12 | .563 | .557 | .551 | .544 | .538 | .532 | 12 | .526 | .520 | .514 | .508 | .503 | .497 |
13 | .537 | .530 | .524 | .517 | .511 | .505 | 13 | .499 | .492 | .486 | .480 | .475 | .469 |
14 | .512 | .505 | .498 | .492 | .485 | .479 | 14 | .473 | .466 | .460 | .454 | .448 | .442 |
15 | .488 | .481 | .474 | .467 | .461 | .454 | 15 | .448 | .442 | .435 | .429 | .423 | .417 |
16 | .465 | .458 | .451 | .444 | .438 | .431 | 16 | .425 | .418 | .412 | .406 | .400 | .394 |
17 | .443 | .436 | .429 | .422 | .416 | .409 | 17 | .402 | .396 | .390 | .383 | .377 | .371 |
18 | .423 | .416 | .408 | .402 | .395 | .388 | 18 | .381 | .375 | .369 | .362 | .356 | .350 |
19 | .403 | .396 | .389 | .382 | .375 | .368 | 19 | .362 | .355 | .349 | .343 | .336 | .331 |
20 | .384 | .377 | .370 | .363 | .356 | .349 | 20 | .343 | .336 | .330 | .324 | .318 | .312 |
21 | .366 | .359 | .352 | .345 | .338 | .331 | 21 | .325 | .318 | .312 | .306 | .300 | .294 |
22 | .349 | .342 | .335 | .328 | .321 | .314 | 22 | .308 | .302 | .295 | .289 | .283 | .278 |
23 | .333 | .326 | .319 | .312 | .305 | .298 | 23 | .292 | .286 | .279 | .273 | .268 | .262 |
24 | .317 | .310 | .303 | .296 | .290 | .283 | 24 | .277 | .270 | .264 | .258 | .253 | .247 |
25 | .302 | .295 | .288 | .282 | .275 | .260 | 25 | .262 | .256 | .250 | .244 | .239 | .233 |
26 | .288 | .281 | .274 | .268 | .261 | .255 | 26 | .249 | .243 | .237 | .231 | .225 | .220 |
27 | .275 | .268 | .261 | .254 | .248 | .242 | 27 | .236 | .230 | .224 | .218 | .213 | .207 |
28 | .262 | .255 | .248 | .242 | .236 | .229 | 28 | .223 | .217 | .212 | .206 | .201 | .196 |
29 | .250 | .243 | .236 | .230 | .224 | .218 | 29 | .212 | .206 | .200 | .195 | .190 | .185 |
30 | .238 | .231 | .225 | .219 | .212 | .206 | 30 | .201 | .195 | .190 | .184 | .179 | .174 |
YEAR | 7% | 8% | 9% | 10% | 11% | 12% | YEAR | 13% | 14% | 15% | 16% | 17% | 18% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .935 | .926 | .917 | .909 | .901 | .893 | 1 | .885 | .877 | .870 | .862 | .855 | .847 |
2 | .873 | .857 | .842 | .826 | .812 | .797 | 2 | .783 | .769 | .756 | .743 | .731 | .718 |
3 | .816 | .794 | .772 | .751 | .731 | .712 | 3 | .693 | .675 | .658 | .641 | .624 | .609 |
4 | .763 | .735 | .708 | .683 | .659 | .636 | 4 | .613 | .592 | .572 | .552 | .534 | .516 |
5 | .713 | .681 | .650 | .621 | .593 | .567 | 5 | .543 | .519 | .497 | .476 | .456 | .437 |
6 | .666 | .630 | .596 | .564 | .535 | .507 | 6 | .480 | .456 | .432 | .410 | .390 | .370 |
7 | .623 | .583 | .547 | .513 | .482 | .452 | 7 | .425 | .400 | .376 | .354 | .333 | .314 |
8 | .582 | .540 | .502 | .467 | .434 | .404 | 8 | .376 | .351 | .327 | .305 | .285 | .266 |
9 | .544 | .500 | .460 | .424 | .391 | .361 | 9 | .333 | .308 | .284 | .263 | .243 | .225 |
10 | .508 | .463 | .422 | .386 | .352 | .322 | 10 | .295 | .270 | .247 | .227 | .208 | .191 |
11 | .475 | .429 | .388 | .350 | .317 | .287 | 11 | .261 | .237 | .215 | .195 | .178 | .162 |
12 | .444 | .397 | .356 | .319 | .286 | .257 | 12 | .231 | .208 | .187 | .168 | .152 | .137 |
13 | .415 | .368 | .326 | .290 | .258 | .229 | 13 | .204 | .182 | .163 | .145 | .130 | .116 |
14 | .388 | .340 | .299 | .263 | .232 | .205 | 14 | .181 | .160 | .141 | .125 | .111 | .099 |
15 | .362 | .315 | .275 | .239 | .209 | .183 | 15 | .160 | .140 | .123 | .108 | .095 | .084 |
16 | .339 | .292 | .252 | .218 | .188 | .163 | 16 | .141 | .123 | .107 | .093 | .081 | .071 |
17 | .317 | .270 | .231 | .198 | .170 | .146 | 17 | .125 | .108 | .093 | .080 | .069 | .060 |
18 | .296 | .250 | .212 | .180 | .153 | .130 | 18 | .111 | .095 | .081 | .069 | .059 | .051 |
19 | .277 | .232 | .194 | .164 | .138 | .116 | 19 | .098 | .083 | .070 | .060 | .051 | .043 |
20 | .258 | .215 | .178 | .149 | .124 | .104 | 20 | .087 | .073 | .061 | .051 | .043 | .037 |
21 | .242 | .199 | .164 | .135 | .112 | .093 | 21 | .077 | .064 | .053 | .044 | .037 | .031 |
22 | .226 | .184 | .150 | .123 | .101 | .083 | 22 | .068 | .056 | .046 | .038 | .032 | .026 |
23 | .211 | .170 | .138 | .112 | .091 | .074 | 23 | .060 | .049 | 0.40 | .036 | .027 | .022 |
24 | .197 | .158 | .126 | .102 | .082 | .066 | 24 | .053 | .043 | .035 | .028 | .023 | .019 |
25 | .184 | .146 | .116 | .092 | .074 | .059 | 25 | .047 | .038 | .030 | .024 | .020 | .016 |
26 | .172 | .135 | .106 | .084 | .066 | .053 | 26 | .042 | .033 | .026 | .021 | .017 | .014 |
27 | .161 | .125 | .098 | .076 | .060 | .047 | 27 | .037 | .029 | .023 | .018 | .014 | .011 |
28 | .150 | .116 | .090 | .069 | .054 | .042 | 28 | .033 | .026 | .020 | .016 | .012 | .010 |
29 | .141 | .107 | .082 | .063 | .048 | .037 | 29 | .029 | .022 | .017 | .014 | .011 | .008 |
30 | .131 | .099 | .075 | .057 | .044 | .033 | 30 | .026 | .020 | .015 | .012 | .009 | .007 |
YEAR | 19% | 20% | 21% | 22% | 23% | 24% | YEAR | 25% | 26% | 27% | 28% | 29% | 30% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .840 | .833 | .826 | .820 | .813 | .806 | 1 | .800 | .794 | .787 | .781 | .775 | .769 |
2 | .706 | .694 | .683 | .672 | .661 | .650 | 2 | .640 | .630 | .620 | .610 | .601 | .592 |
3 | .593 | .579 | .564 | .551 | .537 | .524 | 3 | .512 | .500 | .488 | .477 | .466 | .455 |
4 | .499 | .482 | .467 | .451 | .437 | .423 | 4 | .410 | .397 | .384 | .373 | .361 | .350 |
5 | .419 | .402 | .386 | .370 | .355 | .341 | 5 | .328 | .315 | .303 | .291 | .280 | .269 |
6 | .352 | .335 | .319 | .303 | .289 | .275 | 6 | .262 | .250 | .238 | .227 | .217 | .207 |
7 | .296 | .279 | .263 | .249 | .235 | .222 | 7 | .210 | .198 | .188 | .178 | .168 | .159 |
8 | .249 | .233 | .218 | .204 | .191 | .179 | 8 | .168 | .157 | .148 | .139 | .130 | .123 |
9 | .209 | .194 | .180 | .167 | .155 | .144 | 9 | .134 | .125 | .116 | .108 | .101 | .094 |
10 | .176 | .162 | .149 | .137 | .126 | .116 | 10 | .107 | .099 | .092 | .085 | .078 | .073 |
11 | .143 | .135 | .123 | .112 | .103 | .094 | 11 | .086 | .079 | .072 | .066 | .061 | .056 |
12 | .124 | .112 | .102 | .092 | .083 | .076 | 12 | .069 | .062 | .057 | .052 | .047 | .043 |
13 | .104 | .093 | .084 | .075 | .068 | .061 | 13 | .055 | .050 | .045 | .040 | .037 | .033 |
14 | .088 | .078 | .069 | .062 | .055 | .049 | 14 | .044 | .039 | .035 | .032 | .028 | .025 |
15 | .074 | .065 | .057 | .051 | .045 | .040 | 15 | .035 | .031 | .028 | .025 | .022 | .020 |
16 | .062 | .054 | .047 | .042 | .036 | .032 | 16 | .028 | .025 | .022 | .019 | .017 | .015 |
17 | .052 | .045 | .039 | .034 | .030 | .026 | 17 | .023 | .020 | .017 | .015 | .013 | .012 |
18 | .044 | .038 | .032 | .028 | .024 | .021 | 18 | .018 | .016 | .014 | .012 | .010 | .009 |
19 | .037 | .031 | .027 | .023 | .020 | .017 | 19 | .014 | .012 | .011 | .009 | .008 | .007 |
20 | .031 | .028 | .022 | .019 | .016 | .014 | 20 | .012 | .010 | .008 | .007 | .006 | .005 |
21 | .026 | .022 | .018 | .015 | .013 | .011 | 21 | .009 | .008 | .007 | .006 | .005 | .004 |
22 | .022 | .018 | .015 | .013 | .011 | .009 | 22 | .007 | .006 | .005 | .004 | .004 | .003 |
23 | .018 | .015 | .012 | .010 | .009 | .007 | 23 | .006 | .005 | .004 | .003 | .003 | .002 |
24 | .015 | .013 | .010 | .008 | .007 | .006 | 24 | .005 | .004 | .003 | .003 | .002 | .002 |
25 | .013 | .010 | .009 | .007 | .006 | .005 | 25 | .004 | .003 | .003 | .002 | .002 | .001 |
26 | .011 | .009 | .007 | .006 | .005 | .004 | 26 | .003 | .002 | .002 | .002 | .001 | .001 |
27 | .009 | .007 | .006 | .005 | .004 | .003 | 27 | .002 | .002 | .002 | .001 | .001 | .001 |
28 | .008 | .006 | .005 | .004 | .003 | .002 | 28 | .002 | .002 | .001 | .001 | .001 | .001 |
29 | .006 | .005 | .004 | .003 | .002 | .002 | 29 | .002 | .001 | .001 | .001 | .001 | |
30 | .005 | .004 | .003 | .003 | .002 | .002 | 30 | .001 | .001 | .001 | .001 | ||
YEAR | 31% | 32% | 33% | 34% | 35% | 36% | YEAR | 37% | 38% | 39% | 40% | 41% | 42% |
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
1 | .763 | .758 | .752 | .746 | .741 | .735 | 1 | .730 | .725 | .719 | .714 | .709 | .704 |
2 | .583 | .574 | .565 | .557 | .549 | .541 | 2 | .533 | .525 | .518 | .510 | .503 | .496 |
3 | .445 | .435 | .425 | .416 | .406 | .398 | 3 | .389 | .381 | .372 | .364 | .357 | .349 |
4 | .340 | .329 | .320 | .310 | .301 | .292 | 4 | .284 | .276 | .268 | .260 | .253 | .246 |
5 | .259 | .250 | .240 | .231 | .223 | .215 | 5 | .207 | .200 | .193 | .186 | .179 | .173 |
6 | .198 | .189 | .181 | .173 | .165 | .158 | 6 | .151 | .145 | .139 | .133 | .127 | .122 |
7 | .151 | .143 | .136 | .129 | .122 | .116 | 7 | .110 | .105 | .100 | .095 | .090 | .086 |
8 | .115 | .108 | .102 | .096 | .091 | .085 | 8 | .081 | .076 | .072 | .068 | .064 | .060 |
9 | .088 | .082 | .077 | .072 | .067 | .063 | 9 | .059 | .055 | .052 | .048 | .045 | .043 |
10 | .067 | .062 | .058 | .054 | .050 | .046 | 10 | .043 | .040 | .037 | .035 | .032 | .030 |
11 | .051 | .047 | .043 | .040 | .037 | .034 | 11 | .031 | .029 | .027 | .025 | .023 | .021 |
12 | .039 | .036 | .033 | .030 | .027 | .025 | 12 | .023 | .021 | .019 | .018 | .016 | .015 |
13 | .030 | .027 | .025 | .022 | .020 | .018 | 13 | .017 | .015 | .014 | .013 | .011 | .010 |
14 | .023 | .021 | .018 | .017 | .015 | .014 | 14 | .012 | .011 | .010 | .009 | .008 | .007 |
15 | .017 | .016 | .014 | .012 | .011 | .010 | 15 | .009 | .008 | .007 | .006 | .006 | .005 |
16 | .013 | .012 | .010 | .009 | .008 | .007 | 16 | .006 | .006 | .005 | .005 | .004 | .004 |
17 | .010 | .009 | .008 | .007 | .006 | .005 | 17 | .005 | .004 | .004 | .003 | .003 | .003 |
18 | .008 | .007 | .006 | .005 | .005 | .004 | 18 | .003 | .003 | .003 | .002 | .002 | .002 |
19 | .006 | .005 | .004 | .004 | .003 | .003 | 19 | .003 | .002 | .002 | .002 | .001 | .001 |
20 | .005 | .004 | .003 | .003 | .002 | .002 | 20 | .002 | .002 | .001 | .001 | .001 | .001 |
21 | .003 | .003 | .003 | .002 | .002 | .002 | 21 | .001 | .001 | .001 | .001 | .001 | .001 |
22 | .003 | .002 | .002 | .002 | .001 | .001 | 22 | .001 | .001 | .001 | .001 | .001 | |
23 | .002 | .002 | .001 | .001 | .001 | .001 | 23 | .001 | .001 | .001 | |||
24 | .002 | .001 | .001 | .001 | .001 | .001 | 24 | .001 | |||||
25 | .001 | .001 | .001 | .001 | .001 | 25 | |||||||
26 | .001 | .001 | .001 | 26 | |||||||||
27 | .001 | .001 | 27 | ||||||||||
28 | .001 | 28 | |||||||||||
29 | 29 | ||||||||||||
30 | 30 | ||||||||||||
YEAR | 43% | 44% | 45% | 46% | 47% | 48% | YEAR | 49% | 50% | ||||
0 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 0 | 1.000 | 1.000 | ||||
1 | .699 | .694 | .690 | .685 | .680 | .676 | 1 | .671 | .667 | ||||
2 | .489 | .482 | .476 | .469 | .463 | .457 | 2 | .450 | .444 | ||||
3 | .342 | .335 | .328 | .321 | .315 | .308 | 3 | .302 | .296 | ||||
4 | .239 | .233 | .226 | .220 | .214 | .208 | 4 | .203 | .198 | ||||
5 | .167 | .162 | .156 | .151 | .146 | .141 | 5 | .136 | .132 | ||||
6 | .117 | .112 | .108 | .103 | .099 | .095 | 6 | .091 | .088 | ||||
7 | .082 | .078 | .074 | .071 | .067 | .064 | 7 | .061 | .059 | ||||
8 | .057 | .054 | .051 | .048 | .046 | .043 | 8 | .041 | .039 | ||||
9 | .040 | .038 | .035 | .033 | .031 | .029 | 9 | .028 | .026 | ||||
10 | .028 | .026 | .024 | .023 | .021 | .020 | 10 | .019 | .017 | ||||
11 | .020 | .018 | .017 | .016 | .014 | .013 | 11 | .012 | .012 | ||||
12 | .014 | .013 | .012 | .011 | .010 | .009 | 12 | .008 | .008 | ||||
13 | .010 | .009 | .008 | .007 | .007 | .006 | 13 | .006 | .005 | ||||
14 | .007 | .006 | .006 | .005 | .005 | .004 | 14 | .004 | .003 | ||||
15 | .005 | .004 | .004 | .003 | .003 | .003 | 15 | .003 | .002 | ||||
16 | .003 | .003 | .003 | .002 | .002 | .002 | 16 | .002 | .002 | ||||
17 | .002 | .002 | .002 | .002 | .001 | .001 | 17 | .001 | .001 | ||||
18 | .002 | .001 | .001 | .001 | .001 | .001 | 18 | .001 | .001 | ||||
19 | .001 | .001 | .001 | .001 | .001 | .001 | 19 | .001 | |||||
20 | .001 | .001 | .001 | .001 | 20 | ||||||||
21 | .001 | 21 | |||||||||||
22 | 22 | ||||||||||||
23 | 23 | ||||||||||||
24 | 24 | ||||||||||||
25 | 25 | ||||||||||||
26 | 26 | ||||||||||||
27 | 27 | ||||||||||||
28 | 28 | ||||||||||||
29 | 29 | ||||||||||||
30 | 30 |
BANGKO SA PAGPAPAUNLAD NO PILIPINAS | APPENDIX E |
Picture of Applicant | APPLICATION FOR AGRICULTURAL LOAN | PROJECT |
THE APPLICATION FEE OF | Paid Under O.R. No. | |
IS NON-REFUNDABLE | Date Accepted | |
Accepted By |
IMPORTANT: This application will be processed purely on its merits. Intervention by third parties who offer to have it approved is absoloutely unnecessary and may even prejudice the loan. In case of delay or any other complaints, please see the Manager of the Department, and if not satisfied, any member of the Board of Governors or the Chairman of this Bank.
TO THE DEVELOPMENT BANK OF THE PHILIPPINES | 19 |
1. I,/We, years old, citizen/s of residing in Municipality, of Province of and married to after having read carefully the CHECKLIST OF REQUIREMENTS ATTACHED, desire to obtain an agricultural loan in the sum of PESOS ( ) for the following purposes: (State in sufficient detail)
P | For |
P | For |
P | For |
P | For |
P | For |
P | For |
2. As security for the loan, I/We offer a first mortgage on the properties described as follows:
Certificate of Title Number | Lot Number | Area (Hectare) | Location | Encumbered With | Amount of Encumbrance | Local Market Value | Assessed Value | Tax Dec. |
3. Besides the above, I/We am/are also the registered owner/s of the following properties.
Kind | Area | Location | Assessed Value | Title or Tax Dec. No. | Encumbrance |
4. The following is/are my/our liability/ies as of even date:
Amount | Name of Creditor | Nature of Accommodation | Term | Securities | Balance | Status |
5. Do you live in the project/farm site?
How is the farm operated
□ By Administration | □ By Hired Laborer |
□ Tenanted | □ Owner Operated |
□ Leased | □ Others (Specify) |
DEVELOPMENT BANK OF THE PHILIPPINES
MAKATI RIZAL
6. (a) Indicate area of project site sq. m./hectare.
(b) Indicate the number of existing buildings & installations on the project site:
Farm House (s) | Hog House(s) |
Bodega | Poultry House(s) |
Machinery Shed | Water Tank & Tower |
Copra Drier | Dipping Vat |
Corral | Rice Mill |
Irrigation Pump | Length of Dikes |
(c) Indicate number of existing stock.
Cattle | Carabaos |
Boars | Horses |
Sows | Brollers |
Gilts | Layers |
Growers-Weanlings | Fish Stock |
Has. in Coconut | Total Number of Trees |
(d) Indicate number of laborers employed in the project:
Full Time Laborers
Casual Laborers
7. I/We agree to accept and acknowledge all notices and communications from DEVELOPMENT BANK OF THE PHILIPPINES when sent to the following address:
Name | ||
(P.O. Box No.) | (Tel. No.) |
(Number & Street) | (Barrio or District) | (Municipality or City) | (Province) |
In case of my/our change of address or if notices or communications sent to me/us are not accepted at the above address for any reason whatsoever. I/We hereby authorize the postmaster to receive for me/us such notices or communications, and I/We shall consider such delivery to him as acceptance by me/us for legal purpose or otherwise.
(Signature of Applicant) | (Signature of Applicant) |
Right Thumbmark | Right Thumbmark |
OATH
REPUBLIC OF THE PHILIPPINES)
MUNICIPALITY OF ) s.s.
PROVINCE OF )
SUBSCRIBED AND SWORN TO BEFORE ME, this day of , 19 affiant/s exhibiting to me his/their Residence Certificate/s No./s issued at on
Doc. No. | ||
Page No. | ||
Book No. | ||
Series of. | Notary Public My Commission expires on Dec. 31, 19 | |
Affix PO.30 Documentary Stamp Here |
APPENDIX E
CHECKLIST OF REQUIREMENTS FOR INLAND FISHERIES LOANS
A. | Requirements When Property to be Mortgaged is Covered by Torrens Title: | ||
1. | ( ) | Original/Transfer Certificate of Title. If the title is subject to Section 4, Rule 74 of the Rules of Court, submission of the following is required: | |
( ) A certified copy of the Deed of Extra-Judicial Partition | |||
2. | ( ) | Latest tax declaration issued on the property, duly certified by the Provincial Assessor or Provincial/Municipal Treasurer concerned. | |
3. | ( ) | Land tax issued on the property for the current year or in lieu thereof, a certificate from the Municipal Treasurer concerned that taxes on said property for the period have been fully paid. | |
4. | ( ) | Plan of the property offered as security certified to as correct by either a public or private land surveyor. (In case of urban land, the plan has to be approved by the Real Estate and Government Loans Department, DBP) with vicinity map. | |
5. | ( ) | Project Study | |
B. | Additional Requirements When Property to be Developed into Fishpond is Leased from the Government: | ||
1. | ( ) | A notarized copy of the Lease Contract or Agreement from the Fisheries Commission or the Bureau of Lands, in favor of the applicant, covering the public land to be developed. | |
2. | ( ) | Blueprint plan (3 copies) of the project site covered by the Lease Agreement, duly approved by the Director of Lands. | |
3. | ( ) | Tax declaration on taxable improvements. | |
4. | ( ) | Affidavit of the applicant to the effect that the particular area to be developed for fishpond is not covered by Torrens Title or other evidence of claims and the name of other persons. | |
5. | ( ) | Certificate of Clerk of Court to the effect that the particular area is not subject to pending land registration or cadastral proceedings. | |
6. | ( ) | Certificate of the Provincial Treasurer or Provincial Assessor to the effect that the particular area to be developed is not covered by any Tax Declaration in the name of other persons. | |
7. | ( ) | Certificate from the Commission of the Fisheries regarding the suitability of Project Site for Fishpond Purposes. | |
8 | ( ) | Development Plan, project study and a five-year prospectus. | |
C. | Other Requirements: | ||
1. | ( ) | For excavation and levelling amounting to 100,000.00 and above, it should be supported by a topographic map duly certified/signed by either: a) Geodetic Engineer/Surveyor; b) DBP Fishery Appraiser; and c) Fishery Technician. | |
2. | ( ) | Photograph of the applicant (Passport size - 2" × 2") with his signature affixed thereon (2 copies). | |
3. | ( ) | Copy of applicant's latest Income Tax Return or a Certificate of Exemption from the Bureau of Internal Revenue, if applicant is exempted from filing his Income Tax Return. (For application of 5,000.00 or more). | |
4. | ( ) | Copy of the latest BIR Tax Clearance Form No. 17.61 and BIR Letter of Confirmation Form No. 19.65 E-T issued in the name of the applicant. | |
5. | ( ) | Non-refundable application fee, as follows: |
AMOUNT APPLIED FOR | |
2,000 and below | 30.00 |
Over 2,000 but not exceeding 10,000 | 80.00 |
Over 10,000 but not exceeding 20,000 | 100.00 |
Over 20,000 but not exceeding 30,000 | 150.00 |
Over 30,000 but not exceeding 40,000 | 250.00 |
Over 40,000 but not exceeding 50,000 | 350.00 |
Over 50,000 but not exceeding 100,000 | 500.00 |
Over 100,000 but not exceeding 500,000 | 1,000.00 |
Over 500,000 but not exceeding 1,000,000 | 2,500.00 |
Over 1,000,000 | 5,000.00 plus 1,000.00 for every 1 million |
D. | Other Requirements When Applicant is a Naturalized Filipino Citizen: | ||
1. | ( ) | Certified true copy of the Court's decision granting him/her Filipino Citizenship. | |
2. | ( ) | Oath of Allegiance as a Filipino Citizen. | |
3. | ( ) | Certification from the Office of the Solicitor General to the effect that his/her Filipino Citizenship has not been annulled or subject of review. | |
E. | Other Requirements When Applicant is a CORPORATION OR PARTNERSHIP: | ||
1. | ( ) | A certified copy of the Articles of Incorporation and By-Laws. | |
2. | ( ) | A resolution of the Board of Directors authorizing the application for loan. |
APPENDIX G
COST AND RETURN For One (1) Hectare Bangus Culture
A. | RETURN: | ||||
Sales of 4,000 pcs. marketable bangus | |||||
4 pcs./kg. | |||||
1,000 kgs. at 6.00/kg | 6,000.00 | ||||
B. | COSTS: | ||||
1. | 6,000 bangus fingerlings at 0.15/pc | 900.00 | |||
2. | Hauling expenses | 160.00 | |||
3. | 6 bags of inorganic fertilizer | 660.00 | |||
4. | 2 tons of chicken manure | 400.00 | |||
5. | 2 kg of pesticides at 120/kg | 240.00 | |||
6. | 200 kg of rice bran at 0.70/kg | 140.00 | |||
7. | Maintenance and repair | 260.00 | |||
8. | Harvesting expenses | 50.00 | |||
9. | Marketing expenses | 100.00 | |||
10. | Interest on Loan* | 360.00 | |||
11. | Contingencies | 90.00 | 3,360.00 | ||
C. | NET INCOME | 2,640.00 |
* Interest on loan is not a part of cost being financed
APPENDIX H
COST AND RETURN For One (1) Hectare Bangus and Sugpo Culture (Combination)
A. | RETURNS: | ||
Sales: | |||
1. 4,000 pcs. marketable bangus | |||
4 pcs./kg | |||
1,000 kg. at 6.00/kg | 6,000.00 | ||
2. 4,000 pcs. marketable sugpo | |||
18 pcs/kg | |||
222 kg at 20/kg | 4,440.00 | ||
T o t a l | 10,440.00 | ||
B | COSTS: | ||
1. 6,000 bangus fingerlings at 0.15/pc | 900.00 | ||
2. 10,000 sugpo fry at 0.15/pc | 1,500.00 | ||
3. Hauling expenses | 160.00 | ||
4. 6 bags of inorganic fertilizer | 660.00 | ||
5. 2 tons chicken manure | 400.00 | ||
6. 2 kgs of pesticides at 120/kg | 240.00 | ||
7. 200 kgs of rice bran at 0.70/kg | 140.00 | ||
8. Maintenance and repair | 260.00 | ||
9. Harvesting expenses | 50.00 | ||
10. Marketing expenses | 100.00 | ||
11. Interest on loan* | 540.00 | ||
12. Contingencies | 90.00 | 5,040.00 | |
C. | NET INCOME | 5,400.00 |
* Interest on loan is not a part of cost being financed