... if they are handled in a foreign currency, such as theU.S. dollar. (For information on how the model treats indexed loans see section 4. 3 .4; for indexed savings, see section 4. 4.) As with all ... be modified monthly for years 1 and 2, and quarterly for years 3, 4, and 5.Rates are set in annual equivalents, and the model converts them into monthlyvalues, compensating for monthly compounding ... services it offers (see section 3 .4. 4).Different financial products are designed for different purposes and differentclients. For example, working capital loans and loans for the purchase of fixedassets...