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I was looking at: https://en.wikipedia.org/wiki/Mortgage#Principal_and_interes...

It's not necessarily wrong, but it's missing any disclaimer about which interest rates they're talking about so if you don't know what you're doing it will lead to mistakes.


Ok, so defining the monthly rate as yearly rate / 12 will lead to mistakes if the yearly rate is not twelve times the monthly rate.

(Of course any other definition of monthly rate will also lead to mistakes when it's inconsistent with the definition of yearly rate.)

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