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APR Spread Calculator uses the Actuarial Method of calculating Annual Percentage Rates for mortgage loans as explained in Appendix J of 12 CFR Ch. II, Pt. 226, the portion of the United States Code of Federal Regulations known as Regulation Z. In addition to the basic APR calculation, APR Spread Calculator also provides a spreadsheet-like grid of APRs by loan amounts and fixed fee amounts.

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