dv01’s cashflow engine now features Purchase Rate Schedules and Pool Balance Growth input assumptions. While both can be used to increase the principal balance outstanding, the former effectively adds loans to the pool, while the latter models incremental balance growth across all revolving credit lines, such as credit cards, to reflect how borrowers draw on available credit lines over time. Both assumptions can be defined any of three ways upon the end-of-month pool balance:
- ABS% (Absolute %): adds a fixed % of the initial balance every month, remains constant
- COM% (Compounding %): adds a % of the current balance each month, growth accelerates
- ABS$ (Absolute $): adds a fixed dollar amount each month, remains constant
Purchase Rate Schedule added Sep ‘25, Pool Balance Growth added Dec '25