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Commercial Refinance Refinancing a commercial mortgage follows many of the same principles as refinancing any other loan: be creditworthy and be able to show income to pay the loan. However, just because the mortgage.Calculate Term Of Loan Based On Payment The term (duration) of the loan is a function of the "Total Scheduled Periods" and the "Payment Frequency". If the loan is calling for monthly payments and the term is four years, then enter 48 for the "Total Scheduled Periods". If the payments are made quarterly and the term is ten years, then enter 40 for the "Total Scheduled Periods".