For positive discount rates today's value (NPV) of both principal payments and interest will actually be less than what is stated as they are paid in the future

For positive discount rates today's value (NPV) of both principal payments and interest will actually be less than what is stated as they are paid in the future (1:). Of course, the effect of this depends on the size of the discount rate, https://www.investopedia.com/terms/n/npv.asp https://www.investopedia.com/terms/n/npv.asp (1: not looked at the calculation as the time period is not stated)