RateCity.com.au
Advertisement

UHomeLoan - Standard Variable (Principal and Interest) from UBank

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$150,000
Advertised rate
4.17%Variable
Loan term
over 30 years
Repayment Frequency
Monthly
Monthly repayment
$731
Number of Repayments
360
Total Interest Paid
$113,160
Total repayments
$263,160
DatePrincipleInterestPaymentBalance
1Dec 2017$209.65$521.25$730.90$149,790.35
2017 Total$209.65$521.25$730.9
2Jan 2018$210.38$520.52$730.90$149,579.97
3Feb 2018$211.11$519.79$730.90$149,368.86
4Mar 2018$211.84$519.06$730.90$149,157.02
5Apr 2018$212.58$518.32$730.90$148,944.44
6May 2018$213.32$517.58$730.90$148,731.12
7Jun 2018$214.06$516.84$730.90$148,517.06
8Jul 2018$214.80$516.10$730.90$148,302.26
9Aug 2018$215.55$515.35$730.90$148,086.71
10Sep 2018$216.30$514.60$730.90$147,870.41
11Oct 2018$217.05$513.85$730.90$147,653.36
12Nov 2018$217.80$513.10$730.90$147,435.56
13Dec 2018$218.56$512.34$730.90$147,217.00
2018 Total$2,573.35$6,197.45$8,770.8
14Jan 2019$219.32$511.58$730.90$146,997.68
15Feb 2019$220.08$510.82$730.90$146,777.60
16Mar 2019$220.85$510.05$730.90$146,556.75
17Apr 2019$221.62$509.28$730.90$146,335.13
18May 2019$222.39$508.51$730.90$146,112.74
19Jun 2019$223.16$507.74$730.90$145,889.58
20Jul 2019$223.93$506.97$730.90$145,665.65
21Aug 2019$224.71$506.19$730.90$145,440.94
22Sep 2019$225.49$505.41$730.90$145,215.45
23Oct 2019$226.28$504.62$730.90$144,989.17
24Nov 2019$227.06$503.84$730.90$144,762.11
25Dec 2019$227.85$503.05$730.90$144,534.26
2019 Total$2,682.74$6,088.06$8,770.8
26Jan 2020$228.64$502.26$730.90$144,305.62
27Feb 2020$229.44$501.46$730.90$144,076.18
28Mar 2020$230.24$500.66$730.90$143,845.94
29Apr 2020$231.04$499.86$730.90$143,614.90
30May 2020$231.84$499.06$730.90$143,383.06
31Jun 2020$232.64$498.26$730.90$143,150.42
32Jul 2020$233.45$497.45$730.90$142,916.97
33Aug 2020$234.26$496.64$730.90$142,682.71
34Sep 2020$235.08$495.82$730.90$142,447.63
35Oct 2020$235.89$495.01$730.90$142,211.74
36Nov 2020$236.71$494.19$730.90$141,975.03
37Dec 2020$237.54$493.36$730.90$141,737.49
2020 Total$2,796.77$5,974.03$8,770.8
38Jan 2021$238.36$492.54$730.90$141,499.13
39Feb 2021$239.19$491.71$730.90$141,259.94
40Mar 2021$240.02$490.88$730.90$141,019.92
41Apr 2021$240.86$490.04$730.90$140,779.06
42May 2021$241.69$489.21$730.90$140,537.37
43Jun 2021$242.53$488.37$730.90$140,294.84
44Jul 2021$243.38$487.52$730.90$140,051.46
45Aug 2021$244.22$486.68$730.90$139,807.24
46Sep 2021$245.07$485.83$730.90$139,562.17
47Oct 2021$245.92$484.98$730.90$139,316.25
48Nov 2021$246.78$484.12$730.90$139,069.47
49Dec 2021$247.63$483.27$730.90$138,821.84
2021 Total$2,915.65$5,855.15$8,770.8
50Jan 2022$248.49$482.41$730.90$138,573.35
51Feb 2022$249.36$481.54$730.90$138,323.99
52Mar 2022$250.22$480.68$730.90$138,073.77
53Apr 2022$251.09$479.81$730.90$137,822.68
54May 2022$251.97$478.93$730.90$137,570.71
55Jun 2022$252.84$478.06$730.90$137,317.87
56Jul 2022$253.72$477.18$730.90$137,064.15
57Aug 2022$254.60$476.30$730.90$136,809.55
58Sep 2022$255.49$475.41$730.90$136,554.06
59Oct 2022$256.37$474.53$730.90$136,297.69
60Nov 2022$257.27$473.63$730.90$136,040.42
61Dec 2022$258.16$472.74$730.90$135,782.26
2022 Total$3,039.58$5,731.22$8,770.8
62Jan 2023$259.06$471.84$730.90$135,523.20
63Feb 2023$259.96$470.94$730.90$135,263.24
64Mar 2023$260.86$470.04$730.90$135,002.38
65Apr 2023$261.77$469.13$730.90$134,740.61
66May 2023$262.68$468.22$730.90$134,477.93
67Jun 2023$263.59$467.31$730.90$134,214.34
68Jul 2023$264.51$466.39$730.90$133,949.83
69Aug 2023$265.42$465.48$730.90$133,684.41
70Sep 2023$266.35$464.55$730.90$133,418.06
71Oct 2023$267.27$463.63$730.90$133,150.79
72Nov 2023$268.20$462.70$730.90$132,882.59
73Dec 2023$269.13$461.77$730.90$132,613.46
2023 Total$3,168.8$5,602$8,770.8
74Jan 2024$270.07$460.83$730.90$132,343.39
75Feb 2024$271.01$459.89$730.90$132,072.38
76Mar 2024$271.95$458.95$730.90$131,800.43
77Apr 2024$272.89$458.01$730.90$131,527.54
78May 2024$273.84$457.06$730.90$131,253.70
79Jun 2024$274.79$456.11$730.90$130,978.91
80Jul 2024$275.75$455.15$730.90$130,703.16
81Aug 2024$276.71$454.19$730.90$130,426.45
82Sep 2024$277.67$453.23$730.90$130,148.78
83Oct 2024$278.63$452.27$730.90$129,870.15
84Nov 2024$279.60$451.30$730.90$129,590.55
85Dec 2024$280.57$450.33$730.90$129,309.98
2024 Total$3,303.48$5,467.32$8,770.8
86Jan 2025$281.55$449.35$730.90$129,028.43
87Feb 2025$282.53$448.37$730.90$128,745.90
88Mar 2025$283.51$447.39$730.90$128,462.39
89Apr 2025$284.49$446.41$730.90$128,177.90
90May 2025$285.48$445.42$730.90$127,892.42
91Jun 2025$286.47$444.43$730.90$127,605.95
92Jul 2025$287.47$443.43$730.90$127,318.48
93Aug 2025$288.47$442.43$730.90$127,030.01
94Sep 2025$289.47$441.43$730.90$126,740.54
95Oct 2025$290.48$440.42$730.90$126,450.06
96Nov 2025$291.49$439.41$730.90$126,158.57
97Dec 2025$292.50$438.40$730.90$125,866.07
2025 Total$3,443.91$5,326.89$8,770.8
98Jan 2026$293.52$437.38$730.90$125,572.55
99Feb 2026$294.54$436.36$730.90$125,278.01
100Mar 2026$295.56$435.34$730.90$124,982.45
101Apr 2026$296.59$434.31$730.90$124,685.86
102May 2026$297.62$433.28$730.90$124,388.24
103Jun 2026$298.65$432.25$730.90$124,089.59
104Jul 2026$299.69$431.21$730.90$123,789.90
105Aug 2026$300.73$430.17$730.90$123,489.17
106Sep 2026$301.78$429.12$730.90$123,187.39
107Oct 2026$302.82$428.08$730.90$122,884.57
108Nov 2026$303.88$427.02$730.90$122,580.69
109Dec 2026$304.93$425.97$730.90$122,275.76
2026 Total$3,590.31$5,180.49$8,770.8
110Jan 2027$305.99$424.91$730.90$121,969.77
111Feb 2027$307.06$423.84$730.90$121,662.71
112Mar 2027$308.12$422.78$730.90$121,354.59
113Apr 2027$309.19$421.71$730.90$121,045.40
114May 2027$310.27$420.63$730.90$120,735.13
115Jun 2027$311.35$419.55$730.90$120,423.78
116Jul 2027$312.43$418.47$730.90$120,111.35
117Aug 2027$313.51$417.39$730.90$119,797.84
118Sep 2027$314.60$416.30$730.90$119,483.24
119Oct 2027$315.70$415.20$730.90$119,167.54
120Nov 2027$316.79$414.11$730.90$118,850.75
121Dec 2027$317.89$413.01$730.90$118,532.86
2027 Total$3,742.9$5,027.9$8,770.8
122Jan 2028$319.00$411.90$730.90$118,213.86
123Feb 2028$320.11$410.79$730.90$117,893.75
124Mar 2028$321.22$409.68$730.90$117,572.53
125Apr 2028$322.34$408.56$730.90$117,250.19
126May 2028$323.46$407.44$730.90$116,926.73
127Jun 2028$324.58$406.32$730.90$116,602.15
128Jul 2028$325.71$405.19$730.90$116,276.44
129Aug 2028$326.84$404.06$730.90$115,949.60
130Sep 2028$327.98$402.92$730.90$115,621.62
131Oct 2028$329.11$401.79$730.90$115,292.51
132Nov 2028$330.26$400.64$730.90$114,962.25
133Dec 2028$331.41$399.49$730.90$114,630.84
2028 Total$3,902.02$4,868.78$8,770.8
134Jan 2029$332.56$398.34$730.90$114,298.28
135Feb 2029$333.71$397.19$730.90$113,964.57
136Mar 2029$334.87$396.03$730.90$113,629.70
137Apr 2029$336.04$394.86$730.90$113,293.66
138May 2029$337.20$393.70$730.90$112,956.46
139Jun 2029$338.38$392.52$730.90$112,618.08
140Jul 2029$339.55$391.35$730.90$112,278.53
141Aug 2029$340.73$390.17$730.90$111,937.80
142Sep 2029$341.92$388.98$730.90$111,595.88
143Oct 2029$343.10$387.80$730.90$111,252.78
144Nov 2029$344.30$386.60$730.90$110,908.48
145Dec 2029$345.49$385.41$730.90$110,562.99
2029 Total$4,067.85$4,702.95$8,770.8
146Jan 2030$346.69$384.21$730.90$110,216.30
147Feb 2030$347.90$383.00$730.90$109,868.40
148Mar 2030$349.11$381.79$730.90$109,519.29
149Apr 2030$350.32$380.58$730.90$109,168.97
150May 2030$351.54$379.36$730.90$108,817.43
151Jun 2030$352.76$378.14$730.90$108,464.67
152Jul 2030$353.99$376.91$730.90$108,110.68
153Aug 2030$355.22$375.68$730.90$107,755.46
154Sep 2030$356.45$374.45$730.90$107,399.01
155Oct 2030$357.69$373.21$730.90$107,041.32
156Nov 2030$358.93$371.97$730.90$106,682.39
157Dec 2030$360.18$370.72$730.90$106,322.21
2030 Total$4,240.78$4,530.02$8,770.8
158Jan 2031$361.43$369.47$730.90$105,960.78
159Feb 2031$362.69$368.21$730.90$105,598.09
160Mar 2031$363.95$366.95$730.90$105,234.14
161Apr 2031$365.21$365.69$730.90$104,868.93
162May 2031$366.48$364.42$730.90$104,502.45
163Jun 2031$367.75$363.15$730.90$104,134.70
164Jul 2031$369.03$361.87$730.90$103,765.67
165Aug 2031$370.31$360.59$730.90$103,395.36
166Sep 2031$371.60$359.30$730.90$103,023.76
167Oct 2031$372.89$358.01$730.90$102,650.87
168Nov 2031$374.19$356.71$730.90$102,276.68
169Dec 2031$375.49$355.41$730.90$101,901.19
2031 Total$4,421.02$4,349.78$8,770.8
170Jan 2032$376.79$354.11$730.90$101,524.40
171Feb 2032$378.10$352.80$730.90$101,146.30
172Mar 2032$379.42$351.48$730.90$100,766.88
173Apr 2032$380.74$350.16$730.90$100,386.14
174May 2032$382.06$348.84$730.90$100,004.08
175Jun 2032$383.39$347.51$730.90$99,620.69
176Jul 2032$384.72$346.18$730.90$99,235.97
177Aug 2032$386.06$344.84$730.90$98,849.91
178Sep 2032$387.40$343.50$730.90$98,462.51
179Oct 2032$388.74$342.16$730.90$98,073.77
180Nov 2032$390.09$340.81$730.90$97,683.68
181Dec 2032$391.45$339.45$730.90$97,292.23
2032 Total$4,608.96$4,161.84$8,770.8
182Jan 2033$392.81$338.09$730.90$96,899.42
183Feb 2033$394.17$336.73$730.90$96,505.25
184Mar 2033$395.54$335.36$730.90$96,109.71
185Apr 2033$396.92$333.98$730.90$95,712.79
186May 2033$398.30$332.60$730.90$95,314.49
187Jun 2033$399.68$331.22$730.90$94,914.81
188Jul 2033$401.07$329.83$730.90$94,513.74
189Aug 2033$402.46$328.44$730.90$94,111.28
190Sep 2033$403.86$327.04$730.90$93,707.42
191Oct 2033$405.27$325.63$730.90$93,302.15
192Nov 2033$406.68$324.22$730.90$92,895.47
193Dec 2033$408.09$322.81$730.90$92,487.38
2033 Total$4,804.85$3,965.95$8,770.8
194Jan 2034$409.51$321.39$730.90$92,077.87
195Feb 2034$410.93$319.97$730.90$91,666.94
196Mar 2034$412.36$318.54$730.90$91,254.58
197Apr 2034$413.79$317.11$730.90$90,840.79
198May 2034$415.23$315.67$730.90$90,425.56
199Jun 2034$416.67$314.23$730.90$90,008.89
200Jul 2034$418.12$312.78$730.90$89,590.77
201Aug 2034$419.57$311.33$730.90$89,171.20
202Sep 2034$421.03$309.87$730.90$88,750.17
203Oct 2034$422.49$308.41$730.90$88,327.68
204Nov 2034$423.96$306.94$730.90$87,903.72
205Dec 2034$425.43$305.47$730.90$87,478.29
2034 Total$5,009.09$3,761.71$8,770.8
206Jan 2035$426.91$303.99$730.90$87,051.38
207Feb 2035$428.40$302.50$730.90$86,622.98
208Mar 2035$429.89$301.01$730.90$86,193.09
209Apr 2035$431.38$299.52$730.90$85,761.71
210May 2035$432.88$298.02$730.90$85,328.83
211Jun 2035$434.38$296.52$730.90$84,894.45
212Jul 2035$435.89$295.01$730.90$84,458.56
213Aug 2035$437.41$293.49$730.90$84,021.15
214Sep 2035$438.93$291.97$730.90$83,582.22
215Oct 2035$440.45$290.45$730.90$83,141.77
216Nov 2035$441.98$288.92$730.90$82,699.79
217Dec 2035$443.52$287.38$730.90$82,256.27
2035 Total$5,222.02$3,548.78$8,770.8
218Jan 2036$445.06$285.84$730.90$81,811.21
219Feb 2036$446.61$284.29$730.90$81,364.60
220Mar 2036$448.16$282.74$730.90$80,916.44
221Apr 2036$449.72$281.18$730.90$80,466.72
222May 2036$451.28$279.62$730.90$80,015.44
223Jun 2036$452.85$278.05$730.90$79,562.59
224Jul 2036$454.42$276.48$730.90$79,108.17
225Aug 2036$456.00$274.90$730.90$78,652.17
226Sep 2036$457.58$273.32$730.90$78,194.59
227Oct 2036$459.17$271.73$730.90$77,735.42
228Nov 2036$460.77$270.13$730.90$77,274.65
229Dec 2036$462.37$268.53$730.90$76,812.28
2036 Total$5,443.99$3,326.81$8,770.8
230Jan 2037$463.98$266.92$730.90$76,348.30
231Feb 2037$465.59$265.31$730.90$75,882.71
232Mar 2037$467.21$263.69$730.90$75,415.50
233Apr 2037$468.83$262.07$730.90$74,946.67
234May 2037$470.46$260.44$730.90$74,476.21
235Jun 2037$472.10$258.80$730.90$74,004.11
236Jul 2037$473.74$257.16$730.90$73,530.37
237Aug 2037$475.38$255.52$730.90$73,054.99
238Sep 2037$477.03$253.87$730.90$72,577.96
239Oct 2037$478.69$252.21$730.90$72,099.27
240Nov 2037$480.36$250.54$730.90$71,618.91
241Dec 2037$482.02$248.88$730.90$71,136.89
2037 Total$5,675.39$3,095.41$8,770.8
242Jan 2038$483.70$247.20$730.90$70,653.19
243Feb 2038$485.38$245.52$730.90$70,167.81
244Mar 2038$487.07$243.83$730.90$69,680.74
245Apr 2038$488.76$242.14$730.90$69,191.98
246May 2038$490.46$240.44$730.90$68,701.52
247Jun 2038$492.16$238.74$730.90$68,209.36
248Jul 2038$493.87$237.03$730.90$67,715.49
249Aug 2038$495.59$235.31$730.90$67,219.90
250Sep 2038$497.31$233.59$730.90$66,722.59
251Oct 2038$499.04$231.86$730.90$66,223.55
252Nov 2038$500.77$230.13$730.90$65,722.78
253Dec 2038$502.51$228.39$730.90$65,220.27
2038 Total$5,916.62$2,854.18$8,770.8
254Jan 2039$504.26$226.64$730.90$64,716.01
255Feb 2039$506.01$224.89$730.90$64,210.00
256Mar 2039$507.77$223.13$730.90$63,702.23
257Apr 2039$509.53$221.37$730.90$63,192.70
258May 2039$511.31$219.59$730.90$62,681.39
259Jun 2039$513.08$217.82$730.90$62,168.31
260Jul 2039$514.87$216.03$730.90$61,653.44
261Aug 2039$516.65$214.25$730.90$61,136.79
262Sep 2039$518.45$212.45$730.90$60,618.34
263Oct 2039$520.25$210.65$730.90$60,098.09
264Nov 2039$522.06$208.84$730.90$59,576.03
265Dec 2039$523.87$207.03$730.90$59,052.16
2039 Total$6,168.11$2,602.69$8,770.8
266Jan 2040$525.69$205.21$730.90$58,526.47
267Feb 2040$527.52$203.38$730.90$57,998.95
268Mar 2040$529.35$201.55$730.90$57,469.60
269Apr 2040$531.19$199.71$730.90$56,938.41
270May 2040$533.04$197.86$730.90$56,405.37
271Jun 2040$534.89$196.01$730.90$55,870.48
272Jul 2040$536.75$194.15$730.90$55,333.73
273Aug 2040$538.62$192.28$730.90$54,795.11
274Sep 2040$540.49$190.41$730.90$54,254.62
275Oct 2040$542.37$188.53$730.90$53,712.25
276Nov 2040$544.25$186.65$730.90$53,168.00
277Dec 2040$546.14$184.76$730.90$52,621.86
2040 Total$6,430.3$2,340.5$8,770.8
278Jan 2041$548.04$182.86$730.90$52,073.82
279Feb 2041$549.94$180.96$730.90$51,523.88
280Mar 2041$551.85$179.05$730.90$50,972.03
281Apr 2041$553.77$177.13$730.90$50,418.26
282May 2041$555.70$175.20$730.90$49,862.56
283Jun 2041$557.63$173.27$730.90$49,304.93
284Jul 2041$559.57$171.33$730.90$48,745.36
285Aug 2041$561.51$169.39$730.90$48,183.85
286Sep 2041$563.46$167.44$730.90$47,620.39
287Oct 2041$565.42$165.48$730.90$47,054.97
288Nov 2041$567.38$163.52$730.90$46,487.59
289Dec 2041$569.36$161.54$730.90$45,918.23
2041 Total$6,703.63$2,067.17$8,770.8
290Jan 2042$571.33$159.57$730.90$45,346.90
291Feb 2042$573.32$157.58$730.90$44,773.58
292Mar 2042$575.31$155.59$730.90$44,198.27
293Apr 2042$577.31$153.59$730.90$43,620.96
294May 2042$579.32$151.58$730.90$43,041.64
295Jun 2042$581.33$149.57$730.90$42,460.31
296Jul 2042$583.35$147.55$730.90$41,876.96
297Aug 2042$585.38$145.52$730.90$41,291.58
298Sep 2042$587.41$143.49$730.90$40,704.17
299Oct 2042$589.45$141.45$730.90$40,114.72
300Nov 2042$591.50$139.40$730.90$39,523.22
301Dec 2042$593.56$137.34$730.90$38,929.66
2042 Total$6,988.57$1,782.23$8,770.8
302Jan 2043$595.62$135.28$730.90$38,334.04
303Feb 2043$597.69$133.21$730.90$37,736.35
304Mar 2043$599.77$131.13$730.90$37,136.58
305Apr 2043$601.85$129.05$730.90$36,534.73
306May 2043$603.94$126.96$730.90$35,930.79
307Jun 2043$606.04$124.86$730.90$35,324.75
308Jul 2043$608.15$122.75$730.90$34,716.60
309Aug 2043$610.26$120.64$730.90$34,106.34
310Sep 2043$612.38$118.52$730.90$33,493.96
311Oct 2043$614.51$116.39$730.90$32,879.45
312Nov 2043$616.64$114.26$730.90$32,262.81
313Dec 2043$618.79$112.11$730.90$31,644.02
2043 Total$7,285.64$1,485.16$8,770.8
314Jan 2044$620.94$109.96$730.90$31,023.08
315Feb 2044$623.09$107.81$730.90$30,399.99
316Mar 2044$625.26$105.64$730.90$29,774.73
317Apr 2044$627.43$103.47$730.90$29,147.30
318May 2044$629.61$101.29$730.90$28,517.69
319Jun 2044$631.80$99.10$730.90$27,885.89
320Jul 2044$634.00$96.90$730.90$27,251.89
321Aug 2044$636.20$94.70$730.90$26,615.69
322Sep 2044$638.41$92.49$730.90$25,977.28
323Oct 2044$640.63$90.27$730.90$25,336.65
324Nov 2044$642.86$88.04$730.90$24,693.79
325Dec 2044$645.09$85.81$730.90$24,048.70
2044 Total$7,595.32$1,175.48$8,770.8
326Jan 2045$647.33$83.57$730.90$23,401.37
327Feb 2045$649.58$81.32$730.90$22,751.79
328Mar 2045$651.84$79.06$730.90$22,099.95
329Apr 2045$654.10$76.80$730.90$21,445.85
330May 2045$656.38$74.52$730.90$20,789.47
331Jun 2045$658.66$72.24$730.90$20,130.81
332Jul 2045$660.95$69.95$730.90$19,469.86
333Aug 2045$663.24$67.66$730.90$18,806.62
334Sep 2045$665.55$65.35$730.90$18,141.07
335Oct 2045$667.86$63.04$730.90$17,473.21
336Nov 2045$670.18$60.72$730.90$16,803.03
337Dec 2045$672.51$58.39$730.90$16,130.52
2045 Total$7,918.18$852.62$8,770.8
338Jan 2046$674.85$56.05$730.90$15,455.67
339Feb 2046$677.19$53.71$730.90$14,778.48
340Mar 2046$679.54$51.36$730.90$14,098.94
341Apr 2046$681.91$48.99$730.90$13,417.03
342May 2046$684.28$46.62$730.90$12,732.75
343Jun 2046$686.65$44.25$730.90$12,046.10
344Jul 2046$689.04$41.86$730.90$11,357.06
345Aug 2046$691.43$39.47$730.90$10,665.63
346Sep 2046$693.84$37.06$730.90$9,971.79
347Oct 2046$696.25$34.65$730.90$9,275.54
348Nov 2046$698.67$32.23$730.90$8,576.87
349Dec 2046$701.10$29.80$730.90$7,875.77
2046 Total$8,254.75$516.05$8,770.8
350Jan 2047$703.53$27.37$730.90$7,172.24
351Feb 2047$705.98$24.92$730.90$6,466.26
352Mar 2047$708.43$22.47$730.90$5,757.83
353Apr 2047$710.89$20.01$730.90$5,046.94
354May 2047$713.36$17.54$730.90$4,333.58
355Jun 2047$715.84$15.06$730.90$3,617.74
356Jul 2047$718.33$12.57$730.90$2,899.41
357Aug 2047$720.82$10.08$730.90$2,178.59
358Sep 2047$723.33$7.57$730.90$1,455.26
359Oct 2047$725.84$5.06$730.90$729.42
360Nov 2047$728.37$2.53$730.90$1.05
2047 Total$7,874.72$165.18$8,039.9
Compare your product with the big 4 banks, or add more products to compare