Except that you divide by 240 and pay that amount for every Maintenance Period for 40 years. (520 payments over 40 years as opposed to 480)
Nothing in the book supports that number. Making up something to make it work doesn't actually justify it as being correct. It's a workaround to make it work the way you want it to.
Or We are conflating Maintenance Periods with months. Nowhere in any book I can find defines a Maintenance Period as a month. They all define it as 4 weeks. They use numbers in the math that are easy to assume are referencing 12 months/Maintenance Periods in a year, but nowhere does it actually say that.
Directly? No. Indirectly, yes. Let me quote a few things again.
Repairs and Maintenance: A ship needs maintenance, which costs 0.1% of the total purchase price of the ship per year.
We have now established that the 0.1% of the purchase price is a per year number. That is outright said there.
Divide this final figure by 12, and you will have the regular maintenance cost of the ship, payable every Maintenance Period (see page 149).
So, the figure that is
clearly stated as being for a year is divided by 12 and that amount is paid
every maintenance period for a year. No skipped periods. Every single one.
Taken together, there are 12 maintenance periods in a year. Twelve 28-day maintenance periods. 336 days. That is a clear and definitive reading of the rules as written in the core rulebook. Not 13 periods. 12 don't miss a single one periods a year.
Now that we established that math is hard for Mongoose, we can turn our attention to the mortgage.
Start with the total purchase price of the ship being bought, then divide this amount by 240.
Not 260. 240. That affirms the 12 periods in a year bias as it is baked into the math.
This is the amount that must be repaid every Maintenance Period for the next 40 years.
It must be paid every maintenance period. We've established there are 12 in a year, so the math again checks out. 336 days in a year, a clearly wrong number.
As I've taken pains to say multiple times, that's wrong and The Third Imperium is correct. As the two numbers cannot both be right, the core rulebook is clearly wrong on that.
You can make the mortgage payments by dividing by 260 and work with 13 maintenance periods a year (I do, and I wasn't smart enough to recalculate the numbers) but that is a workaround not supported by the rules as written. I am fully on board with how you are doing this, and my only comment is that it is a workaround, not how things are spelled out.