نموذج Excel: حاسبة الرهن العقاري بمعدل فائدة قابل للتعديل (ARM)

عنوان: Adjustable Rate Mortgage (ARM) Calculator

 وصف:

 

This spreadsheet is designed to help users calculate the payments and financial implications of an adjustable-rate mortgage. It includes sections for loan information, rate adjustments, and an amortization schedule.

 

  • معلومات القرض: Details of the loan, including loan amount, term, starting interest rate, and first payment date.
  • Rate Adjustments: Information about the rate adjustment periods, expected adjustments, and interest rate caps.
  • جدول الاستهلاك: Breakdown of each payment, including payment date, interest rate, payment due, interest, principal, balance, and cumulative totals.

 

نصائح/إرشادات:
  • معلومات القرض:
    • Ensure all loan details are accurately entered before proceeding with calculations.
    • Regularly review and update loan details as necessary.

  • Rate Adjustments:
    • Monitor the rate adjustment periods and expected changes in interest rates.
    • Be aware of the interest rate cap to understand the maximum possible rate.

  • جدول الاستهلاك:
    • Review the amortization schedule to understand the distribution of interest and principal payments.
    • Use the schedule to plan for potential changes in monthly payments over time.

 

مصدر: حاسبة مخصصة

انقر على الرمز التالي لفتح عارض المصنف الكامل في علامة تبويب جديدة، مما يسمح لك بتحريره وحفظه بسهولة.

انقر على الرمز التالي لتنزيل جدول البيانات، مما يسمح لك بحفظ الملف على جهاز الكمبيوتر الخاص بك مع التعديلات.

مثال على استخدام الآلة الحاسبة:

مثال تفصيلي لاستخدام جدول البيانات: المهام التي يجب على المستخدم إكمالها:

 

  1. قسم معلومات القرض:
    • Enter the loan amount, term, and starting interest rate.
      • Example values: Loan Amount – $1,000,000, Term – 10 years, Starting Interest Rate – 6%, First Payment Date – 1/1/2019.

  2. Rate Adjustments:
    • Enter details about rate adjustment periods and expected adjustments.
      • Example values: Rate Remains Fixed for – 5 years, Months Between Adjustments – 24, Expected Adjustment – 0.25%, Interest Rate Cap – 12.00%.

  3. جدول الاستهلاك:
    • Review the payment schedule, including payment dates, interest rates, and payment amounts.
      • قيم المثال:
        • Payment Date: 01/01/19, Interest Rate: 6.00%, Payment Due: $11,102.05, Interest: $5,000, Principal: $6,102.05, Balance: $993,897.95.

لماذا تعتبر الآلة الحاسبة التفاعلية مفيدة:

This spreadsheet consolidates all information related to an adjustable-rate mortgage in one place, making it easier to monitor and calculate mortgage payments. By providing a clear view of loan details, rate adjustments, and payment schedules, it helps users make informed decisions about their mortgage strategy.

 

مصدر: جدول بيانات مخصص

خاتمة:

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