نموذج Excel: حاسبة سداد الرهن العقاري المبكر

عنوان: Early Mortgage Payoff Calculator

 وصف:

 

This spreadsheet helps users calculate the benefits of making extra payments on their mortgage to pay it off early. It includes sections for loan information, a summary of loan payments with and without extra payments, and a detailed payment schedule.

 

  • معلومات القرض: Enter details such as loan amount, annual interest rate, term of the loan, and extra monthly payment.
  • Loan Summary: Compare monthly payment, number of payments, total payments, total interest, and interest savings with and without extra payments.
  • Payment Schedule: Track monthly payments, including breakdowns of principal and interest, cumulative totals, and remaining balance.

 

نصائح/إرشادات:
  • معلومات القرض:
    • Ensure all loan details are accurately entered before proceeding with calculations.
    • Regularly update the extra monthly payment to reflect any changes.

  • Loan Summary:
    • Review the summary to understand the overall impact of extra payments on your mortgage.
    • Use the summary to make informed decisions about how much extra to pay each month.

  • Payment Schedule:
    • Review the payment schedule to track progress and understand the distribution of interest and principal payments over time.
    • Use the schedule to plan for potential changes in monthly payments.

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, annual interest rate, term of the loan, and extra monthly payment.
      • Example values: Loan Amount – $250,000, Annual Interest Rate – 6.00%, Term of Loan – 30 years, Extra Monthly Payment – $500.

  2. Loan Summary:
    • Review the total payments, number of payments, total interest, and interest savings with and without extra payments.
      • قيم المثال:
        • Monthly Payment: With Extra Payments – $4,152.14, Without Extra Payments – $3,652.14
        • Total Interest: With Extra Payments – $48,183.50, Without Extra Payments – $56,779.64
        • Interest Savings: $8,596.14
  3. Payment Schedule:
    • Review the payment schedule, including breakdowns of principal and interest, cumulative totals, and remaining balance.
      • قيم المثال:
        • Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86

لماذا تعتبر الآلة الحاسبة التفاعلية مفيدة:

This spreadsheet consolidates all information related to early mortgage payoff in one place, making it easier to evaluate the benefits of making extra payments. By providing a clear view of loan details, payment summaries, and schedules, it helps users make informed decisions about their mortgage strategy.

 

مصدر: جدول بيانات مخصص

خاتمة:

The Early Mortgage Payoff Calculator is an invaluable tool for managing and understanding the financial implications of making extra payments on a mortgage. By providing a detailed and organized approach to recording and analyzing mortgage data, it helps users achieve financial stability and make informed decisions about their mortgage payments. Regular updates and reviews ensure that the mortgage strategy remains aligned with changing financial conditions and goals.

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