نموذج Excel: جدول استهلاك الدفعة الثابتة

عنوان: Fixed Payment Amortization Schedule

 وصف:

 

This spreadsheet is used to create an amortization schedule for loans with fixed payments. It provides a detailed breakdown of each payment, including how much goes toward interest and principal, and tracks the remaining balance over time.

 

  • Loan Details: Enter loan amount, annual interest rate, loan term, and payment frequency.
  • جدول الاستهلاك: A detailed table showing each payment date, payment amount, principal portion, interest portion, and remaining balance.
  • ملخص: Provides an overview of total interest paid, total payments, and loan payoff details.

 

نصائح/إرشادات:
  • Loan Details:
    • Ensure accurate entry of loan amount, interest rate, and loan term to generate a correct amortization schedule.
    • Update payment frequency if needed to match the actual payment schedule.

  • جدول الاستهلاك:
    • Review each row to understand how payments are split between interest and principal.
    • Regularly check the remaining balance to monitor progress toward loan payoff.

  • ملخص:
    • Use the summary to review total interest and payments to understand the overall cost of the loan.
    • Use this information to make informed decisions about refinancing or extra 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. Loan Details Section:
    • Enter the loan amount, annual interest rate, loan term, and payment frequency.
      • Example values: Loan Amount – $150,000, Annual Interest Rate – 5.00%, Loan Term – 30 years, Payment Frequency – Monthly.

  2. جدول الاستهلاك:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • قيم المثال:
        • Payment Date: 1/1/2023, Payment Amount: $805.23, Principal Portion: $220.23, Interest Portion: $585.00, Remaining Balance: $149,779.77.
        • Payment Date: 2/1/2023, Payment Amount: $805.23, Principal Portion: $221.02, Interest Portion: $584.21, Remaining Balance: $149,558.75.

  3. ملخص:
    • Review total interest paid, total payments, and loan payoff details.
      • قيم المثال:
        • Total Interest Paid: $86,537.13
        • Total Payments: $236,537.13

لماذا تعتبر الآلة الحاسبة التفاعلية مفيدة:

This spreadsheet provides a clear and organized way to track the amortization of loans with fixed payments. It helps users see how each payment impacts the principal and interest, and how the loan balance decreases over time. This understanding can help users manage their loans more effectively and make informed financial decisions.

 

مصدر: جدول بيانات مخصص

خاتمة:

The Fixed Payment Amortization Schedule is an essential tool for managing and understanding the repayment of loans with fixed payments. It provides a comprehensive view of how each payment affects the loan balance and the distribution between interest and principal. Regular updates and reviews of this schedule can help users stay on track with their loan payments and make informed decisions about their financial strategy.

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