نموذج Excel: جدول استهلاك الرهن العقاري

عنوان: Mortgage Amortization Schedule

 وصف:

 

This spreadsheet is designed to help homeowners track and manage their mortgage payments over the life of the loan. It includes sections for loan details, a detailed payment schedule, and a summary of the loan’s progress.

 

  • Loan Details: Enter key information about the loan, such as loan amount, interest rate, loan term, start date, and monthly payment amount.
  • جدول الاستهلاك: A comprehensive table that breaks down each payment into principal and interest components and tracks the remaining loan balance over time.
  • ملخص: Provides an overview of total payments, total interest paid, and remaining balance.

 

نصائح/إرشادات:
  • Loan Details:
    • Ensure all loan details are entered accurately to generate a correct amortization schedule.
    • Regularly update the details if there are any changes in loan terms or interest rates.

  • جدول الاستهلاك:
    • Review each row to see how much of each payment goes toward principal and interest.
    • Use this schedule to plan for future payments and understand the impact of extra payments.

  • ملخص:
    • Use the summary to monitor the overall progress of the loan.
    • Keep an eye on the total interest paid to assess the cost of the loan over its term.

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, interest rate, loan term, start date, and monthly payment amount.
      • Example values: Loan Amount – $350,000, Interest Rate – 1%, Loan Term – 2 Years, Start Date – March 14, 2024, Monthly Payment – $12,500.

  2. جدول الاستهلاك:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • قيم المثال:
        • Payment Date: 14-Mar-2024, Payment Amount: $12,500, Principal Portion: $12,500, Interest Portion: $350,000, Remaining Balance: $337,500.
        • Payment Date: 14-Apr-2024, Payment Amount: $12,500, Principal Portion: $29,166.67, Interest Portion: $337,500, Remaining Balance: $325,000.

  3. ملخص:
    • Review total interest paid, total payments, and remaining balance.
      • قيم المثال:
        • Total Payments: $350,000
        • Total Interest Paid: $87,500
        • Remaining Balance: $0

لماذا تعتبر الآلة الحاسبة التفاعلية مفيدة:

This spreadsheet provides a clear and organized way to track mortgage payments, helping homeowners stay on top of their loan. It helps users see how each payment affects the loan balance and interest over time, making it easier to plan finances and potentially save money by making extra payments.

 

مصدر: جدول بيانات مخصص

خاتمة:

The Mortgage Amortization Schedule is an essential tool for managing and understanding mortgage payments. 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 strategy. Regular updates and reviews ensure that the mortgage strategy remains aligned with financial goals and avoids unnecessary costs.

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