Excel-Modell: Rechner für die Auswirkungen von Finanzzinsen
Title: Finance Interest Rate Impact Calculator
Beschreibung:
This spreadsheet is designed to analyze the impact of varying interest rates on loans and investments. It includes sections for setting up the calculation parameters, recording loan details, and summarizing the impact of interest rate changes.
- Setup: Initial configuration of the spreadsheet to define frequency and periods per year.
- Loan Log: Detailed recording of each loan’s ID, borrower name, loan date, amount, interest rate, years to pay, frequency, number of periods, and number of payments made.
- Interest Rate Impact Summary: A summary view of how different interest rates affect total payments and overall loan costs.
- Setup:
- Ensure all initial configurations are correct before inputting data.
- Regularly update the frequency and periods per year as needed.
- Loan Log:
- Accurately record each loan’s details to ensure precise impact analysis.
- Review loan details regularly to maintain accuracy.
- Interest Rate Impact Summary:
- Monitor the summary to understand the impact of interest rate changes on total payments.
- Use the summary to make informed decisions about loan management and refinancing options.
Quelle: Custom Calculator
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Click the following icon to download the spreadsheet, allowing you to save the file on your computer along with edits.
Detailed example of using Spreadsheet: Tasks for user to complete:
- Setup Section:
- Define the frequency and periods per year.
- Example values: Frequency – Monthly, Periods Per Year – 12.
- Example values: Frequency – Monthly, Periods Per Year – 12.
- Define the frequency and periods per year.
- Loan Log:
- Enter details for each loan, including loan ID, borrower name, loan date, amount, interest rate, years to pay, frequency, number of periods, and number of payments made.
- Example values:
- Loan ID: LID-001, Borrower Name: John Doe, Loan Date: 4-Jan-2024, Loan Amount: $50,000, Interest Rate: 10%, Years to Pay: 3, Frequency: Annual, Number of Periods: 3, Number of Payments Made: 3.
- Loan ID: LID-001, Borrower Name: John Doe, Loan Date: 4-Jan-2024, Loan Amount: $50,000, Interest Rate: 10%, Years to Pay: 3, Frequency: Annual, Number of Periods: 3, Number of Payments Made: 3.
- Example values:
- Enter details for each loan, including loan ID, borrower name, loan date, amount, interest rate, years to pay, frequency, number of periods, and number of payments made.
- Interest Rate Impact Summary:
- Review the summary of total payments and overall loan costs at different interest rates.
- Example values:
- Total Payments: $16,279.38 at 10%, $20,125.72 at 15%, $21,605.92 at 20%.
- Total Payments: $16,279.38 at 10%, $20,125.72 at 15%, $21,605.92 at 20%.
- Example values:
- Review the summary of total payments and overall loan costs at different interest rates.
This spreadsheet consolidates all information related to interest rate impacts in one place, making it easier to monitor and analyze the effects of interest rate changes on loans. By providing a clear view of loan details and impact summaries, it helps users make informed decisions to optimize their loan management strategy.
Quelle: Custom Spreadsheet
The Finance Interest Rate Impact Calculator is an invaluable tool for analyzing and understanding the financial implications of interest rate changes on loans. By providing a detailed and organized approach to recording and analyzing loan data, it helps users achieve financial stability and make informed decisions about their loan management strategy. Regular updates and reviews ensure that the strategy remains aligned with changing financial conditions and goals.
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