Μοντέλο Excel: Αριθμομηχανή με ρυθμιζόμενο επιτόκιο στεγαστικών δανείων (ARM).
Τίτλος: Adjustable Rate Mortgage (ARM) Calculator
Περιγραφή:
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.
- Πληροφορίες δανείου: 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.
- Χρονοδιάγραμμα αποσβέσεων: Breakdown of each payment, including payment date, interest rate, payment due, interest, principal, balance, and cumulative totals.
- Πληροφορίες δανείου:
- 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.
- Χρονοδιάγραμμα αποσβέσεων:
- 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.
Πηγή: Προσαρμοσμένη Αριθμομηχανή

Κάντε κλικ στο παρακάτω εικονίδιο για να ανοίξετε το πλήρες πρόγραμμα προβολής βιβλίου εργασίας σε μια νέα καρτέλα, επιτρέποντάς σας να επεξεργάζεστε και να αποθηκεύετε εύκολα.

Κάντε κλικ στο παρακάτω εικονίδιο για να κάνετε λήψη του υπολογιστικού φύλλου, επιτρέποντάς σας να αποθηκεύσετε το αρχείο στον υπολογιστή σας μαζί με τροποποιήσεις.
Λεπτομερές παράδειγμα χρήσης υπολογιστικού φύλλου: Εργασίες που πρέπει να ολοκληρώσει ο χρήστης:
- Ενότητα πληροφοριών δανείου:
- 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.
- Example values: Loan Amount – $1,000,000, Term – 10 years, Starting Interest Rate – 6%, First Payment Date – 1/1/2019.
- Enter the loan amount, term, and starting interest rate.
- 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%.
- Example values: Rate Remains Fixed for – 5 years, Months Between Adjustments – 24, Expected Adjustment – 0.25%, Interest Rate Cap – 12.00%.
- Enter details about rate adjustment periods and expected adjustments.
- Χρονοδιάγραμμα αποσβέσεων:
- Review the payment schedule, including payment dates, interest rates, and payment amounts.
- Παραδείγματα τιμών:
- 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.
- 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.
- Παραδείγματα τιμών:
- Review the payment schedule, including payment dates, interest rates, and payment amounts.
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.
Πηγή: Προσαρμοσμένο υπολογιστικό φύλλο
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