Μοντέλο Excel: Υπολογιστής πρόωρης αποπληρωμής στεγαστικού δανείου

Τίτλος: Early Mortgage Payoff Calculator

 Περιγραφή:

 

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.

 

  • Πληροφορίες δανείου: 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.

 

Συμβουλές/Συμβουλές:
  • Πληροφορίες δανείου:
    • 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.

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.

Παράδειγμα χρήσης αριθμομηχανής:

Λεπτομερές παράδειγμα χρήσης υπολογιστικού φύλλου: Εργασίες που πρέπει να ολοκληρώσει ο χρήστης:

 

  1. Ενότητα πληροφοριών δανείου:
    • 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.
      • Παραδείγματα τιμών:
        • 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.
      • Παραδείγματα τιμών:
        • Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86

Γιατί είναι χρήσιμη η διαδραστική αριθμομηχανή:

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.

 

Πηγή: Προσαρμοσμένο υπολογιστικό φύλλο

Συμπέρασμα:

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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