Μοντέλο Excel: Πρόγραμμα απόσβεσης σταθερών πληρωμών

Τίτλος: Fixed Payment Amortization Schedule

 Περιγραφή:

 

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.
  • Χρονοδιάγραμμα αποσβέσεων: A detailed table showing each payment date, payment amount, principal portion, interest portion, and remaining balance.
  • Περίληψη: Provides an overview of total interest paid, total payments, and loan payoff details.

 

Συμβουλές/Συμβουλές:
  • 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.

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

  • Περίληψη:
    • 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.

 

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. 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. Χρονοδιάγραμμα αποσβέσεων:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • Παραδείγματα τιμών:
        • 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. Περίληψη:
    • Review total interest paid, total payments, and loan payoff details.
      • Παραδείγματα τιμών:
        • Total Interest Paid: $86,537.13
        • Total Payments: $236,537.13

Γιατί είναι χρήσιμη η διαδραστική αριθμομηχανή:

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.

 

Πηγή: Προσαρμοσμένο υπολογιστικό φύλλο

Συμπέρασμα:

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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