Μοντέλο Excel: Χρονοδιάγραμμα απόσβεσης στεγαστικών δανείων

Τίτλος: Mortgage Amortization Schedule

 Περιγραφή:

 

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.
  • Χρονοδιάγραμμα αποσβέσεων: A comprehensive table that breaks down each payment into principal and interest components and tracks the remaining loan balance over time.
  • Περίληψη: Provides an overview of total payments, total interest paid, and remaining balance.

 

Συμβουλές/Συμβουλές:
  • 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.

  • Χρονοδιάγραμμα αποσβέσεων:
    • 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.

  • Περίληψη:
    • 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.

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, 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. Χρονοδιάγραμμα αποσβέσεων:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • Παραδείγματα τιμών:
        • 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. Περίληψη:
    • Review total interest paid, total payments, and remaining balance.
      • Παραδείγματα τιμών:
        • Total Payments: $350,000
        • Total Interest Paid: $87,500
        • Remaining Balance: $0

Γιατί είναι χρήσιμη η διαδραστική αριθμομηχανή:

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.

 

Πηγή: Προσαρμοσμένο υπολογιστικό φύλλο

Συμπέρασμα:

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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