Μοντέλο Excel: Πρόγραμμα απόσβεσης οικίας

Τίτλος: Home 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, and start date.
  • Χρονοδιάγραμμα αποσβέσεων: A comprehensive table that breaks down each payment into principal and interest components and tracks the remaining loan balance over time.
  • Περίληψη: 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, and start date.
      • Example values: Loan Amount – $600,000, Interest Rate – 5%, Loan Term – 200 months, Start Date – February 8, 2023.

  2. Χρονοδιάγραμμα αποσβέσεων:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • Παραδείγματα τιμών:
        • Payment Date: February 2023, Beginning Balance: $600,000, Monthly Payment: $10,000, Principal Payment: $7,500, Interest Payment: $2,500, Ending Balance: $592,500.
        • Payment Date: March 2023, Beginning Balance: $592,500, Monthly Payment: $10,000, Principal Payment: $7,531.25, Interest Payment: $2,468.75, Ending Balance: $584,968.75.

  3. Περίληψη:
    • Review total interest paid, total payments, and remaining balance.
      • Παραδείγματα τιμών:
        • Total Payments: $2,000,000
        • Total Interest Paid: $400,000
        • Remaining Balance: $584,968.75

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 Home Amortization Schedule is an essential tool for homeowners to manage and understand their mortgage payments. It provides a comprehensive view of how each payment impacts the loan balance and the distribution between interest and principal. Regular updates and reviews of this schedule can help homeowners stay on track with their payments and make informed decisions about their financial strategy.

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