एक्सेल मॉडल: प्रारंभिक बंधक भुगतान कैलकुलेटर

शीर्षक: Early Mortgage Payoff Calculator

 विवरण:

 

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.

 

  • ऋण जानकारी: 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.

 

सलाह/सुझाव:
  • ऋण जानकारी:
    • 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.

स्रोत: कस्टम कैलकुलेटर

पूर्ण कार्यपुस्तिका व्यूअर को एक नए टैब में खोलने के लिए निम्नलिखित आइकन पर क्लिक करें, जिससे आप आसानी से संपादन और सहेज सकेंगे।

स्प्रेडशीट डाउनलोड करने के लिए निम्नलिखित आइकन पर क्लिक करें, जिससे आप संपादन के साथ फ़ाइल को अपने कंप्यूटर पर सहेज सकेंगे।

कैलकुलेटर का उपयोग करने का उदाहरण:

स्प्रेडशीट के उपयोग का विस्तृत उदाहरण: उपयोगकर्ता को पूरा करने हेतु कार्य:

 

  1. ऋण सूचना अनुभाग:
    • 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.
      • उदाहरण मान:
        • 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.
      • उदाहरण मान:
        • Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86

इंटरैक्टिव कैलकुलेटर क्यों उपयोगी है:

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.

 

स्रोत: कस्टम स्प्रेडशीट

निष्कर्ष:

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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