एक्सेल मॉडल: निश्चित भुगतान परिशोधन अनुसूची

शीर्षक: Fixed Payment Amortization Schedule

 विवरण:

 

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

 

सलाह/सुझाव:
  • 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.

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

  • सारांश:
    • 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.

 

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. 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. ऋणमुक्ति शेड्युल:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • उदाहरण मान:
        • 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. सारांश:
    • Review total interest paid, total payments, and loan payoff details.
      • उदाहरण मान:
        • Total Interest Paid: $86,537.13
        • Total Payments: $236,537.13

इंटरैक्टिव कैलकुलेटर क्यों उपयोगी है:

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.

 

स्रोत: कस्टम स्प्रेडशीट

निष्कर्ष:

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.

पिछला Lesson
Course पर वापस जाएँ
अगला Lesson

एक टिप्पणी छोड़ें