एक्सेल मॉडल: होम अमॉर्टाइजेशन शेड्यूल

शीर्षक: Home Amortization Schedule

 विवरण:

 

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.
  • ऋणमुक्ति शेड्युल: A comprehensive table that breaks down each payment into principal and interest components and tracks the remaining loan balance over time.
  • सारांश: An overview of total payments, total interest paid, and remaining balance.

 

सलाह/सुझाव:
  • 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.

  • ऋणमुक्ति शेड्युल:
    • 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.

  • सारांश:
    • 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.

 

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, 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. ऋणमुक्ति शेड्युल:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • उदाहरण मान:
        • 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. सारांश:
    • Review total interest paid, total payments, and remaining balance.
      • उदाहरण मान:
        • Total Payments: $2,000,000
        • Total Interest Paid: $400,000
        • Remaining Balance: $584,968.75

इंटरैक्टिव कैलकुलेटर क्यों उपयोगी है:

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.

 

स्रोत: कस्टम स्प्रेडशीट

निष्कर्ष:

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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