एक्सेल मॉडल: एडजस्टेबल रेट मॉर्गेज (ARM) कैलकुलेटर

शीर्षक: Adjustable Rate Mortgage (ARM) Calculator

 विवरण:

 

This spreadsheet is designed to help users calculate the payments and financial implications of an adjustable-rate mortgage. It includes sections for loan information, rate adjustments, and an amortization schedule.

 

  • ऋण जानकारी: Details of the loan, including loan amount, term, starting interest rate, and first payment date.
  • Rate Adjustments: Information about the rate adjustment periods, expected adjustments, and interest rate caps.
  • ऋणमुक्ति शेड्युल: Breakdown of each payment, including payment date, interest rate, payment due, interest, principal, balance, and cumulative totals.

 

सलाह/सुझाव:
  • ऋण जानकारी:
    • Ensure all loan details are accurately entered before proceeding with calculations.
    • Regularly review and update loan details as necessary.

  • Rate Adjustments:
    • Monitor the rate adjustment periods and expected changes in interest rates.
    • Be aware of the interest rate cap to understand the maximum possible rate.

  • ऋणमुक्ति शेड्युल:
    • Review the amortization schedule to understand the distribution of interest and principal payments.
    • Use the schedule to plan for potential changes in monthly payments over time.

 

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, term, and starting interest rate.
      • Example values: Loan Amount – $1,000,000, Term – 10 years, Starting Interest Rate – 6%, First Payment Date – 1/1/2019.

  2. Rate Adjustments:
    • Enter details about rate adjustment periods and expected adjustments.
      • Example values: Rate Remains Fixed for – 5 years, Months Between Adjustments – 24, Expected Adjustment – 0.25%, Interest Rate Cap – 12.00%.

  3. ऋणमुक्ति शेड्युल:
    • Review the payment schedule, including payment dates, interest rates, and payment amounts.
      • उदाहरण मान:
        • Payment Date: 01/01/19, Interest Rate: 6.00%, Payment Due: $11,102.05, Interest: $5,000, Principal: $6,102.05, Balance: $993,897.95.

इंटरैक्टिव कैलकुलेटर क्यों उपयोगी है:

This spreadsheet consolidates all information related to an adjustable-rate mortgage in one place, making it easier to monitor and calculate mortgage payments. By providing a clear view of loan details, rate adjustments, and payment schedules, it helps users make informed decisions about their mortgage strategy.

 

स्रोत: कस्टम स्प्रेडशीट

निष्कर्ष:

Lorem

पिछला Lesson
Course पर वापस जाएँ
अगला Lesson

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