Excel モデル: 住宅償却スケジュール

タイトル： Home Amortization Schedule

 説明：

 

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.
  • 償却スケジュール: A comprehensive table that breaks down each payment into principal and interest components and tracks the remaining loan balance over time.
  • まとめ： An overview of total payments, total interest paid, and remaining balance.

 

アドバイス/ヒント:
  • 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.

  • 償却スケジュール:
    • 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.

  • まとめ：
    • 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.

 

ソース： カスタム計算機

次のアイコンをクリックすると、新しいタブで完全なワークブック ビューアーが開き、簡単に編集して保存できるようになります。

次のアイコンをクリックするとスプレッドシートがダウンロードされ、編集内容とともにファイルをコンピューターに保存できます。

計算機の使用例:

スプレッドシートの使用の詳細な例: ユーザーが完了するタスク:

 

  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. 償却スケジュール:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • 例の値:
        • 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. まとめ：
    • Review total interest paid, total payments, and remaining balance.
      • 例の値:
        • Total Payments: $2,000,000
        • Total Interest Paid: $400,000
        • Remaining Balance: $584,968.75

インタラクティブ計算機が便利な理由:

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.

 

ソース： カスタムスプレッドシート

結論：

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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