Excel モデル: 変動金利住宅ローン (ARM) 計算機

タイトル： Adjustable Rate Mortgage (ARM) Calculator

 説明：

 

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.

 

  • ローン情報: 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.
  • 償却スケジュール: Breakdown of each payment, including payment date, interest rate, payment due, interest, principal, balance, and cumulative totals.

 

アドバイス/ヒント:
  • ローン情報:
    • 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.

  • 償却スケジュール:
    • 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.

 

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. ローン情報セクション:
    • 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. 償却スケジュール:
    • Review the payment schedule, including payment dates, interest rates, and payment amounts.
      • 例の値:
        • 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.

インタラクティブ計算機が便利な理由:

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.

 

ソース： カスタムスプレッドシート

結論：

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