Excel 모델: 조정 가능 금리 모기지(ARM) 계산기

제목: Adjustable Rate Mortgage (ARM) Calculator

 설명:

 

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.

 

  • 대출 정보: 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.
  • 상환 일정: Breakdown of each payment, including payment date, interest rate, payment due, interest, principal, balance, and cumulative totals.

 

조언/팁:
  • 대출 정보:
    • 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.

  • 상환 일정:
    • 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.

 

원천: 사용자 정의 계산기

다음 아이콘을 클릭하면 새 탭에서 전체 통합 문서 뷰어가 열려 쉽게 편집하고 저장할 수 있습니다.

다음 아이콘을 클릭하면 스프레드시트를 다운로드할 수 있으며, 편집한 내용을 컴퓨터에 저장할 수 있습니다.

계산기 사용 예:

스프레드시트 사용의 자세한 예: 사용자가 완료해야 할 작업:

 

  1. 대출 정보 섹션:
    • 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. 상환 일정:
    • Review the payment schedule, including payment dates, interest rates, and payment amounts.
      • 예시 값:
        • 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.

대화형 계산기가 유용한 이유:

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.

 

원천: 사용자 정의 스프레드시트

결론:

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