Excel 모델: 모기지 금리 비교 계산기

제목: Compare Mortgage Rates Calculator

 설명:

 

This spreadsheet helps users compare different mortgage options by calculating the payments and financial implications of each mortgage rate. It includes sections for entering loan details, calculating loan summaries, and a payment schedule.

 

  • Loan Details: Enter loan amount, interest rate, loan term, and payment frequency.
  • Loan Summary: Summarizes total payments, payment per period, and interest cost.
  • Payment Schedule: Breakdown of each payment, including date, payment amount, interest, principal, and remaining loan balance.

 

조언/팁:
  • Loan Details:
    • Ensure all loan details are accurately entered before proceeding with calculations.
    • Regularly update the details to reflect the latest interest rates and loan terms.

  • Loan Summary:
    • Review the summary to understand the overall cost of each mortgage option.
    • Use the summary to compare the total payments and interest costs for different mortgage rates.

  • Payment Schedule:
    • Review the payment 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. Loan Details Section:
    • Enter the loan amount, interest rate, loan term, and payment frequency.
      • Example values: Loan Amount – $100,000, Annual Interest Rate – 9%, Loan Term – 35 years, Payment Frequency – Monthly.

  2. Loan Summary:
    • Review the total payments, payment per period, and interest cost.
      • 예시 값:
        • Total Payments: $329,277.05
        • Payment Per Period: $783.99
        • Interest Cost: $229,277.05

  3. Payment Schedule:
    • Review the payment schedule, including date, payment amount, interest, principal, and remaining loan balance.
      • 예시 값:
        • Date: 1/1/2023, Payment Amount: $783.99, Interest: $750.00, Principal: $33.99, Remaining Loan Balance: $100,000.00
        • Date: 2/1/2023, Payment Amount: $783.99, Interest: $749.75, Principal: $34.25, Remaining Loan Balance: $99,966.01

대화형 계산기가 유용한 이유:

This spreadsheet consolidates all information related to comparing mortgage rates in one place, making it easier to evaluate different mortgage options. By providing a clear view of loan details, payment summaries, and payment schedules, it helps users make informed decisions about their mortgage strategy.

 

원천: 사용자 정의 스프레드시트

결론:

The Compare Mortgage Rates Calculator is an invaluable tool for evaluating and comparing different mortgage options. By providing a detailed and organized approach to recording and analyzing mortgage data, it helps users achieve financial stability and make informed decisions about their mortgage strategy. Regular updates and reviews ensure that the mortgage strategy remains aligned with changing financial conditions and goals.

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