Excel 모델: 조기 모기지 상환 계산기
제목: Early Mortgage Payoff Calculator
설명:
This spreadsheet helps users calculate the benefits of making extra payments on their mortgage to pay it off early. It includes sections for loan information, a summary of loan payments with and without extra payments, and a detailed payment schedule.
- 대출 정보: Enter details such as loan amount, annual interest rate, term of the loan, and extra monthly payment.
- Loan Summary: Compare monthly payment, number of payments, total payments, total interest, and interest savings with and without extra payments.
- Payment Schedule: Track monthly payments, including breakdowns of principal and interest, cumulative totals, and remaining balance.
- 대출 정보:
- Ensure all loan details are accurately entered before proceeding with calculations.
- Regularly update the extra monthly payment to reflect any changes.
- Loan Summary:
- Review the summary to understand the overall impact of extra payments on your mortgage.
- Use the summary to make informed decisions about how much extra to pay each month.
- Payment Schedule:
- Review the payment schedule to track progress and understand the distribution of interest and principal payments over time.
- Use the schedule to plan for potential changes in monthly payments.
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.
스프레드시트 사용의 자세한 예: 사용자가 완료해야 할 작업:
- 대출 정보 섹션:
- Enter the loan amount, annual interest rate, term of the loan, and extra monthly payment.
- Example values: Loan Amount – $250,000, Annual Interest Rate – 6.00%, Term of Loan – 30 years, Extra Monthly Payment – $500.
- Example values: Loan Amount – $250,000, Annual Interest Rate – 6.00%, Term of Loan – 30 years, Extra Monthly Payment – $500.
- Enter the loan amount, annual interest rate, term of the loan, and extra monthly payment.
- Loan Summary:
- Review the total payments, number of payments, total interest, and interest savings with and without extra payments.
- 예시 값:
- Monthly Payment: With Extra Payments – $4,152.14, Without Extra Payments – $3,652.14
- Total Interest: With Extra Payments – $48,183.50, Without Extra Payments – $56,779.64
- Interest Savings: $8,596.14
- 예시 값:
- Review the total payments, number of payments, total interest, and interest savings with and without extra payments.
- Payment Schedule:
- Review the payment schedule, including breakdowns of principal and interest, cumulative totals, and remaining balance.
- 예시 값:
- Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86
- Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86
- 예시 값:
- Review the payment schedule, including breakdowns of principal and interest, cumulative totals, and remaining balance.
This spreadsheet consolidates all information related to early mortgage payoff in one place, making it easier to evaluate the benefits of making extra payments. By providing a clear view of loan details, payment summaries, and schedules, it helps users make informed decisions about their mortgage strategy.
원천: 사용자 정의 스프레드시트
The Early Mortgage Payoff Calculator is an invaluable tool for managing and understanding the financial implications of making extra payments on a mortgage. 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 payments. Regular updates and reviews ensure that the mortgage strategy remains aligned with changing financial conditions and goals.
KO 
EN 
PT 
SW 
ML 
AR 
ZH 
ES 
EL 
ES_ES 
FR 
HI 
IT 
JA 
PT_PT 
PL 
DE 
LT 
UK 
KA 
DE_AT 
NB 
NN