Excel 모델: 주택 상환 일정
제목: Home Amortization Schedule
설명:
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.
- 상환 일정: A comprehensive table that breaks down each payment into principal and interest components and tracks the remaining loan balance over time.
- 요약: An overview of total payments, total interest paid, and remaining balance.
- 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.
- 상환 일정:
- 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.
- 요약:
- 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.
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:
- 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.
- Example values: Loan Amount – $600,000, Interest Rate – 5%, Loan Term – 200 months, Start Date – February 8, 2023.
- Enter the loan amount, interest rate, loan term, and start date.
- 상환 일정:
- Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
- 예시 값:
- 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.
- 예시 값:
- Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
- 요약:
- Review total interest paid, total payments, and remaining balance.
- 예시 값:
- Total Payments: $2,000,000
- Total Interest Paid: $400,000
- Remaining Balance: $584,968.75
- 예시 값:
- Review total interest paid, total payments, and remaining balance.
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.
원천: 사용자 정의 스프레드시트
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.