Excel 모델: 고정 지불 상환 일정

제목: Fixed Payment Amortization Schedule

 설명:

 

This spreadsheet is used to create an amortization schedule for loans with fixed payments. It provides a detailed breakdown of each payment, including how much goes toward interest and principal, and tracks the remaining balance over time.

 

  • Loan Details: Enter loan amount, annual interest rate, loan term, and payment frequency.
  • 상환 일정: A detailed table showing each payment date, payment amount, principal portion, interest portion, and remaining balance.
  • 요약: Provides an overview of total interest paid, total payments, and loan payoff details.

 

조언/팁:
  • Loan Details:
    • Ensure accurate entry of loan amount, interest rate, and loan term to generate a correct amortization schedule.
    • Update payment frequency if needed to match the actual payment schedule.

  • 상환 일정:
    • Review each row to understand how payments are split between interest and principal.
    • Regularly check the remaining balance to monitor progress toward loan payoff.

  • 요약:
    • Use the summary to review total interest and payments to understand the overall cost of the loan.
    • Use this information to make informed decisions about refinancing or extra 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.

계산기 사용 예:

스프레드시트 사용의 자세한 예: 사용자가 완료해야 할 작업:

 

  1. Loan Details Section:
    • Enter the loan amount, annual interest rate, loan term, and payment frequency.
      • Example values: Loan Amount – $150,000, Annual Interest Rate – 5.00%, Loan Term – 30 years, Payment Frequency – Monthly.

  2. 상환 일정:
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • 예시 값:
        • Payment Date: 1/1/2023, Payment Amount: $805.23, Principal Portion: $220.23, Interest Portion: $585.00, Remaining Balance: $149,779.77.
        • Payment Date: 2/1/2023, Payment Amount: $805.23, Principal Portion: $221.02, Interest Portion: $584.21, Remaining Balance: $149,558.75.

  3. 요약:
    • Review total interest paid, total payments, and loan payoff details.
      • 예시 값:
        • Total Interest Paid: $86,537.13
        • Total Payments: $236,537.13

대화형 계산기가 유용한 이유:

This spreadsheet provides a clear and organized way to track the amortization of loans with fixed payments. It helps users see how each payment impacts the principal and interest, and how the loan balance decreases over time. This understanding can help users manage their loans more effectively and make informed financial decisions.

 

원천: 사용자 정의 스프레드시트

결론:

The Fixed Payment Amortization Schedule is an essential tool for managing and understanding the repayment of loans with fixed payments. It provides a comprehensive view of how each payment affects the loan balance and the distribution between interest and principal. Regular updates and reviews of this schedule can help users stay on track with their loan payments and make informed decisions about their financial strategy.

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