Excel 模型：可调利率抵押贷款 (ARM) 计算器
标题： Adjustable Rate Mortgage (ARM) Calculator
描述：
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.
- 贷款信息： 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.
- 摊销计划： Breakdown of each payment, including payment date, interest rate, payment due, interest, principal, balance, and cumulative totals.
建议/提示：
- 贷款信息：
- 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.
- 摊销计划：
- 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.
来源： 自定义计算器
单击以下图标可在新选项卡中打开完整的工作簿查看器，让您轻松编辑和保存。
单击以下图标下载电子表格，您可以将文件与编辑内容一起保存在计算机上。
使用计算器的示例：
使用电子表格的详细示例： 用户需要完成的任务：
- 贷款信息部分：
- 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.
- Example values: Loan Amount – $1,000,000, Term – 10 years, Starting Interest Rate – 6%, First Payment Date – 1/1/2019.
- Enter the loan amount, term, and starting interest rate.
- 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%.
- Example values: Rate Remains Fixed for – 5 years, Months Between Adjustments – 24, Expected Adjustment – 0.25%, Interest Rate Cap – 12.00%.
- Enter details about rate adjustment periods and expected adjustments.
- 摊销计划：
- Review the payment schedule, including payment dates, interest rates, and payment amounts.
- 示例值：
- 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.
- 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.
- 示例值：
- Review the payment schedule, including payment dates, interest rates, and payment amounts.
交互式计算器为何有用：
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.
来源： 自定义电子表格
结论：
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