Excel 模型：可调利率抵押贷款 (ARM) 计算器

 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.