Excel 模型：比较抵押贷款利率计算器

标题： Compare Mortgage Rates Calculator

 描述：

 

This spreadsheet helps users compare different mortgage options by calculating the payments and financial implications of each mortgage rate. It includes sections for entering loan details, calculating loan summaries, and a payment schedule.

 

  • Loan Details: Enter loan amount, interest rate, loan term, and payment frequency.
  • Loan Summary: Summarizes total payments, payment per period, and interest cost.
  • Payment Schedule: Breakdown of each payment, including date, payment amount, interest, principal, and remaining loan balance.

 

建议/提示：
  • Loan Details:
    • Ensure all loan details are accurately entered before proceeding with calculations.
    • Regularly update the details to reflect the latest interest rates and loan terms.

  • Loan Summary:
    • Review the summary to understand the overall cost of each mortgage option.
    • Use the summary to compare the total payments and interest costs for different mortgage rates.

  • Payment Schedule:
    • Review the payment 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：

 

  1. Loan Details Section:
    • Enter the loan amount, interest rate, loan term, and payment frequency.
      • Example values: Loan Amount – $100,000, Annual Interest Rate – 9%, Loan Term – 35 years, Payment Frequency – Monthly.

  2. Loan Summary:
    • Review the total payments, payment per period, and interest cost.
      • 示例值：
        • Total Payments: $329,277.05
        • Payment Per Period: $783.99
        • Interest Cost: $229,277.05

  3. Payment Schedule:
    • Review the payment schedule, including date, payment amount, interest, principal, and remaining loan balance.
      • 示例值：
        • Date: 1/1/2023, Payment Amount: $783.99, Interest: $750.00, Principal: $33.99, Remaining Loan Balance: $100,000.00
        • Date: 2/1/2023, Payment Amount: $783.99, Interest: $749.75, Principal: $34.25, Remaining Loan Balance: $99,966.01

交互式计算器为何有用：

This spreadsheet consolidates all information related to comparing mortgage rates in one place, making it easier to evaluate different mortgage options. By providing a clear view of loan details, payment summaries, and payment schedules, it helps users make informed decisions about their mortgage strategy.

 

来源： 自定义电子表格

结论：

The Compare Mortgage Rates Calculator is an invaluable tool for evaluating and comparing different mortgage options. 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 strategy. Regular updates and reviews ensure that the mortgage strategy remains aligned with changing financial conditions and goals.

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