Excel 模型：财务利率影响计算器
标题： 财务利率影响计算器
描述：
This spreadsheet is designed to analyze the impact of varying interest rates on loans and investments. It includes sections for setting up the calculation parameters, recording loan details, and summarizing the impact of interest rate changes.
- 设置： Initial configuration of the spreadsheet to define frequency and periods per year.
- 贷款日志： Detailed recording of each loan’s ID, borrower name, loan date, amount, interest rate, years to pay, frequency, number of periods, and number of payments made.
- Interest Rate Impact Summary: A summary view of how different interest rates affect total payments and overall loan costs.
- 设置：
- Ensure all initial configurations are correct before inputting data.
- Regularly update the frequency and periods per year as needed.
- 贷款日志：
- Accurately record each loan’s details to ensure precise impact analysis.
- Review loan details regularly to maintain accuracy.
- Interest Rate Impact Summary:
- Monitor the summary to understand the impact of interest rate changes on total payments.
- Use the summary to make informed decisions about loan management and refinancing options.
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。
使用电子表格的详细示例： 用户需要完成的任务：
- 设置部分：
- Define the frequency and periods per year.
- Example values: Frequency – Monthly, Periods Per Year – 12.
- Example values: Frequency – Monthly, Periods Per Year – 12.
- Define the frequency and periods per year.
- 贷款日志：
- Enter details for each loan, including loan ID, borrower name, loan date, amount, interest rate, years to pay, frequency, number of periods, and number of payments made.
- 示例值：
- Loan ID: LID-001, Borrower Name: John Doe, Loan Date: 4-Jan-2024, Loan Amount: $50,000, Interest Rate: 10%, Years to Pay: 3, Frequency: Annual, Number of Periods: 3, Number of Payments Made: 3.
- Loan ID: LID-001, Borrower Name: John Doe, Loan Date: 4-Jan-2024, Loan Amount: $50,000, Interest Rate: 10%, Years to Pay: 3, Frequency: Annual, Number of Periods: 3, Number of Payments Made: 3.
- 示例值：
- Enter details for each loan, including loan ID, borrower name, loan date, amount, interest rate, years to pay, frequency, number of periods, and number of payments made.
- Interest Rate Impact Summary:
- Review the summary of total payments and overall loan costs at different interest rates.
- 示例值：
- Total Payments: $16,279.38 at 10%, $20,125.72 at 15%, $21,605.92 at 20%.
- Total Payments: $16,279.38 at 10%, $20,125.72 at 15%, $21,605.92 at 20%.
- 示例值：
- Review the summary of total payments and overall loan costs at different interest rates.
This spreadsheet consolidates all information related to interest rate impacts in one place, making it easier to monitor and analyze the effects of interest rate changes on loans. By providing a clear view of loan details and impact summaries, it helps users make informed decisions to optimize their loan management strategy.
来源： 自定义电子表格
The Finance Interest Rate Impact Calculator is an invaluable tool for analyzing and understanding the financial implications of interest rate changes on loans. By providing a detailed and organized approach to recording and analyzing loan data, it helps users achieve financial stability and make informed decisions about their loan management strategy. Regular updates and reviews ensure that the strategy remains aligned with changing financial conditions and goals.
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