Excel 模型：抵押贷款摊销计划

标题： Mortgage Amortization Schedule

 描述：

 

This spreadsheet is designed to help homeowners track and manage their mortgage payments over the life of the loan. It includes sections for loan details, a detailed payment schedule, and a summary of the loan’s progress.

 

  • Loan Details: Enter key information about the loan, such as loan amount, interest rate, loan term, start date, and monthly payment amount.
  • 摊销计划： A comprehensive table that breaks down each payment into principal and interest components and tracks the remaining loan balance over time.
  • 概括： Provides an overview of total payments, total interest paid, and remaining balance.

 

建议/提示：
  • Loan Details:
    • Ensure all loan details are entered accurately to generate a correct amortization schedule.
    • Regularly update the details if there are any changes in loan terms or interest rates.

  • 摊销计划：
    • Review each row to see how much of each payment goes toward principal and interest.
    • Use this schedule to plan for future payments and understand the impact of extra payments.

  • 概括：
    • Use the summary to monitor the overall progress of the loan.
    • Keep an eye on the total interest paid to assess the cost of the loan over its term.

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, start date, and monthly payment amount.
      • Example values: Loan Amount – $350,000, Interest Rate – 1%, Loan Term – 2 Years, Start Date – March 14, 2024, Monthly Payment – $12,500.

  2. 摊销计划：
    • Review the schedule for each payment date, including payment amount, principal portion, interest portion, and remaining balance.
      • 示例值：
        • Payment Date: 14-Mar-2024, Payment Amount: $12,500, Principal Portion: $12,500, Interest Portion: $350,000, Remaining Balance: $337,500.
        • Payment Date: 14-Apr-2024, Payment Amount: $12,500, Principal Portion: $29,166.67, Interest Portion: $337,500, Remaining Balance: $325,000.

  3. 概括：
    • Review total interest paid, total payments, and remaining balance.
      • 示例值：
        • Total Payments: $350,000
        • Total Interest Paid: $87,500
        • Remaining Balance: $0

交互式计算器为何有用：

This spreadsheet provides a clear and organized way to track mortgage payments, helping homeowners stay on top of their loan. It helps users see how each payment affects the loan balance and interest over time, making it easier to plan finances and potentially save money by making extra payments.

 

来源： 自定义电子表格

结论：

The Mortgage Amortization Schedule is an essential tool for managing and understanding mortgage payments. 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 financial goals and avoids unnecessary costs.

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