Excel 模型：抵押贷款承受能力计算器

标题： Mortgage Affordability Calculator

 描述：

 

This spreadsheet is designed to help potential homeowners determine how much mortgage they can afford based on their financial situation. It includes sections for both standard mortgage and FHA mortgage calculations, comparing various loan terms and the associated costs.

 

  • 贷款信息： Enter key details about your income, current savings, home sale price, mortgage rates, and other financial parameters.
  • Standard Mortgage Calculation: Provides a detailed breakdown of costs and payments for a standard mortgage over different terms.
  • FHA Mortgage Calculation: Offers a comparison of FHA mortgage costs and payments over different terms.

 

建议/提示：
  • 贷款信息：
    • Ensure all financial details are accurately entered to get a precise affordability estimate.
    • Regularly update the loan information as your financial situation changes.
  • Standard Mortgage Calculation:
    • Review the breakdown of costs and payments for various loan terms to choose the best option.
    • Compare the total payments and interest to make an informed decision.
  • FHA Mortgage Calculation:
    • Understand the differences in costs and payments between a standard mortgage and an FHA mortgage.
    • Use the comparison to decide which mortgage type suits your financial situation better.

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. 贷款信息部分：
    • Enter your income, current savings, home sale price, mortgage rates, and other relevant financial details.
      • 示例值：
        • First Salary: $75,000
        • Second Salary: $50,000
        • Home Sale Price: $300,000
        • FHA Down Payment %: 5%
        • FHA Mortgage Rate: 5.50%

  2. Standard Mortgage Calculation:
    • Review the total payments and interest for different loan terms.
      • 示例值：
        • 2 Years: $151,536.97
        • 5 Years: $243,842.42
        • 10 Years: $397,684.85

  3. FHA Mortgage Calculation:
    • Compare the costs and payments with the standard mortgage.
      • 示例值：
        • 2 Years: $106,915.15
        • 5 Years: $223,919.13
        • 10 Years: $415,292.01

交互式计算器为何有用：

This spreadsheet helps users make informed decisions about mortgage affordability by providing a detailed comparison of standard and FHA mortgage costs over different loan terms. It consolidates all relevant financial information in one place, making it easier to understand the long-term financial commitments of a mortgage.

 

来源： 自定义电子表格

结论：

The Mortgage Affordability Calculator is an essential tool for prospective homeowners to evaluate their mortgage options based on their financial situation. By providing a detailed and organized approach to comparing standard and FHA mortgage costs, it helps users make informed decisions about their mortgage affordability. Regular updates and reviews ensure that the affordability estimate remains accurate as financial circumstances change.

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