Excel 模型：固定付款摊销计划

标题： Fixed Payment Amortization Schedule

 描述：

 

This spreadsheet is used to create an amortization schedule for loans with fixed payments. It provides a detailed breakdown of each payment, including how much goes toward interest and principal, and tracks the remaining balance over time.

 

  • Loan Details: Enter loan amount, annual interest rate, loan term, and payment frequency.
  • 摊销计划： A detailed table showing each payment date, payment amount, principal portion, interest portion, and remaining balance.
  • 概括： Provides an overview of total interest paid, total payments, and loan payoff details.

 

建议/提示：
  • Loan Details:
    • Ensure accurate entry of loan amount, interest rate, and loan term to generate a correct amortization schedule.
    • Update payment frequency if needed to match the actual payment schedule.

  • 摊销计划：
    • Review each row to understand how payments are split between interest and principal.
    • Regularly check the remaining balance to monitor progress toward loan payoff.

  • 概括：
    • Use the summary to review total interest and payments to understand the overall cost of the loan.
    • Use this information to make informed decisions about refinancing or extra payments.

 

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, annual interest rate, loan term, and payment frequency.
      • Example values: Loan Amount – $150,000, Annual Interest Rate – 5.00%, Loan Term – 30 years, Payment Frequency – Monthly.

  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: 1/1/2023, Payment Amount: $805.23, Principal Portion: $220.23, Interest Portion: $585.00, Remaining Balance: $149,779.77.
        • Payment Date: 2/1/2023, Payment Amount: $805.23, Principal Portion: $221.02, Interest Portion: $584.21, Remaining Balance: $149,558.75.

  3. 概括：
    • Review total interest paid, total payments, and loan payoff details.
      • 示例值：
        • Total Interest Paid: $86,537.13
        • Total Payments: $236,537.13

交互式计算器为何有用：

This spreadsheet provides a clear and organized way to track the amortization of loans with fixed payments. It helps users see how each payment impacts the principal and interest, and how the loan balance decreases over time. This understanding can help users manage their loans more effectively and make informed financial decisions.

 

来源： 自定义电子表格

结论：

The Fixed Payment Amortization Schedule is an essential tool for managing and understanding the repayment of loans with fixed payments. It provides a comprehensive view of how each payment affects the loan balance and the distribution between interest and principal. Regular updates and reviews of this schedule can help users stay on track with their loan payments and make informed decisions about their financial strategy.

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