Excel 模型：房屋摊销计划

标题： Home 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, and start date.
  • 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： 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, and start date.
      • Example values: Loan Amount – $600,000, Interest Rate – 5%, Loan Term – 200 months, Start Date – February 8, 2023.

  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: February 2023, Beginning Balance: $600,000, Monthly Payment: $10,000, Principal Payment: $7,500, Interest Payment: $2,500, Ending Balance: $592,500.
        • Payment Date: March 2023, Beginning Balance: $592,500, Monthly Payment: $10,000, Principal Payment: $7,531.25, Interest Payment: $2,468.75, Ending Balance: $584,968.75.

  3. 概括：
    • Review total interest paid, total payments, and remaining balance.
      • 示例值：
        • Total Payments: $2,000,000
        • Total Interest Paid: $400,000
        • Remaining Balance: $584,968.75

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 Home Amortization Schedule is an essential tool for homeowners to manage and understand their mortgage payments. It provides a comprehensive view of how each payment impacts the loan balance and the distribution between interest and principal. Regular updates and reviews of this schedule can help homeowners stay on track with their payments and make informed decisions about their financial strategy.

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