কীভাবে Amortization Schedule গণনা করবেন
Amortization Schedule কি?
An amortization schedule breaks down every loan payment into its principal and interest components over the full loan term. It shows exactly how much of each payment reduces the balance versus paying interest.
সূত্র
Payment = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
ধাপে ধাপে নির্দেশিকা
- 1Calculate fixed monthly payment using the annuity formula
- 2Month 1 interest = balance × monthly rate; principal = payment − interest
- 3New balance = previous balance − principal; repeat until balance = 0
সমাধান করা উদাহরণ
ইনপুট
$250,000 loan · 6% annual rate · 30 years
ফলাফল
Monthly payment = $1,498.88 · Total interest paid = $289,595
In month 1 only $248.88 of $1,498.88 reduces the principal balance
এড়ানোর সাধারণ ভুল
- ✕Comparing APR vs note rate when calculating payments
- ✕Forgetting taxes and insurance in total housing cost
- ✕Ignoring prepayment penalties when planning extra payments
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