Amortization Schedule کا حساب کیسے لگائیں
Amortization Schedule کیا ہے؟
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.
فارمولا
Payment = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
مرحلہ وار گائیڈ
- 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
حل شدہ مثالیں
ان پٹ
$250,000 loan · 6% annual rate · 30 years
نتیجہ
Monthly payment = $1,498.88 · Total interest paid = $289,595
In month 1 only $248.88 of $1,498.88 reduces the principal balance
عام غلطیاں جن سے بچنا ہے
- ✕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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