Free Printable Loan Amortization Template
How Does Loan Amortization Template Works?
Have you gotten a loan from a company or a bank? When you are going to pay off your loan in regular and equal payment, they will give you to fill in a loan amortization form. There are some types of amortizing loans. The first is an auto loan which is often five year or shorter amortizing loans. You can pay the loan monthly by fixed monthly payment or longer but you have to spend on interest much more. Then, the second is home loans which are 15 year or 30 year fixed rate mortgages. So, the third type is personal loans which you get from a bank, online lender, or credit union. This loan is often used for a small project. They usually have three years term with fixed interest rates and monthly payment.
Other than those three amortizing loan, actually you are able to find many kinds of loans but they are not amortized. When it comes to amortization, one thing included is amortization chart. You can get a clear illustration of the loan amortization. To make this chart, you should use amortization calculator for the calculation. Time value of money is the formula to calculate the loan that you pay off. As the data for keeping track the loan payment, it includes the detail information as like loan balance. Another thing included is the interest charges on your loan, and amount of principal that you pay off. This will allow you to understand how it works and predict outstanding balance or interest cost.
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