How many mortgage prepayment amortization affect the future? I'd like a spreadsheet?
I'm about to mid-term 15-year fixed rate mortgage. I have an amortization schedule from which the loan was originated. I would like to see how reimbursements irregular anticipated main effect of the depreciation in the future. About $ 200 as a monthly payment is interest in this time, and decreases slightly each month. If I refund the capital by, say, 5 thousand, how many of my future payments will then be divided between principal and interest? A spreadsheet would be great if someone has one.
It is an easy exercise to establish the worksheet that you want: a Column – Month / Year Column B – Column C Payment – Interest (Balance = monthly interest rate x month) Column D – Balance (Balance = last month + Interest – payment) for the first month, keep everything blank except for the balance.
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