帮味苦算算账：借1200，10年还清，每月付12的mortgate是怎么付的。

来源: StopBy 于 2017-12-29 09:22:58 [旧帖] [给我悄悄话] 本文已被阅读：次

利率应该是3.75%

pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
001 8.25 3.75 12.00 1191.75
002 8.28 3.72 12.00 1183.47
003 8.30 3.70 12.00 1175.17
004 8.33 3.67 12.00 1166.84
005 8.35 3.65 12.00 1158.49
006 8.38 3.62 12.00 1150.11
007 8.41 3.59 12.00 1141.71
008 8.43 3.57 12.00 1133.27
009 8.46 3.54 12.00 1124.82
010 8.48 3.52 12.00 1116.33
011 8.51 3.49 12.00 1107.82
012 8.54 3.46 12.00 1099.28
Year 01 100.72 43.28 144.00 1099.28
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
013 8.56 3.44 12.00 1090.72
014 8.59 3.41 12.00 1082.12
015 8.62 3.38 12.00 1073.51
016 8.65 3.35 12.00 1064.86
017 8.67 3.33 12.00 1056.19
018 8.70 3.30 12.00 1047.49
019 8.73 3.27 12.00 1038.76
020 8.75 3.25 12.00 1030.01
021 8.78 3.22 12.00 1021.23
022 8.81 3.19 12.00 1012.42
023 8.84 3.16 12.00 1003.58
024 8.86 3.14 12.00 994.72
Year 02 104.56 39.44 144.00 994.72
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
025 8.89 3.11 12.00 985.83
026 8.92 3.08 12.00 976.91
027 8.95 3.05 12.00 967.96
028 8.98 3.02 12.00 958.99
029 9.00 3.00 12.00 949.98
030 9.03 2.97 12.00 940.95
031 9.06 2.94 12.00 931.89
032 9.09 2.91 12.00 922.80
033 9.12 2.88 12.00 913.69
034 9.14 2.86 12.00 904.54
035 9.17 2.83 12.00 895.37
036 9.20 2.80 12.00 886.17
Year 03 108.55 35.45 144.00 886.17
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
037 9.23 2.77 12.00 876.94
038 9.26 2.74 12.00 867.68
039 9.29 2.71 12.00 858.39
040 9.32 2.68 12.00 849.07
041 9.35 2.65 12.00 839.72
042 9.38 2.62 12.00 830.35
043 9.41 2.59 12.00 820.94
044 9.43 2.57 12.00 811.51
045 9.46 2.54 12.00 802.04
046 9.49 2.51 12.00 792.55
047 9.52 2.48 12.00 783.03
048 9.55 2.45 12.00 773.47
Year 04 112.69 31.31 144.00 773.47
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
049 9.58 2.42 12.00 763.89
050 9.61 2.39 12.00 754.28
051 9.64 2.36 12.00 744.64
052 9.67 2.33 12.00 734.96
053 9.70 2.30 12.00 725.26
054 9.73 2.27 12.00 715.53
055 9.76 2.24 12.00 705.76
056 9.79 2.21 12.00 695.97
057 9.83 2.17 12.00 686.14
058 9.86 2.14 12.00 676.29
059 9.89 2.11 12.00 666.40
060 9.92 2.08 12.00 656.48
Year 05 116.99 27.01 144.00 656.48
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
061 9.95 2.05 12.00 646.53
062 9.98 2.02 12.00 636.55
063 10.01 1.99 12.00 626.54
064 10.04 1.96 12.00 616.50
065 10.07 1.93 12.00 606.43
066 10.10 1.90 12.00 596.32
067 10.14 1.86 12.00 586.19
068 10.17 1.83 12.00 576.02
069 10.20 1.80 12.00 565.82
070 10.23 1.77 12.00 555.59
071 10.26 1.74 12.00 545.32
072 10.30 1.70 12.00 535.03
Year 06 121.46 22.54 144.00 535.03
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
073 10.33 1.67 12.00 524.70
074 10.36 1.64 12.00 514.34
075 10.39 1.61 12.00 503.95
076 10.43 1.57 12.00 493.52
077 10.46 1.54 12.00 483.06
078 10.49 1.51 12.00 472.57
079 10.52 1.48 12.00 462.05
080 10.56 1.44 12.00 451.49
081 10.59 1.41 12.00 440.90
082 10.62 1.38 12.00 430.28
083 10.66 1.34 12.00 419.63
084 10.69 1.31 12.00 408.94
Year 07 126.09 17.91 144.00 408.94
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
085 10.72 1.28 12.00 398.22
086 10.76 1.24 12.00 387.46
087 10.79 1.21 12.00 376.67
088 10.82 1.18 12.00 365.85
089 10.86 1.14 12.00 354.99
090 10.89 1.11 12.00 344.10
091 10.92 1.08 12.00 333.18
092 10.96 1.04 12.00 322.22
093 10.99 1.01 12.00 311.23
094 11.03 0.97 12.00 300.20
095 11.06 0.94 12.00 289.14
096 11.10 0.90 12.00 278.04
Year 08 130.90 13.10 144.00 278.04
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
097 11.13 0.87 12.00 266.91
098 11.17 0.83 12.00 255.74
099 11.20 0.80 12.00 244.54
100 11.24 0.76 12.00 233.31
101 11.27 0.73 12.00 222.03
102 11.31 0.69 12.00 210.73
103 11.34 0.66 12.00 199.39
104 11.38 0.62 12.00 188.01
105 11.41 0.59 12.00 176.60
106 11.45 0.55 12.00 165.15
107 11.48 0.52 12.00 153.67
108 11.52 0.48 12.00 142.15
Year 09 135.89 8.11 144.00 142.15
pmt Principal Interest Totoal End
# Pmt Pmt Pmt Balance
109 11.56 0.44 12.00 130.59
110 11.59 0.41 12.00 119.00
111 11.63 0.37 12.00 107.37
112 11.66 0.34 12.00 95.71
113 11.70 0.30 12.00 84.00
114 11.74 0.26 12.00 72.27
115 11.77 0.23 12.00 60.49
116 11.81 0.19 12.00 48.68
117 11.85 0.15 12.00 36.83
118 11.88 0.12 12.00 24.95
119 11.92 0.08 12.00 13.03
120 13.03 0.04 13.07 0.00
Year 10 142.15 2.92 145.07 0.00
GrandTotal 1200.00 241.07 1441.07