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13.
pepare an excel amortization table
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Solved in 2 steps
- 1. Excel: Complete the amortization table provided in the Excel document posted in Ivylearn in the homework area by setting the appropriate values for a $165,000, 30-year mortgage at 4.5% interest and using Excel's autofill (drag) feature to fill in the cells to the end of the mortgage period. Use this to answer the following: a. How much of the first payment goes towards the principal? How much goes toward the interest? b. How much of the last payment goes towards the principal? How much goes toward the interest? c. Find the total interest paid by the end of the mortgage. d. How much will be owed on the mortgage after making payments for 10 years (hint this is 120 months)? e. How much interest has been paid total on the mortgage at the end of 10 years? f. How many months will it take to pay at least half of the principal?2. Using Excel - Calculate using formulas (paste into a word document) the amortization schedule for a 5-year fixed-rate monthly payment mortgage that is fully amortizing. The interest rate on the loan is 6% and it is a $320,000 loan amount at origination with no points or fees.3. Find the payment necessary to amortize the following loans using the amortization table, and round to the nearest cent if needed. Amount of Loan: $12000 Interest Rate: 6% Payments Made: semiannually Number of Years: 8
- 4. Consider the following financing information for a loan of $103,000: Item Value Loan amount $103,000 2 years Loan length Contractual interest rate 8% Origination fee Payment type 4.3% Quarterly payments, equally amortized Find the actuarial interest te, the annual percentage interest rate, and the effective interest rate.1. A loan with the following terms is being made: Fixed rate, constant payment 9% interest rate $70,000 desired mortgage amount. $1,500 loan discount points paid by the buyer/borrower to the lender 25-year term, monthly payments a. Calculate the APR for federal truth-in-lending purposes (assume that the discount points are paid up front by the borrow and rolled into the loan principal). b. Do you think that the APR calculated in (a) reflects the likely return that the lender will receive over the term of the loan? List specific reasons that the lender's actual return might be different than the APR.Calculate the expected loss assuming that it is defaulted in month 60. In a mortgage loan with the following characteristics: PD = 6% Value of the loan: $1,000,000.00 MXN; monthly payment: $8,500.00 MXN; term: 20 years (240 months); LGD: 13%. Select one: a.-$3,822.00 MXN. b.-$8,500.00 MXN. c.-$3,833.00 MXN. d.-$7,800.00 MXN.
- 9.) Find the first month of the amortization schedule for a fixed-rate mortgage if the loan amount is $300,000 with an interest rate of 6.0% on a 20-year loan. Annual rate, r (b) Interest payment: 5 (d) Balance of principal 10 2.0% $17.52776 $9.20135 2.5% $ 17.74736 $9.42699 3.0% $17.96869 $ 9.65607 3.5% $ 18.19174 $ 9.88859 4.0% $18.41652 $10.12451 4.5% $18.64302 $10.36384 5.0% $18.87123 $10.60655 5.5% $ 19.10116 $10.85263 6.0% $19.33280 $11.10205 6.5% $19.56615 $11.35480 7.0% $19.80120 $11.61085 7.5% $ 20.03795 $11.87018 8.0% $ 20.27639 $12.13276 8.5% $ 20.51653 $12.39857 9.0% $ 20.75836 $12.66758 $10.14267 (a) Total payment: (use the table above or the payment formula) Terms of Mortgage (in years), t 15 20 $ 6.43509 $ 6.66789 $ 6.90582 $7.14883 $ 7.39688 $ 7.64993 $ 7.90794 $ 8.17083 $ 8.43857 $ 8.71107 $ 8.98828 $ 9.27012 $ 9.55652 $ 9.84740 $ 5.05883 $5.29903 $ 5.54598 $ 5.79960 $ 6.05980 $ 6.32649 $ 6.59956 $ 6.87887 $ 7.16431 $ 7.45573 $ 7.75299 $ 8.05593 $ 8.36440 $ 8.67823 $…4. Establish loan amortization schedules for 3-ycar loan of $20,000 (initial loan) with cqual payments at the end of cach year. The interest rate is 5 percent per year. NOTE: PLEASE SHOW HOW YOU COMPUTE EACH OF THE ITEMS.You have taken out a $7,500,000 loan with a 4% interest rate, 30 year amortization and ten year term. What is the loan balance after the final loan payment? a. $0 b. $7,390,303 c. Cannot determine with information provided d. $5,908,797
- Construct an amortization schedule for a $1,000, 3.9% annual rate loan with 3 equal payments. The first payment will be made at the end of the 1st year. Find the required annual payments Selected Answer: $356.9 Answers: $356.9 $359.7 $367.2 $370.5 what’s the ending balance of the amortized loan at the end of the first year? Selected Answer: $678.1 Answers: $650.2 $669.1 $678.1 $679.3Use aspreadsheet to create amortization schedules for the following five scenarios.What happens to the total interest paid under each scenario?a. Scenario 1:Loan amount: $1 millionAnnual rate: 5 percentTerm: 360 monthsPrepayment: $0b. Scenario 2: Same as 1, except annual rate is7 percentc. Scenario 3: Same as 1, except term is 180monthsd. Scenario 4: Same as 1, except prepayment is$250 per monthe. Scenario 5: Same as 1, except loan amount is$125,000Find the payment necessary to amortize a 5.5% loan of $7700 compounded semiannually, with 6 semiannual payments. Find (a) the payment necessary to amortize the loan and (b) the total payments and the total amount of interest paid based on the calculated semiannual payments. Then create an amortization table to find (C) the total payments and total amount of interest paid based upon the amortization table. a. The semiannual payment needed to amortize this loan is $ (Round to the nearest cent as needed.) b. The total amount of the payments is $ (Round to the nearest cent as needed.) The total amount of interest paid is $ (Round to the nearest cent as needed.) c. The total payment for this loan from the amortization table is $ %24 The total interest from the amortization table is $