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    This document contains information about loan amortization over a 30 year period for a $300,000 loan with an 8% interest rate. It shows the opening balance, payment, interest, and principal components for each year. It also includes charts showing the declining loan balance over time as payments are made each year.

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    Bond Analysis

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    This document contains information about loan amortization over a 30 year period for a $300,000 loan with an 8% interest rate. It shows the opening balance, payment, interest, and principal components for each year. It also includes charts showing the declining loan balance over time as payments are made each year.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    14 views15 pages

    Excel Practice

    Uploaded by

    phool khan
    This document contains information about loan amortization over a 30 year period for a $300,000 loan with an 8% interest rate. It shows the opening balance, payment, interest, and principal components for each year. It also includes charts showing the declining loan balance over time as payments are made each year.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 15

    LOAN AMORTIZATION

    Azeem

    LOAN AMORTIZATION

    50,000

    Inputs
    PV

    45,000

    300,000

    40,000

    30

    35,000

    Interest Rate
    Years

    8.00%
    31

    80

    30,000
    25,000
    31
    20,000
    15,000
    10,000
    5,000
    1

    Outputs
    Years
    Open bal
    Payment
    Interest Coupon
    Pricipal Component

    1
    2
    3
    4
    300,000 297,568 294,941 292,104
    26,432
    26,432
    26,432
    26,432
    24,000
    23,805
    23,595
    23,368
    2,432
    2,627
    2,837
    3,064

    11

    5
    289,040
    26,432
    23,123
    3,309

    16

    6
    285,731
    26,432
    22,859
    3,574

    Payment
    Interest Coupon
    Pricipal Component

    16

    21

    7
    282,158
    26,432
    22,573
    3,860

    8
    278,298
    26,432
    22,264
    4,168

    26

    9
    274,130
    26,432
    21,930
    4,502

    10
    269,628
    26,432
    21,570
    4,862

    11
    264,766
    26,432
    21,181
    5,251

    12
    259,515
    26,432
    20,761
    5,671

    13
    253,844
    26,432
    20,308
    6,125

    14
    247,719
    26,432
    19,818
    6,615

    15
    241,105
    26,432
    19,288
    7,144

    16
    233,961
    26,432
    18,717
    7,715

    17
    226,245
    26,432
    18,100
    8,333

    18
    217,913
    26,432
    17,433
    8,999

    19
    208,914
    26,432
    16,713
    9,719

    20
    199,195
    26,432
    15,936
    10,497

    21
    188,698
    26,432
    15,096
    11,336

    22
    177,362
    26,432
    14,189
    12,243

    23
    165,118
    26,432
    13,209
    13,223

    24
    151,896
    26,432
    12,152
    14,281

    25
    137,615
    26,432
    11,009
    15,423

    26
    122,192
    26,432
    9,775
    16,657

    27
    105,535
    26,432
    8,443
    17,989

    28
    87,546
    26,432
    7,004
    19,429

    29
    68,118
    26,432
    5,449
    20,983

    30
    47,135
    26,432
    3,771
    22,661

    31
    24,473
    26,432
    1,958
    24,474

    32
    (1)
    26,432
    (0)
    26,432

    33
    (26,433)
    26,432
    (2,115)
    28,547

    34
    (54,980)
    26,432
    (4,398)
    30,831

    35
    36
    (85,811) (119,108)
    26,432
    26,432
    (6,865)
    (9,529)
    33,297
    35,961

    37
    38
    39
    40
    41
    42
    43
    44
    45
    (155,069) (193,906) (235,851) (281,151) (330,076) (382,914) (439,979) (501,610) (568,171)
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    (12,405) (15,513) (18,868) (22,492) (26,406) (30,633) (35,198) (40,129) (45,454)
    38,838
    41,945
    45,300
    48,924
    52,838
    57,065
    61,631
    66,561
    71,886

    46
    47
    48
    49
    50
    (640,056) (717,693) (801,541) (892,096) (989,896)
    26,432
    26,432
    26,432
    26,432
    26,432
    (51,205) (57,415) (64,123) (71,368) (79,192)
    77,637
    83,848
    90,555
    97,800 105,624

    51
    #######
    26,432
    (87,642)
    114,074

    52
    53
    54
    ####### ####### #######
    26,432
    26,432
    26,432
    (96,767) (106,623) (117,268)
    123,200 133,056 143,700

    55
    56
    57
    58
    59
    60
    61
    62
    63
    ####### ####### ####### ####### ####### ####### ####### ####### #######
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    (128,764) (141,180) (154,589) (169,070) (184,710) (201,602) (219,845) (239,547) (260,825)
    155,196 167,612 181,021 195,502 211,143 228,034 246,277 265,979 287,257

    64
    65
    66
    67
    68
    69
    70
    71
    72
    ####### ####### ####### ####### ####### ####### ####### ####### #######
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    (283,806) (308,625) (335,429) (364,378) (395,643) (429,409) (465,876) (505,261) (547,796)
    310,238 335,057 361,861 390,810 422,075 455,841 492,308 531,693 574,228

    73
    74
    75
    76
    77
    78
    79
    ####### ####### ####### ####### ####### ####### #######
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    26,432
    (593,735) (643,348) (696,930) (754,799) (817,298) (884,796) (957,695)
    620,167 669,780 723,363 781,232 843,730 911,228 984,127

    80
    #######
    26,432
    #######
    #######

    81
    #######
    26,432
    #######
    #######

    82
    #######
    26,432
    #######
    #######

    83
    #######
    26,432
    #######
    #######

    84
    #######
    26,432
    #######
    #######

    85
    #######
    26,432
    #######
    #######

    86
    #######
    26,432
    #######
    #######

    87
    #######
    26,432
    #######
    #######

    88
    #######
    26,432
    #######
    #######

    89
    #######
    26,432
    #######
    #######

    90
    #######
    26,432
    #######
    #######

    91
    #######
    26,432
    #######
    #######

    92
    #######
    26,432
    #######
    #######

    93
    #######
    26,432
    #######
    #######

    94
    #######
    26,432
    #######
    #######

    95
    #######
    26,432
    #######
    #######

    96
    #######
    26,432
    #######
    #######

    Bond Duration
    Inputs
    Rate Convention

    EAR

    APR

    Coupon Rate

    4.63%

    463

    YTM

    3.94%

    394

    # payment/Year
    Outputs
    Disc./Period
    Dynamic Chart Outputs
    Time To Maturity
    # Period to Maturity
    Duration of Coupon Bond
    Duration of Zero Coupon Bond

    2.315%

    1
    2

    2
    4

    3
    6

    4
    8

    5
    10

    6
    12

    7
    14

    8
    16

    9
    18

    10
    20

    S. No.
    1
    2
    3
    4
    5
    6
    7

    Date
    7-Dec
    15-Dec
    20-Dec
    21-Dec
    22-Dec
    24-Dec
    28-Dec

    Arrival Time
    9.25
    9.38
    9.33
    9.31
    9.15
    9.16
    9.14

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