Que Es Amortization Schedule?
Un calendario de amortización es una tabla que muestra cada pago mensual durante la vida de tu préstamo, desglosado en cuánto va hacia el principal y cuánto va hacia los intereses. Los pagos iniciales son mayormente intereses; los pagos posteriores son mayormente principal.
Datos Clave
- In a 30-year loan, you'll pay more in interest than principal for roughly the first 20 years.
- Extra payments go directly toward principal and can dramatically shorten your loan.
- The total interest paid on a 30-year loan often exceeds the original loan amount.
- Shorter loan terms (15 years) mean higher payments but far less total interest.
Ejemplo Practico
On a $585,000 loan at 6.75% for 30 years, your first payment of $3,794 splits roughly $3,291 to interest and just $503 to principal. By year 20, it flips — about $2,100 goes to principal and $1,694 to interest.
Por Que Importa
Understanding your amortization schedule helps you see where your money goes each month. It also shows the powerful impact of making extra payments — even an extra $200/month can save tens of thousands in interest and cut years off your loan.