I need to produce a loan amortization with the ability to input actual
historic payments made or missed (need to add a late fee to missed or late
payments) and I also need to vary the interest rate part way through the
schedule. I have searched office templates and the only thing that comes
close is a template which allows for extra payments (but they have to be same
amount and date each month). I am a bit hopeless on the old excel as I have
no idea what formulas I would need to even produce such a template. PLEASE
HELP!! Can somebody direct me to a site that may offer free software that
performs the functions outlined above - anything would be good. Cheers!
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