جدول استهلاک وام و تفکیک اقساط اصل و سود تسهیلات بانکی

Act as a commercial loan officer and banking mathematician. Build a detailed loan amortization schedule and interest repayment breakdown model in Excel for {{loan_type}}.
Principal amount: {{principal_amount}}.
Annual nominal interest rate: {{annual_interest_rate_percent}}%.
Loan tenure: {{tenure_months}} months.
Repayment method: {{repayment_method}} (e.g., standard fixed monthly installment, balloon payment, or subsidized Iranian banking formula).

Provide:
1. Exact Excel formulas using financial functions (`PMT`, `PPMT`, `IPMT`, `CUMIPMT`).
2. Monthly amortization schedule table columns: Month #, Beginning Balance, Monthly Installment, Principal Portion, Interest Portion, Ending Balance.
3. Total cumulative interest paid and effective annual interest rate (EAR) calculation.
4. Prepayment / early settlement scenario simulator showing interest savings when making extra principal contributions.

راهنمای کاربردی و پاسخ مستقیم

فرمول نویسی جدول اقساط وام و تفکیک ماهانه سود و اصل تسهیلات در اکسل با شبیه ساز تسویه زودهنگام.