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Like Malloy, Lembo sees that that state is facing a major balloon payment in 2032 if no changes are made. "The state’s negligent past actions now leave only 17 years on our current amortization.
Balloon Loan Amortization Schedule Template . Use this Excel amortization schedule template to determine balloon payments. A balloon payment is when you schedule payments so that your loan will be paid off in one large chunk at the end, after a series of smaller payments are made to reduce the principal.