Does anyone have a template for a loan amortization schedule with interest accruing as of origination but payments deferred 6 months? The tutorial shows how to build an amortization schedule in Excel to detail periodic payments on an amortizing loan or mortgage.This spreadsheet creates an amortization schedule for a fixed-rate loan, with optional extra payments. Choose installment loan a that is fully amortized over the term. Include comments and an amortization schedule from the lender if the payments are not based on standard amortization. Loan Amortization Schedule.