Áireamhán Athmhaoinithe
Déan comparáid idir do mhorgáiste reatha agus ráta nua agus faigh an pointe briste fiú.
Torthaí a nuashonrú mar a chlóscríobh tú.
Maidir leis an áireamhán seo
you’re a homeowner, you’ll need to pay a mortgage loan to pay off your home. If you’re a homeowner, you’ll need to pay a mortgage loan to pay off your home. If you’re a homeowner, you’ll need to pay off your home. If you’re a homeowner, you’ll need to pay off your home. If you’re a homeowner, you’ll need to pay off your home. If you’re a homeowner, you’ll need to pay off your home. If you’re a homeowner, you’ll pay off your home. If you’re a homeowner, you’ll need to pay off your home.It’s a calculator that compares your current mortgage payment with a new loan at a different rate and term, then divides your closing costs by the monthly saving to find the break-even point — how long you must keep the new loan for the refinance to pay off.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment with your current mortgage payment.It compares your current mortgage payment
Ceisteanna Coitianta
Cén chaoi a n-oibríonn an pointe briseadh fiú?
Má shábhálann athmhaoiniú 180 in aghaidh na míosa agus má chosnaíonn sé 4,000, briseadh tú fiú i thart ar 22 mhí; coinnigh an iasacht níos faide ná sin agus beidh tú chun tosaigh.
An féidir an coigilteas a scriosadh má leathnaítear an téarma?
Má athmhaoinítear iarmhéid 25 bliana go téarma úr 30 bliana, laghdaítear an íocaíocht mhíosúil ach leathnaítear an aisíocaíocht amach, ionas gur féidir leat níos mó úis iomlán a íoc fiú ag ráta níos ísle. Déan comparáid idir an costas iomlán, ní hamháin an figiúr míosúil.
Cé mhéad níos ísle a chaithfidh an ráta a bheith chun athmhaoiniú?
Níl aon tairseach shocraithe ann – is é an rud atá tábhachtach ná an dtugann an coigilteas míosúil costais dhúnadh ar ais sula mbogann tú nó sula ndéanann tú athmhaoiniú arís. Is riail choitianta í an choigilteas míosúil a bheith 0.5-1% níos ísle ar a laghad. Ach is é an briseadh-cothrom an fíor-thástáil anseo.
Cad iad na costais tipiciúla dúnta athmhaoinithe?
Is gnách go mbíonn thart ar 2-5% den iarmhéid iasachta i gceist leo agus clúdaíonn siad táillí iasachta, measúnú, teideal agus cánacha. Cuireann roinnt iasachtóirí athmhaoiniú "gan chostas" ar fáil a rollann na táillí sin isteach sa ráta nó san iarmhéid ina ionad. Ardaítear an briseadh-cothrom ach seachnaítear airgead tirim roimh ré.
Ar chóir dom athmhaoiniú a dhéanamh ar théarma níos giorra?
Má tá tú in ann déileáil leis an íocaíocht níos airde, is féidir leat méid mór úis a shábháil agus cothromas a thógáil níos tapúla trí athmhaoiniú a dhéanamh ar théarma níos giorra ag ráta níos ísle.Iontráil téarma nua níos giorra chun an trádáil idir an íocaíocht mhíosúil agus an t-ús saoil a shábháil a fheiceáil.
An ndéanann athmhaoiniú mo mhorgáiste a atosú?
Cuireann athmhaoiniú ráta-agus-téarma ceann nua in ionad na seaniasachta ar théarma úr, mar sin tá, atosóidh an clog.Seachnaíonn téarma nua a roghnú atá comhionann le do chuid blianta atá fágtha an dáta íocaíochta a shíneadh agus ráta níos ísle á ghabháil fós.
API — úsáid an áireamhán seo ó chód
Glaoigh ar an áireamhán seo mar chríochphointe JSON saor in aisce - níl aon eochair ag teastáil. Seol na luachanna réimse thíos mar pharaiméadair cheist nó JSON. Léigh an doiciméadú iomlán API →
Deireadhphointe
GET https://calculator.free/api/v1/refinance/curl
curl "https://calculator.free/api/v1/refinance/?balance=250000¤t_rate=6.5&years_left=25&new_rate=5.5&new_years=30&costs=4000"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/refinance/?" + new URLSearchParams({
"balance": "250000",
"current_rate": "6.5",
"years_left": "25",
"new_rate": "5.5",
"new_years": "30",
"costs": "4000"
}));
const data = await r.json();
console.log(data.results);Is meastacháin iad na torthaí le haghaidh treoir ghinearálta amháin, ní comhairle airgeadais, leighis nó cánach.