Kalọ̀lịtàrà
Tụkwasị n'ihe n'ime gị ugbua na ọnụọgụgụ ọhụrụ ma chọpụta ebe nkwụsị-n'otu.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
A refinance calculator 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. Sell or refinance again before then and it may not have been worth it.
It re-amortises your current balance under both loans. For example, a 250,000 balance with 25 years left at 6.5% costs about 1,688 a month; refinancing into a new 30-year loan at 5.5% drops the payment to roughly 1,419, a saving near 269 a month. With 4,000 in closing costs, you break even in about 15 months — after that the saving is yours, assuming you stay in the home.
Use it to judge whether today’s rates justify refinancing and to weigh a lower rate against a longer term. One trap the tool highlights: resetting a 25-year balance into a fresh 30-year loan lowers the monthly payment but can raise total interest, so compare lifetime cost, not just the monthly figure.
Ajụjụ ndị a na-ajụkarị
Olee otú break-even point si arụ ọrụ?
Break-even ọnwa = na-emechi ụgwọ ÷ ọnwa n'ihi na-echekwa. Ọ bụrụ na refinancing na-echekwa 180 ọnwa na ụgwọ 4,000, ị na-ewepụkwa na-abịa n'ihe banyere 22 ọnwa; na-echekwa ego ogologo karịa na na ị na-abịa n'ihu.
Ọ bụrụ na ịkpụga oge ahụ ga-ehichapụ nchekwa ahụ?
Ya. Refinancing a 25-afọ ego n'ime ọhụrụ 30-afọ oge na-abawanye na ọnwa ụgwọ ma stretches repayment si, ka i nwere ike ịkwụ ụgwọ karịa zuru ezu interest ọbụna nala ọnụego. Tụkwasị ọnụego zuru ezu, ọ bụghị naanị na ọnwa figure.
Olee otú ala ka ọnụọgụgụ ahụ kwesịrị ịbụ iji gbanwee ego?
Ọ dịghị fixed threshold - ihe mkpa bụ ma ọ bụrụ na ọnwa n'ihi na-echekwa na-azọpụta na-emechi ụgwọ tupu ị na-aga ma ọ bụ refinance ọzọ. A common rule of thumb bụ n'okpuru 0.5-1% ala, ma break-even ebe a bụ eziokwu ule.
Gịnị bụ ndị na-atọ ụtọ refinance na-emechi ọnụego?
Ha na-emekarị na-agba ọsọ banyere 2-5% nke ego ego na-ekpuchi ụgwọ onye na-enye ego, nlekọta, aha na ụgwọ. Ndị ọzọ na-enye ego na-enye "enweghị ụgwọ" na-ebuli ndị a na-eme ka ọnụego ma ọ bụ ego na-ebuli, nke na-ebuli break-even ma na-egbochi ego n'ihu.
Ị ga-achọ ka m gbanwee ego m na-eji na-akwụ ụgwọ?
Ọ bụrụ na ị nwere ike ịnabata ụgwọ dị elu, ịkwụghachi ụgwọ n'oge dị mkpirikpi na ọnụọgụgụ dị ala nwere ike ichekwa nnukwu uru na ịmepụta ego n'ụzọ dị ngwa. Tinye oge ọhụrụ dị mkpirikpi iji hụ n'etiti ụgwọ ọnwa na ndụ ego echekwara.
Ònye ga-ebidoghachi m'ihe n'aka m?
A rate-na-oge refinancing na-atụgharị n'ime ego ochie na otu ọhụrụ na oge ọhụrụ, ya mere ee, oge a na-amaliteghachi. Ihọpụta oge ọhụrụ dị ka afọ gị na-adịgide na-egbochi ịkpụga ụbọchị nkwụghachi mgbe ọ na-echekwa oge dị ala.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
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);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.