Kubwezeretsa Calculator
Kuyerekeza wanu tsopano mortgage ndi mitengo yatsopano ndi kupeza break-even point.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
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.
Mafunso ofunsidwa nthawi zambiri
Kodi break-even point ntchito?
Ngati kubwezeretsa ndalama kumapulumutsa 180 pamwezi ndipo kumawononga 4,000, mudzagwanso m’miyezi pafupifupi 22; onetsetsani kuti ndalamazo zilipo kwa nthawi yayitali kuposa imeneyi ndipo mudzatuluka m’tsogolo.
Kodi kuwonjezera nthawi ya ntchito kumatha kuchotsa ndalama zopulumutsa?
Ndikofunika. Kusinthanitsa ndalama za ndalama za zaka 25 kukhala ndalama za zaka 30 kumachepetsa ndalama zolipira mwezi uliwonse koma kumawonjezera ndalama zolipira, motero mutha kulipira ndalama zambiri ngakhale kuti ndi ndalama zochepa.
Kodi ndalama zofunika kulipira kuti mulandire ndalamazo ndi ziti?
Palibe mlingo wokhazikika - zomwe zikukhudza ndi ngati mwezi uliwonse wopulumutsa amabwezeretsa ndalama zotsegulira pambuyo poti mubwerera kapena kulipiranso. Mfundo yofala kwambiri ndi 0.5-1% pansi, koma kugwa kwa ndalamazi ndi chinthu chofunikira kwambiri.
Kodi ndi chiyani zofunika kuti muchepetse ndalama zanu?
Zimatenga pafupifupi 2-5% ya ndalama zolipira ndalamazo ndipo zimaphatikizapo ndalama zolipira, kuyendera, dzina ndi ndalama. Ena mwa opanga ndalama amapatsa ndalama zowonjezera zomwe zimalowa m'malamulo kapena ndalama, zomwe zimawonjezera ndalama zolipira ndalamazo koma zimaletsa ndalama zoyamba.
Kodi ndingapeze ndalama zochuluka bwanji?
Ngati mungagwiritse ntchito ndalama zochuluka, kulipiranso ndalama kwa nthawi yochepa kwambiri ndi mtengo wotsika kwambiri kungapulumutse ndalama zambiri komanso kukulitsa ndalama zanu mofulumira. Ikani nthawi yeniyeni yochepa kuti muone kudalirika kwa ndalama zochuluka zomwe mumalipira mwezi uliwonse ndi ndalama zomwe mumapeza pamoyo wanu.
Kodi kubwezeretsa ndalama kumayambanso ndalama zanga za m’nyumba?
A mtengo-ndi-nthawi refinancing amasintha ndalama zakale ndi imodzi yatsopano pa nthawi yatsopano, choncho yeah, nthawi imayambanso. Chosankha chatsopano chofanana ndi zaka zanu zosatha zimalepheretsa kunyamula tsiku lolipira pomwe kulibe mtengo wotsika.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.