Refinance Calculator
Unogona kutevedzera mari yako yemutero yazvino nemari itsva uye uone kuti mari yako ichaita sei.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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.
Zvimwe zvinobvunzwa zvakanyanya
Sei break-even point inoita basa?
Break-even mwedzi = kuvharwa mari ÷ mwedzi kuchengeta. Kana refinancing anochengeta 180 pamwedzi uye mari 4,000, iwe break even mu 22 mwedzi pamusoro; kuchengetedza mari yakareba kupfuura kuti uye iwe unobuda pamberi.
Kuwedzera kwenguva yekubhadhara kunogona kubvisa mari yawakachengeta?
Yes. Refinancing a 25-year balance into a fresh 30-year term lowers the monthly payment but stretches repayment out, so you can pay more total interest even at a lower rate. Compare total cost, not just the monthly figure.
Ndezvipi zvikonzero zvinokonzera kuti mari inodiwa kuti ubhadhare mari yekubhadhara irambe iri pasi?
Hapana chiyero chakavimbika – chinhu chinokosha ndechekuti kana mari yaunochengeta pamwedzi ichidzosa mari yaunobhadhara paunovhura imba yako, usati waenda kunotenga imwe. Mutemo wekuti ubhadhare mari yacho pamwedzi unokosha 0.5-1% yakaderera, asi kudzokera kumari yacho inofanira kunge iri yakafanana.
Ndezvipi zvikonzero zvinokonzera kuti kambani iite izvi?
Vanowanzoita 2-5% yemari yemubhadharo uye vanobhadhara mari yemubhadharo, kuongorora, zita uye mari yemubhadharo. Vakawanda vanopa mari vanopa "zvisiri-zviri-mubhadharo" kudzoreredza mari yemubhadharo kana mari yemubhadharo, izvo zvinowedzera mari yemubhadharo asi zvisingaite mari yemubhadharo.
Ndinofanira kudzoreredza mari yangu kune imwe nguva yakati rebei?
Kana iwe uchigona kudzora mari yakakura, kudzoreredza mari kune nguva pfupi nemari yakaderera inogona kukubatsira kuti uwane mari yakawanda yemari yemari uye uwane mari yakakwana nekukurumidza. Dzvanya pane nguva pfupi nyowani kuti uone kuchinja pakati pemari yemwedzi nemari yehupenyu yaunowana.
Refinancing rinotangazve here yangu mortgage?
A rate-and-term refinance inoshandura iyo yakare mari neimwe nyowani panguva nyowani, saka hapana, nguva inotangazve. Kusarudza nguva nyowani imwechete nenguva yako yapfuura inodzivirira kusvikira zuva rekubhadhara richiramba richitora mutengo wakaderera.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.