Kalkaaliyeyaasha Refinance
Ku barbardhig deynkaaga hadda jira si aad u hesho deyn cusub oo ka hel meesha aad ku kala bixi karto.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Sidee buu break-even point shaqeeyo?
Break-ugu yaraan bilood = xaddidaadda kharashka ÷ maalgelinta bil kasta. Haddii dib u maalgelinta badbaadin 180 bilood iyo kharashka 4,000, waxaad ka go'an tahay in ka badan 22 bilood; haystaan deynta ka dheer kaas oo aad ka soo baxaysa hor.
Ma kordhinta muddada tirtiri kartaa badbaadinta?
Haa. Refinancing 25-sano oo miisaaniyad ah in ay cusub 30-sano oo muddo ah hoos u bixiyo biilasha laakiin wuxuu u fidiya dib u bixitaanka, sidaas darteed waxaad bixin kartaa in ka badan oo guud ah faa'iido, xitaa si aad u hooseeya.
Sidee ayey hoos u tahay qiimaha u baahan yahay in uu noqdo in la soo celiyo?
Ma jiro xad-dhaafka ah ee xaddidan - waxa muhiimka ah waa haddii ay maalgelinta bil kasta soo celiyo kharashka xiran ka hor inta aadan u dhaqaaqin ama dib u maalgashiga mar kale. A sharci caadi ah ee thumb waa ugu yaraan 0.5-1% ka hooseeya, laakiin break-ka-dhimista halkan waa imtixaanka dhabta ah.
Maxay yihiin qiimaha caadiga ah ee dib u deynta xiritaanka?
Waxay caadi ahaan ku socdaan 2-5% ee miisaaniyadda deynta iyo dakhliga deyn bixiye, qiimeyn, magaca iyo canshuuraha. qaar ka mid ah deyn bixiyayaasha bixiyaan "no-cost" dib u maalgelinta oo ku wareegsan kuwaas oo ku jira heerka ama miisaaniyadda, taas oo kor u qaadda break-even laakiin ka fogaado upfront lacag.
Ma waxaan dib u maalgelin doonaa muddo gaaban?
Haddii aad awoodo inaad xakameyso lacag bixinta sare, dib u maalgashiga muddo gaaban oo ku saabsan heerka hooseeya ayaa badbaadin kara lacag badan oo faa'iido ah oo dhisa saamiga si deg deg ah. Gaar ah ku dar muddo cusub oo gaaban si aad u aragto isbeddelka u dhexeeya lacag bixinta bil kasta iyo faa'iidada nolosha oo la badbaadiyey.
Ma dib u maalgashiga dib u bilaabaan mortgageyga?
A qiimaha-iyo-muddada dib u maalgelinta bedeli lacagta hore la mid cusub oo ku saabsan muddo cusub, sidaas daraaddeed, saacadda dib u bilaabaan. Doorashada muddo cusub oo la mid ah oo aad ka hadhay sano ka hortagtaa fiicnaanaya taariikhda payoff inta ay weli qabtaan qiimaha hooseeya.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.