Hesabu ya Juu
Linganisha rehani yako ya sasa na kiwango kipya cha fedha na upate alama ya mapumziko.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Jambo hilo la kuacha linafanikiwaje?
Break-even months = closing costs ÷ monthly saving. If refinancing saves 180 a month and costs 4,000, you break even in about 22 months; keep the loan longer than that and you come out ahead.
Je, kupanua neno hilo kwaweza kufuta uokoaji?
Kufuatilia usawaziko wa miaka 25 katika kipindi cha miaka 30 hivi hupunguza malipo ya kila mwezi lakini hufuta, kwa hiyo unaweza kulipa riba ya jumla hata kwa kiwango cha chini. Linganisha gharama, si tu kiasi cha kila mwezi.
Kiwango hicho chahitaji kuwa cha chini kadiri gani ili kirekebishwe?
There is no fixed threshold — what matters is whether the monthly saving recovers the closing costs before you move or refinance again. A common rule of thumb is at least 0.5–1% lower, but the break-even here is the real test.
Ni nini gharama za kawaida za kurejesha gharama za mwisho?
They usually run about 2–5% of the loan balance and cover lender fees, appraisal, title and taxes. Some lenders offer a "no-cost" refinance that rolls these into the rate or balance instead, which raises the break-even but avoids upfront cash.
Je, nirudie kipindi kifupi zaidi?
Kama unaweza kulipa deni la juu zaidi, kuweka muda mfupi kwa kiwango cha chini zaidi kwaweza kuokoa kiasi kikubwa cha riba na kujenga usawa kwa haraka zaidi.
Je, kurekebisha upya amana yangu?
Kurudisha upya mkopo mpya wa zamani kwa muda mpya, kwa hiyo, saa inakwenda sambamba na miaka inayobaki na unaepuka kujinyoosha kwa tarehe ya malipo na bado inajishindia kiwango cha chini.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.