Refinans
Häzirki ätiýaçlyky täze bir ätiýaçlyk bilen deňeşdir we ätiýaçlykyň öçüş nöklesini tap.
Netijeler ýazýan wagtyň täzelener.
Bu hasapçy hakda
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.
Köp soralýan soraglar
Break-even Point
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.
Tertibi uzaltmak gaýd edşi pozyp bilermi?
Eý. 25 ýyllyk balansy täze 30 ýyllyk möhlete täzeden maliýeleşdirmek aýlyk tölegi peseldip emma tölegi uzaldyp, siz az bir töleg bilen has köp töleg edip bilersiňiz. Sadece aýlyk däl, bütin tölegi deňeşdir.
How much lower does the rate need to be to refinance?
Bir belli bir çet bar däl - mesele aýlyk saklamanyň siz gitmezden öň ýa-da ýene maliýeleşdirmeden öň ýapyş bahasyny gaýtarmagymyka. Bir umumy çemeleşme 0.5-1% az, ýöne bu ýerde bir çeper testdir.
Refinansirlemegiň gapylary nädip açylýar?
Olar adatça karz balansynyň 2-5% çemesi işleýär we karz berijiniň töleglerini, bahasyny, adyny we salgytlaryny öz içine alýar. Baýry karz berijiler "mugt" refinansiýa hödürleýär, bulary karzyň derejesine ýa-da balansyna goşýar, bu bolsa break-even-i ýokarlandyrýar, emma öňki karzdan gaça durulýar.
Men ýene bir gysga möhletde maliýeleşdirmelimi?
Eger siz ýokary tölegleri kabul edip bilersiňiz bolsa, gysga möhletli we az tölegli refinansing köp tölegleri tygşytlaýar we has çalt aktiwleri döretýär. Ýyllyk tölegler we ömrüň dowamyndaky tölegler arasyndaky alyş-çalşy görmek üçin gysga bir täze möhleti giriziň.
Refinansing meniň ipotekamy täzeden başladýarmy?
A rate-and-term refinance replaces the old loan with a new one on a fresh term, so yes, the clock restarts. Choosing a new term equal to your remaining years avoids stretching the payoff date while still capturing a lower rate.
API — bu hasapçyny koddan ullan
Bu hasapçyny boş JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Siziň goýmaýan hernäňiz şu sahypanyň öň bellenen öň bellenenini ulanýar; namydar parametr 400, hiç wagt sessiz sıfır däl. Eňlisçe senedleri oka →
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);Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, saglyk ýa-da salgyt maslahaty üçin däl.