I-Calculator ye-Refinance
Uthelekiso lwemali-mboleko yakho yangoku nexabiso elitsha kwaye ufumane indawo yokuyeka ukuhlawula
Iinketho ze projekti
Malunga nale Calculator
you’re not sure if you’re going to sell or refinance again, you can use the refinance calculator to find out the break-even point. The 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. 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 the saving is yours.It’s a tool that compares your current mortgage payment with a new loan at a different rate and term. It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current mortgage payment with a new loan at a different rate and term.It compares your current
Imibuzo ebuza rhoqo
Isebenza njani indawo yokuyeka ukunyuka kwexabiso?
Iinyanga ezi-12 ezi-
Ingaba ukunyusa ixesha lokuphumla kucima ulondolozo?
Ewe. Ukubuyisela imali kwimali ekhoyo kwiminyaka emi-25 kwixesha elitsha elineminyaka emi-30 kunyusa iindleko zonyaka kodwa kunyusa iindleko zonyaka, ukuze uhlawule iindleko ezingaphezulu, nokuba ziphantsi. Uthelekiso lweendleko ezipheleleyo, hayi kuphela ixabiso lenyanga.
Ingaba ixabiso kufuneka libe phantsi kangakanani ukuze kubuyiselwe imali?
Akukho mda omiselweyo - into ebalulekileyo kukuba ngaba ukonga kwenyanga kubuyisela iindleko zokuvala phambi kokuba uhambe okanye uphinde uhlawule kwakhona. Umthetho oqhelekileyo wokuba ugcine uphantsi ku 0.5-1% kodwa ukuphuma kwemali kuvavanyo oluyinyani.
Zithini iindleko eziqhelekileyo zokuvala ityala eliya kubuyiselwa imali?
Zihlala zisebenza malunga ne-2-5% yemali ekhoyo kwityala kwaye ziquka iindleko zomnikeli, uvavanyo, isihloko kunye neentlawulo. Abanye abaniki mali banikezela ngemali eyenziwe kwakhona "ngaxeshanye" eyenza ukuba iindleko zifike kwinqanaba okanye kwimali ekhoyo, enyusa ixabiso eliphantsi kodwa ithintela imali ekhoyo engaphambili.
Ngaba kufuneka ndiphinde ndihlawule kwakhona ngexesha elifutshane?
Ukuba ungakwazi ukuphatha ityala eliphezulu, ukutyala kwakhona kwixesha elifutshane ngexabiso eliphantsi kunokugcina inani elikhulu lenzuzo nokwakha ixabiso elifanayo likhawulezayo. Faka ixesha elifutshane elitsha ukujonga utshintshiselwano phakathi kwetyala lenyanga netyala elihlala ixesha elide eligcinwe.
Ingaba ukubuyiselwa kwemali kuqala kwakhona ityala lam?
Ukuphinda unikezelwe ngemali ngexabiso nexesha libuyisela ityala elidala ngelinye elitsha kwixesha elitsha, ngoko ke, ewe, intsimbi iqala kwakhona. Ukukhetha ixesha elitsha elilingana neminyaka engaphezulu akuyi kunyusa umhla wokuhlawula ngelixa ugcina ixabiso eliphantsi.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le kalkulator njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo engezantsi njengeparameter yombuzo okanye i-JSON. Funda i-API epheleleyo →
Incopho yesiphelo
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);IiNtlanganiso zeNtlanganiso yeNtlanganiso