Àwọn Ìṣàmúlò-ètò

Àwọn ìṣàfarawé àwọn àwọn ìṣàmúlò-ètò rẹ̀ láti inú àwọn àwọn ìṣàmúlò-ètò tuntun àti àwọn àwọn ààyè-iṣẹ́ àwọn ìṣàmúlò-ètò.

Àwọn ìṣàmúlò-ètò lọ́wọ́lọ́wọ́

Àwọn Òdúró

Àwọn ìṣàmúlò-ètò

Àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò tuntun

Àwọn àwọn ìrànwọ́

Ìṣàmúlò-ètò tuntun —

Ìpamọ́ Òjó —

Àkóónú àkójútó —

Àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ní àwọn ààyè-iṣẹ́ ìpàdá-ìpàdá ṣe n ṣiṣẹ́?

Break-even osu = titẹsi iye owo ÷ osu-ọna-ọna. Ti refinancing ṣii 180 osu kan ati iye owo 4,000, o ti pa ni o ni nipa 22 osu; tọju awọn owo-ori ti o ju ti o ti wa ni jade ni igbesẹ.

Àwọn àwọn ààtò àtòjọ-ẹ̀yàn

Ya. 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.

Ìgbà wo nínú àwọn ìṣàmúlò-ètò náà nínú àwọn

Ko si ohun ti o fi han nibẹ - ohun ti o ṣe pataki ni boya awọn ifowopamọ oṣuwọn gba pada awọn idiyele ti o ti pari ṣaaju ki o to lọ tabi ṣe ifowopamọ pada. A ofin ti o wọpọ ti awọn ọwọn jẹ 0.5-1% kere ju, ṣugbọn ipari-ilẹ nibẹ ni idanwo gidi.

Kini ìdí ti ìfilọ́wọ́lẹ̀ réfìnà tí a fi pamọ́?

Ni gbo, wọn n ṣiṣẹ nipa 2-5% ti iwuwo owo-ori ati pe wọn ni awọn idiyele ti o ni iwuwo, iwadi, akọle ati awọn owo-ori. Awọn oludokoowo diẹ nfunni ni "awọn idiyele ti ko ni idiyele" ti o n ṣe awọn wọnyi sinu iye tabi iwuwo ni ibẹrẹ, eyiti o mu ki o pọ si iwuwo ṣugbọn ko ni owo-ori.

Ńwò ní mò fi pamọ́ sínú àwọn à

Tí o bà lè gbọ́nú àwọn ìṣàmúlò-ètò tí o gà jú lọ, ìṣàmúlò-ètò tí a fi pamọ́ sí àwọn à

Ńlá àwọn àwọn ààyè-iṣẹ́ mìíràn?

A yí àwọn àwọn ìṣàmúlò-ètò-ati-àwọn ìṣàmúlò-ètò padà sí àwọn ìṣàmúlò-ètò tí a tí kọ́ nípa àwọn

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

GET https://calculator.free/api/v1/refinance/

curl

curl "https://calculator.free/api/v1/refinance/?balance=250000&current_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);

Results are estimates for general guidance only, not financial, medical or tax advice.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn