再融资计算器
比较一下目前的抵押贷款利率 找到平衡点
输入结果时更新 。
关于此计算器
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.
经常问到的问题
平衡点怎么用?
每月储蓄。如果再融资每月节省180美元,花费4,000美元,那么大约22个月中你就会中断;贷款时间要长一些,然后你就会走出来。
是否可延长这个术语,
是的。 将25年余额再融资再注入一个新的30年期,会降低月付款额,但会拉长还款时间,这样即使利率更低,你也可以支付更多的利息。与总成本相比,而不仅仅是月数字。
再筹资需要多少低?
不存在固定门槛值 — — 重要的是每月储蓄是否收回了移动前的结算成本或再次融资。 共同的拇指规则至少要低0.5-1 %, 但平衡是真正的考验。
典型的再融资关闭成本是什么?
贷款额通常占贷款余额的2—5%左右,包括贷款人费用、评估、产权和税收。 一些放款人提供“无成本”再融资,将这些再融资纳入利率或余额,这提高了收支平衡,但避免了预付现金。
我应该再融资到短期吗?
如果您能处理更高的付款,以较低的利率向短期再融资可以节省大量利息,并更快地建立股本。输入一个较短的新期限,以看到每月付款与终生利息之间的权衡。
重新融资会重新开始我的抵押贷款吗?
利率和期中再融资用新期的新贷款取代旧贷款,因此,是的,时钟重新开始。 选择一个相当于剩余年的新任期可以避免延长偿还日期,同时仍然能抓住较低的偿还率。
API - 使用代码中的计算器
将此计算器称为自由 JSON 端点 。 不需要按键 。 将字段值发送到下面作为查询参数或 JSON 。 任何您省略的, 都会使用相同的默认值, 此页面预填的默认值是预填的; 未知参数是 400, 而不是静音零 。 读取 API 全部文件 →
终点
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);成果仅是一般指导的估计数,而不是财务、医疗或税务咨询。