I-Calculator
Ulinganise i-hypothek yakho yamanje ne-rate entsha bese uthola indawo yokuyeka ukukhokha.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Usebenza kanjani umkhawulo wokuphazamisa?
Uma ukubuyiselwa kwemali kulondoloza ama-R180 ngenyanga futhi kubiza ama-R4,000, uzoba uqedile unyaka odlule ngenyanga ezingu-22; gcina imali engenayo ihlala isikhathi eside kunalokho bese uphuma phambili.
Ingabe ukudlulisa isikhathi kucisha ukugcinwa?
Yebo. Ukubuyiselwa kwemali yemali yeminyaka emi-25 ibe yiminyaka emi-30 emisha kunciphisa ukukhokha kwenyanga kodwa kuthuthukisa ukukhokha, ngakho ungakhokha imali eningi kakhulu yenzuzo naphezu kokuncipha kwesilinganiso. Qaphela izindleko eziphelele, hhayi kuphela inani lenyanga.
Ingabe isilinganiso sidinga ukuba siphansi kangakanani ukuze siphinde sikhokhwe?
Akukho umkhawulo eqinile - okwenzekayo ukuthi uma ukonga ngenyanga ithola izindleko ukuvala ngaphambi kokuba uhambe noma refinance futhi. Umthetho ojwayelekile wethumba kuncane 0.5-1% ngezansi, kodwa break-even lapha ukuhlolwa ngempela.
Yini izindleko ezijwayelekile zokuvala ukukhokhelwa kabusha?
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.
Ingabe kufanele ngiphinde ngikhokhe ngesikhathi esincane?
Uma ungaphatha inkokhelo ephakeme, ukudlulisa imali kusikhathi esincane ngezinga eliphansi kungagcina inani elikhulu lemali ekhokhwayo futhi kwakha izimali ezisebenza ngokushesha. Faka isikhathi esincane esitsha ukuze ubone ukuhweba phakathi kwemali ekhokhwayo ngenyanga nemali ekhokhwayo yokuphila.
Ingabe ukubuyiselwa kwemali kuqala kabusha i-hypotheque yami?
Izinga-nesikhathi sokubuyiselwa imali lishintsha izimali ezidala ngenye entsha ngesikhathi esisha, ngakho ke, ihora liqala kabusha. Ukukhetha isikhathi esitsha esilingana neminyaka ekhona kuvimbela ukunyakaza kwesikhathi sokubuyiselwa imali ngenkathi kugcinwa inani eliphansi.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.