Na'urar lissafin sake lamuni (refinance)
Kwatanta jinginar gidanku na yanzu da sabuwa, ku ga abin da za ku tara a wata da lokacin da za ku dawo da kuɗin canjin.
Game da Na'urar lissafin sake lamuni (refinance)
Kwatanta jinginar gidanku na yanzu da sabuwa, ku ga abin da za ku tara a wata da lokacin da za ku dawo da kuɗin canjin.
Ɓangare ne na sashen “Jinginar gida & gidaje” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin sake lamuni (refinance)
Abin da yake lissafawa da lokacin amfani da shi
Kwatanta jinginar gidanku na yanzu da sabuwa don ganin ajiyar wata-wata, wurin daidaitawa (break-even) na kuɗaɗen canjawa da jimillar kuɗi a tsawon lamunin.
Yadda ake amfani da shi, mataki-mataki
- Shigar da sauran bashinku na yanzu, kashi da shekarun da suka rage.
- Shigar da sabon kashi da wa'adi, da kuɗaɗen canjawa.
- Yi alama a akwatin idan za a ƙara kuɗaɗen a cikin sabon lamunin.
- Kwatanta lokacin break-even da tsawon lokacin da kuke tsammanin riƙe lamunin.
Ma'anar kowace shigarwa
- Current Saura da kashi – What you owe da your current Kowace shekara kashi.
- New kashi da Wa'adi – The offered Kowace shekara kashi da tsawo a shekaru.
- Fees zuwa switch – Arrangement, valuation, legal da exit fees.
- Ƙara fees zuwa loan – Rolls the fees into the new balance instead of paying them up front.
Yadda ake karanta sakamako
- Kowane wata Canji – Current payment minus the new payment.
- Wurin daidaita riba da asara – Fees ÷ Kowane wata Ajiya.
- Jimilla An biya – All payments over each loan, plus fees if paid up front.
Dabarar lissafi
Payment = P × r ÷ (1 − (1 + r)^−n) for each loan. Break-even months = switching fees ÷ monthly saving. Total cost compares payment × months on each loan.
Misali da aka warware
A 250,000 balance at 6.75% with 27 years left costs 1,679.00 a month. A new 5.75% loan for 27 years with 3,000 of fees costs 1,521.17, a saving of 157.83 a month. The fees are repaid in 1 year 8 months, and the total saving over the loans is about 48,137.
Zato da iyakoki
- Both rates are fixed.
- A longer new term lowers the payment but can raise the total cost; the result flags this.
- Haraji, cash-out da changes zuwa insurance are not modelled.
Kurakuran da aka saba yi
- Ignoring early repayment charges on the old loan.
- Resetting zuwa a 30-year term da ignoring the Ƙari Kuɗin ruwa.
Tambayoyin da ake yawan yi
Yaya ƙasa sabon kashin dole ya kasance?
Babu tsayayyiyar doka. Abin da ke da muhimmanci shi ne ko ajiyar wata-wata za ta biya kuɗaɗenku kafin ku ƙaura ko ku sake canjawa.
Shin in saka kuɗaɗen a cikin lamunin?
Yana ajiye tsabar kuɗi a yau amma kuna biyan kuɗin ruwa a kan kuɗaɗen. Kwatanta hanyoyin biyu.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Wurin daidaita riba da asara
- 1 shekara, 8 watanniLokaci akan monthly savings zuwa repay the fees
- Jimilla An biya, current loan
- £543,996.49
- Jimilla An biya, new loan
- £495,859.93including fees
- Difference over the loans
- £48,136.56cheaper zuwa switch
- New loan Adadi
- £250,000.00