Refinance calculator

Cara menggunakan Refinance calculator

Apa yang dihitung dan kapan digunakan

Compare your current mortgage with a new one sampai see the monthly saving, the break-even point on switching fees, dan the total Biaya over the loans.

Cara menggunakan, langkah demi langkah

1. Enter your Arus Saldo, Suku bunga, dan Tahun left.
2. Enter the new Suku bunga dan term, dan the fees sampai switch.
3. Tick the dus if the fees will be added sampai the new loan.
4. Check the break-even Waktu against how long you expect sampai Pertahankan the loan.

Arti setiap input

• Arus Saldo dan Suku bunga – What you owe dan your Arus Tahunan Suku bunga.
• New Suku bunga dan Jangka waktu – The offered Tahunan Suku bunga dan panjang di tahun.
• Fees sampai switch – Arrangement, valuation, legal, dan exit fees.
• Add fees sampai loan – Gulungan the fees into the new Saldo instead paying them up front.

Cara membaca hasil

• Bulanan Perubahan – Arus payment minus the new payment.
• Titik impas – Fees ÷ Bulanan Penghematan.
• Total Dibayar – All payments over Per buah loan, plus fees if Dibayar up front.

Rumus

Payment = P × r ÷ (1 − (1 + r)^−n) seharga Per buah loan. Break-even bulan = switching fees ÷ Bulanan Penghematan. Total Biaya compares payment × bulan on Per buah loan.

Contoh perhitungan

A 250,000 balance at 6.75% with 27 years left costs 1,679.00 a month. A new 5.75% loan seharga 27 years with 3,000 fees costs 1,521.17, a saving 157.83 a month. The fees are repaid di 1 year 8 months,, dan the total saving over the loans adalah about 48,137.

Asumsi dan batasan

• Both rates are fixed.
• A longer new Jangka waktu lowers the payment but kaleng raise the total Biaya; the Hasil flags this.
• Pajak, cash-out, dan changes sampai insurance are not modelled.

Kesalahan umum

• Ignoring early repayment charges on the old loan.
• Resetting sampai a 30-year term dan ignoring the extra Bunga.

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