Kalkulator refinancing
Bandhingake KPR panjenengan saiki karo sing anyar lan delengen irit-iritan saben sasi lan titik impase.
Babagan Kalkulator refinancing
Bandhingake KPR panjenengan saiki karo sing anyar lan delengen irit-iritan saben sasi lan titik impase.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator refinancing
Apa sing dietung lan kapan nganggo
Bandhingake KPR saiki karo sing anyar kanggo ndeleng irit-iritan saben sasi, titik impas biaya pindhah lan total biaya sajrone utangan.
Carane nganggo, langkah demi langkah
- Lebokna saldo saiki, suku bunga lan sisa taun.
- Lebokna suku bunga lan tenor anyar, lan biaya kanggo pindhah.
- Centhang kothak yen biaya bakal ditambahake ing utangan anyar.
- Priksa wektu impas dibandhingake suwene panjenengan arep nyekel utangan.
Tegese saben input
- Current Saldo lan tarif – What you owe lan your current Saben taun tarif.
- New tarif lan Tenor – The offered Saben taun tarif lan dawa ing taun.
- Fees nganti switch – Arrangement, valuation, legal lan exit fees.
- Tambah fees nganti loan – Rolls the fees into the new balance instead of paying them up front.
Carane maca asile
- Saben sasi Owah-owahan – Current payment minus the new payment.
- Titik impas – Fees ÷ Saben sasi Irit-iritan.
- Total Dibayar – All payments over each loan, plus fees if paid up front.
Rumus
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.
Conto petungan
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.
Asumsi lan watesan
- Both rates are fixed.
- A longer new term lowers the payment but can raise the total cost; the result flags this.
- Pajak, cash-out lan changes nganti insurance are not modelled.
Kesalahan umum
- Ignoring early repayment charges on the old loan.
- Resetting nganti a 30-year term lan ignoring the Tambahan Bunga.
Pitakonan sing kerep ditakokake
Sepira asor suku bunga anyar kudune?
Ora ana aturan tetep. Sing penting yaiku apa irit-iritan saben sasi bisa mbalekake biaya sadurunge panjenengan pindhah omah utawa ganti maneh.
Apa biaya kudu dilebokake ing utangan?
Iku ngirit dhuwit saiki nanging panjenengan mbayar bunga kanggo biaya kasebut. Bandhingake loro carane.
Piranti sing gegandhengan
Rincian
- Titik impas
- 1 taun, 8 sasiWektu kanggo monthly savings nganti repay the fees
- Total Dibayar, current loan
- £543,996.49
- Total Dibayar, new loan
- £495,859.93including fees
- Difference over the loans
- £48,136.56cheaper nganti switch
- New loan Jumlah
- £250,000.00