Kikokotoo cha kukopa upya (refinance)
Linganisha mkopo wako wa sasa wa nyumba na mpya na uone akiba ya kila mwezi na muda wa kurudisha gharama.
Kuhusu Kikokotoo cha kukopa upya (refinance)
Linganisha mkopo wako wa sasa wa nyumba na mpya na uone akiba ya kila mwezi na muda wa kurudisha gharama.
Sehemu ya kitengo cha “Mikopo ya nyumba na mali isiyohamishika” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha kukopa upya (refinance)
Kinachohesabu na wakati wa kukitumia
Linganisha mkopo wako wa sasa wa nyumba na mpya ili kuona akiba ya kila mwezi, hatua ya kurudisha gharama za ada za kubadilisha na gharama ya jumla katika kipindi cha mikopo.
Jinsi ya kukitumia, hatua kwa hatua
- Weka salio lako la sasa, kiwango na miaka iliyobaki.
- Weka kiwango kipya na muda, na ada za kubadilisha.
- Weka tiki kwenye kisanduku ikiwa ada zitaongezwa kwenye mkopo mpya.
- Linganisha muda wa kurudisha gharama na muda unaotarajia kuendelea na mkopo.
Maana ya kila ingizo
- Current Salio na kiwango – What you owe na your current Kila mwaka kiwango.
- New kiwango na Muda – The offered Kila mwaka kiwango na urefu huko miaka.
- Fees hadi switch – Arrangement, valuation, legal na exit fees.
- Ongeza fees hadi loan – Rolls the fees into the new balance instead of paying them up front.
Jinsi ya kusoma matokeo
- Kila mwezi Mabadiliko – Current payment minus the new payment.
- Kiwango cha kurudisha gharama – Fees ÷ Kila mwezi Akiba.
- Jumla Inalipwa – All payments over each loan, plus fees if paid up front.
Fomula
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.
Mfano uliofanyiwa kazi
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.
Dhana na mipaka
- Both rates are fixed.
- A longer new term lowers the payment but can raise the total cost; the result flags this.
- Kodi, cash-out na changes hadi insurance are not modelled.
Makosa ya kawaida
- Ignoring early repayment charges on the old loan.
- Resetting hadi a 30-year term na ignoring the Ziada Riba.
Maswali yanayoulizwa mara kwa mara
Kiwango kipya kinapaswa kuwa chini kiasi gani?
Hakuna kanuni maalum. Kinachojalisha ni kama akiba ya kila mwezi inarudisha ada zako kabla hujahama au kubadilisha tena.
Je, niweke ada ndani ya mkopo?
Inaokoa pesa taslimu leo lakini unalipa riba juu ya ada. Linganisha njia zote mbili.
Zana zinazohusiana
Maelezo
- Kiwango cha kurudisha gharama
- 1 mwaka, 8 mieziMuda kwa monthly savings hadi repay the fees
- Jumla Inalipwa, current loan
- £543,996.49
- Jumla Inalipwa, new loan
- £495,859.93including fees
- Difference over the loans
- £48,136.56cheaper hadi switch
- New loan Kiasi
- £250,000.00