抵押贷款再融资盈亏平衡计算器
抵押贷款再融资需要多长时间才能实现收支平衡?这取决于多种因素,包括您当前的利率、新的潜在利率、过户成本以及您计划的工作时长。使用此计算器来梳理困惑,并确定为您的抵押贷款再融资是否是一个合理的财务决定。单击“查看报告”按钮可详细查看您的记录。
总储蓄与预付还款 11 个月
Calculators provided by bchrt.com
您的再融资付款每月减少 574 元。
原始抵押贷款 按空格键隐藏输入 |
原始月付款:¥1,621
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[-] |
- Original mortgage amount
- Original amount of your mortgage.
¥0k
¥200k
¥500k
¥1百万
- Appraised value
- The appraised value of your home when you purchased it.
¥0k
¥200k
¥500k
¥1百万
- Current interest rate
- The annual interest rate for the original loan.
1%
9%
17%
25%
- Current term in years
- Total length of your current mortgage in years.
1
10
19
40
- Years remaining
- Number of years remaining on your current mortgage.
1
10
20
30
- Income tax rate
-
Your current income tax rate. Use the table below to assist you in estimating your federal tax rate.
Filing Status and Income Tax Rates 2017* Tax Rate Married Filing Jointly or Qualified Widow(er) Single Head of Household Married Filing Separately 10% ¥0 - ¥18,650 ¥0 - ¥9,325 ¥0 - ¥13,350 ¥0 - ¥9,325 15% ¥18,650 - ¥75,900 ¥9,325 - ¥37,950 ¥13,350 - ¥50,800 ¥9,325 - ¥37,950 25% ¥75,900 - ¥153,100 ¥37,950 - ¥91,900 ¥50,800 - ¥131,200 ¥37,950 - ¥76,550 28% ¥153,100 - ¥233,350 ¥91,900 - ¥191,650 ¥131,200 - ¥212,500 ¥76,550 - ¥116,675 33% ¥233,350 - ¥416,700 ¥191,650 - ¥416,700 ¥212,500 - ¥416,700 ¥116,675 - ¥208,350 35% ¥416,700 - ¥470,700 ¥416,700 - ¥418,400 ¥416,700 - ¥444,550 ¥208,350 - ¥235,350 39.6% Over ¥470,700 Over ¥418,400 Over ¥444,550 Over ¥235,350 *Caution: Do not use these tax rate schedules to figure 2016 taxes. Use only to figure 2017 estimates. Source: Rev. Proc. 2016-55
0%
16%
33%
50%
报告摊销:
新房贷 按空格键显示输入 |
新的每月付款:¥ 1,047
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[+] |
Check here:
- Calculate balance
- To let the calculator determine your remaining balance, based on your original loan information and years remaining, check this box. To enter your own amount, leave this box unchecked.
- Loan balance
- Balance of your mortgage that will be refinanced.
¥0k
¥200k
¥500k
¥1m
- Current appraised value
- The current appraised value of your home.
¥0k
¥200k
¥500k
¥1m
- New interest rate
- The annual interest rate for the new loan.
1%
9%
17%
25%
- New term in years
- Number of years for your new loan.
1
10
19
40
- Loan origination rate
- This is the percentage of the new mortgage that is paid to the lender as the loan origination fee. Typically, this fee is 1% of the loan balance.
0%
3%
6%
10%
- Points paid
- This is the number of points paid to the lender to reduce the interest rate on the mortgage. Each point costs 1% of the new loan amount.
-4
0
4
8
- Other closing costs
- Estimate of all other closing costs for this loan. This should include filing fees, appraiser fees and any other miscellaneous fees paid.
¥0
¥1k
¥5k
¥10k
Check here:
- Monthly PMI payment
- Monthly cost of Principal Mortgage I