주택담보대출 재융자 계산기 — 월 절감액 & 손익분기 | money-calc.com

무료 주택담보대출 재융자 계산기. 월 상환액 절감, 손익분기 시점(개월), 클로징 비용 차감 후 총 절약 이자를 즉시 계산합니다.

How to Use

  1. Current Loan Balance — Enter your remaining mortgage balance
  2. Current Rate & Term — Enter your current interest rate and remaining years
  3. New Rate & Term — Enter the new loan rate and term you are considering
  4. Closing Cost — Enter estimated closing costs for the refinance
  5. Calculate — Click Calculate to see monthly savings, break-even months, and lifetime savings

FAQ

How is the refinance break-even calculated?

Break-even = closing cost ÷ monthly savings. If you save $200/month and pay $4,000 in closing costs, you break even in 20 months.

Does extending the term save money?

Extending the term lowers monthly payments but increases total interest paid. The calculator shows lifetime savings net of closing costs so you can see the full picture.

What closing costs should I include?

Typical closing costs are 2–5% of the loan and include origination fees, appraisal, title insurance, and prepaid items. Get a Loan Estimate from your lender for exact figures.