抵押贷款再融资计算器 | money-calc.com

免费再融资计算器。计算月还款节省额、盈亏平衡月数和扣除结清费用后的终身利息节省额。

每次再融资都必须通过的两项检验

再融资必须跨过短期和长期两道门槛。短期：每月节省的金额必须收回交易费用——盈亏平衡点就是交易费用 ÷ 每月节省额。长期：新贷款整个期限的总利息加上交易费用，必须低于旧贷款剩余的利息。计算器从完整的摊还计划表得出这两项，而非依赖经验法则。

以假设利率给出的算例

余额300,000 $按7 %、剩余25年，每月需2,120.34 $。再融资为5.5 %、25年期贷款后，每月为1,842.26 $——每月节省278.08 $。在交易费用6,000 $的情况下，盈亏平衡点约在21.6个月，扣除费用后的终身节省达到77,422.53 $。利率仅为示意；实际报价、税费各不相同，故请将结果视为信息性参考。

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.