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。

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.