这个 refinance 值得花时间搞吗？ (转载)# Living
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【 以下文字转载自 Money 讨论区 】
发信人: lombroso (回归休伦), 信区: Money
标 题: 这个 refinance 值得花时间搞吗？
发信站: BBS 未名空间站 (Thu Jan 7 11:19:28 2016, 美东)
忙得半死还被起意要做 refinance。各位大侠看看我下面的大概计算对不对？假设我们
每月都只想付minimum。抱歉下面是英文打好给一个朋友看的，懒的改了。
Our current rate = 4.25, monthly principal + interest = $2,411 for loan $490
,000
if refinance rate is 3.875, monthly principal + interest = $2,304.
Total saving in 360 months = $(2,411 - 2,304) x 360 = $38,520.
We will have paid 14 months until closing, so in the new term we will pay 14
months more, which is $2,304 x 14 = $32,256.
The total saving is $38,520 - $32,256 = $6,264.
if refinance rate is 3.75, monthly principal + interest = $2,269.
Total saving in 360 months = $(2,411 - 2,269) x 360 = $51,120.
We will have paid 14 months until closing, so in the new term we will pay 14
months more, which is $2,269 x 14 = $31,766.
The total saving is $51,120 - $31,766 = $19,354.
So in our case, it seems that it is not worthy at all of all the trouble if
we can only save $6k in long run for the rate of 3.875. If the rate can be
3.75 and saving is $19K, we should give it a shot.
各位大侠帮忙看看？谢了先！
发信人: lombroso (回归休伦), 信区: Money
标 题: 这个 refinance 值得花时间搞吗？
发信站: BBS 未名空间站 (Thu Jan 7 11:19:28 2016, 美东)
忙得半死还被起意要做 refinance。各位大侠看看我下面的大概计算对不对？假设我们
每月都只想付minimum。抱歉下面是英文打好给一个朋友看的，懒的改了。
Our current rate = 4.25, monthly principal + interest = $2,411 for loan $490
,000
if refinance rate is 3.875, monthly principal + interest = $2,304.
Total saving in 360 months = $(2,411 - 2,304) x 360 = $38,520.
We will have paid 14 months until closing, so in the new term we will pay 14
months more, which is $2,304 x 14 = $32,256.
The total saving is $38,520 - $32,256 = $6,264.
if refinance rate is 3.75, monthly principal + interest = $2,269.
Total saving in 360 months = $(2,411 - 2,269) x 360 = $51,120.
We will have paid 14 months until closing, so in the new term we will pay 14
months more, which is $2,269 x 14 = $31,766.
The total saving is $51,120 - $31,766 = $19,354.
So in our case, it seems that it is not worthy at all of all the trouble if
we can only save $6k in long run for the rate of 3.875. If the rate can be
3.75 and saving is $19K, we should give it a shot.
各位大侠帮忙看看？谢了先！
