【 以下文字转载自 Money 讨论区 】 发信人: lana1972 (lana), 信区: Money 标 题: 哎呀,REFIANCE 在总体上并不一定合算是不是。 发信站: BBS 未名空间站 (Thu Nov 15 15:57:06 2012, 美东) 哎呀,REFIANCE 在总体上并不一定合算是不是。 Current mortgage: Premium and interest break down to each month: $1012, 30 year fixed rate 5.75 Paid already 1012*55 (months)=55660. Still Need to pay =1012*(360-55)= 308660 Proposed mortgage: interest break down to each month: $743, 30 year fixed rate 3.25 Then need to pay=743*360=267480, Considering I already paid for 55 months, so at the end of mortgage I will pay the total=55660+267480=323140 If doing refinance as proposed I will pay more (323140-308660)=14480 如果做REFINANCE, 在总数上(三十年中)我要多付出14000(30年后的现金)。 再考虑通货膨胀,现在每个月要少付300元。现在的每月300元能顶30年后的多少钱?3 倍?如果这样我今后四年省下300*55*3=66600 (相当于30年后的现金)那还是 REFINANCE 合算。不过我家房子现在的价格是20年前的一点没长,所以这个通膨胀很难 估计。Price of Food energy increased a lot. 然后付房子利息可以减税。”A home mortgage interest deduction allows taxpayers who own their homes to reduce their taxable income by the amount of interest” . 就是说付多少MORGAGE INTEREST 给贷款银行, 年末的时候IRS 都还 给你?那还纠结啥呢? 不用做了就是. 不做REFINANCE 了?