免费再融资计算器
评估贷款再融资是否划算，比较新旧贷款的月供、总利息和节省金额。
每月储蓄
$347.48
Monthly Savings vs Years Remaining on Current Loan
公式
## How Refinance Savings Work Refinancing replaces your existing mortgage with a new one, ideally at a lower interest rate. Savings come from the difference in monthly payments. ### Key Factors - **Lower rate** = lower monthly payment - **New term length** affects total interest paid - **Closing costs** must be factored into break-even analysis Compare the total cost of remaining on your current loan vs the total cost of the new loan.
计算示例
You owe $250,000 at 7% with 25 years remaining. You can refinance at 5.5% for 30 years.
- 01Current monthly payment: $250,000 at 7% for 25 years = $1,767.63
- 02New monthly payment: $250,000 at 5.5% for 30 years = $1,419.47
- 03Monthly savings: $1,767.63 - $1,419.47 = $348.16
- 04Current total remaining cost: $1,767.63 * 300 = $530,289.00
- 05New total cost: $1,419.47 * 360 = $511,009.20
常见问题
When should I refinance my mortgage?
Refinancing typically makes sense when you can reduce your rate by at least 0.5-1%, plan to stay in the home long enough to recoup closing costs, and have good credit for the best rates.
What are typical refinance closing costs?
Closing costs typically range from 2-5% of the loan amount. On a $250,000 loan, expect $5,000-$12,500 in closing costs.
Should I refinance to a longer term?
A longer term lowers monthly payments but may increase total interest. Consider refinancing to the same or shorter term if you can afford the payments.
What is a break-even point when refinancing?
The break-even point is how long it takes for your monthly savings to cover the closing costs. Divide your total closing costs by your monthly savings. For example, $6,000 in closing costs with $200/month savings means a 30-month (2.5-year) break-even. Refinancing only makes sense if you plan to stay longer than that.
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