套现再融资计算器
评估套现再融资的可提取金额和新还款条件。
Net Cash Received
$50,000
Net Cash Received vs Remaining Years on Current Loan
公式
## Cash-Out Refinance Overview A cash-out refinance replaces your existing mortgage with a new, larger loan. The difference between the new loan and your old balance is paid to you as cash. ### How It Works 1. New Loan Amount = Current Balance + Cash-Out + Closing Costs 2. You receive the cash-out amount at closing 3. Your payment is recalculated on the new, larger balance ### When It Makes Sense - Consolidating high-interest debt - Funding home improvements that increase value - Investing in additional property - When the new rate is similar to or lower than your current rate ### Risks - Increases your total debt and LTV - Resets your amortization clock - Closing costs reduce the effective cash received
计算示例
A $500,000 home with $300,000 balance at 6.5% (25 years remaining). Cash out $50,000 with a new 30-year loan at 7% with $6,000 closing costs.
- 01New loan amount: $300,000 + $50,000 + $6,000 = $356,000
- 02New LTV: $356,000 / $500,000 = 71.2%
- 03Current payment: $300,000 over 25 years at 6.5% = $2,028.28/month
- 04New payment: $356,000 over 30 years at 7% = $2,368.44/month
- 05Payment increase: $2,368.44 - $2,028.28 = $340.16/month
- 06You receive $50,000 cash at closing
常见问题
How much cash can I take out in a refinance?
Most lenders allow a maximum 80% LTV for a cash-out refinance. On a $500,000 home, that means a maximum loan of $400,000. After paying off your existing balance and closing costs, the rest is your cash-out.
Is a cash-out refinance better than a HELOC?
A cash-out refi gives a fixed rate on the entire amount but resets your mortgage term. A HELOC has a variable rate but keeps your existing mortgage intact. Cash-out refi is better if rates are favorable; HELOC is better for smaller, short-term needs.
Are there tax implications for a cash-out refinance?
The cash-out proceeds are not taxable income. However, mortgage interest is only deductible on the portion used to buy, build, or substantially improve your home. Interest on cash used for other purposes is generally not deductible.