抵押贷款比较计算器 — 公式

Comparing Mortgage Options

Comparing mortgages requires looking beyond the monthly payment to understand total cost over the loan life.

Key Comparison Factors

  • Monthly payment: Shorter terms have higher payments but lower total cost
  • Total interest: The true cost of borrowing over the full term
  • Opportunity cost: Lower payments free cash for other investments

    • Common Comparisons

  • 30-year vs 15-year fixed
  • Fixed rate vs ARM
  • Different lender offers
  • Buying points vs no points

    • Decision Framework

    Choose the lower payment if cash flow is tight or you can invest the difference at a return exceeding the rate savings. Choose the lower total cost if you plan to hold the loan to maturity.

    计算示例

    Comparing a $350,000 loan at 6.5% for 30 years vs 6.0% for 15 years.

    1. Loan A (30yr at 6.5%): $2,212.24/month
    2. Loan B (15yr at 6.0%): $2,953.98/month
    3. Monthly difference: $2,953.98 - $2,212.24 = $741.74
    4. Loan A total interest: $2,212.24 x 360 - $350,000 = $446,406
    5. Loan B total interest: $2,953.98 x 180 - $350,000 = $181,716
    6. Interest savings with Loan B: $446,406 - $181,716 = $264,690