关于本计算器
Refinance math: new payment at the new rate and term, monthly savings and break-even months against closing costs.
再融资计算器
新月供、月节省与回本点。
输入计算参数
计算结果摘要
1,499 / 个月
+349 / 个月
新月供1,499
回本 (月)14 个月
常见问题
When to refinance?
Usually when rates dropped ~1%+ and you will stay past break-even.
What is break-even?
Closing costs divided by monthly savings, in months.
Longer term trap?
A lower payment can still cost more total interest over a reset 30 years.