d********f
发帖数: 43471 | 1 【 以下文字转载自 WaterWorld 讨论区 】
发信人: namur (namur), 信区: WaterWorld
标 题: 既然，你们都这么聪明，我就给你们算个明细，不要想当然啊
发信站: BBS 未名空间站 (Wed Apr 10 17:04:20 2013, 美东)
房子40万，首付20%，30年，按3.5%贷30年，五年后改成3.25% 30年，来算算。
Mortgage Summary
Loan amount $320,000.00
Term 30 years
Interest rate 3.5%
Annual home insurance $0.00
Annual property taxes $0.00
Monthly payment (PI) $1,436.94
Monthly payment (PITI)* $1,436.94
Total principal and interest payments $517,300.17
Total interest $197,300.17
前五年的Cash Flow
Nbr Payment PrincipalInterest EndingPrincipalBalance
$320,000.00
1 $1,436.94 $503.61 $933.33 $319,496.39
2 $1,436.94 $505.08 $931.86 $318,991.31
3 $1,436.94 $506.55 $930.39 $318,484.76
4 $1,436.94 $508.03 $928.91 $317,976.73
5 $1,436.94 $509.51 $927.43 $317,467.22
6 $1,436.94 $510.99 $925.95 $316,956.23
7 $1,436.94 $512.48 $924.46 $316,443.75
8 $1,436.94 $513.98 $922.96 $315,929.77
9 $1,436.94 $515.48 $921.46 $315,414.29
10 $1,436.94 $516.98 $919.96 $314,897.31
11 $1,436.94 $518.49 $918.45 $314,378.82
12 $1,436.94 $520.00 $916.94 $313,858.82
13 $1,436.94 $521.52 $915.42 $313,337.30
14 $1,436.94 $523.04 $913.90 $312,814.26
15 $1,436.94 $524.57 $912.37 $312,289.69
16 $1,436.94 $526.10 $910.84 $311,763.59
17 $1,436.94 $527.63 $909.31 $311,235.96
18 $1,436.94 $529.17 $907.77 $310,706.79
19 $1,436.94 $530.71 $906.23 $310,176.08
20 $1,436.94 $532.26 $904.68 $309,643.82
21 $1,436.94 $533.81 $903.13 $309,110.01
22 $1,436.94 $535.37 $901.57 $308,574.64
23 $1,436.94 $536.93 $900.01 $308,037.71
24 $1,436.94 $538.50 $898.44 $307,499.21
25 $1,436.94 $540.07 $896.87 $306,959.14
26 $1,436.94 $541.64 $895.30 $306,417.50
27 $1,436.94 $543.22 $893.72 $305,874.28
28 $1,436.94 $544.81 $892.13 $305,329.47
29 $1,436.94 $546.40 $890.54 $304,783.07
30 $1,436.94 $547.99 $888.95 $304,235.08
31 $1,436.94 $549.59 $887.35 $303,685.49
32 $1,436.94 $551.19 $885.75 $303,134.30
33 $1,436.94 $552.80 $884.14 $302,581.50
34 $1,436.94 $554.41 $882.53 $302,027.09
35 $1,436.94 $556.03 $880.91 $301,471.06
36 $1,436.94 $557.65 $879.29 $300,913.41
37 $1,436.94 $559.28 $877.66 $300,354.13
38 $1,436.94 $560.91 $876.03 $299,793.22
39 $1,436.94 $562.54 $874.40 $299,230.68
40 $1,436.94 $564.18 $872.76 $298,666.50
41 $1,436.94 $565.83 $871.11 $298,100.67
42 $1,436.94 $567.48 $869.46 $297,533.19
43 $1,436.94 $569.13 $867.81 $296,964.06
44 $1,436.94 $570.79 $866.15 $296,393.27
45 $1,436.94 $572.46 $864.48 $295,820.81
46 $1,436.94 $574.13 $862.81 $295,246.68
47 $1,436.94 $575.80 $861.14 $294,670.88
48 $1,436.94 $577.48 $859.46 $294,093.40
49 $1,436.94 $579.17 $857.77 $293,514.23
50 $1,436.94 $580.86 $856.08 $292,933.37
51 $1,436.94 $582.55 $854.39 $292,350.82
52 $1,436.94 $584.25 $852.69 $291,766.57
53 $1,436.94 $585.95 $850.99 $291,180.62
54 $1,436.94 $587.66 $849.28 $290,592.96
55 $1,436.94 $589.38 $847.56 $290,003.58
56 $1,436.94 $591.10 $845.84 $289,412.48
57 $1,436.94 $592.82 $844.12 $288,819.66
58 $1,436.94 $594.55 $842.39 $288,225.11
59 $1,436.94 $596.28 $840.66 $287,628.83
60 $1,436.94 $598.02 $838.92 $287,030.81
五年后，贷款还是287，030.81，开始改贷成3.25% 30年fix
Mortgage Summary
Loan amount $287,031.00
Term 30 years
Interest rate 3.25%
Annual home insurance $0.00
Annual property taxes $0.00
Monthly payment (PI) $1,249.18
Monthly payment (PITI)* $1,249.18
Total principal and interest payments $449,703.20
Total interest $162,672.20
如果不改付共付$517,300.17
Interest付了$197,300.17。
Refinance之后：
共付1436.94×60 + $449,703.20 = $535,919.60
Interest付了$53,247.21 + $162,672.20 = $215,919.41
是不是都识数，自己算算？ | n***d
发帖数: 8857 | 2 JP?
【在 d********f 的大作中提到】
: 【 以下文字转载自 WaterWorld 讨论区 】
: 发信人: namur (namur), 信区: WaterWorld
: 标 题: 既然，你们都这么聪明，我就给你们算个明细，不要想当然啊
: 发信站: BBS 未名空间站 (Wed Apr 10 17:04:20 2013, 美东)
: 房子40万，首付20%，30年，按3.5%贷30年，五年后改成3.25% 30年，来算算。
: Mortgage Summary
: Loan amount $320,000.00
: Term 30 years
: Interest rate 3.5%
: Annual home insurance $0.00
| R******d
发帖数: 5739 | 3 借钱不付利息？
【在 n***d 的大作中提到】
: JP?
| d********f
发帖数: 43471 | 4 常见错误啊
【在 n***d 的大作中提到】
: JP?
| d**********t
发帖数: 20415 | 5 一个30年一个35年贷款吧？
【在 d********f 的大作中提到】
: 常见错误啊
| d********f
发帖数: 43471 | 6 而且怎么会有ｎｃ ｒｅｆｉｎａｎｃｅ从３．５到３．２５的
【在 d**********t 的大作中提到】
: 一个30年一个35年贷款吧？
| R**N
发帖数: 453 | 7 如果完全no cost，签个名就给refi，利率降0.25%，当然可以做。
【在 d********f 的大作中提到】
: 而且怎么会有ｎｃ ｒｅｆｉｎａｎｃｅ从３．５到３．２５的
| k**l
发帖数: 2966 | 8 -0.25现在agent给做，-0.125他们就不做了（虽然我不知道为什么,如果ARM +0.125都
说不定划算呢）
【在 d********f 的大作中提到】
: 而且怎么会有ｎｃ ｒｅｆｉｎａｎｃｅ从３．５到３．２５的
| R******d
发帖数: 5739 | 9 现在很多no point no fee, 只要银行愿意， agent能收到钱就做。 不过一般人做一
次要等三到六个月才能再做， 还要递各种材料， 房子股价， 太麻烦
【在 d********f 的大作中提到】
: 而且怎么会有ｎｃ ｒｅｆｉｎａｎｃｅ从３．５到３．２５的
| n***d
发帖数: 8857 | 10 为什么不做？
【在 d********f 的大作中提到】
: 而且怎么会有ｎｃ ｒｅｆｉｎａｎｃｅ从３．５到３．２５的
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