Cum se calculează Refinance Breakeven
Ce este Refinance Breakeven?
Refinance calculator determines if refinancing saves money by comparing closing costs to interest savings over remaining loan life.
Ghid pas cu pas
- 1Input original loan, new loan terms, closing costs
- 2Calculate monthly savings
- 3Find breakeven month (savings > costs)
Exemple rezolvate
Intrare
Refi $300k at 0.5% lower rate, $3000 costs
Rezultat
Breakeven in ~24 months, refinance if staying longer
Popular above 1% savings
Greșeli frecvente de evitat
- ✕Ignoring closing costs (significant)
- ✕Assuming you'll keep home long-term
Întrebări frecvente
Should I refinance?
If breakeven before selling/payoff and rate drops significantly (0.5%-1%+).
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