如何计算Refinance Breakeven
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Refinance calculator determines if refinancing saves money by comparing closing costs to interest savings over remaining loan life.
分步指南
- 1Input original loan, new loan terms, closing costs
- 2Calculate monthly savings
- 3Find breakeven month (savings > costs)
例题解析
输入
Refi $300k at 0.5% lower rate, $3000 costs
结果
Breakeven in ~24 months, refinance if staying longer
Popular above 1% savings
常见错误注意事项
- ✕Ignoring closing costs (significant)
- ✕Assuming you'll keep home long-term
常见问题
Should I refinance?
If breakeven before selling/payoff and rate drops significantly (0.5%-1%+).
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