aw
发帖数: 127 | 1 30年SPREADSHET太长(360)，贴不下，摘几个点。
300K LOAN
5% RATE
30 FIX
MONTH 1 360.46 (P)，1,250.00(I)， 299,639.54 (B)
MONTH 180 (15年后) 758.75(P)， 851.71 (I)， 203,651.73 (B)
MONTH 360 (YES， THANK GOD！) 1,603.78(P)， 6.68 (I)， 0(B)
前15年： | y*****g
发帖数: 9 | 2 The basis for our talking:
1. There is no cost , no fee for refi ( there will no hidden fee, if so, we
are not talking about it, you can always got cheated by someone else, bank,
broker, ...)
2. There is no penalty for advance payment for your new loan
3. you will put the saving from lower interest back to your loan (advance
payment).
Then the conclusion is
1. You can easily catch up your old loan schedule and you can save.
2. if you put all your saving from lower interest back, you can pay
【在 aw 的大作中提到】
: 30年SPREADSHET太长(360)，贴不下，摘几个点。
: 300K LOAN
: 5% RATE
: 30 FIX
: MONTH 1 360.46 (P)，1,250.00(I)， 299,639.54 (B)
: MONTH 180 (15年后) 758.75(P)， 851.71 (I)， 203,651.73 (B)
: MONTH 360 (YES， THANK GOD！) 1,603.78(P)， 6.68 (I)， 0(B)
: 前15年：
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