learn.howToCalculate
learn.whatIsHeading
Refinance breakeven determines how many months you must keep a refinanced loan to recover closing costs. Compares current and new loan expenses to find the payoff point.
공식
Breakeven months = Refinance costs / Monthly savings
단계별 가이드
- 1Calculate refinance costs (appraisal, title, processing)
- 2Find monthly payment difference between loans
- 3Divide total costs by monthly savings
풀어진 예시
입력
Costs: $3k, Monthly saving: $200
결과
Breakeven: 15 months
Keep loan 15+ months to benefit
피해야 할 일반적인 실수
- ✕Ignoring prepaid interest and fees
- ✕Not accounting for tax deduction changes
계산할 준비가 되셨나요? 무료 Refinance Break-Even 계산기를 사용해 보세요
직접 시도해 보세요 →