Cum se calculează Refinance Break-Even
Ce este Refinance Break-Even?
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.
Formulă
Breakeven months = Refinance costs / Monthly savings
Ghid pas cu pas
- 1Calculate refinance costs (appraisal, title, processing)
- 2Find monthly payment difference between loans
- 3Divide total costs by monthly savings
Exemple rezolvate
Intrare
Costs: $3k, Monthly saving: $200
Rezultat
Breakeven: 15 months
Keep loan 15+ months to benefit
Greșeli frecvente de evitat
- ✕Ignoring prepaid interest and fees
- ✕Not accounting for tax deduction changes
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