如何计算Refinance Break-Even
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.
公式
Breakeven months = Refinance costs / Monthly savings
分步指南
- 1Calculate refinance costs (appraisal, title, processing)
- 2Find monthly payment difference between loans
- 3Divide total costs by monthly savings
例题解析
输入
Costs: $3k, Monthly saving: $200
结果
Breakeven: 15 months
Keep loan 15+ months to benefit
常见错误注意事项
- ✕Ignoring prepaid interest and fees
- ✕Not accounting for tax deduction changes
准备好计算了吗？尝试免费的 Refinance Break-Even 计算器
自己尝试一下 →