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本帖最后由 每天一点 于 2009-5-11 10:33 编辑
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我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2, W7 c5 N8 @+ h9 w- J5 \, _
即使按照3.35%,按照转过去之后35年贷款计,你3年之后37.33,也就是说,你总共就还了37.8-37.33=0.47w,也就是4700块本金。也就是还了3个月本金,其他33个月都在还利息和罚金。
! o. `- G) m' \0 A" [8 ]& K& g可能相比来说,还是不折腾得时候剩的本金要少。/ u: c' I; {0 k5 e; p j
具体情况见下表
7 a: ?1 n# `1 i5 w# h1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
) h6 K p" }7 X- H8 L7 V2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 + P5 S; e( J$ g+ X
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 6 \4 ?& v7 k& ` \9 D! E/ [8 Z2 j
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22
& [; L1 e1 s0 U: O6 X9 S5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 6 w& i/ Z7 p/ h8 h# d" }6 h
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
6 K6 V9 `1 {. G% h7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
0 ^6 F3 \) {6 g; O8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27
( {( ~& m3 {2 k& k, U3 }0 a) I9 O9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30
+ M7 W9 Z6 O) u" `) h10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
2 u2 l& x+ z! p& B% I11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
2 ?9 P; |& T9 |3 p- c12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
, D. a+ X4 I/ ^2 y& g13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 ; c: O2 H1 L2 W1 S/ t8 ^' ]
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 : f! W( W4 P9 B0 N/ {' ^
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82 % b e$ P3 F5 [4 B) R+ ?
16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
- K5 T/ f0 @* Y' v17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61
+ _' y0 y! x, U; H! `4 p% w18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86
& J, b" X- g6 I2 D* D, Q6 d19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
0 j0 j9 |( b/ b# i* _( c8 }20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
. `& X+ e% Q6 r1 v21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
- T: H) i8 A3 G$ k& |5 ~22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
4 W: t; N5 S6 J23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
3 ?% S: r# d! c5 N8 x3 q24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 1 ^) E7 Z l% X* h; C
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
$ s& y8 G. h# d1 J* y26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 . r' J g( c5 \9 I3 [- x% `
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 6 i& T. V- C! r6 R
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 * M1 S8 u3 p! o3 z
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
5 A5 U5 P9 Q/ E$ ]1 K& l L30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
+ j2 q7 ?" }/ r. s31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54 8 S$ k* z+ O$ L4 m' _# {
32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 ! y6 g9 A( ~: ], i
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 0 U3 [+ o% N* z* j
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
' h; p; e' }* j35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 ; v2 A/ L2 A2 H6 V
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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