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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 b/ V1 ]; c; o6 i: C1 \4 V
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。
+ B) I" J |3 O* w可能相比来说,还是不折腾得时候剩的本金要少。+ Z% w# I4 z+ e2 r
具体情况见下表) [% O. U, Y9 i& x& |
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 # R0 K" R. k% R% Q! `! n5 R
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
# B# E- ?$ r/ B6 P% H3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 y# z# d8 x- X2 n
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22
, ]' o4 V" s0 L8 U7 v0 [5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 - T6 {3 m, E- b' @
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03 0 x* T6 G" h4 e& l$ l7 r2 U
7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85 - x) n: l% N t/ N! A
8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27
4 Q6 A5 F, Z2 P& a! C9 z( c: ^9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30
, f: @# P) ]5 @# z( G' `; A2 `10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92 0 T: ~7 F8 M3 Q% O5 S
11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
# w; A, B( S9 t2 t7 Z! B12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 8 K1 z* x( c* {
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31
4 |$ Q+ W1 Q0 H) B" D+ T14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
/ A8 d( ^3 g% v3 u: u, P# G15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
, s7 n: Y b& h. x- h4 F16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
. f. j2 [+ u& ? y7 S) L17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 - G; S# V( C9 |6 G! }: ~7 @! f8 _
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 ; t$ }: }' H2 U: E8 v7 D
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 9 m4 n0 Z0 I; r
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
: P' z* v) K' y2 }; j* t7 n21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94 % D6 U x v" h3 G) k: ~5 I, j
22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
' W3 n8 N$ U' Y- X& b& b) O) X23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
2 q# g* i' k R* f; U24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 # @4 V$ C, H& k' X# O O9 ^ }
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
; z) I2 K- Y# N6 H26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 8 e7 l$ o3 [1 D6 I* ~
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 & S) \6 X* |4 l9 N# J7 k8 h0 n
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 2 g' O7 C. ^ U" Q8 ~: G
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63 0 b9 a0 z. k+ F# _
30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
! B4 X$ S, b" Y31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
5 J+ h% O9 g8 p. L/ M6 F5 p6 c C5 t32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 & V% u6 R; Y$ J6 r
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 4 z5 b& b8 b4 ]0 |/ S- d
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 4 }) z# N" \- U% f) d
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 - p: B: a1 s- Y9 V; E" a& J+ d
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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