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本帖最后由 每天一点 于 2009-5-11 10:33 编辑 % D$ }4 v r8 m. y8 T1 J) |
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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: m" ^. H" U# I& `4 W- I l1 @8 y
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。
( _6 q0 y5 Q% C! S4 ?# G可能相比来说,还是不折腾得时候剩的本金要少。3 Y# V+ Q- x5 G
具体情况见下表% w: }7 H- B$ | D" ?7 Q
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 6 A T. J' [/ P. }5 b
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 " g, d! O) F; D R4 v! K
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23
* R- U$ a+ J; C4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22
0 \7 ~% w E6 B7 X5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82
% T5 u; L# w% X, J6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
: Z: X1 j1 V9 Z, A3 Q/ D7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
' m) W; S z( E9 c: D# V8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 + K; W) `3 h# G* ]8 i
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 / e* \' V% d9 t/ ^! p
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92 % `; m! s( K& }) ?
11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
9 n! e$ y: T1 A5 G& T12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
8 o) C6 I7 j# @4 v, F2 d+ `13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 ( e6 ~( `( ?5 c. T+ _! Z$ S+ n! U
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
8 X9 f& J3 X. B+ z, y% L15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82 * ?( w: @, [- L* m6 ~9 m r
16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93 2 a2 s, m. g) d
17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 ; U* \/ X( S4 l# G- l
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 + L& Y/ ~# \( j0 T2 S
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
- S" u, s8 r k: _3 n20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
% q. P* J) V# n21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94 * U( E; i' q1 \+ P7 l) n
22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40 3 C: w$ P, M7 U! i3 u
23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
! c* L/ Q- C5 D+ ?, F9 D' s24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 7 N% T' C P7 U5 {6 @. q9 U2 v
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
$ i1 r' ]' n/ F) ]4 W% u4 _7 L26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 & N" i- T3 Z1 ^" A& z
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78
$ u2 W4 i' K" v- Q28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
5 v0 Y& I; E8 T) v% C29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
: b0 [: m* n- R30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
6 ]* w1 o7 p& Q0 t j31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
. a& P; S: ]7 {" {: s) R32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 * z3 i+ }9 K% m& @% M0 k r
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 0 D; H& \* j3 K: I1 S5 h- ~% n9 C
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 0 p; i4 s! B# X1 c
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41
5 U. A! P# ?8 Q: {36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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