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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39.25 k, Y/ X1 ]& `( T
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。- X! H) W1 q. O* _0 d0 _) a
可能相比来说,还是不折腾得时候剩的本金要少。/ V/ l' S ]# i* t! K6 H; @' ]
具体情况见下表
$ P6 v: F& T) J* I! N% j1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 % H& G! I- s4 P# L( U! D" B
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
; b+ j8 F/ y7 ~8 D! j0 T' `0 z9 m8 ^ ^3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 3 W2 T- n) {' x* G/ }- W+ O' X
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 " \+ _/ H5 J! ^( O1 l X3 x; ]
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 6 E5 o8 A$ @# U* D+ }0 E3 \/ `
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03 7 L) L( Y" f2 W, O6 ~ G
7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
* H/ S9 K6 X- I8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 , S( Z! z' G' H0 E2 U! x. g
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 ' U! n6 `+ @# Q! a$ n5 K" l
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
5 e. a- u* k( ]: T; K% s+ _11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13 1 P" U/ E2 m7 _' ]) }. \: Y! i
12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
8 c* c2 h4 c r! N0 T& { d: V13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31
6 _: O3 Z. p A14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 $ T2 p3 _8 ~7 f0 }& j! q6 b
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82 * M6 x- C% d$ D; Q+ F0 _. _* p# S
16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
/ e8 H9 f: y0 _$ ]- c. q3 v17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61
- Y& `: k6 Z6 s, i+ ~9 i18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 ' ?0 _% c& S r- U
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
: s+ l4 W0 i* |; S% l( e: W1 s6 c20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02 2 d; {( \6 R- Z0 }
21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
3 \0 U3 z. j! b1 _) H: Q22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40 * \/ y8 O+ z% d+ f
23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40 ; w8 k7 i4 {3 e) z+ X# f- _; R- f
24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 2 p* z$ D* G' n5 c7 ?9 |. o
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
2 e* Q" X9 J" g6 C2 h# R( W26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64
: l4 t# f" R/ |1 Q* A4 D27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78
6 a/ X4 B! \5 F3 W28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 0 F( q: ?3 X# o( \2 n& b
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
* B0 y: X2 {# f, W' T30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 3 ?5 B+ }, U0 v
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
/ k; K5 i2 f8 ^* A32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26
& u& M4 B1 n3 L9 U* r( f4 V33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 ( B' X9 }6 E- G, S7 b
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 9 q- d5 R2 }, Y" T6 H6 Y
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41
& s8 P/ g T/ p3 \36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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