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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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5 T% E6 |" D1 |5 t* b: A1 N+ f我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2
! j9 m! [( x' u8 g+ t. F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。 Z$ m4 r: k( q' M/ {: `; o
可能相比来说,还是不折腾得时候剩的本金要少。4 y S0 b9 W% B6 g+ I
具体情况见下表% L6 }4 Z! Z; r
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
; ^, U J3 W2 C8 b/ }2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
4 U# u. W$ ~% @3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 . W8 W, Y. `6 [# b/ T
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 3 k1 m9 m' w" n' _. j
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82
5 S! N0 }0 K5 X5 J" x& z6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03 # J: m( q2 m2 e0 f# z; v
7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
- g/ a3 f) F* a1 b! d1 `8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 1 @) y: H" D' O7 p, |
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 ' q& j5 N7 f% m% M! w. U5 x
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
f9 G0 a! v. y# S! J9 e11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
0 X9 r/ J6 ?* |" j) `12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 , R0 P, F0 Q3 k; E$ k0 V# V1 Z
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 # o5 d t! | c, r0 F5 I
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
4 K9 \* @1 L( q! j6 C! J5 U15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
v& a: w' a W, Z( @& R+ |16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
, J% P+ b5 m, g* f1 n6 G) J17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61
6 u+ x, A/ L, G18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 ' v' i/ y y0 K3 M
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
$ x e+ t$ Y- r$ T H/ t; U- }0 o20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02 E7 t& g- `% i5 u$ L. k h
21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
) ^$ P* P; j5 s# h; k* k22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
1 O, d- ~" ?# b23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
! V9 x8 @6 J% q- Z+ f# p24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 ) Q; C) Z! E w4 |6 D" T+ V
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03 3 O" M, i. f4 i/ x2 M- y2 p, Y, Z
26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 4 |" p3 N/ H. s1 l5 b) o- X
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 & _! a* x5 c5 e4 ?
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
7 @0 \5 S& h- M" C' ]/ M29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63 * i9 j( i/ T# H. z! S* e
30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 % x: B& W% K( t- X3 o/ l
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
- P6 M. z# t N. l8 Z0 A. ]32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26
; R, j5 {& }) }& Y7 p" ]2 T, v33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 3 O* F) a9 C! b& Q1 @+ C+ w) H; B: ^
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
- t& A% [) x+ ]4 {4 p35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 ( b: }5 r4 A' x! f; ?
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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