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本帖最后由 每天一点 于 2009-5-11 10:33 编辑
1 {8 a( v9 `0 R& n) E/ p7 E
1 ?* c( V* T' C/ \我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2( t7 D& m ]$ b
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。% K y& k9 o9 R7 l- ?# T' Y
可能相比来说,还是不折腾得时候剩的本金要少。
6 v5 g+ H4 ^, z, q# C- f+ R具体情况见下表0 I" i9 |! Q/ J+ B3 @
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 6 ]- p6 V) A0 W$ L& D$ d
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
( {8 ~% z8 H- z+ G# E0 ]3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23
! [/ w' Q S* E8 p, e* S: W: ]9 l% Z4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22
; `% e5 X( _% ?0 P" C" }: l1 l# j5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 / }. {+ {: n D @9 b
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03 0 {" t+ S- a- E8 b* t3 w( e& p
7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85 ) h( ~+ S2 Z/ ?
8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 ; O! X! N5 b1 _* Y5 g) t+ D9 h
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30
7 m3 D3 q% Y) A9 E& ^' U/ ?10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
# `, e' g- V/ d. }7 M( I11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
) r) ~* s" [2 i& Q12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 3 o/ I( d+ W1 c% n
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 ) o* @3 Y* N4 }# O
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
n5 N6 |+ L) \15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82 0 i" B% l6 N2 I# G+ Z$ W
16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93 * q5 D7 C6 E; w4 p4 J) S
17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 / n" K- X J1 V* p5 ^9 g5 U- y6 e' z. L
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86
6 L* m# s, ?8 T# M1 y" Y: h i. @19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 : `0 b; @" p# {
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02 % M4 o" m& P) w4 u
21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
- a! G0 B2 a1 u# o I& p22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
! G& M) k2 U3 h" a, `( r23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40 4 l; p8 a, j2 q) ~3 L
24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95
; F: C: ?* o2 F: u( \9 \& V25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
1 R( J2 o8 u; s. T* I% V26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 $ w( L6 B0 S7 f0 X& W, m
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 - {( ?) k7 X/ g n
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 8 n9 k& t/ t' Y: Q/ ?; w; G
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63 + g/ M/ s7 K& j2 B
30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
8 s! |* ?- C$ J6 x; K, f31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
6 X% X, P0 D/ N/ |* w0 e32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26
( O( R) g0 [4 z33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 . H7 m0 C% I, f6 w# ]+ g, t
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
# w4 G0 D3 @+ `, B6 T35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41
2 B' J5 V& ?- a( q# f' p- a36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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