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本帖最后由 每天一点 于 2009-5-11 10:33 编辑 + ^, [% W- L: V" m% X/ _7 L
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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 i+ A: u0 F/ u) n7 `& v' J
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。; P) j8 S6 }3 C2 r
可能相比来说,还是不折腾得时候剩的本金要少。* c4 l7 w) A- ~) E# q ~
具体情况见下表- ~% H3 [" F! e5 E6 x8 D
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
& y% n Y6 U0 b2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 & \* N: n* Z, c$ c
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23
2 n+ e0 h- B) M+ a* Q4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 f8 U5 I8 w0 d/ i$ J
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82
v8 r" n$ U( d [& e9 r$ ^6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
. b! p& J1 `8 M2 L0 }. `7 o1 h+ N7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
7 ?- Q) @1 i b" o% N8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27
# u9 }5 q- r. j5 G9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 ' v& q% R9 H( B) n3 R7 y$ P
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
! s& A* p7 u. i6 y! `8 G11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13 4 ]8 I: ~: `, ]- T% a
12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
, T( C1 |, X! l: ?2 ?' F13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31
& J U" ^0 N! s" @/ ]5 t, r( N14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
% \7 _ e! u# t% {6 G15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
6 f/ z* g* v& F3 }3 s16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93 : O0 u& N6 K% Z Q1 [" f" ~4 x
17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61
* E1 _- |7 S4 q* k18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 5 {+ {9 K6 s3 e2 j
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 / A2 f3 c6 R3 L: E
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02 4 W9 z, S& [$ q' M$ r# i& s
21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94 $ ], l- T% a3 c$ S6 G
22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40 9 w) R% _. k6 Z, Q: q5 T, b4 y m; H
23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40 + Y& m z# i1 a$ r5 I, b
24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 $ P( ~9 ~6 S# k. h- Z ?4 U! }
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03 , Q, G; S1 ~* M2 Y" _# X* d
26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 , Z2 ~3 {9 i% X) Z3 G( j. h
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78
; ?7 Q+ A9 J3 W- n$ n28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
; m6 }5 x, k. H1 y% x29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63 , }3 D( d* A& C. f _
30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 m- H% P3 C5 q/ f& ?1 n5 l
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54 % F1 V1 S e+ W) b% Q, }) O
32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26
2 x5 \$ _9 j, w+ l33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 ' X5 q& W, L, x1 y/ u# s8 Q' ~6 G
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
, v( z% {; D! ` s3 N' V35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41
6 H8 v2 ^' B& D, @! ^7 X2 ^36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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