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我該將其他的債務與房貸合併嗎? 利用以下計算機可瞭解合併後的月付額﹐以決定是否該合併。您可以嘗試不同的付款期﹐貸款方式和利率﹐以找尋最 |
| 名詞解釋Definitions |
| 所欠貸款額 Loan amount owed |
所欠貸款的總額﹐若不確定﹐請輸入估計值。 Loan amount owed is the total remaining balance on a loan. If you are uncertain of your exact balance, enter an estimate that is as close as possible |
| 付款額 Loan payment | 目前的每月付款額。 The payment amount is your current monthly payment. |
| 所餘之貸款期 Loan months Left | 以月份計算﹐所剩餘的貸款期數。 The number of months you have left to make payments on a loan. |
| 信用卡結餘 Credit card balance | 信用卡的欠款﹐不需加入利息﹐會以利率計算。 The outstanding balance on your credit card. You do not need to include finance charges, they will be calculated based on your interest rate. |
| 信用卡利率 Credit card rate | 信用卡欠款的年利率﹐以單利計算﹐每月為年利率的1/12。 Annual interest rate you pay on outstanding credit card balances. This calculator assumes simple interest is charged every month at 1/12th of your annual rate. |
| 信用卡付款 Credit card payment | 信用卡付款額是將欠款以年利率計算。月付款是在貸款與欠款合併後的貸款月份內﹐償清欠款的月付款額。實際的信用卡付款額可能較低﹐但期數較多。 Credit card payments are based on your outstanding balance and annual interest rate. For this loan comparison, the monthly payment is the amount required to pay off your credit card in same number of months as your consolidation loan. Your actual credit card payment may be lower, but will often require many more payments. |
| 利率 Interest rate | 合併後之新貸款的年利率。 Annual interest rate for your new consolidation loan. |
| 付款總月數 Term in months | 合併貸款的總月數。 Number of months for your new consolidation loan |
| 費用 Up front costs | 所有新貸款費﹐包括估價﹐貸款費。 Any fees you are required to pay up front to receive this loan. This could include appraisal fees, loan origination fees, etc. |
| 點數 Points | 貸款的點費﹐點費通常用於支付房屋淨值貸款。 Number of points paid to for this loan. Points are usually only paid for home equity loans. |
| 儲蓄利率 Rate earned on savings | 每年之短期儲蓄利率﹐大約4%至5%﹐若將貸款費以儲蓄帳戶的利率計算。 This is the rate you would have received if you had put your closing costs into savings. Enter your short term savings rate. For most people this is currently 4% to 5% annually. |
| 所得稅率 Income tax rate | 聯邦和州所得稅﹐當以房屋淨值整合其他債務時可省下的所得稅。 This is your combined federal and state income tax rates. It is used to determine income tax savings when you use a home equity loan to consolidate your debt. |
| 貸款計劃 Loan type | 最常見的是房屋凈值和個人貸款﹐二者費用﹐利率和抵稅情形不一。房屋凈值貸款的費用較高﹐但利率低﹐利率或可抵稅。個人貸款的利息則不能抵稅﹐利息較高﹐但貸款費低。選擇貸款計劃時﹐必須仔細考慮。 The two most common loans types, home equity and personal, differ in fees, rates and tax deductibility of interest. Home equity loans often have higher fees, but usually have lower rates and a tax deduction for interest paid. Personal loans do not have a tax deduction for interest paid, and have a higher interest rate but often have lower fees. These are important considerations when choosing a loan. |
| 貸款費計入貸款 Include closing costs in loan | 若將貸款費計入貸款﹐貸款額﹐月付額和利息總額將會增加﹐但取得貸款的費用較低﹐若暫無可使用的現金﹐可考慮選擇﹐或可用儲蓄取得更好的利率。 If you include your closing costs in your loan, your loan balance, monthly payment and total interest paid will increase. You will, however, be required to pay less money up front. Including your closing costs in your loan may be a good option if you do not have funds available, or you can achieve a relatively high rate of return on your savings. |