我該重新貸款嗎?

重新貸款可省下多少利息呢?以下的計算機可提供答案。請在下表內輸入貸款額﹐房產估值﹐新貸款期﹐利率和貸款
完成所需費用﹐即可知重新貸款所可省下的利息﹐此外﹐還可計算若用省下的付款額來支付貸款費﹐需要多長的月份。

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  名詞解釋Definitions
房產估值
Appraised home value		 房子的現有市值。
Current market value of your home
貸款額
Original loan amount		 房貸的總額。
Total amount for your original mortgage
原有利率
Original rate		 現有貸款的年利率。
Annual percentage rate of your original loan
原有貸款貸款期
Original term in years		 現有貸款的貸款年期。
The total number of years for your original mortgage
已付貸款期數
Number of payments made		 現有貸款已付完的期數
The total number of payments you have made on your original mortgage
地產稅總額
Annual property taxes		 每年繳付的房地產稅。
Your annual property taxes
年房屋保險
Annual home insurance		 房屋所以人保險費的年費。
Your annual home owners insurance premium
月PMI
Monthly PMI		 若頭款不足20%﹐每月所付的PMI金額通常是貸款額的0.5%。
The amount you pay each month for PMI. This is usually your 0.5 percent of your loan amount, if you have less than 20% equity in your home
現有PITI
Current PITI		 目前貸款的每月本金﹐利息﹐房地產稅和房屋所有人保險費。
Current monthly Principal, Interest, Taxes and Insurance payment
新利率
New rate		 新貸款的年利率。
Annual percentage rate of your new loan
新貸款期
New term		 新貸款的年期。
The total number of years for your new mortgage
貸款費
Closing costs		 完成新貸款所需的所有費用﹐在貸款完成時支付。
Total fees and other costs associated with the new mortgage, and paid at the time of closing
新PITI
New PITI		 新貸款的本金﹐利息﹐房地產稅和房屋所有人保險費。
New monthly Principal, Interest, Taxes and Insurance payment
新貸款與房值比
New Loan to Value		 貸款額除以房子的估價值。
Total loan amount divided by the appraised value of your home


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