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本帖最后由 每天一点 于 2009-5-11 10:33 编辑 1 ?+ S- b; y- v
& }% r$ U+ D! n我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2& q$ Q( j: j5 k* Y
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。
4 ?3 N3 x0 ~, u- Y可能相比来说,还是不折腾得时候剩的本金要少。
5 s& D @/ Q5 s: n* ^6 `9 Y8 u具体情况见下表* P+ l' Q" D# U) B5 B
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
/ t. Q+ Y# f" u6 A- |; v3 W2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 5 N, U* ^, ^* T7 h2 w: s) Y
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 2 u; M$ Y" b/ Q! ? N, z
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 " P8 _$ P% N/ Z; b7 Y6 \. g
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82
) q; O* t# m& g1 q: i3 o6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
+ M& R( \5 S1 m4 b* K! ?. }7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
& j7 K6 g& _8 s3 M' b8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27
) G/ K6 T4 w5 g. n+ K- b V9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30
5 L0 x& w0 Y3 |6 D+ t10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
- L" Z9 n& M) P3 |7 s' l9 a11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
3 g7 X1 @" W5 ?, L7 H. U12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 8 e. a1 R2 [% Z- V0 N# A! M" b& Q
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31
@) k K& x3 k4 Y14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
2 A0 d* }2 e: k" @) K15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
5 u/ V9 D, Z6 V% Q16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93 - H( `7 [% [4 w# S/ u$ ~
17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 4 ?4 x: o4 [5 b, h( p* V/ Q
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86
8 u9 E4 p0 ^- i2 s: n19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
5 t) a0 Y {5 P" j20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
' H+ _0 d% ~% Z& P; f21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94 * }$ b, w2 {* p1 n( m" U) p8 r
22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
: ]) ?. ~) w$ Y23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40 5 c$ V: d, C N9 e
24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 2 m( \$ }0 E0 {8 ?" Q
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
- Q( I# `- ? k26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 / Q; p) F/ P# K+ B7 i( Q
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 . E1 S* E0 U3 }' `2 _0 F& _
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
9 T- p, H5 z( O- p- ~- T# D+ U29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
X# L0 g# H; \# l1 F30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
; O2 G+ N5 U$ q# x31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
. `0 Y6 j1 `7 ]6 H1 t' \0 R32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 ) y( t8 f* c0 X& L4 N9 U& v
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 6 d' E* C9 B4 _! A
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 % o! @' A& C5 e2 ^! J: g/ [, p+ p
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41
& Y8 J) |, p, m" _36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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