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本帖最后由 每天一点 于 2009-5-11 10:33 编辑
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) H/ L7 B0 T) P: i( q我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2
% M- [- z% C4 A( c4 }' H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。
/ b9 I8 j& D& y3 ^) |可能相比来说,还是不折腾得时候剩的本金要少。1 D6 q* I* q6 g9 h
具体情况见下表
7 `+ e9 {1 J7 I+ B1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
# T$ w* k' V* i* e" z: \/ {6 ~ h2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 * [% B% |* O& f* ~+ D
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23
! S ^+ T* }4 @+ d4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 ; r: z: H0 t o
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 7 a" V8 |' a5 f$ p {
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
5 {0 u, A& p7 g$ ^7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85 # J; t8 ^/ n- [/ H4 g z# i
8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 * J7 Y) n; H- y0 U. _, t. K) s( j
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 6 A+ ~6 H% V/ d# I
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
( s8 C6 j; N6 g8 T: o11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
7 R, C2 a' |0 c3 Y12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 ; [, R' U- P( W9 d6 \
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 ) K. r* |! S4 m, _
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 % G. [ i) E& c$ ~
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
( o, P i/ E2 V7 Y1 m16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
3 ?" E$ `. P% {* K17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 ) u+ ^0 x4 m. o \+ C0 \" g
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86
# e0 g8 p/ C! K19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 : u7 T! H5 h( Q+ Q' G
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
9 [: Q0 Q. Q" u21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94 & C3 l0 `1 A# d y
22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
9 l; A. E& _: r) {: e: |+ _8 R23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
& ?) P& L8 a4 O; D! C! p: C3 ~24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 7 I: A+ v& A, t
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03 * f$ Y8 M0 b( e$ q) e% T
26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 # Q/ o7 `. f7 {; W+ U* v3 F6 F
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 " M8 n3 k' \5 h; O8 h4 l2 ~
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 N$ q$ n ~# q/ z
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
( B: X& J; N4 C4 |7 x' H% K30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 ' d9 T7 [" K; j; T+ o! i2 {
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54 3 g: @3 h8 T% x( O( [$ T1 `
32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 P' i: `7 p, `- v' K2 ^0 X7 ~
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48
9 h( w& ?8 {7 ?% @- F+ A34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
" P# \* z, b) T( \2 [4 K35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 4 K6 Q# q x( `: M2 i6 u1 F5 D
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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