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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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我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2
0 k/ W4 Z O% u) r0 a$ c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。" Y) `6 d, l$ f3 m% V
可能相比来说,还是不折腾得时候剩的本金要少。9 X: z: R3 v% b# X% u2 j
具体情况见下表* y5 j! |9 E1 L( F& y3 {
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 % r1 Z# Q: ?: f
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
7 x; @$ T" ^9 S3 E, V0 ^1 j5 h; c- i/ X3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23
, r- ^( d& J2 R& x9 m4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 & u0 Y; ] {" Y0 ^# n; E/ H
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 - c0 c* V+ l7 t9 y% t
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
6 Y1 P. G+ F0 m9 O7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
" {; I$ P8 @) E) |/ Q. h; I0 W8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 . R% ` U5 H$ T* F- D6 I9 r: G
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 6 Z5 c5 Z6 h3 c( c7 Z
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
3 T. m1 N2 l/ ^( J( w11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
' J8 P+ @+ `; @ H; a12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
& { d$ Q! k2 X7 a13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 . @- M& d: b& ?) @9 X3 F' w
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 0 n0 D2 @: M! \
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
# a- [4 P* H5 I" a8 ~) V1 G16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93 3 \ t9 L% {$ M& H S6 l$ y
17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 ' ^. g% ~1 Y8 f S6 L7 {5 D
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 % D# ?$ `7 x( K' x, U
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 - v' \* {- m+ h E9 O
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
0 m: v2 C0 X& C# M% u+ ^* Z21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
* J- ^/ Y$ ?/ Z( a* T. V$ X22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40 9 J) F( T" d! Q; m6 e8 D! Q
23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40 ! P7 U: H3 H5 O% q, g
24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 - q8 V' R6 `( v! N& n
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03 + |2 `$ P/ {- O
26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 + C1 l: I) k# o* B
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 3 W& X( x/ Q9 {* J1 e
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 , y8 T4 _: A; X m, J& m
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63 6 E; l" j( s- h) z* U5 ^- m
30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
4 o/ w. s6 \$ e. _8 o, I3 C31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
- F+ V& X( B8 K4 g( u7 ` f" @, z32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 5 B+ l' G$ m" @1 M" [4 Y
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48
$ t8 U' J7 C' |) `# o/ z/ h- _34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
4 ]5 B) R- ~$ \; F35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 6 X, _5 C: g" N6 H9 i
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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