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本帖最后由 每天一点 于 2009-5-11 10:33 编辑 1 i* K; M X6 h4 _0 K
' D# U- f, U3 g) Q5 ~0 P我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2
) |6 V" ^7 y% j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。
' _: r% i: y% `5 F! W# } W$ k$ J可能相比来说,还是不折腾得时候剩的本金要少。/ q2 J* G# D! X( d6 r
具体情况见下表* {8 y$ s$ U7 F8 d2 \" F, o
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 4 O3 j/ f# ~1 X/ [- z0 U4 }; E: O
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 7 I; M0 P. Q; M3 L5 } j
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 , I' f9 F& F) t4 M
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 F2 B' |* j4 c. }" e# `
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82
! m1 \& a9 I" \* Z; d4 P) @6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
& t2 D- X: ~" p5 G+ @. D8 ?7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
& w N( a6 C# ]/ |( m" P8 Q2 I7 f \8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 4 c. `+ h2 t: s+ Y6 H& N
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30
! v; g; x) ^% m4 D3 {10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
- k7 E2 b+ v% `0 U6 I" ~; D11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
/ y% M8 Z9 z$ A12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 ) I+ Q% C, l4 k) Q
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 5 v7 E8 ~4 z! C" d7 b+ R
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 ' e m! C, J$ f
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82 6 a$ X9 H* e% V% k* N6 r" ~& ?6 Q
16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
$ |& C, I }# d& t1 q" o' [17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61
* g+ i d" [7 S$ e18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 Y9 Q& w" l/ t
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
) b7 v2 S' n7 E, u% k0 P& l& j20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02 % h8 k0 T# d K5 q
21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
) I+ z$ X/ L/ l* }$ a- }5 d& }22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
* E+ X3 Q9 n) p& Y1 m. I. h6 N, i7 d23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40 ! r" V4 S# a+ V, o: O6 R
24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 1 _4 s" F1 w$ N* i" ^
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
8 O; I! O9 `$ I, X: {26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64
: p6 ]2 ]! y9 U8 \27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 ) }& Z4 k8 ?3 L H; |. f/ e5 o* h, W
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
1 C- l2 e" E8 s; O' X29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
! _7 h( E5 C# E$ A: E+ t30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 + u% [/ v8 ~. M1 G) H) y/ k1 V; f
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
7 u5 T0 ?1 `0 N& x8 w: W1 \32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26
% P2 \8 [' n; D33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 : o' u0 U- [: o2 ]( {0 D u' ]
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 & C) {" H) P& m) P' h
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 % K! ^' D( C8 |) a7 x$ ?) e0 ]& B8 n
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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