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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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+ N0 a0 O9 Y# O3 v/ m我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2! ?/ P. U6 k9 e+ K2 ]# s$ e
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。9 ?) M" u3 K0 }% r* J7 J
可能相比来说,还是不折腾得时候剩的本金要少。6 u5 L% N* E8 a/ _7 ~) Y4 g, @6 U. E
具体情况见下表: q9 I3 x& A$ M
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
$ z6 G( A2 X3 ?2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
: w* u7 N& W4 [5 p) {( Q3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 . b4 ` q- w# G% X
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 8 a4 ^# a% A( c' n& T( X
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 - W) L$ G% h5 A4 r
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
( W% _0 e% T3 D0 j- p7 T: g9 B7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85 8 h* [6 U3 ^& |' k" ^1 Q
8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 7 L- o& d% b* D7 S9 g' X
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 - K, [' ^5 G9 {* P; h
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92
/ _5 z0 X6 V% Z11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
+ i) U+ B# {/ p- V12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
7 ?4 Y, t" J9 X8 |9 x' I$ `+ R- |13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 * E8 V+ \' z# q: f- Q4 c6 G- Z/ R$ R
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 , e- O" k, ~4 g/ c/ q
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
! l0 t% c& ^1 H m/ g16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
) x% A' @& p3 w, a; N17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 ( m+ X$ y/ ~1 H# _8 ?$ _$ f
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86
: \$ p5 Y2 j$ ? U8 o, V- O19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
+ \# s; Q& e* ~4 r1 K20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02 ! i7 i: {0 u1 V! N3 F
21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
' b9 ]' P1 N, X% {22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
; @2 G8 K- q @3 l" f23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40 ' U* |5 f- |4 m1 l
24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95
1 c6 D/ [! r r25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
$ v% ` Y! e! s4 l; b }26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 , I$ D+ U$ Z# a+ w
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78
* N5 o( ?" h+ X/ D) g F; I, D28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 : b5 `% @3 x0 _: R5 t
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
4 ` s& Q' e) _* G2 D30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 : P8 D) ?# S7 x! Y
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54 2 F! E0 X8 o* r2 t" r3 z. c
32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 2 f$ {+ O$ b( `7 d9 S3 L6 l+ t- K
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48
# ^$ I) S. S5 E& ~9 z, b34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
# e( R+ C# G! s! m7 i( I0 I35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 ) c p* b( h' B9 {' m7 P
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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