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本帖最后由 每天一点 于 2009-5-11 10:33 编辑 $ R. j! Y K1 e2 R1 N
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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39.21 w0 ]* L4 C# s: ^/ ?* I
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。
! U" V5 E5 X. b+ p- u7 ^可能相比来说,还是不折腾得时候剩的本金要少。
J9 Y" C; U" V# b/ J& j具体情况见下表
$ h% P# [4 `: {( F1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
9 J# N3 N' \' |! N! J9 u2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 ' c$ p2 d0 J7 ]0 t! G! N8 v
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23
+ M: m$ [- h2 h# u4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 ! R* N0 [- ?, f$ q. _! u
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 : P4 u9 d7 r# j" G3 J8 ?9 A
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
; B( |) V( Y6 g/ _) G* }+ w7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85 3 _) p6 e8 i. n( F% L% W
8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 - Y, w3 Q* [9 y
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 - S' M3 |9 C9 T1 h- I: _# }$ Z+ h
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92 7 h' f8 \. M/ f8 }% e) D
11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
4 K: `, {2 I' U12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
. s0 r$ w6 l/ w! n13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31
- Y/ p; E) K& c) D" Q# x14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 " f5 \4 [ v/ h! H
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
& a2 {- Q9 W4 F16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
2 T& P6 n6 @1 ~. i; {17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 6 ~# p$ k5 c6 o" {9 m
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86
; {0 I/ @8 {8 M) k19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 ( k1 p2 N. }: \" g+ c( M
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
& H9 R' X: z; {) D$ f21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
' m3 ~6 j/ o. o3 ]0 H22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40 * n& H( r, r& Q Q4 E- J2 z' S
23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
[) I3 q& k) a" e8 r, a$ R+ f24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95 " z" l+ G. I) H/ B3 a. O3 U7 t
25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03 ! q2 D t, Y7 T) e* ], k. M
26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 % R6 x, M% U! Q8 k# |$ m
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 ) o _! x, b# o' L* ^. f
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45 , N; m5 s/ O# e" |
29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63 & G4 s: F4 w) p+ r* r8 f7 b
30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 0 A$ l* a% i5 V7 K
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54
/ F! j2 U+ r9 R7 l# R; N32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26
0 s P. b+ Q* D8 m1 V3 r33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48 * r$ B4 j5 z- n* V' [
34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 / C# ?( g# {* m( x' B* z' O
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 6 }3 o7 l6 }8 m+ V2 v0 l* B
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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