حاسبة إعادة التمويل

نظرة عامة

Refinancing replaces your current loan with a new one — usually to get a lower rate, change the term, or lower the payment. This calculator compares your existing payment with a new one and shows the monthly savings and how long it takes those savings to cover the closing costs (the break-even point). It computes everything in your browser.

كيفية الاستخدام

1. 1

   Enter your current loan details

   Remaining balance, current rate, and current payment.

2. 2

   Enter the new loan terms

   Proposed rate, new term, and estimated closing costs.

3. 3

   Read the break-even point

   If you'll keep the loan longer than the break-even months, refinancing saves money.

كيف يعمل

The tool amortizes both loans and compares them. The new monthly payment comes from the remaining balance, the new rate, and the new term. Monthly savings is the old payment minus the new one; the break-even months equal closing costs ÷ monthly savings. If you plan to keep the home past that break-even point, refinancing generally pays off.

متى تستخدمه

Checking whether a rate drop justifies refinancing after closing costs. Deciding whether to shorten the term or lower the payment. Confirming you will stay in the home long enough to recoup the fees.

الأسئلة الشائعة