房贷那点小算盘，你会交罚款换配套吗？

1m sibor的配套是哪家的？消灭零字节

真的是差3000 多？楼主没算错吗

布吉岛，熊猫帮我算算看为了算个数，我白头发都多了两根。。。。

让banker给你算啊。。。

好吧，我是用mortgage calculator算的, 不知道算法有没有错两年还贷差 + 两年后剩余贷款差 - 各种成本和罚款

你以为的可能不是银行以为的。。。所以专业的事情得找专业的人来解决否则 玩脱是迟早的事

估计房子几百万了，羡慕小毛驴自己

呃，没有几百万的房子啊70万房贷，房子总价也不高。这不是还在纠结那点小算盘吗？

refinancerefinance 跟banker签了，还没有去律师楼签，算合同生效了吗？还有机会换配套吗？

要看你和银行签的条款我的是800。

我喜欢楼主的ID 很有梗xmlzj

单从还贷数字上应该差不多我之前利率是1.6，现在1.9，贷款数额和lz差不多，现在一个月比之前多还了100块左右

只计算了每个月的月供差额？我觉得需要看amortization table，比一下你每个月的利息差。利率降低0.3%，每月的月供可能少100多一点，因为利息少200，本金多100

和DBS分手要待三个月啥意思楼主不是2月底就签了嘛，3月一过锁定期就可以换去新配套了，还要再在DBS还款到5月底么？

我现在也是DBS的，利息2.4+以后再不入DBS的坑，美国降息这么多，DBS一点反应都没有，之前美国还没加息，DBS就行动了，两年锁定期加了3回。。。

我ocbc一个月sibor去年11月份开始还款，感觉现在sibor降低了很多，但是我的利率也没咋降啊，不是知道咋算的，是不是延后几个月呢

嗯，只要算出两年利息差

1. D银行1.78% 24个月

2. D银行2.63% 3个月 加 O银行1.29% 21个月

条件：

70万货款23年

现在DBS利率2.63%（FHR8+1.68），换银行需要三个月notice

不能光算利息差吧

还要算2年之后本金剩多少。我给你算了一下。　

　option 1， dbs 24 terms

　loan amtpaymentpay to prinpay to intremaining prinint ratetotal pmttotal paid to inttotal paid to printerm 1700,000.00 3,092.58 2,054.25 1,038.33 697,945.75 0.00153,092.58 1,038.33 2,054.25 term 2697,945.75 3,092.58 2,057.29 1,035.29 695,888.46 0.00156,185.16 2,073.62 4,111.54 term 3695,888.46 3,092.58 2,060.34 1,032.23 693,828.12 0.00159,277.74 3,105.85 6,171.88 term 4693,828.12 3,092.58 2,063.40 1,029.18 691,764.72 0.001512,370.32 4,135.03 8,235.28 term 5691,764.72 3,092.58 2,066.46 1,026.12 689,698.26 0.001515,462.90 5,161.15 10,301.74 term 6689,698.26 3,092.58 2,069.53 1,023.05 687,628.73 0.001518,555.47 6,184.20 12,371.27 term 7687,628.73 3,092.58 2,072.60 1,019.98 685,556.13 0.001521,648.05 7,204.19 14,443.87 term 8685,556.13 3,092.58 2,075.67 1,016.91 683,480.46 0.001524,740.63 8,221.09 16,519.54 term 9683,480.46 3,092.58 2,078.75 1,013.83 681,401.71 0.001527,833.21 9,234.92 18,598.29 term 10681,401.71 3,092.58 2,081.83 1,010.75 679,319.88 0.001530,925.79 10,245.67 20,680.12 term 11679,319.88 3,092.58 2,084.92 1,007.66 677,234.96 0.001534,018.37 11,253.33 22,765.04 term 12677,234.96 3,092.58 2,088.01 1,004.57 675,146.94 0.001537,110.95 12,257.89 24,853.06 term 13675,146.94 3,092.58 2,091.11 1,001.47 673,055.83 0.001540,203.53 13,259.36 26,944.17 term 14673,055.83 3,092.58 2,094.21 998.37 670,961.62 0.001543,296.11 14,257.73 29,038.38 term 15670,961.62 3,092.58 2,097.32 995.26 668,864.30 0.001546,388.69 15,252.99 31,135.70 term 16668,864.30 3,092.58 2,100.43 992.15 666,763.87 0.001549,481.26 16,245.13 33,236.13 term 17666,763.87 3,092.58 2,103.55 989.03 664,660.32 0.001552,573.84 17,234.17 35,339.68 term 18664,660.32 3,092.58 2,106.67 985.91 662,553.66 0.001555,666.42 18,220.08 37,446.34 term 19662,553.66 3,092.58 2,109.79 982.79 660,443.87 0.001558,759.00 19,202.87 39,556.13 term 20660,443.87 3,092.58 2,112.92 979.66 658,330.95 0.001561,851.58 20,182.53 41,669.05 term 21658,330.95 3,092.58 2,116.05 976.52 656,214.89 0.001564,944.16 21,159.05 43,785.11 term 22656,214.89 3,092.58 2,119.19 973.39 654,095.70 0.001568,036.74 22,132.44 45,904.30 term 23654,095.70 3,092.58 2,122.34 970.24 651,973.36 0.001571,129.32 23,102.68 48,026.64 term 24651,973.36 3,092.58 2,125.49 967.09 649,847.88

0.0015

74,221.90 24,069.77 50,152.12

option 2， dbs 3 terms then oc 21 termsloan amtpaymentpay to prinpay to intremaining prinint ratetotal pmttotal paid to inttotal paid to printerm 1700,000.00 3,092.58 2,054.25 1,038.33 697,945.75 0.0014833333,092.58 1,038.33 2,054.25 term 2697,945.75 3,092.58 2,057.29 1,035.29 695,888.46 0.0014833336,185.16 2,073.62 4,111.54 term 3695,888.46 3,092.58 2,060.34 1,032.23 693,828.12 0.0014833339,277.74 3,105.85 6,171.88 term 4693,828.12 2,934.00 2,188.13 745.87 691,639.98 0.00107512,211.74 3,851.72 8,360.02 term 5691,639.98 2,934.00 2,190.49 743.51 689,449.50 0.00107515,145.73 4,595.23 10,550.50 term 6689,449.50 2,934.00 2,192.84 741.16 687,256.66 0.00107518,079.73 5,336.39 12,743.34 term 7687,256.66 2,934.00 2,195.20 738.80 685,061.46 0.00107521,013.73 6,075.19 14,938.54 term 8685,061.46 2,934.00 2,197.56 736.44 682,863.90 0.00107523,947.73 6,811.63 17,136.10 term 9682,863.90 2,934.00 2,199.92 734.08 680,663.98 0.00107526,881.73 7,545.71 19,336.02 term 10680,663.98 2,934.00 2,202.28 731.71 678,461.70 0.00107529,815.73 8,277.42 21,538.30 term 11678,461.70 2,934.00 2,204.65 729.35 676,257.05 0.00107532,749.73 9,006.77 23,742.95 term 12676,257.05 2,934.00 2,207.02 726.98 674,050.02 0.00107535,683.72 9,733.75 25,949.98 term 13674,050.02 2,934.00 2,209.39 724.60 671,840.63 0.00107538,617.72 10,458.35 28,159.37 term 14671,840.63 2,934.00 2,211.77 722.23 669,628.86 0.00107541,551.72 11,180.58 30,371.14 term 15669,628.86 2,934.00 2,214.15 719.85 667,414.71 0.00107544,485.72 11,900.43 32,585.29 term 16667,414.71 2,934.00 2,216.53 717.47 665,198.18 0.00107547,419.72 12,617.90 34,801.82 term 17665,198.18 2,934.00 2,218.91 715.09 662,979.27 0.00107550,353.72 13,332.99 37,020.73 term 18662,979.27 2,934.00 2,221.30 712.70 660,757.98 0.00107553,287.72 14,045.69 39,242.02 term 19660,757.98 2,934.00 2,223.68 710.31 658,534.29 0.00107556,221.71 14,756.01 41,465.71 term 20658,534.29 2,934.00 2,226.07 707.92 656,308.22 0.00107559,155.71 15,463.93 43,691.78 term 21656,308.22 2,934.00 2,228.47 705.53 654,079.75 0.00107562,089.71 16,169.46 45,920.25 term 22654,079.75 2,934.00 2,230.86 703.14 651,848.89 0.00107565,023.71 16,872.60 48,151.11 term 23651,848.89 2,934.00 2,233.26 700.74 649,615.63 0.00107567,957.71 17,573.34 50,384.37 term 24649,615.63 2,934.00 2,235.66 698.34 647,379.97 0.00107570,891.71 18,271.67 52,620.03

比较一下option 2 比option 1 要少付3.3k
24terms以后， option2 的剩余本金比option 1 要少2.5k

所以只要手续费低于5k的都是划算的吧。希望我没有算错。你在研究一下哈。

谢谢！只是option2 前三个月利息是2.63而不是1.78。的确大差3千左右。

喔，没注意这个费用的话算上律师费了吗？

refinance银行有补贴律师费，自己出估价.大头都是交800罚款和前三个月的高息了