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本帖最后由 每天一点 于 2009-5-11 10:33 编辑 @# F* O' ~/ y$ F8 H3 h2 U- w
! m0 [9 G$ k/ d( l/ a. R8 W4 n我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2
! o. M" f4 g: q9 O4 j7 D; W9 L0 u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。* A4 u' }$ k% v4 d# T$ f/ j
可能相比来说,还是不折腾得时候剩的本金要少。4 o: @$ x4 @% `1 V% c' S
具体情况见下表5 k1 |% ^3 W' @6 M3 f
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12
9 e; k% G8 U& D5 R2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
1 ^, M, ^: b" ?8 U2 \3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 * g+ |! S5 C" a, p
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 , ^* c- k9 M9 @) }9 P# j; X
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82 : K* F$ E8 z8 Y/ E( |
6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03
. P a; ^: `/ v% m+ z7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
+ u$ h! s6 D0 b p$ I2 w8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 9 n9 J9 K/ K* }; M$ K9 B
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30
^ _3 r0 _! N, x, q/ J. {10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92 ' Q& ]9 a' T" O C6 N8 f1 u- e
11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
3 A5 { e+ o* m' V6 g- n12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 0 s6 r$ F/ _' i0 R
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31
) f0 Y8 U Z6 q% H" K- F14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
# c/ O* ^" I1 u' }; K% I6 r15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82 " R( B( Z. d! {
16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93 7 v6 f; C+ d" |
17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61
* i* a# d h# U3 R4 t5 A! M6 L18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 " V1 _5 b: M' ?& }+ l" j5 T4 t
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 9 M# C8 p1 R* i' Z# _
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
$ T; I+ v& L1 ~+ G21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94 ! `+ A- }9 s# [9 d1 j _
22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40 % Z, \! w) k' W+ Y7 `0 m
23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
7 n' z m# A' |4 P9 h24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95
' m/ k; s+ W. a3 \, b1 {25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
% A5 | m. m: H6 S/ m/ s26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 3 C% W. U8 N# c: p' o, M
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 $ u% s/ C8 u/ z3 y, A7 K" r
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
% B5 X/ r3 L1 k0 B29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63 / v( ^6 x! r3 s3 P
30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33 1 @9 H) C9 s( H9 U0 q7 @2 t
31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54 2 e) l/ r) E% i4 C( F) d6 H
32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 / B5 S$ @2 Y \
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48
0 ]4 o' B4 d. \" s34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20
7 v1 F6 G6 \' `- q# }, ~- y35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41
& S4 c: j/ s6 O8 f7 A36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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