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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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我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2& B' e& p/ \: `% Y1 u# A4 [& W
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。0 x7 m7 }" a) l. l7 M
可能相比来说,还是不折腾得时候剩的本金要少。# \; v" f, H& u% e+ Q
具体情况见下表( u/ [. W! }$ S( o, G0 a/ i. `1 {0 V
1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 + ^* J/ ?3 t( e) {+ S
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86 9 y4 R, c7 L; D! c5 |1 M
3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23 7 D5 J8 w3 @9 S/ T' s' n2 T
4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22
7 Y4 |& O' N$ d3 t5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82
- P+ A' p, s# A1 q3 Y$ H' P6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03 & ]/ ]! R" P2 {) l7 h+ T, _. Y
7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85 8 V; m$ M; W6 {: f- z0 _
8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 % t) L3 [9 e" b( }' R
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30 7 T& u( Y5 p. D9 }7 p* u
10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92 7 F6 C# Q% H8 ?. {' F b
11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13 ) f2 M9 e; i: E6 j5 s$ i( [
12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93 . ?$ I- @! T$ M% j
13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 1 C U% P/ W, T% |7 V
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28 I1 G. S' C) s& G4 f$ k1 n
15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
( ~0 }' q! z! P16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
+ H, A" l& p2 B2 G17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61
3 l) l7 D+ O% `4 j18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86 3 i5 n1 i4 ^" W1 K6 V' u0 z
19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66
: Y9 H' [1 g0 F2 h1 Y; a9 E9 h20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02
, S+ k5 T* ]; W% {- R! p/ ?0 B( M! }21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94 8 y/ U/ I- X. K! i4 V; @6 I
22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40
- K% S0 R" q* o4 |1 f7 C5 K# m4 T23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
) f# G5 U o/ k: F24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95
9 s+ ]$ }6 H2 Y3 d7 v25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
`6 V; _8 { Y' @+ Z4 p5 o3 V26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 " m" y/ v" o$ w$ k: N- h
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 6 N& z0 W! I5 U, S/ w
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
) b1 u1 E1 W1 @7 E( w; E+ X29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
# [7 G. T3 v# D2 k9 d5 @30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
0 S" i4 s8 [2 c! [, t31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54 # Q9 w: Z9 n8 s9 U8 {, e! {
32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26 . z6 \" E, i' g% I+ w: }
33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48
8 \8 f4 N* i/ \% {34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 ' t, B* M: U* w
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41
0 D, F8 p0 r' W8 s$ Z4 @" s36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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