Công cụ lập kế hoạch vay thế chấp tại Hoa Kỳ

• Rates are user-entered; no current lender rate or product recommendation is supplied. Most countries use annual rate ÷ 12. Canada uses nominal semi-annual compounding converted to a monthly rate.
• Extra payment is applied after scheduled interest with no prepayment charge. Enter any early-repayment charge in refinance costs and confirm overpayment limits with the lender.
• Refinance break-even accumulates monthly payment differences until they recover upfront costs. It is a cash-flow measure, not an equity, tax, opportunity-cost, or approval analysis.
• The default worked example compares one remaining balance over its remaining term. Replace every assumption with the current statement and a formal refinance quote.

Consumer authority mortgage reference for this country · Method reviewed 2026-07-30.