Loan refinancing

is a lower rate worth it after fees

Current loan

Balance, ₴

APR, %

Months left

New loan

New APR, %

Fee, % of balance

Fixed costs, ₴

Result

Payment: old → new13 941,00 ₴ → 11 960,00 ₴

Monthly saving1 981,00 ₴

Switching costs9 000,00 ₴

Costs recoup in5 mo

Net saving over term+86 079,00 ₴

Payments are annuities; the new term equals the remaining term of the old loan. Switching costs (fee, notary, collateral revaluation, insurance) are recouped through the payment difference — closing the loan before the break-even point makes refinancing a loss.

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