房貸還款與轉貸策略比較

設定比較條件

剩餘房貸本金剩餘期數（月）原名目年率（%）

B 提前還款

B 提前償還本金B 提前還款費用 B 提前還款後

C 轉貸條件

轉貸名目年率（%）轉貸期數（月）C 轉貸總費用（含清償費）

共同期間與進階假設

有效年折現／現金增長率（%）共同評估期間（月）

所有金額為相同幣別、精確到分；期數1–1200月，名目年率與有效年折現率0–100%。轉貸費含該策略全部清償／換約費，以現金支付，不併入新貸。比較不包含房價，因三方案持有同一房屋。

維持原貸

首月付款: 26,010.68
月付款變化（相對A）: 0.00
淨財務成本現值差（相對A）: 0.00

提前還款

首月付款: 23,409.61
月付款變化（相對A）: -2,601.07
淨財務成本現值差（相對A）: -15,036.09

轉貸

首月付款: 25,058.05
月付款變化（相對A）: -952.63
淨財務成本現值差（相對A）: -158,630.05

查看三方案完整財務明細

保留現金、費用、期末負債及完整成本
指標	A	B	C
現在支出（含本金）	0.00	500,000.00	30,000.00
保留現金	500,000.00	0.00	470,000.00
期末保留現金（假設）	742,973.70	0.00	698,395.28
期內累計利息	1,242,564.21	1,118,307.84	1,013,932.52
費用	0.00	0.00	30,000.00
期內總現金付款	6,242,564.21	6,118,307.84	6,043,932.52
期末未償本金	0.00	0.00	0.00
折現總義務	5,150,360.52	5,135,324.43	4,991,730.47
淨財務成本現值	4,650,360.52	4,635,324.43	4,491,730.47
清償期數（月）	240.00	240.00	240.00
全期總利息	1,242,564.21	1,118,307.84	1,013,932.52

決策差額與剩餘本金

哪個方案降低每月負擔？ (元)

ABC

C · 首月付款: 25,058.05元

比較的是首月排定付款；尾期與提前結清後付款可不同，完整逐月路徑保留在資料區。

月底未償本金路徑 (元)

ABC

第1月 · A: 4,983,572.65元 · B: 4,485,215.39元 · C: 4,982,858.62元

各月付款與未償本金，選取列同步兩張圖
月	A 付款／餘額	B 付款／餘額	C 付款／餘額
1	26,010.68 / 4,983,572.65	23,409.61 / 4,485,215.39	25,058.05 / 4,982,858.62
2	26,010.68 / 4,967,113.82	23,409.61 / 4,470,402.44	25,058.05 / 4,965,690.10
3	26,010.68 / 4,950,623.44	23,409.61 / 4,455,561.10	25,058.05 / 4,948,494.39
4	26,010.68 / 4,934,101.45	23,409.61 / 4,440,691.32	25,058.05 / 4,931,271.46
5	26,010.68 / 4,917,547.80	23,409.61 / 4,425,793.04	25,058.05 / 4,914,021.26
6	26,010.68 / 4,900,962.42	23,409.61 / 4,410,866.20	25,058.05 / 4,896,743.74
7	26,010.68 / 4,884,345.25	23,409.61 / 4,395,910.75	25,058.05 / 4,879,438.87
8	26,010.68 / 4,867,696.23	23,409.61 / 4,380,926.64	25,058.05 / 4,862,106.60
9	26,010.68 / 4,851,015.30	23,409.61 / 4,365,913.81	25,058.05 / 4,844,746.89
10	26,010.68 / 4,834,302.40	23,409.61 / 4,350,872.20	25,058.05 / 4,827,359.69
11	26,010.68 / 4,817,557.47	23,409.61 / 4,335,801.76	25,058.05 / 4,809,944.96
12	26,010.68 / 4,800,780.44	23,409.61 / 4,320,702.44	25,058.05 / 4,792,502.66
13	26,010.68 / 4,783,971.26	23,409.61 / 4,305,574.18	25,058.05 / 4,775,032.74
14	26,010.68 / 4,767,129.86	23,409.61 / 4,290,416.92	25,058.05 / 4,757,535.16
15	26,010.68 / 4,750,256.18	23,409.61 / 4,275,230.61	25,058.05 / 4,740,009.87
16	26,010.68 / 4,733,350.16	23,409.61 / 4,260,015.19	25,058.05 / 4,722,456.84
17	26,010.68 / 4,716,411.73	23,409.61 / 4,244,770.61	25,058.05 / 4,704,876.01
18	26,010.68 / 4,699,440.84	23,409.61 / 4,229,496.81	25,058.05 / 4,687,267.35
19	26,010.68 / 4,682,437.42	23,409.61 / 4,214,193.74	25,058.05 / 4,669,630.81
20	26,010.68 / 4,665,401.41	23,409.61 / 4,198,861.33	25,058.05 / 4,651,966.34
21	26,010.68 / 4,648,332.75	23,409.61 / 4,183,499.54	25,058.05 / 4,634,273.90
22	26,010.68 / 4,631,231.37	23,409.61 / 4,168,108.30	25,058.05 / 4,616,553.45
23	26,010.68 / 4,614,097.22	23,409.61 / 4,152,687.56	25,058.05 / 4,598,804.94
24	26,010.68 / 4,596,930.23	23,409.61 / 4,137,237.27	25,058.05 / 4,581,028.33
25	26,010.68 / 4,579,730.33	23,409.61 / 4,121,757.36	25,058.05 / 4,563,223.57
26	26,010.68 / 4,562,497.47	23,409.61 / 4,106,247.78	25,058.05 / 4,545,390.62
27	26,010.68 / 4,545,231.58	23,409.61 / 4,090,708.48	25,058.05 / 4,527,529.44
28	26,010.68 / 4,527,932.59	23,409.61 / 4,075,139.39	25,058.05 / 4,509,639.98
29	26,010.68 / 4,510,600.45	23,409.61 / 4,059,540.46	25,058.05 / 4,491,722.19
30	26,010.68 / 4,493,235.09	23,409.61 / 4,043,911.64	25,058.05 / 4,473,776.03
31	26,010.68 / 4,475,836.44	23,409.61 / 4,028,252.86	25,058.05 / 4,455,801.46
32	26,010.68 / 4,458,404.45	23,409.61 / 4,012,564.07	25,058.05 / 4,437,798.43
33	26,010.68 / 4,440,939.05	23,409.61 / 3,996,845.21	25,058.05 / 4,419,766.89
34	26,010.68 / 4,423,440.17	23,409.61 / 3,981,096.22	25,058.05 / 4,401,706.80
35	26,010.68 / 4,405,907.75	23,409.61 / 3,965,317.04	25,058.05 / 4,383,618.12
36	26,010.68 / 4,388,341.73	23,409.61 / 3,949,507.62	25,058.05 / 4,365,500.80
37	26,010.68 / 4,370,742.04	23,409.61 / 3,933,667.90	25,058.05 / 4,347,354.79
38	26,010.68 / 4,353,108.62	23,409.61 / 3,917,797.82	25,058.05 / 4,329,180.05
39	26,010.68 / 4,335,441.40	23,409.61 / 3,901,897.32	25,058.05 / 4,310,976.54
40	26,010.68 / 4,317,740.32	23,409.61 / 3,885,966.35	25,058.05 / 4,292,744.20
41	26,010.68 / 4,300,005.31	23,409.61 / 3,870,004.84	25,058.05 / 4,274,482.99
42	26,010.68 / 4,282,236.31	23,409.61 / 3,854,012.74	25,058.05 / 4,256,192.87
43	26,010.68 / 4,264,433.25	23,409.61 / 3,837,989.99	25,058.05 / 4,237,873.79
44	26,010.68 / 4,246,596.07	23,409.61 / 3,821,936.53	25,058.05 / 4,219,525.71
45	26,010.68 / 4,228,724.70	23,409.61 / 3,805,852.30	25,058.05 / 4,201,148.58
46	26,010.68 / 4,210,819.08	23,409.61 / 3,789,737.24	25,058.05 / 4,182,742.35
47	26,010.68 / 4,192,879.14	23,409.61 / 3,773,591.29	25,058.05 / 4,164,306.98
48	26,010.68 / 4,174,904.81	23,409.61 / 3,757,414.40	25,058.05 / 4,145,842.42
49	26,010.68 / 4,156,896.03	23,409.61 / 3,741,206.50	25,058.05 / 4,127,348.62
50	26,010.68 / 4,138,852.73	23,409.61 / 3,724,967.54	25,058.05 / 4,108,825.54
51	26,010.68 / 4,120,774.85	23,409.61 / 3,708,697.45	25,058.05 / 4,090,273.13
52	26,010.68 / 4,102,662.32	23,409.61 / 3,692,396.18	25,058.05 / 4,071,691.35
53	26,010.68 / 4,084,515.08	23,409.61 / 3,676,063.66	25,058.05 / 4,053,080.14
54	26,010.68 / 4,066,333.05	23,409.61 / 3,659,699.84	25,058.05 / 4,034,439.47
55	26,010.68 / 4,048,116.18	23,409.61 / 3,643,304.65	25,058.05 / 4,015,769.28
56	26,010.68 / 4,029,864.39	23,409.61 / 3,626,878.04	25,058.05 / 3,997,069.53
57	26,010.68 / 4,011,577.62	23,409.61 / 3,610,419.95	25,058.05 / 3,978,340.17
58	26,010.68 / 3,993,255.80	23,409.61 / 3,593,930.31	25,058.05 / 3,959,581.16
59	26,010.68 / 3,974,898.86	23,409.61 / 3,577,409.07	25,058.05 / 3,940,792.45
60	26,010.68 / 3,956,506.74	23,409.61 / 3,560,856.16	25,058.05 / 3,921,973.99
61	26,010.68 / 3,938,079.36	23,409.61 / 3,544,271.52	25,058.05 / 3,903,125.73
62	26,010.68 / 3,919,616.67	23,409.61 / 3,527,655.10	25,058.05 / 3,884,247.63
63	26,010.68 / 3,901,118.59	23,409.61 / 3,511,006.83	25,058.05 / 3,865,339.64
64	26,010.68 / 3,882,585.05	23,409.61 / 3,494,326.65	25,058.05 / 3,846,401.71
65	26,010.68 / 3,864,015.99	23,409.61 / 3,477,614.50	25,058.05 / 3,827,433.80
66	26,010.68 / 3,845,411.34	23,409.61 / 3,460,870.32	25,058.05 / 3,808,435.85
67	26,010.68 / 3,826,771.03	23,409.61 / 3,444,094.04	25,058.05 / 3,789,407.82
68	26,010.68 / 3,808,094.99	23,409.61 / 3,427,285.61	25,058.05 / 3,770,349.67
69	26,010.68 / 3,789,383.16	23,409.61 / 3,410,444.96	25,058.05 / 3,751,261.34
70	26,010.68 / 3,770,635.46	23,409.61 / 3,393,572.04	25,058.05 / 3,732,142.79
71	26,010.68 / 3,751,851.83	23,409.61 / 3,376,666.78	25,058.05 / 3,712,993.97
72	26,010.68 / 3,733,032.20	23,409.61 / 3,359,729.11	25,058.05 / 3,693,814.83
73	26,010.68 / 3,714,176.50	23,409.61 / 3,342,758.98	25,058.05 / 3,674,605.32
74	26,010.68 / 3,695,284.66	23,409.61 / 3,325,756.32	25,058.05 / 3,655,365.40
75	26,010.68 / 3,676,356.61	23,409.61 / 3,308,721.08	25,058.05 / 3,636,095.01
76	26,010.68 / 3,657,392.28	23,409.61 / 3,291,653.19	25,058.05 / 3,616,794.11
77	26,010.68 / 3,638,391.60	23,409.61 / 3,274,552.58	25,058.05 / 3,597,462.65
78	26,010.68 / 3,619,354.50	23,409.61 / 3,257,419.20	25,058.05 / 3,578,100.58
79	26,010.68 / 3,600,280.92	23,409.61 / 3,240,252.98	25,058.05 / 3,558,707.86
80	26,010.68 / 3,581,170.78	23,409.61 / 3,223,053.85	25,058.05 / 3,539,284.43
81	26,010.68 / 3,562,024.01	23,409.61 / 3,205,821.76	25,058.05 / 3,519,830.25
82	26,010.68 / 3,542,840.54	23,409.61 / 3,188,556.64	25,058.05 / 3,500,345.26
83	26,010.68 / 3,523,620.30	23,409.61 / 3,171,258.43	25,058.05 / 3,480,829.42
84	26,010.68 / 3,504,363.23	23,409.61 / 3,153,927.07	25,058.05 / 3,461,282.68
85	26,010.68 / 3,485,069.25	23,409.61 / 3,136,562.49	25,058.05 / 3,441,704.99
86	26,010.68 / 3,465,738.29	23,409.61 / 3,119,164.62	25,058.05 / 3,422,096.31
87	26,010.68 / 3,446,370.28	23,409.61 / 3,101,733.41	25,058.05 / 3,402,456.58
88	26,010.68 / 3,426,965.14	23,409.61 / 3,084,268.79	25,058.05 / 3,382,785.75
89	26,010.68 / 3,407,522.81	23,409.61 / 3,066,770.70	25,058.05 / 3,363,083.78
90	26,010.68 / 3,388,043.22	23,409.61 / 3,049,239.07	25,058.05 / 3,343,350.61
91	26,010.68 / 3,368,526.29	23,409.61 / 3,031,673.83	25,058.05 / 3,323,586.20
92	26,010.68 / 3,348,971.95	23,409.61 / 3,014,074.93	25,058.05 / 3,303,790.49
93	26,010.68 / 3,329,380.13	23,409.61 / 2,996,442.30	25,058.05 / 3,283,963.44
94	26,010.68 / 3,309,750.76	23,409.61 / 2,978,775.87	25,058.05 / 3,264,105.00
95	26,010.68 / 3,290,083.77	23,409.61 / 2,961,075.58	25,058.05 / 3,244,215.12
96	26,010.68 / 3,270,379.08	23,409.61 / 2,943,341.36	25,058.05 / 3,224,293.74
97	26,010.68 / 3,250,636.63	23,409.61 / 2,925,573.15	25,058.05 / 3,204,340.82
98	26,010.68 / 3,230,856.34	23,409.61 / 2,907,770.89	25,058.05 / 3,184,356.31
99	26,010.68 / 3,211,038.13	23,409.61 / 2,889,934.51	25,058.05 / 3,164,340.16
100	26,010.68 / 3,191,181.94	23,409.61 / 2,872,063.94	25,058.05 / 3,144,292.32
101	26,010.68 / 3,171,287.69	23,409.61 / 2,854,159.12	25,058.05 / 3,124,212.73
102	26,010.68 / 3,151,355.31	23,409.61 / 2,836,219.98	25,058.05 / 3,104,101.35
103	26,010.68 / 3,131,384.73	23,409.61 / 2,818,246.46	25,058.05 / 3,083,958.13
104	26,010.68 / 3,111,375.87	23,409.61 / 2,800,238.49	25,058.05 / 3,063,783.01
105	26,010.68 / 3,091,328.66	23,409.61 / 2,782,196.00	25,058.05 / 3,043,575.95
106	26,010.68 / 3,071,243.03	23,409.61 / 2,764,118.93	25,058.05 / 3,023,336.90
107	26,010.68 / 3,051,118.90	23,409.61 / 2,746,007.21	25,058.05 / 3,003,065.80
108	26,010.68 / 3,030,956.20	23,409.61 / 2,727,860.78	25,058.05 / 2,982,762.60
109	26,010.68 / 3,010,754.85	23,409.61 / 2,709,679.57	25,058.05 / 2,962,427.26
110	26,010.68 / 2,990,514.78	23,409.61 / 2,691,463.51	25,058.05 / 2,942,059.72
111	26,010.68 / 2,970,235.92	23,409.61 / 2,673,212.54	25,058.05 / 2,921,659.93
112	26,010.68 / 2,949,918.19	23,409.61 / 2,654,926.59	25,058.05 / 2,901,227.84
113	26,010.68 / 2,929,561.52	23,409.61 / 2,636,605.59	25,058.05 / 2,880,763.40
114	26,010.68 / 2,909,165.83	23,409.61 / 2,618,249.47	25,058.05 / 2,860,266.56
115	26,010.68 / 2,888,731.05	23,409.61 / 2,599,858.17	25,058.05 / 2,839,737.27
116	26,010.68 / 2,868,257.10	23,409.61 / 2,581,431.62	25,058.05 / 2,819,175.47
117	26,010.68 / 2,847,743.91	23,409.61 / 2,562,969.75	25,058.05 / 2,798,581.11
118	26,010.68 / 2,827,191.41	23,409.61 / 2,544,472.50	25,058.05 / 2,777,954.15
119	26,010.68 / 2,806,599.51	23,409.61 / 2,525,939.80	25,058.05 / 2,757,294.53
120	26,010.68 / 2,785,968.15	23,409.61 / 2,507,371.57	25,058.05 / 2,736,602.20
121	26,010.68 / 2,765,297.24	23,409.61 / 2,488,767.76	25,058.05 / 2,715,877.10
122	26,010.68 / 2,744,586.71	23,409.61 / 2,470,128.29	25,058.05 / 2,695,119.19
123	26,010.68 / 2,723,836.49	23,409.61 / 2,451,453.09	25,058.05 / 2,674,328.41
124	26,010.68 / 2,703,046.50	23,409.61 / 2,432,742.10	25,058.05 / 2,653,504.71
125	26,010.68 / 2,682,216.66	23,409.61 / 2,413,995.25	25,058.05 / 2,632,648.04
126	26,010.68 / 2,661,346.90	23,409.61 / 2,395,212.46	25,058.05 / 2,611,758.35
127	26,010.68 / 2,640,437.13	23,409.61 / 2,376,393.67	25,058.05 / 2,590,835.58
128	26,010.68 / 2,619,487.29	23,409.61 / 2,357,538.81	25,058.05 / 2,569,879.69
129	26,010.68 / 2,598,497.29	23,409.61 / 2,338,647.82	25,058.05 / 2,548,890.62
130	26,010.68 / 2,577,467.06	23,409.61 / 2,319,720.62	25,058.05 / 2,527,868.31
131	26,010.68 / 2,556,396.53	23,409.61 / 2,300,757.14	25,058.05 / 2,506,812.72
132	26,010.68 / 2,535,285.61	23,409.61 / 2,281,757.31	25,058.05 / 2,485,723.79
133	26,010.68 / 2,514,134.23	23,409.61 / 2,262,721.07	25,058.05 / 2,464,601.47
134	26,010.68 / 2,492,942.31	23,409.61 / 2,243,648.34	25,058.05 / 2,443,445.71
135	26,010.68 / 2,471,709.77	23,409.61 / 2,224,539.06	25,058.05 / 2,422,256.45
136	26,010.68 / 2,450,436.53	23,409.61 / 2,205,393.15	25,058.05 / 2,401,033.64
137	26,010.68 / 2,429,122.52	23,409.61 / 2,186,210.54	25,058.05 / 2,379,777.23
138	26,010.68 / 2,407,767.66	23,409.61 / 2,166,991.17	25,058.05 / 2,358,487.16
139	26,010.68 / 2,386,371.87	23,409.61 / 2,147,734.96	25,058.05 / 2,337,163.38
140	26,010.68 / 2,364,935.07	23,409.61 / 2,128,441.84	25,058.05 / 2,315,805.84
141	26,010.68 / 2,343,457.18	23,409.61 / 2,109,111.74	25,058.05 / 2,294,414.48
142	26,010.68 / 2,321,938.13	23,409.61 / 2,089,744.59	25,058.05 / 2,272,989.25
143	26,010.68 / 2,300,377.83	23,409.61 / 2,070,340.32	25,058.05 / 2,251,530.10
144	26,010.68 / 2,278,776.21	23,409.61 / 2,050,898.86	25,058.05 / 2,230,036.97
145	26,010.68 / 2,257,133.18	23,409.61 / 2,031,420.14	25,058.05 / 2,208,509.81
146	26,010.68 / 2,235,448.67	23,409.61 / 2,011,904.09	25,058.05 / 2,186,948.57
147	26,010.68 / 2,213,722.60	23,409.61 / 1,992,350.63	25,058.05 / 2,165,353.19
148	26,010.68 / 2,191,954.89	23,409.61 / 1,972,759.69	25,058.05 / 2,143,723.62
149	26,010.68 / 2,170,145.46	23,409.61 / 1,953,131.20	25,058.05 / 2,122,059.80
150	26,010.68 / 2,148,294.23	23,409.61 / 1,933,465.09	25,058.05 / 2,100,361.68
151	26,010.68 / 2,126,401.11	23,409.61 / 1,913,761.29	25,058.05 / 2,078,629.20
152	26,010.68 / 2,104,466.03	23,409.61 / 1,894,019.72	25,058.05 / 2,056,862.31
153	26,010.68 / 2,082,488.91	23,409.61 / 1,874,240.31	25,058.05 / 2,035,060.96
154	26,010.68 / 2,060,469.67	23,409.61 / 1,854,422.99	25,058.05 / 2,013,225.09
155	26,010.68 / 2,038,408.22	23,409.61 / 1,834,567.69	25,058.05 / 1,991,354.65
156	26,010.68 / 2,016,304.49	23,409.61 / 1,814,674.33	25,058.05 / 1,969,449.58
157	26,010.68 / 1,994,158.39	23,409.61 / 1,794,742.85	25,058.05 / 1,947,509.83
158	26,010.68 / 1,971,969.85	23,409.61 / 1,774,773.16	25,058.05 / 1,925,535.34
159	26,010.68 / 1,949,738.78	23,409.61 / 1,754,765.20	25,058.05 / 1,903,526.05
160	26,010.68 / 1,927,465.10	23,409.61 / 1,734,718.89	25,058.05 / 1,881,481.92
161	26,010.68 / 1,905,148.73	23,409.61 / 1,714,634.16	25,058.05 / 1,859,402.88
162	26,010.68 / 1,882,789.59	23,409.61 / 1,694,510.93	25,058.05 / 1,837,288.88
163	26,010.68 / 1,860,387.59	23,409.61 / 1,674,349.13	25,058.05 / 1,815,139.87
164	26,010.68 / 1,837,942.65	23,409.61 / 1,654,148.69	25,058.05 / 1,792,955.79
165	26,010.68 / 1,815,454.69	23,409.61 / 1,633,909.53	25,058.05 / 1,770,736.59
166	26,010.68 / 1,792,923.63	23,409.61 / 1,613,631.58	25,058.05 / 1,748,482.21
167	26,010.68 / 1,770,349.39	23,409.61 / 1,593,314.76	25,058.05 / 1,726,192.59
168	26,010.68 / 1,747,731.88	23,409.61 / 1,572,959.00	25,058.05 / 1,703,867.68
169	26,010.68 / 1,725,071.02	23,409.61 / 1,552,564.23	25,058.05 / 1,681,507.42
170	26,010.68 / 1,702,366.73	23,409.61 / 1,532,130.37	25,058.05 / 1,659,111.76
171	26,010.68 / 1,679,618.92	23,409.61 / 1,511,657.34	25,058.05 / 1,636,680.64
172	26,010.68 / 1,656,827.51	23,409.61 / 1,491,145.07	25,058.05 / 1,614,214.00
173	26,010.68 / 1,633,992.42	23,409.61 / 1,470,593.49	25,058.05 / 1,591,711.79
174	26,010.68 / 1,611,113.56	23,409.61 / 1,450,002.52	25,058.05 / 1,569,173.95
175	26,010.68 / 1,588,190.85	23,409.61 / 1,429,372.08	25,058.05 / 1,546,600.43
176	26,010.68 / 1,565,224.20	23,409.61 / 1,408,702.10	25,058.05 / 1,523,991.16
177	26,010.68 / 1,542,213.53	23,409.61 / 1,387,992.50	25,058.05 / 1,501,346.10
178	26,010.68 / 1,519,158.76	23,409.61 / 1,367,243.21	25,058.05 / 1,478,665.18
179	26,010.68 / 1,496,059.80	23,409.61 / 1,346,454.15	25,058.05 / 1,455,948.35
180	26,010.68 / 1,472,916.57	23,409.61 / 1,325,625.24	25,058.05 / 1,433,195.55
181	26,010.68 / 1,449,728.98	23,409.61 / 1,304,756.41	25,058.05 / 1,410,406.73
182	26,010.68 / 1,426,496.95	23,409.61 / 1,283,847.58	25,058.05 / 1,387,581.82
183	26,010.68 / 1,403,220.39	23,409.61 / 1,262,898.68	25,058.05 / 1,364,720.77
184	26,010.68 / 1,379,899.22	23,409.61 / 1,241,909.63	25,058.05 / 1,341,823.53
185	26,010.68 / 1,356,533.35	23,409.61 / 1,220,880.35	25,058.05 / 1,318,890.03
186	26,010.68 / 1,333,122.69	23,409.61 / 1,199,810.76	25,058.05 / 1,295,920.22
187	26,010.68 / 1,309,667.16	23,409.61 / 1,178,700.79	25,058.05 / 1,272,914.04
188	26,010.68 / 1,286,166.68	23,409.61 / 1,157,550.36	25,058.05 / 1,249,871.44
189	26,010.68 / 1,262,621.15	23,409.61 / 1,136,359.39	25,058.05 / 1,226,792.35
190	26,010.68 / 1,239,030.49	23,409.61 / 1,115,127.80	25,058.05 / 1,203,676.72
191	26,010.68 / 1,215,394.62	23,409.61 / 1,093,855.52	25,058.05 / 1,180,524.49
192	26,010.68 / 1,191,713.45	23,409.61 / 1,072,542.47	25,058.05 / 1,157,335.60
193	26,010.68 / 1,167,986.89	23,409.61 / 1,051,188.57	25,058.05 / 1,134,110.00
194	26,010.68 / 1,144,214.85	23,409.61 / 1,029,793.74	25,058.05 / 1,110,847.62
195	26,010.68 / 1,120,397.25	23,409.61 / 1,008,357.90	25,058.05 / 1,087,548.41
196	26,010.68 / 1,096,534.00	23,409.61 / 986,880.98	25,058.05 / 1,064,212.31
197	26,010.68 / 1,072,625.01	23,409.61 / 965,362.89	25,058.05 / 1,040,839.26
198	26,010.68 / 1,048,670.19	23,409.61 / 943,803.56	25,058.05 / 1,017,429.21
199	26,010.68 / 1,024,669.46	23,409.61 / 922,202.91	25,058.05 / 993,982.09
200	26,010.68 / 1,000,622.73	23,409.61 / 900,560.86	25,058.05 / 970,497.84
201	26,010.68 / 976,529.91	23,409.61 / 878,877.32	25,058.05 / 946,976.41
202	26,010.68 / 952,390.91	23,409.61 / 857,152.22	25,058.05 / 923,417.74
203	26,010.68 / 928,205.65	23,409.61 / 835,385.49	25,058.05 / 899,821.77
204	26,010.68 / 903,974.03	23,409.61 / 813,577.04	25,058.05 / 876,188.44
205	26,010.68 / 879,695.97	23,409.61 / 791,726.79	25,058.05 / 852,517.69
206	26,010.68 / 855,371.37	23,409.61 / 769,834.66	25,058.05 / 828,809.46
207	26,010.68 / 831,000.15	23,409.61 / 747,900.57	25,058.05 / 805,063.69
208	26,010.68 / 806,582.22	23,409.61 / 725,924.44	25,058.05 / 781,280.32
209	26,010.68 / 782,117.49	23,409.61 / 703,906.19	25,058.05 / 757,459.30
210	26,010.68 / 757,605.87	23,409.61 / 681,845.73	25,058.05 / 733,600.56
211	26,010.68 / 733,047.27	23,409.61 / 659,742.99	25,058.05 / 709,704.04
212	26,010.68 / 708,441.60	23,409.61 / 637,597.89	25,058.05 / 685,769.69
213	26,010.68 / 683,788.77	23,409.61 / 615,410.34	25,058.05 / 661,797.44
214	26,010.68 / 659,088.69	23,409.61 / 593,180.27	25,058.05 / 637,787.24
215	26,010.68 / 634,341.26	23,409.61 / 570,907.59	25,058.05 / 613,739.02
216	26,010.68 / 609,546.40	23,409.61 / 548,592.22	25,058.05 / 589,652.72
217	26,010.68 / 584,704.02	23,409.61 / 526,234.08	25,058.05 / 565,528.29
218	26,010.68 / 559,814.02	23,409.61 / 503,833.09	25,058.05 / 541,365.66
219	26,010.68 / 534,876.32	23,409.61 / 481,389.16	25,058.05 / 517,164.77
220	26,010.68 / 509,890.82	23,409.61 / 458,902.21	25,058.05 / 492,925.56
221	26,010.68 / 484,857.43	23,409.61 / 436,372.16	25,058.05 / 468,647.98
222	26,010.68 / 459,776.06	23,409.61 / 413,798.93	25,058.05 / 444,331.96
223	26,010.68 / 434,646.62	23,409.61 / 391,182.43	25,058.05 / 419,977.44
224	26,010.68 / 409,469.01	23,409.61 / 368,522.59	25,058.05 / 395,584.35
225	26,010.68 / 384,243.15	23,409.61 / 345,819.31	25,058.05 / 371,152.64
226	26,010.68 / 358,968.94	23,409.61 / 323,072.52	25,058.05 / 346,682.25
227	26,010.68 / 333,646.28	23,409.61 / 300,282.13	25,058.05 / 322,173.11
228	26,010.68 / 308,275.09	23,409.61 / 277,448.06	25,058.05 / 297,625.17
229	26,010.68 / 282,855.27	23,409.61 / 254,570.23	25,058.05 / 273,038.36
230	26,010.68 / 257,386.73	23,409.61 / 231,648.55	25,058.05 / 248,412.62
231	26,010.68 / 231,869.37	23,409.61 / 208,682.93	25,058.05 / 223,747.89
232	26,010.68 / 206,303.11	23,409.61 / 185,673.30	25,058.05 / 199,044.11
233	26,010.68 / 180,687.84	23,409.61 / 162,619.56	25,058.05 / 174,301.21
234	26,010.68 / 155,023.48	23,409.61 / 139,521.64	25,058.05 / 149,519.14
235	26,010.68 / 129,309.93	23,409.61 / 116,379.45	25,058.05 / 124,697.83
236	26,010.68 / 103,547.09	23,409.61 / 93,192.90	25,058.05 / 99,837.22
237	26,010.68 / 77,734.88	23,409.61 / 69,961.91	25,058.05 / 74,937.25
238	26,010.68 / 51,873.19	23,409.61 / 46,686.39	25,058.05 / 49,997.85
239	26,010.68 / 25,961.93	23,409.61 / 23,366.26	25,058.05 / 25,018.96
240	26,011.69 / 0.00	23,411.05 / 0.00	25,058.57 / 0.00

即時結果解讀

共同初始可用資金: 500,000.00 · 共同評估期間: 240 月

目前相對A的折現總義務差額（負值表示較低）: B -15,036.09；C -158,630.05。結果同時考慮初始支出與期末負債，不按月付或利息單獨排名。

轉貸首次損益兩平月份: 19；之後至評估期末持續成立: 是。

結果怎麼看？

先區分每月負擔與整體成本：低月付可能來自延長期限。再一起閱讀初始現金、費用、同期間現值及期末負債；流動性與機會成本也有價值。損益兩平須看定義及之後是否持續成立，不只看首次跨越。

計算方式與假設

本息平均月付款

A = \frac{P r}{1 - {(1 + r)}^{- n}} (r ≠ 0); A = \frac{P}{n} (r = 0)

利息、還本與提前還款

I_{m} = B_{m - 1} r; C_{m} = A_{m} - I_{m}; P^{'} = P - L

共同期間現值比較

PV = O + \sum_{m = 1}^{H} \frac{A_{m}}{q^{m}} + \frac{B_{H}}{q^{H}}; NetPV = PV - C_{0}

共同初始資金統一設為max(B提前本金＋B費用,C全部費用)。保留現金以相同有效年率增長，月折現因子q=(1+d)^(1/12)。總義務現值=現在支出＋Σ月付/qᵐ＋期末本金/qᴴ；淨成本=總義務現值−共同初始資金。等價於未來付款與負債現值扣掉保留現金，不重複扣款。

損益兩平逐月重算累計折現付款差及當月未償本金差，再扣轉貸費；零費用且尚未付款的比較起點可為第0月。付款按既有月底、名目年率／12、分記帳與尾款規則。

適用範圍與模型限制

固定利率，未含通膨、所得稅、房價變動、保險、未指定費用或未來再轉貸。利率及現金增長假設不保證實現，亦未量化流動性價值。提前還款本金不是費用，但確實占用現在現金。實際契約可能禁止重新攤還或另計違約金，需自行核對。

常見問題

能把這份結果當成銀行正式試算嗎？

不能。銀行可能按日計息、限制重新攤還或另收費用，需核對契約。本模型採固定利率與按月分記帳，不取代報價。

首次損益兩平是否保證轉貸從此更便宜？

不保證。須看之後是否持續成立及共同評估期限；期限變更、後續費用和流動性需求都可能改變決策。