Refinance Analysis Calculator

Compare your current loan against a refinance option. Calculate interest savings, break-even point, and net benefit.

Formula

Net Savings = Interest Savings - Refinancing Costs

Pro Tips

1.Break-even point: compare payback period to expected holding period

2.Rate reductions of 0.5%+ usually warrant refinancing if costs are reasonable

3.Factor in prepayment penalties on current loan if applicable

4.Consider rate lock periods before rate changes

5.Refinancing can extend or shorten the loan term based on strategy

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Market Data

10Y Treasury3.96%↓ 5bps

Fed Funds3.50-3.75%HOLD

NNN Avg Cap6.25%↓ 15bps YoY

CRE Loan Vol$52.1B↑ 8%

CMBS Spread165bps↓ 10bps

NNN Spread229bps↑ 12bps

Calculators/Refinance Analysis Calculator

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