Pontos | CalcxApp
Calcule o valor real dos pontos do seu cartão de crédito com gráficos.
[object Object].annualPoints
86,000 [object Object].points
[object Object].netValue
$765.00
[object Object].effectiveRate
3.19%
[object Object].breakEvenMonths
2 [object Object].months
[object Object].monthlyValue
$63.75
[object Object].chartBreakdown
[object Object].chartAccumulation
[object Object].chartAccumulation
| [object Object].tableMonth | [object Object].tableSpend | [object Object].tablePointsEarned | [object Object].tableCumulativePoints | [object Object].tableCumulativeValue | [object Object].tableNetValue |
|---|---|---|---|---|---|
| 1 | $2,000.00 | 3,000 | 3,000 | $30.00 | -$65.00 |
| 2 | $2,000.00 | 53,000 | 56,000 | $560.00 | $465.00 |
| 3 | $2,000.00 | 3,000 | 59,000 | $590.00 | $495.00 |
| 4 | $2,000.00 | 3,000 | 62,000 | $620.00 | $525.00 |
| 5 | $2,000.00 | 3,000 | 65,000 | $650.00 | $555.00 |
| 6 | $2,000.00 | 3,000 | 68,000 | $680.00 | $585.00 |
| 7 | $2,000.00 | 3,000 | 71,000 | $710.00 | $615.00 |
| 8 | $2,000.00 | 3,000 | 74,000 | $740.00 | $645.00 |
| 9 | $2,000.00 | 3,000 | 77,000 | $770.00 | $675.00 |
| 10 | $2,000.00 | 3,000 | 80,000 | $800.00 | $705.00 |
| 11 | $2,000.00 | 3,000 | 83,000 | $830.00 | $735.00 |
| 12 | $2,000.00 | 3,000 | 86,000 | $860.00 | $765.00 |
Enciclopedia
What Are Mortgage Points?
Mortgage points (also called discount points) are fees you pay upfront to your lender at closing in exchange for a reduced interest rate. One point typically costs 1% of your loan amount and reduces your interest rate by 0.25 percentage points. On a $300,000 loan, one point costs $3,000 and might lower your rate from 7.0% to 6.75%.
When Points Make Sense
Points are beneficial when you plan to stay in the home beyond the break-even period. The break-even point is the time it takes for your monthly savings to equal the upfront cost. If you sell or refinance before breaking even, you lose money. Generally, points are a good deal if you plan to keep the mortgage for at least 5-7 years.
Tax Implications
Mortgage points may be tax-deductible as prepaid interest. For a home purchase, points are generally deductible in the year paid (if certain conditions are met). For a refinance, points must be deducted ratably over the life of the loan. Consult a tax professional for your specific situation.
Negative Points (Rebate Points)
Some lenders offer negative points (lender credits), where you accept a higher rate in exchange for lower closing costs. This can be useful if you are short on cash or plan to move within a few years. The trade-off is higher monthly payments for the life of the loan.
Points vs. Higher Down Payment
Compare the return on buying points versus using that money for a larger down payment. A larger down payment reduces your loan amount and may eliminate PMI. Points only reduce the rate. Run both scenarios to determine which saves more over your expected time in the home.
Exemplo Pratico
Example: $400,000 Loan at 7.0%
James is offered a $400,000 30-year mortgage at 7.0%. He can buy 2 points for $8,000 (2% of loan) to reduce his rate to 6.5%. Without points: monthly payment $2,661. With points: $2,528/month, saving $133/month. Break-even: $8,000 / $133 = 60 months (5 years). Over 30 years, he saves $133 x 360 = $47,880 minus the $8,000 cost = $39,880 net savings.
FAQ
Quanto does um financiamento imobiliário point custo?
One point custos 1% de seu empréstimo quantidade. On a $300,000 empréstimo, um point custos $3,000. Each point typically reduces seu taxa por 0.25 porcentagem pontos, though este varies por credor.
Devo buy pontos ou make um larger down pagamento?
It depende em seu timeline. If você planeje para stay 7+ anos, pontos frequentemente forneça better poupança. For shorter stays, um larger down pagamento (qual reduces principal e pode eliminate PMI) é usually better.
São financiamento imobiliário pontos imposto deductible?
Points em um casa purchase pode ser deductible em o ano pago. Points em um refinance deve ser spread over o empréstimo term. There são renda e itemization requirements. Consult um imposto professional.
Posso negotiate o custo de pontos?
Yes. Different lenders offer diferente point pricing. Some pode charge menos than 1% per point ou offer greater taxa reductions. Always compare Loan Estimates de multiple lenders.
O que é o break-even point?
O break-even point é o number de meses até seu cumulative mensalmente poupança equal o upfront custo de buying pontos. If break-even é 60 meses e você planeje para stay 10 anos, você economizar money para 60 adicional meses.
⚠️ Esta calculadora fornece estimativas apenas para fins educacionais.