Loan Refinance
Compare current and new payments when refinancing to a new rate or term.
Original payment
13 758 Kč
New payment
12 653 Kč
Monthly saving
1 105 Kč
Original total cost
3 301 859 Kč
New total cost (incl. fees)
3 056 717 Kč
Total savings
245 142 Kč
Fee break-even (months)
18,1
Comparison of remaining annuity costs including refinance fees.
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Methodology
Annuity comparison: old vs new payment; new total cost = sum of new payments + fees; savings = old total − new total.
Example: 2M CZK, 5.5% → 4.5%, 20 years, 20,000 CZK fees → positive monthly and total savings
Methodology
Compares remaining payment on current loan with new rate and term; savings = difference in total cost.
Example
1.5M CZK remaining, 1 pp rate cut may save tens of thousands CZK per year.