米国の住宅ローン借り換えによる月額削減額、手数料回収期間（損益分岐月数）、総利息削減効果を試算。
Breakeven Months = Closing Costs ÷ (Current PMT - New PMT) | PMT = P × [r(1+r)ⁿ] / [(1+r)ⁿ - 1]Refinance feasibility requires analyzing monthly cash flow relief against upfront transaction frictional costs (title, appraisal, origination fees). Deterministic IEEE-754 decimal arithmetic models exact principal amortizations and avoids rounding inaccuracies.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.