Сравнение экономии начальной ставки по ипотеке 5/1 и 7/1 ARM с 30-летней фиксированной ставкой и расчет точки безубыточности.
Borrowing amount, 30-year fixed rate, and ARM adjustment terms
Maximum rate ceiling: 10.75% (Worst-Case Monthly: $3,569.83)
If you plan to sell or refinance before year 11.2, the ARM puts you ahead by up to $15,606.06 in net cash savings.
Guaranteed cumulative savings across 5 years ($260.1/month)
ARM Initial Payment
$2,334.29
30-Yr Fixed Payment
$2,594.39
ARM Reset Payment
$2,802.64
Worst-Case Ceiling
$3,569.83
Breakeven Horizon = Teaser Years + [ Cumulative Teaser Savings ÷ (Post-Reset Payment - Fixed Payment) ] ÷ 12Compares fixed vs variable amortization schedules. Cumulative upfront savings during the teaser phase act as a financial buffer against potential future rate increases upon index adjustment.
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.
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