Refinance Savings Calculator
See how much you can save by refinancing your loan at a lower interest rate.
Current Loan
VND
%
New Refinance Offer
%
VND
Refinancing Watchout
Lowering your monthly payment can sometimes be more expensive in the long run if you extend the loan term. Always check the total interest paid over the remaining life of the loan.
Calculation Time: 11:28:38 18/02/2026
Simulation ID: CALC-REF-1771414118829
Refinance Analysis Report
Monthly Savings
763.104 ₫
Reduction in monthly payment
Total Savings
86.572.475 ₫
Lifetime interest savings (after fees)
Results are estimates. Actual refinancing terms may differ from your lender's offer.
Comparison Analysis
Interest (Current)227.965.566 ₫
Interest (New)136.393.091 ₫
Refinance Fees5.000.000 ₫
Break-even Period
6.6
Months to recover costs
Input Summary
Current Principal500.000.000 ₫
Current Rate (%)8%
Years Remaining10
New Rate (%)5%
New Term (Years)10
Processing Fees5.000.000 ₫
This report is auto-generated by FinTools Professional. For informational purposes only.