Housing loans repayment learned, see how much interest you pay?
after a house of citizens Wang bought a housing loan of 390 thousand yuan for 20 years in a bank. But then he discovered that his mortgage loan was clear in November 10th last year, and the bank appointed him to wait until December 20th.
in this way, Mr. Wang paid the interest on the loan for 40 days in the first month. Although he also had less than 10 days in the last month, Mr. Wang, who took the "equal capital" method, found that he paid more than 390 thousand yuan
10 days interest, and paid more than 500 yuan for this. Reporter survey found that, like Mr. Wang, hundreds of millions of interest paid mortgage customers are few.
the first month the interest of more than 500 yuan
recently, Mr. Wang told reporters that he bought a set of commercial housing, through the provident fund loan in a bank to deal with a total of 390 thousand yuan of loans. Bank loans were issued in November 10th last year. Mr. Wang was filled with joy.
quickly gathered all the money to prepare for repayment in December 10th. But the fact is not what he thought. The repayment day that the bank told him is not the 10 day of the month, but the 20 day of each month. "The bank explains that this is the regulation of
the first month is 40 days of repayment cycle so much more, but the last month will be less than 10 days of interest, is not the balance? "I thought it may be true at first, but quieted down to find wrong."
Mr. Wang said, he chose the "equal amount of principal" repayment, that is, the same monthly principal, the interest is reduced according to the month, "I first month repayment is in accordance with the interest of 390 thousand calculation, the last month the principal is still almost the same, the interest between this room is much worse."
some people pay more and others pay less
calculated, it seems that this designated repayment of Yogyakarta disaster. So why can't the bank unify the lending day and the repayment day so that every lender is not fair? One bank personage says the main reason is that the bank is now withholding money by computer program centralization, that is, the monthly repayment day, for example, 20 days per month, all the mortgage loans are done in the bank. Unify the buttons. And every day to deduct money, and to identify who
is 1 days to deduct money, who is the 2 day deduction...... Most of the banks may not be able to do it.
lawyer: the bank should inform
Song Zhenxiang lawyer of Shandong Chen Jing's law firm in advance that the key to the problem lies in whether the bank has the prior notification and the obligation to fulfill the notification. "The bank may have its own regulations, but should let the buyer know in advance"
. Song Zhenxiang suggested that when signing a loan contract, buyers should pay more attention to the contents of the contract, and advance the date of repayment with the loan bank in order to avoid disputes.
there is also a legal person who believes that, from the "fair principle", the bank should take the buyer as an equal subject, on the one hand, the obligations and rights of the buyers and the banks should be equal, and the two sides should consult together on the day of repayment, on the other hand, as a lender with the house of the lender. People should be equal. They can not be unfair because of the reasons of the banking system.