"This article is based on reliable sources"
"What's going on? I've been repaying my mortgage for nine years, and I've repaid more than 9,000 yuan a month on time, so why is the principal not a penny, but the interest is as high as hundreds of thousands?" The man raised his voice angrily, pointing to the numbers on the electronic screen and questioning the scrambled staff members.
After inquiry, many people around learned that the man had repaid the loan for nine years after buying the house nine years ago, and when he came to the bank to check, he repaid all the interest, and the principal was not less at all.
In this regard, the bank said, "At that time, you signed the contract yourself, and it has nothing to do with our bank......
Nine years of repayment of the loan principal is not less than the slightest
A man surnamed Liu from Hangzhou came to the bank to check his loan. But who knew that he found that he had repaid the loan for nine years and had not lost a penny, and the man angrily questioned the bank staff.
The staff at the bank counter looked a little embarrassed, and she patiently explained: "Sir, you originally chose the equal principal and interest repayment method, and the monthly repayment amount is the same, but as long as you continue to repay as scheduled, the principal will decline faster in the later period..."
"Enough!" Liu interrupted her explanation, tears rolling in his eyes, "I have worked hard for so many years, all to buy a house for my family, but I didn't expect that now the mortgage has not been paid off, but I owe more interest!
It turned out that Liu had saved some money through several years of hard work, and after having children, he decided to take out a loan to buy a house, and after carefully selecting with his wife nine years ago, he borrowed 2.08 million yuan from the bank to buy a house.
At that time, he chose the equal principal and interest repayment method, with a fixed monthly repayment of 9,100 yuan.
Nine years have passed, and he thought that most of the loans had been paid off, but he didn't know that the loan principal was not less, but because the interest was still hundreds of thousands.
For a while, all kinds of pictures of years of hard work for the mortgage came to his mind, and he looked at the principal on the bank's electronic screen, and finally couldn't hold back the pain in his heart, and cried loudly in the bank lobby.
In the face of Liu's situation, the bank replied that this was the repayment method of equal principal and interest that he chose at that time, and he had explained the situation to him when he applied for the loan at that time. So it's not about our bank.
The bank said that it had nothing to do with the bank
Nowadays, people in society want to buy a house, and many young people have become house slaves, in fact, this situation of men is not an exception;
It has been reported before that Mr. Pu from Nanjing also borrowed 1.17 million yuan from the bank to buy a house at that time. The choice is to repay the loan in equal principal and interest, and the monthly repayment of 8000 is for a period of 20 years. Seven years after repaying the loan, Mr. Pu accidentally found that he had repaid the interest for seven years, and the principal of 1.17 million borrowed at that time had not decreased at all.
Of course, this Liu's experience does make people feel sympathetic. However, in modern society, loan contracts are a very important legal document for both individuals and institutions that must be strictly followed. Once signed, it means that both parties fully understand and agree to the terms of the contract.
Liu originally chose the equal principal and interest repayment method, although in the first few installments, the interest accounted for a relatively large amount, but as the principal gradually decreased, the interest will also be reduced accordingly. This is a feature of the equal principal and interest repayment model.
The bank staff explained that they only followed the repayment plan agreed by both parties in advance and did not have any irregularities.
This incident reflects a common problem: when signing a loan contract, many people often neglect to review the details and terms of the contract, and lack an in-depth understanding of the content of the contract. Once there is a disagreement, there will be a sense of grievance and injustice.
After all, the contract is the most basic and important legal document in civil activities, which protects the rights and obligations of both parties to the transaction and maintains the operation of the social and economic order. Every citizen should respect and abide by the spirit of the contract, and not dictate it on his own. This is not only contrary to the concept of the rule of law, but also causes problems for others.
In general, although the dispute between the man and the bank is full of emotion, in the final analysis, it is caused by the man's own lack of thorough grasp of the contract.
We should learn from this: before signing any contract, we must carefully review each clause, ask questions about what we don't understand, and don't blindly lead to misunderstandings. Only in this way can we avoid the damage to our rights and interests in the future and safeguard our legitimate interests.
Conclusion
Financial activities have permeated all corners of life, and loans, as an important part, bring us convenience, but also hide risks and pitfalls. Any negligence and blindness can get a person into trouble and place a heavy burden on themselves and their families.
Therefore, both borrowers and lending institutions must remain rational and vigilant, fully understand the connotation of loans, and think deeply about the possible consequences.
Only by working together can we establish a healthy and stable lending relationship, give full play to the essential role of loans, and inject positive energy into social and personal development.
We hope that Liu will get out of the predicament as soon as possible, and this experience is a huge wake-up call for him, allowing him to re-examine his life and ignite hope and courage for the future.
reference
The mortgage has been repaid for 7 years and 1 cent, and the principal is not less, and the mortgage has "interest before principal" ?—— Red Star Network
The man cried in the bank, bought a house loan of 2.08 million, repaid 9,100 per month, and repaid the principal for nine years