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How Can We Shield The Cost Factors In The Loan Contract?

2010/11/20 15:36:00 56

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There are no trivial matters in the loan contract, but many people do not read anything written on it when they sign the loan contract with the bank, so they are dumbfounded when the interest rate rises.

According to the fact, Xiaobian understands that the loan interest rates of different banks are quite different.

How to shield money in loan contracts

Factor

A while ago, the central bank increased interest rates.

Xiaobian

Friends who are familiar with it come to look at Xiaobian.

He asked Xiaobian that the bank said the monthly supply and interest of the stock loan were calculated. According to the loan contract, what was the meaning of the execution? Waiting for the Xiaobian to turn his contract down, it was clear that the loan contract expressly stated that "after the loan is issued, the benchmark interest rate will be adjusted, starting from January 1st next year on the date of the adjustment of the base interest rate, and the new interest rate will be determined and implemented according to the adjusted benchmark interest rate and the agreed floating ratio (the existing provisions in the contract indicate that the loan interest rate falls 30%, 4.16%) according to the benchmark interest rate."

This means that he is in big trouble. After raising interest rates this year, the interest rate rises every month from January next year. What worries him most is that when he signed the loan contract at the beginning, he did not specify the discount rate he enjoys now, so the bank will unilaterally raise interest to cancel the discount on the loan contract.

Each bank loan contract has no agreement on interest rates.

identical

Even in the same bank, the content may change at different times.

So you must go to several banks and see the loan contract in detail.

It is best to find that there is a clear stipulation in the loan contract that no matter how the interest rate is adjusted, the floating ratio remains unchanged, and the bank abandonment the loan contract to recover the right of the loan interest rate.