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I found thirty-seventh
associate him with their mortgage contract, with doubts, he reviewed the mortgage contract."I found thirty-seventh, loan contract provisions of the first paragraph of lending rates published by the people's Bank of China's personal housing loan interest rates,hollister, the annual interest rate is 4.5%, but the contract the first paragraph of article forty-first and marked,polo ralph lauren, 'the monthly loan interest and interest, the monthly repayment of principal and interest repayment of the borrower, any day for everyone in the borrowing period repayment period according to the actual number of days of interest.The relationship between interest rate, the annual interest rate for both the monthly interest rate = annual interest rate /12, the contract stipulates otherwise.'".
questioned 2: bank interest rate calculation error of
questioned 1: two terms ",hollister;loan contract dispute"
he thought,abercrombie and fitch, 100 yuan monthly repayment of interest on the total loans, 100 yuan in the bank two times to generate interest, for the banks, this is obtained gratis,hollister, and for borrowers, is free to give out, he felt that the reasonable interest rate calculation, consideration should be given to the "interest rates" problem "I think the relationship between interest rate, monthly and annual interest rate should be the monthly interest rate = (1+ agreed interest rate) 12 times -1, rather than the monthly interest rate = the annual rate of /12."
examined the loan contract terms, he found, contracts for the annual interest rate formulation appears two times, although doubts, but he did not think too much, in 2011 April, he began to owing on the loan.In 2011 December, he was at a building economic books, see the book "the effective interest rate" and "nominal interest rate" two concepts.
Mr. Zhang in Hefei work from 2011 April started to become a "housing slave", as he and the bank signed the loan contract engineer after that, the two terms "in the contract,abercrombie, but" bank rates.To bank has repeatedly reflected no fruit, he will loan banking court,hollister outlet.
he thought, these two terms are contradictory, ",doudoune moncler;according to my calculations, in accordance with the provisions after a, the real effective interest rate of 0.04594, higher than the contract clause thirty-seventh annual interest rate of 0.045, the number of times the total loan amount and repayment period of 240 months later, I found that will pay nearly $5000 to bank."
to bank repeatedly reflected no fruit, Mr. Zhang decided to take up legal weapons to defend their rights and interests, the end of 2012, he submitted a petition to the court, "I do not just for themselves,hollister online shop, but also want to Tianjin 'slaves' argument."Reporter was informed that, at present, Luyang District People's court has accepted a Mr. Zhang's complaint, and will soon be hearing the case.
at the same time, he also proposed "the bank does not consider the monthly payments on interest rates" point of view,moncler, ",abercrombie france;I think, banks in the calculation of interest, doesn't think 'interest interest' this problem."For example, if the annual interest payments for 1200 yuan, 100 yuan per month also way of repayment, and at the end of a one-time 1200 yuan way, these two ways are not the same for both borrowers and lenders significance.
Mr Zhang work in Hefei an engineering supervision company, usually like economic books.In 2011 February, he in Hefei city bought a set of commercial housing, in March of that year, he and the bank signed a loan contract, the repayment is matching interest repayment, the monthly repayment 1581.62 yuan,abercrombie.
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