[請益] 跟銀行貸款用本金攤還.結果卻是本息攤還?
請問一下
跟銀行借青年首購房貸200W
當初是講本金(平均)攤還..
結果現在貸出來是本息(平均)攤還
目前應該是20號要繳第一筆房貸
已經問銀行承辦人但還沒有給答案,為何跟當時講的不同..
請問我現在該怎麼做呢?
1)20號那筆不要管它..等銀行弄好我在繳房貸?
2)如果有這方面的問題..還可以找誰呢? 消保官可以嗎?
謝謝
PS.這家是合作金庫..
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※ 編輯: papapapa5566 (114.40.180.211), 11/10/2014 18:30:30
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※ 編輯: papapapa5566 (114.40.180.211), 11/10/2014 18:50:50
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謝謝.. 我只是很不喜歡當初講好A..結果來個B..所以現在對合作金庫很滾...
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前幾樓這樣回答讓我很無言..
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當每個月還完應繳貸款..還有多餘的錢的話可多繳一些貸款
這時候用本金(平均)攤還的優點就出來了阿..
利息錢就只計算剩餘的本金..然後本金平均至還款年限
算一算房貸會愈繳愈輕鬆..
就算不提前還款..總繳的利息也比本息(平均)攤還少好幾萬
100個客戶90%沒說要本金攤還..只是他們沒去了解兩者的差異罷了..
家裡一堆長輩就真的不懂..去跟銀行借錢都真的是優質客戶..
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11/10 20:03, , 27F
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本息(平均)攤還一開始是還較多比例的利息錢..
所以銀行先收到利息錢了..對他來說還是多賺你一點..
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※ 編輯: papapapa5566 (114.40.180.211), 11/10/2014 21:46:31
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