1. The long-term mortgage interest rate is generally fixed every year. As the base interest rate changes, the base interest rate changes, and your interest rate also changes. The current base interest rate is 7.05. The country has been raising the base interest rate in the past three years. Three years ago, the lowest was 5.94, and it would be even lower if there was a further discount, so it is normal for you to pay more now than in the first month, as everyone does.

Borrowing one yuan and repaying 3 yuan is definitely not that exaggerated. You must have made a mistake in your calculation. Fixed principal repayment means that you pay more interest at the beginning, and then less and less. You have not paid less now. Mainly due to rising interest rates.

The monthly repayment algorithm is very simple

(Total loan--principal repaid) * annual interest rate/12

The principal repaid is also very good Calculate the total loan/total number of loan months * number of months repaid

2. SMS reminder about fee deduction can be canceled at the bank. If canceled, no deduction will be made