Hello, my total housing loan is RMB 3 1 0,000, the loan period is 30 years, the monthly repayment is about 1 0,400, and the monthly interest rate written in the contract is 2.9 1%.
The total loan amount is 3 1 000 yuan, the loan period is 30 years, and the monthly repayment is about 1, 400 yuan.
After calculation, the monthly interest rate is 0.295%; The annual interest rate is: 3.55%
The contract states that the monthly interest rate is 2.9 1%. Then the annual interest rate needs to be 34.92%, which is a usury of more than 3 points. You've been cheated.