The mortgage has been repaid for seven years, all with interest, and the principal has not been repaid, which is very controversial. Mr. Pu is a citizen of Nanjing, Jiangsu Province. 20 13, 10 In June, he handled a mortgage loan business in Nanjing Branch of Minsheng Bank, with the amount of1170,000 yuan and the loan term of 20 years. According to the agreement with the bank, he needs to repay the loan with equal principal and interest.
Because he wanted to change rooms, Mr. Pu checked his credit report, but unexpectedly found that the principal of the1170,000 yuan mortgage was not paid back. Mr. Pu said he couldn't believe it. He has paid his mortgage on time every month for seven years. The principal cannot be the same. Obviously, there is a big problem.
According to Mr. Pu's own description, because it is a combination of provident fund and commercial loan, Mr. Pu didn't care too much when the amount of bank deduction was lower than the contract amount. He thinks that the difference between them has been deducted from the provident fund.
The loan repayment method has changed, and the bank said that there is a problem with the change of repayment method. Mr. Pu immediately asked the bank staff after he found out that there was a problem with the mortgage. The answer given by the staff is that Mr. Pu's bank loan repayment method is interest first, and interest needs to be paid first. Repay the principal1170,000 yuan in one lump sum after maturity, some of which are similar to consumer credit loans.
Mr. Pu claimed that he knew nothing about the change of repayment method, which was changed by the bank without authorization. However, the solution given by the bank requires Mr. Pu to repay for 20 years from 202 1, which is equivalent to more than 7 years of previous repayment. Of course, Mr. Pu couldn't accept it, so he turned to the media for help.
According to the reporter's understanding, banks basically use average capital and equal principal and interest as repayment methods in mortgage loans, and Mr. Pu's contract also makes it clear that the repayment method of this loan is equal principal and interest. Accompanied by reporters, Mr. Pu once again found the Nanjing branch of Minsheng Bank. The staff said that it was the first time they encountered this situation, and the staff who had previously handled the mortgage for Mr. Tu had left. Why is this happening? They still need a detailed investigation.
The staff said that at first glance, there is something wrong with this matter, and they will come up with a plan to negotiate with Mr. Pu again. Some lawyers said that Mr. Pu can ask the bank to continue to perform the contract, but it may take time to negotiate how to solve the final problem.
Of course, Mr. Pu is innocent of this situation in the process of repaying the mortgage. After all, he knows nothing about the change of mortgage repayment method, and a loan contract specifies the repayment method of equal principal and interest. If the bank can't give Mr. Pu a satisfactory answer, this matter may eventually need to be taken to court. This incident has undoubtedly brought a great negative impact to the relevant banks. If it cannot be solved reasonably, the reputation of the bank may be seriously affected.