If the interest rate is determined to be 265,438+100,000, 65,438+05 and 6.55%, and the principal and interest are equal, the monthly payment is indeed 65,438+0,835,438+0 yuan. Your actual repayment is 1873.0 1 yuan, and the calculated interest rate is 6.876%, which is equivalent to a 5% increase in the benchmark interest rate.
Need to check the loan interest rate stated in the loan contract or repayment plan. As for the problem of liquidated damages, there should have been an agreement in the loan contract, but the bank may not have informed you on its own initiative and you did not read it carefully.
Extended data:
Mortgage loan refers to a loan business conducted by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee.
The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.
The legal relations involved in mortgage generally include:
(1) The buying and selling relationship between the borrower and the real estate developer arising from the purchase of a house;
(2) The borrower applies for a loan from the bank to pay for the house purchase, and has a loan relationship with the lending bank;
(3) The mortgage relationship between the borrower (i.e. the mortgagor) and the loan bank when the purchased house is mortgaged;
(4) As a guarantor, the real estate developer guarantees the borrower to repay the loan on time, and the guarantee relationship with the bank.
References:
Baidu encyclopedia-loan