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(Reporter Li Jin Xu right) Many people probably did not think the mortgage, bank loan contract will hide "trick." Recently,louboutin, Hefei, a cost engineer, calculated that after two terms of the mortgage contract, the interest rate is not equal, "a rate high, another low interest rates," the bank execution is high that one. To this end, he will also bank an extra nearly 5,000 mortgage. "Why do not follow the low bank of the piece to perform?" To protect their own interests, at present, the cost engineer has sued a bank in Hefei, the case will be trial next month.
[Find] a purchase contract appear different interest rates
Cost Engineer Mr. Zhang worked for many years in Hefei, because the working relationship, and he was often accompanied by a lot of figures.
Mr. Zhang to buy a house in 2011 in the government district. A month later,scarpe christian louboutin, Mr. Zhang and Bank signed "mortgage contract", the contract, Mr. Zhang to fund loans to the bank loan of 25 million yuan,http://kyohachi-s.co.jp/cgi-def/admin/C-002/comunity/visit/main.pl, the two sides agreed to 20 years to pay off, repayment of principal and interest equal repayment. The provisions of the contract, the monthly repayment 1581.62 yuan Mr. Zhang.
Mr. Zhang's home loans in the contract, the text representation of a total mortgage interest rates appear twice, out of professional habit, Mr. Zhang attempts to forget it again, this count, he found the results of these two interest rates,http://www.huatai123.cn/home.php?mod=spacecp&ac=blog&blogid=,air max 90, and inconsistent. Contract Article 37, paragraph stipulates that the implementation of the loan interest rate of individual housing loans interest rates People's Bank of China,http://demo.web300.cn/free8/Review.asp?NewsID=627, the annual interest rate is 4.5%. Article 41 of the contract marked the first paragraph and "the relationship between the monthly interest rate, annual interest rate between monthly interest rate = annual interest rate / 12, except as otherwise agreed in this contract." Mr. Zhang calculations and found that APR provisions of a 4.594%.
Zhang said: "Banks actually executed is the highest that one."
[Survey] slight difference in interest rates allow buyers more Tao Yinzi
Zhang said that the annual interest rate difference between the two terms is minimal "mortgage contract",http://www.nj-bridge.com/ad/Review.asp?NewsID=486, the "Do not underestimate the subtle differences, once multiplied by the total loan amount 250,000 yuan and 240-month repayment installments,chaussures nike pas cher, I at least to pay an extra 5,000 yuan to the bank. "
Mr. Zhang was later found that all those who need to make more mortgage interest on the banks, "mortgage contracts were unified standard contract, as long as you sign, the bank on the implementation of the highest interest rates that paragraph,http://10645124.blog.hexun.com, unknowingly was 'hidden rules'." Zhang Mr. said that the subtle differences,http://bbs.mianyangline.com/forum.php?mod=viewthread&tid=60588,nike running donna, so many mortgage buyers are kept in the dark. This fee, buyers, perhaps to each number is not large,http://www.kinzoku.co.jp, but for banks in general, "is a huge number."
[Progress] The case will be heard next month
It found that "mortgage contract" after there is a contradiction, Mr. Zhang to the bank questioned, "mortgage contract" on both low interest rates are also high, why not choose a lower interest rate banks perform? But the banks insisted that he has no fault. "Banks said they performed the relevant provisions of the central bank."
Many fruitless negotiations with the bank,http://sjlysy.com.cn/bbs/forum.php?mod=viewthread&tid=431784&fromuid=39503, Mr. Zhang eventually pick up the legal weapons to protect their own interests. The end of 2012, Mr. Zhang to the courts. "Being self-contradictory issue purchase contract, reflecting the bank's 'King terms', I hope more buyers who noticed this." It is understood that on January 14 Luyang District Court has accepted the case, the court is scheduled for February 27 hearing the case.
(Original title: mortgage rates possession "trick" bank accused dark "robbing") |
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發表於 2015-7-9 01:38:18
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