The man's mortgage is 8092.95, and the bank deducts 5609 every month. Why didn't that man find out?

Because he felt that the number of repayments was reduced and it was cheaper to some extent, he never cared. Moreover, he also chose the mixed repayment method of provident fund and bank card, which led him to never figure out his repayment method.

The bank card automatically deducts the seven-year mortgage, which makes us feel incredible. It happened to Mr. Pu in Nanjing, Jiangsu. Mr. Pu bought a house he liked seven years ago, but he chose a loan to buy a house because the funds were not very plentiful.

The price of this house is1170,000 yuan, and he needs to repay 8092.95 yuan every month. Mr. Pu set up the bank card for automatic repayment, but when he repaid, he found that he should have deducted 8092.95 yuan, but only deducted 5609 yuan.

Although this discovery surprised Mr. Pu, in the final analysis, people are lucky. He thought there was a change in the repayment policy, but he was happy to pay less. Instead of paying attention to this matter, he has been using this repayment model for seven years.

I wanted to sell a house and found that the mortgage was not paid back. Recently, Mr. Pu's life has changed, and he wants to sell the house he bought with a loan of1170,000. However, when Mr. Pu looked at the credit report, he found that the principal of this house, which he had been repaying for seven years in a row, had not been repaid at all.

Mr. Pu thought it was the bank's fault, so he went to the bank staff angrily. But I didn't expect the staff of the bank to say that the mortgage model of Mr. Pu's repayment has been revised. According to the banking system, Mr. Pu signed a mortgage model of "interest first, then principal", which means that Mr. Pu's automatic repayment in the past seven years is 5609 yuan per month, which is actually only interest11700,000 yuan.

This sounds ridiculous, because if you use this repayment method of "paying interest first, then paying the principal", compared with the loan treaty signed by Mr. Pu, you need to pay nearly 300,000 yuan in interest.

The bank believes that the customer's full responsibility of 300,000 is not a small number. Mr. Pu strongly disagreed with the bank's explanation, so he told the bank why his mortgage model had been changed, but the bank did not fulfill its obligation to inform. However, the bank replied confidently to Mr. Pu, saying that the money deducted every month was less than before. Don't you think there's a problem?

But the money deducted every month is less than before. Mr. Pu should really pay more attention and carefully investigate what happened. He shouldn't let it automatically deduct money for many years and ignore it. But this has nothing to do with whether the bank has fulfilled its obligation to inform, and the bank is responsible to its customers. The customer's repayment method has changed, and it needs to pay an extra interest of 300,000 yuan. Don't banks need to inform customers?

Conclusion Now more and more people choose to buy houses with loans, but from Mr. Pu's case, it can be seen that buying houses with loans is risky. When buying a house, you must read the contract carefully and pay attention to whether your repayment mode has changed at any time during the subsequent repayment process. Don't suffer such a big loss like Mr. Pu.