14 1 month I bought a house with a loan of 420,000 yuan from the Agricultural Bank of China, with a 10% discount rate of 5.895%. Why is the mortgage interest rate of 20 15 5 of ABC 5.535?

Many customers are very surprised that the monthly payment is rising and the interest rate is falling.

The reason is that after the interest rate is lowered, the interest part decreases, but the principal part increases, and the current interest mainly comes from 65438+ last February, which adds up to more and will decrease from February. On the contrary, if the interest rate is raised, the monthly payment in the second year 1 month will be reduced. Just less is less, and no one will pursue it.