In May eight years ago, I was able to convince the purchase of a building. So in an already two years ago may move into the area, to find a suitable house, signed the agreement with the developers, mortgage loans.

Starting a new job from May of that year, to go to the bank two times a month, the first firm take salary, then to the industrial and commercial bank loans to pay. Then my salary less than one thousand yuan, is also a month's loan. In a year's time, loan interest rates increase, my salary is not enough to. The central television news, explain once this time owing on the loan, loan repayment for midway, if the loan period is over half, then hurry to have little significance. Due to the lack of financial, credit knowledge, don't understand, don't care too much. In order to understand the early owing on the loan is good, or expires problem, a trip to Huludao industrial and Commercial Bank of China, the staff the heart is not in the withered told me, not how much worse, as also the breach of contract, also should deduct money. So not clear to delay.

The results that there are four years repayment time expires, the details you every time repayment of bank passbook: loan interest 800 yuan, repayment of principal of 170 yuan. Before the bank will you loan money is divided into two parts, but does not indicate which of the following is the principal, which is also of interest -- in fact before you cross section, is more than the bank interest, small part is the principal. When you wake up, it clearly, you want to advance further, late. Because interest left little head, the principal is big head son, you have the most of your own, there is not much interest -- banks have it should receive interest on the repayment before the half received 80, 90%.

This loan is not like we ordinary people thought that, the monthly fixed rate of interest, but the interest income of bank due back, let you have your own principal. This method is a soft knife, stabs you tender, the results once inside it really hurts, and you have nothing to say, stand with his teeth.

As the saying goes, you live and learn. Not experienced, never understand the bank loans this matter, "the banker" "clever"!