房貸利率過高處理方式 - 投資

By Sandy
at 2022-02-28T00:53
at 2022-02-28T00:53
Table of Contents
先解釋一下背景
多年前爸媽把爺爺留下來的一棟南部透天厝拿去抵押貸款投資經商
後來投資失敗導致經濟負擔變重
在我畢業那年把這間透天連同貸款轉到我名下(400萬,20年期)
當年涉事未深,不懂比較
只覺得爸媽處理的應該問題不大,沒有多想就簽約了
繳了十年貸款到現在婚也結了
老婆幫忙檢視我的財務狀況才發現這筆房貸利率高的誇張(2.44%)
詢問銀行近年央行降息是否有配合調降我的利率
銀行回答已經調降過了,原本利率3.25%
不願意再幫我降低利率
想請教版友的是,當年簽約的身份是公教人員
名下沒有任何房屋
這間算是首間,現在的估值也有8、900萬
當年給這樣的利率是否合理?
其中是不是有什麼可能的眉角導致利率那麼高?
再來是雖然我現在已經著手轉貸的程序
但當年銀行如果真的利率開的太不合理我是否有什麼管道可以投訴之類的?
還是說約已經簽了只能摸摸鼻子認了?
感謝大家賜教
附上合約給大家參考
https://i.imgur.com/0F8iDWr.jpg
--
多年前爸媽把爺爺留下來的一棟南部透天厝拿去抵押貸款投資經商
後來投資失敗導致經濟負擔變重
在我畢業那年把這間透天連同貸款轉到我名下(400萬,20年期)
當年涉事未深,不懂比較
只覺得爸媽處理的應該問題不大,沒有多想就簽約了
繳了十年貸款到現在婚也結了
老婆幫忙檢視我的財務狀況才發現這筆房貸利率高的誇張(2.44%)
詢問銀行近年央行降息是否有配合調降我的利率
銀行回答已經調降過了,原本利率3.25%
不願意再幫我降低利率
想請教版友的是,當年簽約的身份是公教人員
名下沒有任何房屋
這間算是首間,現在的估值也有8、900萬
當年給這樣的利率是否合理?
其中是不是有什麼可能的眉角導致利率那麼高?
再來是雖然我現在已經著手轉貸的程序
但當年銀行如果真的利率開的太不合理我是否有什麼管道可以投訴之類的?
還是說約已經簽了只能摸摸鼻子認了?
感謝大家賜教
附上合約給大家參考
https://i.imgur.com/0F8iDWr.jpg

--
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