慣れないパソコンを使って過払い金計算をしましたが、ここで…

質問と回答
  • 慣れないパソコンを使って過払い金計算をしましたが、ここで間違っているのかな?と不安になったので質問させて下さいm(__)m 10万円を切ったら20%に変えなくてはならないみたいですけど、それ は計算をし直している方ですか? 開示請求したものは残金が10万未満になったことがないのですべて18%で、計算をしてしまいした(・・;) 過払い金減るのでしょうか?
  • その必要はありません。 一度でも該当する利率の利用額となれば以降は全て同じ金利で計算します。 業者の採用金利はそもそも違法だったけど告知無く金利変動させていましたからね契約上の上限金利までは。だから遠慮は要りません。仮に20%の採用を業者側が主張したところで、完済間近の10万未満に対する2%の差なんて大きく変わりませんから気にする事も無いです。残9万円だとして月に150円も利息は違わないのでそこにこだわってもしょうがないです。

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