レイクの利息について教えてください。

質問と回答
  • レイクの利息について教えてください。 2005年3月30日から借り入れを開始しました。 現在、187万2817円 借りています。 毎月借りたり返したりとなかなかへらず、元金2万、利息が3万9000ほど支払っています。 年利が25.5%だと思うのですが、元金が減らず困っています。 借り入れ期間が5年以上なら過払いが生じるようなのですが、私の場合はどう考えられますか? 延滞などはありません。 主人が入院した時の保険金で100万まで減らしたのですが、徐々に増えていってます。 司法書士さんに頼べば、手数料が安いと聞いたんですが、そうなんですか? なにかアドバイスあればお願いします。
  • 4年で今の残金を考慮しても過払いはないと思いますが、必ず減額にはなります。 あなたが知らないだけで、法的には元本が減っています。 必ず取引履歴をもらって引き直し計算してください。 それで出た残債務しか法的に返済義務はないのですから、今まで通り返済を行い、引き直し残0になったところで債務不存在だから以降払いませんといえば、それで完済です。

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