夫が5社からお金を借りていることがわかりました。

質問と回答
  • 夫が5社からお金を借りていることがわかりました。平成19年契約で現在元金合計が170万あります。 借りた金額が違うのでそう長くかからないとこ ろもありますが、少しでも無くした方が精神的に楽になるので、数社だけでも全額返済を考えています。 直接連絡していくら払えば良いか聞こうと思っているのですが、不安で法テラスに「全額返済のデメリットはありますか」と問い合わせたところ「過払いの可能性があるので無料法律相談に行ってみてください」とだけ言われました。 それも方法の一つでしょうし、還付があるなら欲しいと思いますが、一日も早く無くしたいと思っていたので、直接連絡しない方が良いのか余計不安になり躊躇しています。 私もエステで分割を組んだことがありますが深く考えずに途中全額返済したので同じように考えていましたが、違うのでしょうか。 家を建てたいと思った矢先にわかった借金です。他の方の質問を見ていると、一括返済も住宅ローンがしにくいということもわかりましたが、借金を無くし貯金をし直して数年後には家をと考えています
  • 19年契約であれば、恐らく法定利息内での借り入れになっていると思います。 消費者金融の返済であれば月に1度、入金金額はきまっていますが、それ以上返してもいいんです。 ひと月の利息を払ってしまえば、後の入金分は元金返済に組み込まれますから、 支払利息のトータルはその方が少なくて済みます。 デメリットは特にないと思います。 消費者金融のカードがあれば、簡単にネットで借入額や利息、支払日なども確認できます。 それぞれのホームページを検索してみてはどうでしょう。

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