R*****w
发帖数: 447 | 1 上周买了个马三，通过dealer从JP Morgan Chase贷款，给了3.89％的APR。我后来在
AAA随便申请了一下，给1.99％的APR。于是打电话给dealer（负责finance的人），却
被告知必须得满6个月才能refinance。我说contract上明确写有："You have the
right of pay off this Contract early. If you do so, you will not have to pay
a penalty." but nowhere indicate I have to keep the loan for at least 6
months.
Dealer说”You can pay whatever you want, but you cannot pay off before 6
month, you cannot refinance within 6 months either.
于是后来我打电话直接给JP Morgan Chase，Chase的负责finance的人却说“You can
do refinance whenever you want." 我就问Chase要了payoff letter（AAA说
refinance时必要文件之一）。
请问dealer是不是骗我的？她为何要骗我？这个loan是从Chase贷的，我是否keep loan
对dealer有什么好处？dealer是不是本来拿了低的APR，却给我个高的APR，从中收差价？
这种情况我可以做refinance吗？还是按照dealer说的6个月后再做refinance？
谢谢！ |
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