At the end of 20 12, my husband signed a personal loan contract with Bank of Communications, with a 20% mortgage loan. I'm confused by two of them.

1. Your 20-year interest rate has a preferential interest rate of 0.9825, which may be the preferential interest rate of your provident fund loan, or the preferential interest rate given by Bank of Communications according to your credit rating when making commercial loans. You can't ask for a 25% discount on the loan interest rate on this basis, because the contract law stipulates that the two parties reach an agreement, and the interest rate agreement is a market-oriented act at your own risk.

2. Second, the contract may stipulate liquidated damages, and the agreed amount shall be subject to your agreement. The specific clauses in the Contract Law are as follows:

I hope to adopt my answer in time.