보니 fixed 가 아니고 variable 이라고 하더라구요.

이자율 요즘 계속 올라가는 상황인데 걱정되서 오피서한테 물어보니 auto pay신청하면 0.25%로 디스카운트 되기때문에

variable로 되어야 한다네요, 오토페이 끊으면 다시 0.25% 올라가고..

레잇이 올라가봤자 맥스가 3.24%이고 내려가봤자 2.99라고,, (2.99~ 3.24로만 왔다갔다 한다는..)이게 말이 되는건가요??

다큐먼트에 이렇게 써있어요,

variable rate loan: each month your loan payment is made via automatic transfer you will receive 1 .25% reduction in the APR disclosed above in the truth-in-lending disclosure. Any month in which your minimum payment due is not made via automatic transfer your APR will remain the rate disclosed above or will be subject to increase 0.25% to the APR disclosed above in the truth-in-lending disclosure. If at any time during the term of your loan you receive the rate reduction, any subsequent increase in the APR will result in a larger final payment than if your rate did not increase.  However, your final payment will not be more than is disclosed above in the truth-in lending disclosure. EXAMPLE: if your loan was for $10,000,00 at 6% interest for 48months, and after 5 months the rate decreased to 5.75% for 19 months, and then increased by 0.25% for the remaining loan term your last payment would be $200.46