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Hi, appreciate your sharing, I advise you to check with bank directly.

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Why don't you verify with the bank? Read More

My Answer with regards to your Question:

It seems there might be some confusion or oversight in the refinancing process. Here are some possible explanations:

Additional Fees or Charges: When refinancing, there may be additional fees or charges involved, such as legal fees, valuation fees, or administrative charges. These fees could have been added to your loan principal, resulting in the increase.

Calculation of Interest: It's possible that the calculation of interest or other adjustments during the refinancing process led to the increase in the loan principal. This could happen due to differences in the calculation methods between the old and new loans.

Miscommunication or Error: There may have been miscommunication or errors during the refinancing process, leading to unintended changes in the loan principal. It's essential to review all documentation carefully and reach out to your lender for clarification if you notice any discrepancies.

Terms of the Fixed Rate Loan: Some fixed-rate loans have specific terms or conditions that may result in adjustments to the loan principal under certain circumstances. Review the terms of your new loan agreement to see if any such conditions apply.

Automatic Capitalization of Interest: The e-advice you received mentioning the application of any difference in interest payment to your loan principal suggests that the increase in the principal may be due to the capitalization of accrued interest. This means that any unpaid interest is added to the principal balance, effectively increasing the loan amount.

To address your concerns and understand the reasons behind the increase in your loan principal, it's recommended to contact your lender directly. They should be able to provide you with a detailed explanation of the changes and any associated costs or adjustments.

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More