Thanks Richard,  your explaination is clear for me and no doubt that they don't show me details of calculation method. I understand that it's complex pretty much. However I'm wondering if something is unreasonable, I narrow down my case as below few lines:1) 15 Oct. variable rate: 7.88%, break cost: $10000  (got reply within 3 hrs)2) 10 Dec. va…[Read more]

Thanks Terryw for your reply. Actually there's only a DEF (deferrred establishment fee) is clarified in documents, which is $1000.  But the calculation method of break cost is not outlined. When I asked them for the calculation method, they only said that it's complex and it's wholesale market rates related, and they didn't know how to calculate…[Read more]