Credit interest paid first...

You want to make a long term credit, and you find out after you sign the contract that you will pay first the credit's interest rate, and then you will pay the normal full credit. Even so, the interest with all fees and taxes raises to 50% extra over the original sum.Is it fair, no is not. By the time you finish with the interest, you realize that you have a long way to go to pay off the whole credit and you didn't begun yet. This bank policy is for the bank's interest only. That is because if you decide to refinance or to pay the whole loan in one go, because you hit the jackpot, after you paid the interest, the bank doesn't lower your interest, but it may raise it with a new interest because you decided to pay it before term. So watch out in the credit contract for special fees, and interest rates, look and think of any situation in which the bank could get a bigger advantage that you couldn't afford. Ask what's the bank's policy on the payment of the interest and on the full payment of the credit. Stipulate on the contract the terms you do not want to change between you and the bank. You should know that there is no bank out there that chooses your benefit over the bank's  benefit. There are some banks that do not have this policy, and some even tell you how much you have to pay every single month until you finish of paying the loan, and even elaborate or explain how they calculate the rate for your loan. Remember that the bank is always the house and it always has the edge.