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Whomever plays the role of the lender dictates the term to their advantage. It is known, Khalissi
So said/say/will say we all.
But if the lender’s terms are open for interpretation, they will be interpreted to the borrower’s advantage. It’s the law!
https://www.poynerspruill.com/thought-leadership/enemy-of-a-lender-ambiguity-in-loan-documents/
When you re-read the terms you signed and realize which end of relativity you were experiencing.
The one which has negotiated a better deal, of course.
Jurisdiction my azz!
