1. The benchmark interest rate of the People's Bank of China has been adjusted. The interest rate implemented at the time of loan is based on the original interest rate. After the adjustment of the intermediate interest rate, the bank recalculates at the new interest rate according to the remaining loan principal and remaining loan term. Therefore, whether calculated at the previous interest rate or at the current interest rate, the monthly repayment amount will be different.

At that time, the interest rate fluctuated up and down. When mortgage loans are tight, banks will slow down approval and raise interest rates. When the policy is loose, banks will rob business and the benchmark interest rate will be discounted. If you don't know whether your interest rate is floating up or down on the benchmark, then according to the benchmark interest rate, the monthly payment is definitely different.

3. The repayment method you choose is different. Bank loans include equal principal and interest repayment method and average capital repayment method. The method you choose when you use the mortgage calculator is different from the method you choose when you borrow from the bank, which will also lead to different monthly payments.