This is normal. If your loan deduction date is earlier than the loan lending date, the first deduction date is the next month after the loan lending date.

For example, the loan date is 65438+1 0.5 and the repayment date is1(the repayment date is earlier than the loan date). Because the period from June 5 to February 5 is less than one month, the first repayment time is extended to March 6, 5438+0, and the first repayment date is nearly two months away from the loan date, so there are more interest-bearing days, so repayment is made. With the interest rate unchanged, the monthly repayment amount will be less than the down payment.