The possible reasons are as follows:

1. Although it is the repayment date, the specific repayment deduction time has not yet arrived. For example, the specific deduction date is 17:00 on the 20th of each month, and the time you check the bank account balance is 20:00, but before 17:00.

2. The bank system failed and the deduction was delayed.

3. If it is a personal housing loan, the first deduction of the loan should be for the entire term. If it is less than a month, it will not be deducted on the corresponding repayment date of the current month, but will be deducted in one go on the corresponding repayment date of the next month.

(The first deduction is the total payment from the loan date to the next month’s repayment date, so it will be more than the subsequent monthly payments).

For example: the loan date is January 10th:

1. If the monthly payment deduction date is the 15th of each month, the first deduction date is February 15th;

2. The monthly payment deduction date is the 5th of each month, and the first deduction date is March 5th.

Home loan is any form of home purchase loan support provided by banks and other financial institutions to home buyers, usually using the purchased home as collateral. According to the source of loan funds, it is divided into two types: provident fund loans and commercial loans. According to the repayment method, it is divided into two types: equal principal and interest repayment method and equal principal repayment method. The interest rate of housing loans is based on the bank's benchmark interest rate for the same period, and the loan interest rates of different banks may rise slightly.

Repayment method:

According to the repayment method, it can be divided into two types: equal principal and interest repayment method and equal principal repayment method.

The equal principal and interest repayment method is to repay the same amount of loan (including principal and interest) every month during the repayment period. In this way, since the monthly repayment amount is fixed, the family can be controlled in a planned way. Income expenditure also makes it easier for each family to determine their loan repayment ability based on their own income.

The equal principal repayment method is to repay the principal in equal installments every month, and then calculate the interest based on the remaining principal. Therefore, the principal is larger in the early stage, so the repayment amount is larger in the early stage, and then the interest is calculated based on the remaining principal. The benefit of this method is that it reduces interest expenses due to the larger repayment in the initial period, which is more suitable for families with strong repayment ability.

The equal principal and interest repayment method is also called the monthly average method. The principal repayment speed is slower and the repayment pressure is lighter. The price is more total interest paid. Compared with the equal principal repayment method, the total The interest difference will not be very obvious in the short to medium term (1-5 years), but the total interest difference will be obvious in the long term (20-30 years). Regardless of the equal principal repayment or the equal principal and interest repayment, the interest calculation method for each period is the same, which is equal to the remaining principal multiplied by the monthly interest rate.

What repayment method you choose depends on your personal repayment ability. You should not choose the principal repayment method just because you want to pay less total interest. In practice, many people still choose the equal principal and interest repayment method.