Consider the time interval of monthly repayment. In the loan term, 65,438+02 months constitute one year, so 30 times 65,438+02 for a 30-year loan equals 360 months. However, considering that the monthly repayment is counted as one installment, plus the repayment in the first month of the loan, the total * * * is 3,665,438+0 installments, so the purpose of this design is to ensure that the last installment repayment can complete the whole loan term.