Your question seems to be just the opposite. The loan was originally the year, month and day (note: the insurance was wrong one day), but when calculating the interest, the head is not the tail. Generally, banks use the product calculation method, but if it is just due (for example, 1 year), then the annual interest rate will be used instead of the daily interest rate when calculating interest. The basic principle is: if the number of years is enough, it will be calculated by year, if the number of months is enough, it will be calculated by month, and others will be calculated by actual days. This is just to make the calculation more reasonable, but some banks calculate interest according to the actual date; If the due date is a legal holiday, the repayment on the first working day before the legal holiday is not regarded as early repayment, and the repayment on the first working day after the legal holiday is not regarded as expected repayment, but the number of days from the due date should be deducted or added when calculating interest.

Supplementary question: Please refer to Guiding Opinions on Basic Accounting Standards for Banks of China People's Bank.

Second, how to calculate the repayment date of the loan?

If the loan is 190000, it is 25 years, and the monthly loan is 100 1.3 yuan.

It is relatively appropriate to repay the principal in advance, and the interest will be recalculated. From the second month of your prepayment, the interest will change. Interest will be calculated according to your remaining principal.

3. How is the due repayment date calculated?

(1) Interest days: 30 days for monthly repayment, 90 days for quarterly repayment and 360 days for annual repayment; (2) Repayment date: the repayment date is the corresponding date of the loan date, that is, the method of "repayment against the date" is adopted, and there is no date against the date; (3) Maturity date: the repayment date other than the repayment of principal and interest.

4. How to calculate the due repayment date of the loan?

Starting from the loan success date (such as 65438+ 10 month 10), the date after each natural month is the due repayment date. If the successful lending date of the loan funds is 29th, 30th or 3 1, there will be some special situations without specific dates (for example, there is no 30th in February, and there is no 3 1 in April, etc.). ).

In this case, the repayment date will be automatically calculated forward. For example, the successful date of a customer's loan is 65438+1October 3 1, and the repayment date should be February 28 (if there is 29, it is 29), March 3 1, April 30, May 3 1 and so on.

Customer's prepayment operation will not affect the repayment date of each installment.

After the customer successfully borrows the loan, he can check the repayment plan of each loan through the website and WeChat official account, and get the accurate repayment date of each period.