Generally speaking, whether it is equal principal and interest or average capital, the repayment amount in the first month and the second month will be different.

1. If the average capital repayment method is adopted, the repayment method itself will decrease every month, so the monthly payment is different;

2. Some banks, such as Bank of China, take the designated date as the repayment date, and if it is less than one month in the current month, it will be collected together with the next month. Suppose the loan was made in August 20 15, and their repayment date was 1, then there was no deduction in September 1, but 10+.

3. Some banks, such as Industrial and Commercial Bank of China, take the specified date as the repayment date, and deduct money in the current month if it is less than one month, so that the first monthly payment deducted in the current month will be less than one month, which will be less than the subsequent monthly payment.

4. Most banks deduct the monthly payment according to the date of lending, which solves the problem of insufficient or excessive monthly payment in the first phase. However, many banks have additional services when lending, such as deposit and loan pass, fund and loan stamp duty, which will also be deducted from the first monthly payment.

To sum up, during the first deduction, in order to avoid insufficient monthly payment, you should save more than two months' monthly payment. If the bank feels abnormal after deducting money, you can find the bank to understand the situation.