There are usually two ways to set the date: by household and unified. According to the household date, the starting date of each loan term is generally the corresponding date of each month as the agreed repayment date. If there is no corresponding date in the current month, the last day of the current month is the agreed repayment date. Customers can also choose a fixed date every month as the agreed repayment date. The repayment date agreed by different customers is different by setting the date by households. Unified fixed date means that the bank uniformly sets a fixed date for all loan accounts every month as the agreed repayment date. Using the unified date method, the agreed repayment date of different customers is the same. Loan refers to a financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).