If a * * * has a mortgage of 120, why should it be repaid with 12 1? There may be the following situations: 1. Time limit for repayment: Sometimes banks or lending institutions may make mistakes when making loans, resulting in extra time limit. In this case, although the actual repayment times are only 120, the bank records show that there is still 12 1. 2. Interest calculation: Another possibility is that there is something wrong with interest calculation. In order to determine the actual repayment period, it may be necessary to verify this issue with the lending institution. 3. Overdue repayment: If the borrower fails to repay the loan on time within a certain period of time in the past, resulting in default, the lending institution may supplement the debt to make up for the overdue funds. Different situations may require different solutions. If you are referring to a specific personal situation, I suggest you consult a lending institution or a related financial professional to learn more about it and seek a suitable solution.