If the monthly mortgage repayment methods in the average capital are sometimes too much and sometimes too little, it may be because of the floating interest rate policy. When the re-pricing day comes, if the new interest rate is higher than the previous interest rate, the amount to be repaid will naturally increase, and if the interest rate falls again, the amount to be repaid will also decrease.

It should be noted that in general, there are fewer and fewer repayment methods in the average capital. In the final analysis, it is to divide the loan principal equally, and then pay the same principal and the interest generated by the remaining unpaid principal in the month every month. In this way, the less the principal, the less the interest and the less the monthly repayment.

However, since the first month of mortgage generally bears interest according to the actual number of days, if the loan date is shorter than the first repayment date, the interest in the first month may not be much. After that, the interest is calculated according to the natural month in the second month. If the remaining loan principal is only one month less, the interest should be more. By the third month, the interest rate will be lower than that in the second month, so there may also be a situation where the monthly supply is more than empty.

If you have applied for a loan from Ping An Bank, you can log in to Ping An Pocket Bank APP- Finance-Loan-My Loan to check your loan repayment.

Tips: The above information is for reference only, subject to the actual repayment amount.

Reply time: 202 1-05-3 1. Please refer to the latest business changes announced by Ping An Bank in official website.

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