Suspension of loan interest calculation means that under certain circumstances, the bank will suspend the calculation of the borrower's loan interest and hang this interest on the account to facilitate subsequent negotiation with the borrower. This usually happens when the borrower encounters unexpected circumstances or financial difficulties. In order to reduce its burden, banks stop paying interest and hang accounts in order to better help borrowers solve problems.

Suspension of loan interest is usually a more humane way to help borrowers tide over the difficulties. In this case, the borrower can suspend the repayment of the loan principal and interest first, and then continue to repay after the difficulties. At the same time, the bank can also adjust the repayment period of the borrower's loan according to the specific situation, so as to better assist the borrower in repayment.

Borrowers need to submit relevant materials and certificates to help banks understand their real difficulties and help them better. At the same time, borrowers also need to look at their financial situation and repayment ability rationally, and actively negotiate with banks to solve problems, so as to avoid the continued accumulation of arrears, which will have a greater impact on their credit.