The interest rate of the new fiscal year will be adopted from 1 month 1 day every year, so the annual mortgage will be divided into two pieces.
The second half of 65438+last February plus the first half of this year 1 month. Because the default time of each mortgage is 30 days, 12 has 3 1 day this month, which is actually one day more interest than before.
The extra interest on this day is quite obvious for the huge mortgage base. So I feel that the interest rate has dropped and the repayment amount has increased.
Here comes the question!
Usually, the repayment is based on 30 days' interest. Why do we have to do something special in 65438+February and press 3 1 day? Didn't this give me an extra day's interest? ! What's more, it's only 28 days in February. How can you earn two more days if you calculate interest on 30 days? !
In fact, let's not say this first, followed by bank concessions. Not counting leap years, there are 365 days in a year. Under normal circumstances, the interest is calculated on the basis of 30 days per month, and 12 months has only 360 days, which makes users waste a few days.
Then at the end of 65438+February, it is understandable to take the opportunity to get an extra day of interest. You still earn four days a year, don't you? (dog head)
In a word, the interest rate dropped, and the total repayment amount decreased 100%!