When the house is redeemed, will the general bank refund part of the interest before the mortgage repayment date? Set the monthly interest rate?

In your opinion, you should sell the house and redeem it. If you have a sum of money to redeem your house, I suggest you choose the day when you make monthly contributions. So don't worry about calculating too much interest.

If you sell and redeem your property:

For example, your monthly payment date is 25th, and your lucky day is 5th. Then the law firm has informed the bank for you, and its interest calculation is from the 26th of last month to the 5th of this month.

But generally speaking, it takes you a month to do accounting in a small bank. The above list, that is, the interest on the 6th to 25th.

Or your payment date is 25th and your lucky day is 30th; Interest should only be calculated from 26th to 30th, but some banks have calculated your interest for one month.

You don't need to look back at the contract when you borrow money. I suggest you just check with your borrowing bank directly, because their policy will not change because of a certain time, a certain moment and a certain person, but it has been decided.

Supplementary explanation:

If you have a sum of money to redeem your property, you should generally notify the bank at least 1 month in advance, and the bank will calculate the interest to be paid for the remaining day for you. The bank won't charge you interest for a whole month and then refund it to you. Moreover, take Bank of China as an example. In terms of real estate sales, he will pay interest on a daily basis, instead of receiving full interest on a monthly basis. I suggest you check with the bank for details.

Supplementary explanation:

I understand the feelings of the questioner. Sometimes because of my own worries, there are too many questions, and it is not easy to organize and express them instantly.

With my answer, I will understand the true meaning of the latter question, not just the surface. Consider your reasons and try to think from your point of view. So more than four thousand words are often not enough for me to answer!

Bank of China began to lay off employees from 0 1, and experienced graduates from Class 5, No.1 Middle School were dismissed. Recruit another college student, but the quality is declining. Banking is a profound knowledge, which requires years of practice and global changes. It needs to keep pace with the times, otherwise, it will be difficult to get started.

I feel sad that it can be said that the interest is calculated by the law firm? Rely on group reorganization again? That's bullshit！ I don't even know how to calculate interest manually. It's just the knowledge of basic bank employees. How disappointing!

It is suggested to express this opinion to the Quality Service Department of Bank of China. , you can't. Generally speaking, banks should calculate the exact amount to be repaid, including the interest up to the proposed repayment date.

Interest should be just right. No extra interest is required.

Supplementary explanation:

What's the name of your bank? Interest on all buildings is calculated on a monthly basis, even if the payment date has not yet arrived. In fact, banks regularly have a monthly statement of mortgage repayment for reference, with the last repayment date on it.