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农行银行房贷利率的计算方法 法律问题
释义
法律分析:
当银行采取积数计息法来计算利息的时候,就需要注意贷款的天数,因为积数计息法是按实际天数每日累计账户余额,以累计积数乘以日利率来计算利息。
法律依据:
《贷款通则》 第十三条 贷款利率的确定 贷款人应当按照中国人民银行规定的贷款利率的上下限,确定每笔贷款利率,并在借款合同中载明。
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更新时间:2025/11/21 23:42:13