你不想居所贷款利息计算，每月平均余额。
You do not want a home loan that calculates interest on an average monthly balance.
银行用“简单”利息的方法计算贷款利息-在每个还款期间，用当前未还清的本金乘以当前利率，从而计算出应付的利息。
The bank caclulates loan interest as "simple" interest -- for every payment period, multiply the current outstanding principal by the current interest rate to determine the interest payment.
本条第一款所说的合理的借款利息，是指按不高于一般商业贷款利率计算的利息。
"Reasonable interest" mentioned in the first paragraph of this Article refers to interest computed at a rate not higher than normal commercial lending rates.
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