@ Freddie Yu, Days in year will come in to picture only when repayments are per year. for Monthly repayments only days in month will be considered. If interest calculation type is daily and days in month is Actual then interest will get calculated for actual number of days. If interest calculation type is daily and days in month is 30 then interest will get calculated by considering 30 days in a month irrespective of 31 or 28. In above scenario calculation 54/100/360*(num of days) is not supported currently, so this issue can be a Improvement.
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