Commercial Mortgage calculation method?

My bank wants to use the 360/365 method to calculate mortgage rates: rate = 360 × ÷ loan balance from day to day, but some of my research (http://www.cuanswers.com/pdf/cb_ref / M-360-dayinterestcalc.pdf) shows that the method of 360/365, while widely used for business loans, is not for mortgages. Instead, use the method stated commercial mortgage 360/post which has more complicated, the borrower both principle and interest over the life of the 360/365 method Hypothek.Meine Bank is no use their Methode.Wird that it is accepted practice for commercial banks, mortgage calculation to use? Is there anyone knows what can enlighten us?

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