银行贷款利息计算是否允许还款方式灵活变更？-民间借贷纠纷法律援助-法律咨询免费平台-国际律师联盟

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问题	银行贷款利息计算是否允许还款方式灵活变更？
释义	法律分析：根据相关法律规定，银行贷款的利息计算和还款方式可以协商变更，但需要遵守相关协议和法律规定。法律依据： 1. 《合同法》第十四条：“当事人应当诚信履行合同义务。” 2. 《商业银行法》第二十八条：“商业银行应当根据借款人的申请，协商变更还款方式和期限。” 3. 《利率管理办法》第十二条：“商业银行应当按照借款人与银行约定的还款方式计算利息。” 因此，银行和借款人可以协商变更还款方式，但需要遵守合同约定和相关法律规定，以确保利息计算的合法性和合理性。
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