According to the information you provided, the Rural Credit Union equal principal and interest mortgage you mentioned refers to a loan with a fixed interest rate and a fixed repayment amount each period. Based on your description, you would like to know how many times the mortgage repayment amount has been reduced.

First of all, Rural Credit Union’s equal-amount principal and interest mortgages are usually repaid according to a fixed repayment plan, and the repayment amount in each period is the same until the loan is paid off. Therefore, the repayment amount will not automatically decrease under normal circumstances.

However, if your repayment amount changes, there may be the following situations:

1. Interest rate changes: If the mortgage interest rate is adjusted, the repayment amount may change. changes. When loan interest rates fall, the amount of each installment may be reduced accordingly. During the mortgage loan process, if your loan interest rate changes, you can contact the local rural credit agency or loan service agency to inquire about the specific situation.

2. Renegotiate the repayment plan: If you renegotiate the repayment plan with the lender, it may result in a change in the repayment amount. For example, you might negotiate with your lender to defer payments or adjust your payments for a period of time.

3. Prepayment: If you repay part of the mortgage loan principal early, the repayment amount may change. When you pay off your loan early, the remaining loan principal is reduced, resulting in a reduction in the amount of each installment.

In general, if your repayment amount has been reduced multiple times, it may be due to adjustments in loan interest rates, renegotiation of repayment plans, or early repayment. In order to understand the specific situation, it is recommended that you contact the specific lender or loan servicer to inquire with them about your mortgage repayment situation. They will be able to provide more accurate information and answer your questions.