Second-hand housing loans can be repaid with equal principal, and the loan applicant can negotiate the repayment method with the loan bank, but the bank will judge the repayment method according to the comprehensive situation of the loan applicant and choose a more secure repayment method.

Equal principal and interest and average capital are two repayment methods used by banks at present. The differences between them are as follows:

1, the repayment concept is different;

* Matching principal and interest takes up more bank loans and takes a long time, which is convenient for lenders to live and manage their finances reasonably and can better "take Qian Shengqian". The average capital reduces and shortens the amount of money occupied by banks and pays less interest.

2. The repayment calculation method is different;

* Matching principal and interest repayment method is to calculate the sum of loan interest first, and then add the loan principal to divide the total amount equally to each month.

Monthly repayment amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]≤[( 1+ monthly interest rate )× repayment months].

The repayment method of average capital is to divide the loan principal equally every month, and the loan interest decreases with the repayment of the principal.

Monthly repayment amount = (loan principal/repayment months)+remaining unpaid principal × monthly interest rate.

3. The two repayment methods are suitable for different borrowers.

The repayment time of equal principal and interest is long and the repayment amount is fixed, which is more suitable for groups with stable income and proficient in investment and financial management. The repayment amount in the average capital is getting less and less, which is more suitable for groups with increasing living burden (more and more expenses) or decreasing income (near retirement).