There are four main repayment methods for housing loans: (1) equal principal and interest repayment method. During the loan period, the loan principal and interest shall be repaid in full with the same repayment amount every month. Suitable for people: used for families with stable income, which is also the repayment method adopted by most people at present. (2) Average capital repayment method. Repay the loan interest and principal on a monthly basis within the loan term, in which the monthly repayment of principal is equal. Suitable for people: suitable for people with high income at present but expected to reduce their income in the future, or borrowers who have strong repayment ability at the initial repayment stage and want to repay a large sum at the initial repayment stage to reduce interest expenses. (3) Equal incremental repayment method, that is, the repayment period is divided into several periods, and the monthly repayment amount of each period is the same, and the repayment amount of the next period is increased by a fixed amount. Suitable for people: suitable for people with average income and weak repayment ability, but their future income is expected to increase gradually. (4) Equal-diminishing repayment method, that is, the repayment period is divided into several periods, and the monthly repayment amount of each period is the same, and the repayment amount of the next period is reduced by a fixed amount. Suitable for people: suitable for people with strong repayment ability, but expected income will be reduced, or the economy is very affluent at present.

Second, six ways to close the case?

1, the applicant withdraws the application;

2, according to the implementation of legal documents have been revoked;

3. The citizen who is the person subjected to execution dies, and there is no legacy for execution and no obligor;

4. The obligee who claims alimony, alimony and alimony dies;

5. As a citizen of the person subjected to execution, he is unable to repay the loan due to living difficulties, has no source of income and loses the ability to work.

Legal basis:

The execution of Article 257th of the Civil Procedure Law of People's Republic of China (PRC) ended.

In any of the following circumstances, the people's ruling terminates the execution:

(a) the applicant withdraws his application;

(2) The legal document on which it was executed was revoked;

(3) The citizen of the person subjected to execution dies, and there is no inheritance for execution and no obligor;

(4) The obligee in the case of recovery of alimony, alimony and alimony dies;

(five) the citizen of the person subjected to execution is unable to repay the loan due to difficulties in life, has no source of income and loses the ability to work;

(six) other circumstances that the people think should be terminated.

Iii. The project repays the loan in the following ways.

Generally speaking, the loan repayment method of this project is as follows. 1, average capital. 2. Equal principal and interest. 3. Pay as much as you borrow. 4. Pay the interest first and then pay it back. 5. repay the principal and interest on schedule. 6. One-time repayment of principal and interest.

Four. There are generally the following repayment methods: A. Annuity repayment B. Depreciation repayment of fixed assets of the project C. Equal repayment D. Equal repayment E. Maximum repayment amount.

Model answer