1. One-time repayment of principal and interest: according to the current regulations of the bank, if the loan term is within one year (including one year), the repayment method is one-time repayment of principal and interest at maturity, that is, the initial loan principal plus interest for the whole loan term.

2. Matching principal and interest repayment method: The term of mortgage loan for individual house purchase is generally more than one year, so one of the repayment methods is matching principal and interest repayment method, that is, from the second month of using the loan, the loan principal and interest are repaid in equal amount every month.

3. Average capital repayment method: the basic principle is to repay the loan principal in equal amount within the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Repayment methods can be monthly repayment and quarterly repayment. Due to the requirement of bank interest settlement practice, quarterly repayment is generally adopted.