1, interest takes precedence. This method, also known as the final settlement method, means that the borrower pays off the loan principal and interest on the loan maturity date and repays the interest every month. Generally applicable to loans with a term of 1 year (inclusive).

Case: The loan amount is 654.38 million, the term is 1 year, and the annual interest rate is 10%. 2. Equal principal and interest repayment method

Refers to the average monthly repayment of loan principal and interest during the loan period. The calculation formula is:

Monthly repayment amount = monthly interest rate ×( 1+ monthly interest rate) number of repayment periods /( 1+ monthly interest rate) number of repayment periods-1X loan principal.

In case of prepayment due to interest rate adjustment, the repayment amount of each installment shall be calculated according to the adjustment formula of outstanding loan balance and remaining repayment periods. Case: The loan amount is 654.38 million, the term is 1 year, and the annual interest rate is 10%.

3. The average capital repayment method refers to the equal repayment of the loan principal every month during the loan period, and the loan interest decreases with the principal month by month. It is characterized by regular and fixed repayment of principal and monthly payment, and the monthly loan balance is reduced.

The calculation formula is:

Monthly repayment amount = loan principal/repayment period+(loan principal-accumulated repaid loan principal amount) × monthly interest rate Case: loan amount is 654.38+ million, term is 654.38+0 years, and annual interest rate is 654.38+00%.

4. Equal-ratio progressive repayment method: the borrower repays the loan with a certain proportion of progressive amount (installment amount) in each time period, in which the amount returned in each time period includes the interest and principal due in that time period, and repays it in installments according to the repayment interval, and pays off all the principal and interest before the loan deadline. Usually, the ratio is controlled between 0 and (+/- 100)%, and the principal or interest in any repayment plan shall not be less than zero after calculation. It can be divided into equal-ratio increasing repayment method and equal-ratio decreasing repayment method, and the former can be selected when the expected future income increases to reduce the trouble of early repayment; In anticipation of future income decline, you can choose the latter to reduce interest expenses.

5. The equal progressive repayment method is similar to the equal progressive repayment method, except that the "fixed proportion" of the agreed repayment in each time period is changed to "fixed amount". Divided into equal increasing repayment method and equal decreasing repayment method: customers with increased income can take measures such as increasing progressive amount and shortening interval to reduce interest burden; Customers with declining income levels can take measures such as reducing the progressive amount and expanding the progressive range to reduce the repayment pressure.

6. The combined repayment method is a repayment method that repays the loan principal in installments and calculates the interest according to the actual occupation time of funds. That is, according to the borrower's future income and expenditure, all the loan principal is divided into several repayment stages in proportion, and then the repayment period of each stage is determined. During the repayment period, it is agreed that the monthly repayment amount of the principal to be repaid in each installment shall be calculated in the form of equal principal and interest within the specified period, and the unpaid principal shall bear interest on a monthly basis, and the sum of the two parts forms the monthly repayment amount.