Legal analysis: At present, the repayment methods of individual housing provident fund loans are: (1) average principal repayment method. This method has the highest repayment amount in the first month and then decreases month by month, so this method is often called "decreasing method"; (2) Equal principal and interest repayment method. This repayment method is to divide the loan principal and interest into several equal parts according to the loan term, and the monthly repayment amount is the same, so this method is often called "matching method". The borrower can choose the repayment method according to his actual situation.

Legal basis: Article 6 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC), the deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.