(1) Repaying the principal and interest in one lump sum, and paying off the profits with the principal;

(2) Equal principal and interest repayment, with fixed monthly repayment;

(3) Equal increase or equal decrease, and the repayment method is equivalent to equal principal and interest;

(4) average capital repayment method, that is, transfer the principal at the same time every month to pay off the interest from the previous trading day to the repayment date.

legal ground

Article 32 of the general principles of loans

The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit. The borrower shall negotiate with the lender when repaying the loan in advance.