Puning mortgage business has two repayment methods: matching principal and interest and average capital. The calculation method of mortgage interest in Puning is related to the repayment method chosen by buyers when handling loan business, and the monthly mortgage interest generated by different repayment methods will be different.

Matching principal and interest: refers to the buyer's monthly repayment of loan principal and interest in a fixed amount within the loan term, in which interest decreases with the decrease of principal. The so-called matching principal and interest means adding the borrower's principal and the total interest generated, and then distributing it evenly to each repayment month. The borrower's monthly payment is the same, but the difference is that the loan interest in the early repayment period accounts for a large proportion of the monthly payment, and the principal is small. With the monthly repayment of users, the proportion of interest in monthly payment will be less and less, and the proportion of principal will be more and more. It means that the buyer repays the principal at a fixed amount every month. Average capital: refers to the borrower's monthly repayment principal is the same, but the repayment interest is different. At the beginning of repayment, there are more principal arrears, so the interest generated will be more and the monthly payment will be higher. With the user's repayment, the monthly repayment principal remains unchanged, but the repayment interest will decrease with the decrease of the loan principal.