Those who only pay interest but not principal are not mortgage loans, but refer to the kind of operating loans that pay interest every month to repay the principal. However, the interest rate is relatively high, and the general loan period is more than one year. After one year, you have to pay back the principal. If you still want to borrow money, you have to reapply, and the cycle is still one year. The annual interest rate is 6.56%. It seems that the interest rate is at the bottom, and it usually goes up. If the mortgage interest rate is 7.05%, it is the annual interest rate of more than five years.