First of all, choose to shorten the repayment period and keep the monthly payment unchanged. Therefore, the amount that customers must repay each month has not changed, but the repayment period is shorter and they can be repaid faster; Second, choose to reduce the monthly payment and keep the repayment period unchanged. In this case, the customer's repayment cycle is the same as before, and the final repayment date has not changed, but the amount to be repaid each month has decreased.

If customers choose the first option, they can pay off their debts more quickly; If you choose the second scheme, you can reduce the monthly repayment pressure, and you can choose according to your own economic situation and repayment ability.

How to apply for personal housing mortgage loan

Looking at the personal housing loan business run by domestic commercial banks, the loan is mainly based on the purchased commercial housing, and its essence is what is now called mortgage loan. Mortgage loan is a form of housing guarantee loan, which refers to the personal housing loan provided by the real estate development enterprise of the purchased house with the purchased house as the mortgage.