There are several ways to repay the loan principal and interest of CITIC Industrial Bank: 1. Equal repayment, that is, the total amount of principal and interest in each period of the loan is fixed. Two. Matching principal repayment, that is, the amount of principal repaid in each period is the same, and interest is calculated according to the current loan balance. 3. Equal-ratio incremental repayment, that is, the annual debt service amount is increased by a certain proportion on the basis of the previous year's debt service amount. Four, equal proportion of diminishing repayment, that is, the annual debt service amount is reduced by a certain proportion on the basis of the previous year's debt service amount. Interest rate of China Bank's foreign exchange loan for studying abroad: if the loan term is within one year (including one year), the fixed interest rate will be implemented; If the loan term is more than one year, the floating interest rate will be implemented from the date of loan issuance and adjusted once every six months. The loan interest rate of CITIC Industrial Bank: it shall be implemented according to the loan interest rate grade and floating range published by the People's Bank of China. When the People's Bank of China adjusts the loan interest rate, the new interest rate will be implemented from the next repayment period when the People's Bank of China adjusts the loan interest rate.