There are three ways to repay bank loans: equal principal and interest repayment method, average capital repayment method, interest before this method, equal ratio progressive repayment method, equal progressive repayment method and combination repayment method. The borrower needs to repay the loan in the way agreed with the bank.

Legal objectivity:

Interim Measures for the Administration of Personal Loans Article 39 With the consent of the lender, personal loans may be extended. For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety. Interim Measures for the Administration of Personal Loans Article 40 The lender shall recover the principal and interest of the loan in accordance with the loan contract. For loans that are not repaid according to the loan contract, the lender shall take measures to collect or restructure by agreement. Article 674 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall pay interest within the agreed time limit. Article 675 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.