1. One-time repayment of principal and interest: according to the corresponding requirements of banks, if the loan term is less than one year, the repayment method is one-time repayment of principal and interest at maturity, that is, the loan cost in the previous period plus the loan interest within the whole loan term;

2. Matching principal and interest repayment method: the term of personal mortgage loan is more than one year, and the repayment form is matching principal and interest repayment method, that is, from the second month of using the loan, the loan principal and interest are repaid in equal amount every month;

3. Average capital repayment method: The basic principle of the average capital repayment method is to repay the loan on time and in equal amount during the repayment period, and settle the loan interest arising from the outstanding funds in this period. Monthly repayment, quarterly repayment.

The above is how to repay the real estate mortgage loan. Related content.

Introduction of personal housing mortgage loan

Personal housing mortgage loan means that the applicant applies for a loan from the bank with personal housing ownership as pledge, and the main purpose of the loan assets can be used as personal transactions and operations. Personal housing mortgage loan is different from personal housing pledge loan. Personal housing loan refers to the loan issued by the bank to the lender for the purchase of ordinary housing. This article is mainly about how to repay the real estate mortgage. Relevant knowledge points are for reference only.