B, because various repayment methods are subject to different interest provisions under certain conditions, not all repayment methods can be changed at will. AD two, if the borrower wants to change the repayment formula, it needs to meet the following conditions:? Submit an application for change of repayment method to the bank; ? There is no default of principal and interest and other expenses in the borrower's loan account; ? The borrower shall repay the current loan principal and interest before changing the repayment method.