1. Fixed interest rate repayment: The biggest advantage of fixed interest rate mortgage is that the interest rate does not change with prices or other factors, but the fixed interest rate is often higher than the benchmark interest rate by a certain percentage point, because this is the risk of interest rate increase locked by the borrower in advance.
2. average capital repayment method: With average capital repayment method, the borrower will bear a greater monthly payment burden when he starts to repay the loan. However, as the repayment time goes on, the repayment burden will be gradually reduced, and the final total interest expenditure will be lower.
Three. Matching principal and interest repayment method: the mortgage is repaid by matching principal and interest repayment method, and the borrower's monthly payment remains unchanged. It is convenient for borrowers to arrange income and expenditure because they bear the same amount every month.