Monthly interest 1. 1.25%. There are repayment methods with the same amount and interest. In other words, the 50,000 yuan principal and interest of your loan must be divided into 12. Part of it must be paid back every month, and the repayment period is one year. After one year expires, you can re-apply for a loan for the second year. There is also quarterly interest settlement and one-time repayment. How to repay depends on your financial situation.