Repayment by installments. The installment repayment method of apartment loan is the most cost-effective and most suitable for young people. Installment repayment allows customers a grace period of 3 to 5 years. At first, they only had to pay a few hundred yuan a month. Five years later, with the increase of income and the enrichment of economic foundation, repayment will also be transformed into a normal repayment method.