1. Equal principal and interest repayment method, characterized by the constant monthly repayment amount during the whole repayment period, which is dominated by the lender.

2. The characteristic of the average capital repayment method is that the repayment amount decreases month by month and the repayment speed remains unchanged, which is more suitable for borrowers with strong initial repayment ability.

3. repay the principal and interest on schedule, which is characterized by self-determination of repayment amount and period and strong flexibility.