Bank loan repayment methods: 1. Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same; 2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) during the entire repayment period, and at the same time pay off the last transaction day to this time. A repayment method that charges interest on the loan during the repayment period. This way the monthly repayments decrease month by month.

3. Pay interest on schedule and repay principal: The borrower negotiates with the bank to develop different repayment time units for the repayment of loan principal and interest. That is, you can decide on your own to repay at monthly, quarterly or annual intervals.

4. Repay the entire loan in advance: that is, the borrower can apply to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

5. Repay part of the loan in advance: The borrower can apply to the bank to repay part of the loan amount in advance. The general amount is 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new In the repayment plan, the repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.