Repay in advance according to personal financial situation, and repay the principal and interest in equal amount in advance. Generally, the earlier the repayment, the more cost-effective. The longer the loan time, the more interest. Matching principal and interest repayment method is also called regular interest repayment method, that is, the borrower repays the loan principal and interest with the same amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month, and then the total principal and interest of the mortgage loan are added together, and then evenly distributed to each month of the repayment period. As a payer, it repays the bank with a fixed amount at regular intervals.