1. Equal repayment of principal and interest. Under the equal principal and interest repayment method, the monthly repayment amount is fixed, including principal and interest, and the interest will be deducted from each repayment according to the interest rate agreed in the contract.

2. average capital repayment method: Under average capital repayment method, the monthly repayment amount is fixed, but the interest gradually decreases, and the monthly interest is calculated according to the unpaid principal at that time.