Common repayment methods are: equal principal and interest repayment method, average principal repayment method, lagging equal principal and interest repayment method, lagging average principal repayment method and one-time principal and interest repayment method.

The average capital repayment method refers to the repayment method that the borrower repays the fixed amount of principal in equal amount every month, and the loan interest decreases with the principal month by month.

Matching principal and interest repayment method refers to the repayment method that the borrower repays the loan principal and interest in equal amount every month.

Lagging equal principal and interest repayment method means that after the loan is issued, the customer and the bank only repay the interest but not the principal during the lag period, and then repay the loan according to the equal principal and interest method after the lag period.

Lagging average capital repayment method means that after the loan is issued, the customer and the bank only pay interest without paying the principal during the lagging repayment period according to the repayment agreement, and then repay the loan according to the average capital method after the lagging repayment period ends.

One-time repayment of principal and interest refers to the repayment method of repaying all the loan interest and principal at one time on the loan maturity date. The one-time repayment of principal and interest method is applicable to loans with a term of less than one year (inclusive).