Monthly repayment of loan is 70 10: the equal principal and interest is 7562.20 yuan per month, and the average principal in the first month is 8983.33 yuan, with a decrease of 26.25 yuan per month. There are two repayment methods for individual housing loans: matching principal and interest repayment method and average capital repayment method, that is, the borrower repays the loan principal and interest with the same amount every month, also known as matching method, and the monthly repayment amount is average capital repayment method, that is, the borrower repays the principal with the same amount every month. The borrower can negotiate with the bank to determine the repayment method according to his own economic situation and characteristics, including various incomes, insurance securities and other investments and other borrowing channels.