1。 One-time repayment of principal and interest at maturity. (Suitable for short-term loans).

2。 Average capital repayment method.

3。 Equal principal and interest repayment method.

4。 Pay interest on schedule and repay the principal at one time. How do you return it? Negotiate with the bank

Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.

The calculation formula of monthly repayment amount is as follows:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]/[( 1+ monthly interest rate) repayment months-1]

Average capital refers to a repayment method of loans. During the repayment period, the total amount of loans is divided into equal parts, and the same amount of principal and interest generated by the remaining loans of the month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.

Calculation formula of average capital loan:

Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.