No. The United States is not a country with equal principal payments. Unlike China's home loans, there is no distinction between equal principal payments and equal principal and interest payments. All U.S. home loans are calculated based on equal principal payments and are divided into two major types: Fixed-Rate Mortgage, fixed-rate mortgage loans, such as 30-YearFixed, 15-YearFixed, etc., Adjustable-RateMortgage, floating rate mortgage, referred to as ARM, common ones include 5/1ARM, 7/1ARM, 10/1ARM, etc.