You need to choose the repayment method to borrow money from the bank to buy a house. Different repayment methods are suitable for different people, see which one is more cost-effective and more to your appetite.

(1) Matching principal and interest: matching principal and interest repayment method, that is, the loan customer repays the loan principal and interest with the same amount every month, also known as matching principal and interest repayment method. Matching the principal and interest, the monthly repayment amount is the same, and the customer repayment is simple and convenient. This method is suitable for borrowers with low current income and expected stable income growth, or people with clear budget and stable income.

(2) Average capital: the average capital repayment method, that is, the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount decreases month by month. If you want to repay the loan in advance, this way will not only return more principal, but also less interest. It is suitable for people whose income is at the peak now, especially those whose future income is expected to decrease or their family's economic burden will increase.

(3) Equal increase: on the basis of equal principal and interest, the repayment amount is increased by a fixed amount at regular intervals. This repayment method is suitable for young customers with low income at present, but the income curve is on the rise.

(4) Equal Decline: On the basis of equal principal and interest, the repayment amount of a fixed amount is decreased at regular intervals. This repayment method can repay the principal faster, reduce the loan interest expense relatively, and is suitable for customers with high current income or some savings that can be used to repay the loan quickly.

(V) Paying interest on schedule: paying principal on schedule: paying the loan principal in equal amount in one interval (repayment interval) and paying interest regularly in another interval (repayment interval). If the loan principal is paid once every three months, the loan interest is paid once a month.

(VI) Repayment of principal at maturity: the principal will not be repaid during the whole loan period, and the loan principal will be paid off in one lump sum on the loan maturity date. The loan interest can be repaid monthly, quarterly or at maturity, or in one lump sum on the maturity date of the loan. This method is applicable to loans with a term of 65438+February (inclusive).

There are several repayment methods for housing mortgage loan.

There are two repayment methods of bank mortgage: equal principal and interest repayment and equal principal repayment.

Matching principal and interest repayment is a popular repayment method at present, and it is also recommended by banks.

This is a repayment method with a fixed amount of expenditure. That is, the borrower repays the loan principal and interest with the same amount in each installment, and the repayment amount in each installment includes the principal to be repaid in the current period and the interest to be borne. During the whole repayment period, the monthly repayment amount is fixed.

Matching principal repayment means that the borrower distributes the loan amount evenly throughout the repayment period and repays it monthly, and at the same time pays off the interest generated by the loan balance from the previous repayment date to the current repayment period.

The loan principal is divided equally throughout the repayment period, and the interest is calculated daily according to the loan principal balance. The monthly repayment amount is gradually decreasing, but the rate of repayment of principal remains unchanged.

How to repay real estate mortgage loan

Housing mortgage loan repayment method:

1, average capital repayment method

The basic algorithm principle of the average capital repayment method is to repay the loan in equal amount on schedule within the repayment period, and pay off the loan interest generated by the outstanding principal in the current period, which can be repaid monthly and quarterly.

2. Equal principal and interest repayment method

If the term of mortgage loan for individual house purchase is more than one year, the repayment method is equal principal and interest repayment, that is, from the second month of using the loan, the loan principal and interest will be repaid in equal amount every month.

3. One-time repayment of principal and interest

According to the relevant regulations of major banks, if the loan term is within one year (including one year), the repayment method is one-time repayment of principal and interest, that is, the initial loan principal plus the interest of the whole loan period is comprehensive.

Extended data:

It is stipulated that house mortgage is the joint mortgage of house and land, only to solve the conflict of interests when land use right and house ownership belong to different rights holders, but not to forcibly expand the effectiveness of mortgage.

When auctioning mortgaged land use right and house ownership due to the realization of mortgage, house ownership and land use right can be auctioned together, but the effectiveness of mortgage cannot reach the part that is not agreed upon, and the mortgagee cannot take precedence over the part that is not agreed upon.

Article 195 of the Property Law of People's Republic of China (PRC): If the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to compensation with the price of auction or sale of the mortgaged property.

If the agreement harms the interests of other creditors, other creditors may request the people to cancel the agreement within one year from the date when they know or should know the reasons for cancellation. If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the mortgagee to auction or sell the mortgaged property. Where the mortgaged property is discounted or sold, it shall refer to the market price.