If the benchmark interest rate is adjusted, the repayment amount will also be adjusted, and the floating (or downward floating) range will remain unchanged during the loan period. If the benchmark interest rate is adjusted, the loan interest rate will rise (or fall) on the basis of the new interest rate. The new interest rate to be implemented shall be determined according to the nature of the loan (commercial loan or provident fund loan), the lending bank and the contract sample.

Average capital: the total monthly payment decreases month by month, and the principal remains unchanged. At first, the repayment interest was more, and the repayment pressure was greater, but the interest was saved;

Matching principal and interest: the total monthly payment remains unchanged, which is convenient for memory. The principal part increases month by month, the interest part decreases month by month, and the repayment pressure is relatively small;

Extended data:

Loan amount = total monthly salary of the borrower and his/her spouse × repayment ability coefficient of employees × 12 (month )× loan period. The repayment ability coefficient of employees is determined according to the different loan years, which is 35% in 1 to 10 and 40% in1to 30 years. Total monthly salary = monthly contribution of individual account housing provident fund ÷ (unit contribution rate+individual contribution rate)

For example, the monthly housing provident fund deposit in the borrower's housing provident fund account is 160 yuan, and the individual and unit deposit rates are 8%. The monthly housing provident fund deposit in the spouse's housing provident fund account is 286 yuan, and the individual and unit deposit rates are 13%, so the borrower's monthly salary is160 ÷ (8%+8.

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