Legal analysis: the house payment is RMB xx (in words: xx), and the payment method: cash/bank transfer, in figures: RMB xx; Interest ***xx yuan; The term is xx months, and the principal and interest will be repaid on xx day, xx year; Pay 0% of the total amount of 65438+ as penalty every year. Based on this; Evidence: xx; Xx year, xx month, xx day.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.