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 many repayment methods does China Bank's personal business loan include?

Repayment method of personal business loan of China Bank:

1. Personal business loans must be matched with flexible repayment methods according to the differences of customer loan purposes, settlement characteristics and other factors.

2. Within one year, flexible repayment such as monthly (quarterly) interest payment and due principal repayment will be supported, and the repayment method will be determined according to the loan situation for more than one year.

Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.

The above contents are for your reference. Please refer to the actual business regulations.

What are the ways to repay the loan in the bank?

The repayment methods of bank loans are as follows:

1, equal principal and interest: the monthly payment is the same, the loan interest is mainly repaid in the early stage, and the loan principal is mainly repaid in the later stage.

2. Average capital: the monthly payment decreases, the principal repaid every month remains unchanged, and the interest is repaid in a decreasing way.

3. Prepayment: You can choose one-time prepayment or partial prepayment for prepayment. After repayment, you can also choose to shorten the repayment period or reduce the monthly repayment amount.

4. Pay interest on a monthly basis, and repay the principal at maturity: only the loan interest will be repaid every month, and the principal will be repaid in one lump sum on the maturity date of the loan.

5. Pay back as you borrow: Bank loan products with daily interest can be paid back as you borrow, and you need to pay liquidated damages at any time.

6. One-time repayment of principal and interest: During the loan period, it is not necessary to repay the principal and interest, but on the maturity date of the loan, and the loan life of this kind of loan will be relatively short.

What are the repayment methods of personal mortgage loans to banks?

Most banks generally provide the following repayment methods: (1) equal repayment of principal and interest. This is the most common repayment method recommended by banks at present. The borrower repays the loan principal and interest with the same amount every month, that is, the total loan principal and interest are added up and evenly distributed to each month of the repayment period. Using this repayment method, the same amount is paid every month, which is convenient to operate, and it is also convenient to arrange income and expenditure by bearing the same amount every month. This repayment method is suitable for borrowers with stable income. Its disadvantages are that the interest will not decrease with the repayment of the principal amount, the bank funds take up a long time, and the total repayment interest is relatively high. (2) Repayment of equal principal. This is also the repayment method commonly used by banks at present. The borrower will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. The total interest cost of this repayment method is low, but the principal and interest paid in the early stage are more, and the repayment burden decreases month by month. (3) One-time repayment of principal and interest. The bank's stipulation for this repayment method is that if the loan term is within one year (including one year), the principal and interest will be repaid at the maturity, and the interest will be paid off together with the principal. However, when banks choose this repayment method, the approval will be stricter, and they are generally only open to small short-term loans. This repayment method is simple to operate, but its applicability is not strong. (4) Pay interest and principal on schedule. After consultation with the bank, the borrower sets different repayment time units for the repayment of loan principal and interest. That is, decide to repay once a month, quarterly or annually. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months. Not all banks have this repayment method, which is suitable for people with unstable income. Article 9 of the Interim Measures for Personal Loans: The lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed his repayment ability.

How many kinds of bank repayment methods are there?

There are many methods to calculate loan principal and interest, such as fixed interest rate method, equal principal and interest repayment method, average capital repayment method, equal difference increase and decrease repayment method, equal ratio increase and decrease repayment method, etc.

199810 June 14, the monetary policy department of the people's bank of China notified all commercial banks with a document (yinhuo fazheng (1998) 149), which stipulated the repayment method of individual housing loans. This regulation stipulates two repayment methods: equal principal and interest repayment method and average capital repayment method. However, it is also said that "equal progressive repayment method and equal progressive repayment method can also be adopted under the equal principal and interest repayment method".

So as far as housing loans are concerned, there are currently four repayment calculation methods. The following mainly introduces these four kinds:

1, repayment method of equal principal and interest:

The monthly repayment amount of this repayment method is the same, but interest accounts for most of the monthly repayment amount. However, compared with the average capital, under the same loan amount and interest rate, the monthly repayment pressure of equal principal and interest is relatively small, which is suitable for low-income people. It is worth noting that on the whole, the interest paid by equal principal and interest is more.

2, the average capital repayment method:

This repayment method is suitable for people with stable income growth and high repayment pressure in the early stage, and the principal accounts for most of the repayment. With the same loan amount and interest rate, the total interest of average capital is lower than the equal principal and interest, and the monthly repayment amount is decreasing, so the repayment pressure in the later period will be relatively less.

3. Equal increase (or decrease) repayment method:

The equal increasing (or decreasing) repayment method is also called equal progressive repayment method. The so-called equal increase (or decrease) repayment method is developed on the basis of equal principal and interest repayment method. This method is characterized by dividing the repayment period into two or several stages, and the repayment amount of each stage is different. Can be incremental; It can also be decreasing.

4. Equal ratio increasing (or decreasing) repayment method:

Equal ratio increasing (or decreasing) repayment method is also called equal ratio progressive repayment method. The so-called equal ratio increasing (or decreasing) repayment method is developed on the basis of equal principal and interest repayment method. This method is characterized by dividing the repayment period into two or several stages, and the repayment amount of each stage is different. Can be increased in proportion; It can also be reduced in proportion.

Extended data:

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different.

For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.