There are six repayment methods: equal principal and interest, average capital, progressive equal proportion, monthly interest repayment, equal monthly interest repayment/personal home improvement loan, and credit installment repayment. 1. Equal principal and interest: the borrower repays the loan in equal installments, and repays the loan in installments according to the cycle, and the time for paying off the principal and interest is before the loan term. 2. Average capital: The borrower should repay the same amount of principal in each installment, and also pay off the loan interest due in the current installment. The principal returned in each installment = total loan amount/number of loan installments. 3. Equal-ratio progressiveness: Equal-ratio progressiveness means that the borrower repays the loan with a progressive amount that increases or decreases by a certain proportion every month. Monthly repayment amount = monthly interest principal payable, which needs to be repaid in installments according to the repayment interval to ensure that all principal and interest are paid off before the loan deadline. 4. Pay interest on a monthly basis and repay the principal at maturity: the borrower shall repay the interest payable at the current interest rate and repay the principal and interest at maturity. Pay the interest first, and then pay the same amount every month. Personal home improvement loan: before home improvement, the customer only pays interest but not principal, and after home improvement, the monthly average or monthly principal and interest are used for repayment. 6. Credit installment repayment: it is a repayment method that divides the loan period into two sections, and stipulates the proportion of the loan principal to be repaid in each section. The loan principal to be repaid in each section is calculated by equal monthly principal and interest, and the interest is calculated according to the actual occupation time of funds.

Second, how is the renovation loan of Bank of China repaid?

1. Equal principal and interest: the borrower repays the loan in equal installments, and repays the loan in installments according to the cycle, with the principal and interest repaid before the loan term.

2. Average capital: The borrower should repay the same amount of principal in each installment, and also pay off the loan interest due in the current installment. The principal returned in each installment = total loan amount/number of loan installments.

3. Equal-ratio progressiveness: Equal-ratio progressiveness means that the borrower repays the loan with a progressive amount that increases or decreases by a certain proportion every month, and the monthly repayment amount = monthly interest principal, which needs to be repaid in installments according to the repayment interval to ensure that all principal and interest are paid off before the loan term.

4. Repay the principal on a monthly basis, and repay the principal at maturity: the borrower shall repay the interest payable at the current interest rate, and repay the principal and interest in one lump sum at maturity.

5. Pay interest first and then equal monthly payment/equal personal housing loan: the customer only pays interest before moving in, but does not pay the principal, and repays after moving in by equal monthly payment or equal monthly payment of principal and interest.

6. Credit installment repayment: it is a repayment method that divides the loan period into two sections and stipulates the proportion of the loan principal to be repaid in each section. The principal of each loan to be repaid shall be calculated by equal monthly principal and interest, and the interest shall be calculated according to the actual occupation time of funds.

3. Where can I repay the renovation loan of China Bank?

China bank app.

China Bank's renovation loan can be repaid in the app of China Bank or inquired at the bank counter.

Two common repayment methods

1, equal principal and interest repayment. Loan principal and interest, of which monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled monthly.

2. Repayment of equal principal. That is, the lender repays the same amount of loan principal every month, and the monthly interest decreases with the principal and repays the loan every month.

4. Why didn't the renovation loan run by China Bank go in as soon as the repayment date?

Under normal circumstances, when filling out the decoration loan form, there should be a bound bank card. If you don't know, ask the relevant person! I hope China Jiazhuang 360' s answer can help you!