1. Equal principal and interest repayment method: equal repayment of the total loan amount (principal+interest) every month. In this way, interest is paid more in the early repayment and principal is paid more in the later repayment, so the repayment pressure is relatively small.
2. Average capital repayment method: each repayment only pays the same amount of principal, because the principal of each repayment is gradually reduced, so the loan interest is also reduced, and the interest of the total loan will be less. However, this method has a heavy burden of early repayment.