1, whether personal mortgage repayment can be changed depends on different bank regulations. In addition to matching principal and interest, mortgage repayment also includes average capital. With the same loan amount, fixed number of years and interest rate, the total interest of average capital is less than that of average capital. This is also the main reason why many people want to change their repayment.

Generally speaking, mortgage repayment cannot be changed. Because it was a personal repayment, it was not easy to change. However, some banks support changing repayment, but the procedures are complicated.

3. Although most banks don't support changing the convenience of mortgage repayment, if an individual has a certain deposit now and has the ability to pay off the mortgage in advance or return part of the mortgage, he can apply for early repayment.