Equal principal and interest, average capital and one-time principal and interest repayment. Personal consumption loan of China Postal Savings Bank is a kind of personal consumption loan with mortgage in Jinan. There are three ways to recover personal consumption loans of Postal Savings Bank: equal principal and interest, average capital and one-time repayment of principal and interest. Personal comprehensive consumption loan of Postal Savings Bank is a RMB loan for various legal consumption purposes issued by China Postal Savings Bank to natural persons under the maximum mortgage revolving credit line.