One: Use equal principal and interest. Although it is possible to pay a little more interest in the end, it is less than the equivalent principal repayment, which reduces the pressure. After all, wages will rise in the future; Two: monthly repayment. There may be too much backlog of principal and interest at the end of the year, which will cause great repayment pressure. It is better to pay a certain amount of money every month to eliminate the pressure unconsciously. In this process of use, if you have extra deposits and don't want to use them, you must apply for partial repayment of the principal in advance so as to reduce the principal and interest in the future. Three: do it for a long time. The main reason is that the monthly repayment amount will be reduced, and the pressure on myself will be reduced to the maximum extent. In the process of using this fund, it may not take 30 years, but it may be paid off in 10. The long-term purpose is mainly to prevent short-term but delayed repayment due to various reasons.