1, matching method, the advantage is that the borrower can accurately grasp the monthly repayment amount and arrange the monthly household income and expenditure in a planned way, which is more convenient and easy to remember. The disadvantage is that the total interest expenditure is relatively high, which is suitable for customers with stable income and little change in expected income.

2. This method, also known as the diminishing repayment method, has the advantage that the interest expense is relatively small, but the disadvantage is that the monthly repayment amount is gradually reduced, and the pressure of repayment in the early stage is greater, which is suitable for customers who currently have higher income to buy a house for self-occupation or whose monthly repayment amount accounts for a small proportion of the family's monthly income according to the equal repayment method, but their expected income is uncertain;

3. The advantage of mobile (wave) repayment method is that the repayment amount can be designed according to the expected income change and financial situation, and the interest expenditure is the least. The disadvantage is that it has higher requirements for the purchased real estate and loan applicants, and is suitable for customers who buy a house for rent or investment.

Legal basis: Article 2 of the Measures for the Administration of Individual Housing Loans.

Personal housing loan (hereinafter referred to as loan) refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.