Repaying the principal means repaying the loan principal every month, and the interest is calculated according to the remaining loan principal; Repaying the principal and interest is to repay the principal and interest on a monthly basis, and the monthly repayment amount remains unchanged, but the interest is more in the early stage of repayment, and gradually tends to return the principal in the later stage. In fact, which repayment method is better depends on the loan principal, years, interest rate and other factors. For borrowers with stable income and sound economic strength, repayment of principal and interest can spread the burden to the whole repayment period, while the repayment of principal has less pressure in the early stage, but the repayment burden left for the later stage will be greater. However, for people with zero down payment and just need to buy a house, they can choose to use the principal repayment method to reduce the monthly supply pressure first, and then choose the principal and interest repayment method later to optimize the repayment plan.