There are three main repayment methods: repayment of principal and interest on schedule and one-time repayment of principal; Equal monthly principal and interest; Average monthly capital.

The first type: paying interest every month and paying off the principal in one lump sum at maturity.

The second type: the monthly repayment amount is the same.

The third type: the monthly repayment amount is different, first more and then less.

The term depends on the purpose and loan type, whether it is business or consumption, buying a house or buying a car, and it is different.

Interest rates also depend on the purpose and duration.

In addition, different banks have different credit policies, so it is recommended to consult local banks.