There are two repayment methods for monthly mortgage loan: average capital and equal principal and interest. Average capital = total loan/repayment months+(total loan-repaid principal) * monthly interest rate. Matching principal and interest = loan principal × monthly interest rate × (1+monthly interest rate) repayment months ÷ [(1+monthly interest rate) repayment months-1].

There are mainly the following types of loans to buy a house:

1. Housing provident fund loans: For residents who have already paid housing provident fund, low-interest loans from housing provident fund should be the first choice when buying a house with loans.

2. Commercial loan for individual housing: As long as the balance of deposit in the loan bank accounts for not less than 3% of the funds needed for housing purchase, and it is used as the down payment for housing purchase, and assets recognized by the loan bank are used as collateral or pledge, or units or individuals with sufficient compensatory ability are used as guarantors to repay the loan principal and interest and bear joint and several liabilities, then you can apply for bank mortgage loans.

3. Personal housing portfolio loan: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally 1,-29, yuan. If the purchase price exceeds this limit, the insufficient part should be applied to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans.