Monthly mortgage refers to the monthly repayment amount that the lender should pay to the lending bank during the repayment period when purchasing commercial houses and motor vehicles through bank mortgage, including principal and corresponding interest.

Classification:

The repayment methods of mortgage loans in China include: one-time repayment with a loan term of 65,438+0 years, and equal principal and interest repayment with a loan term of more than 65,438+0 years.

Matching principal and interest repayment: the monthly repayment amount is the same, but the principal part increases month by month, while the interest part decreases month by month. During the repayment period, the total amount of interest paid is higher than the repayment method of equal principal.

Average capital: the monthly repayment amount decreases month by month, in which the principal part remains unchanged and the interest decreases month by month. The total amount of interest paid during the repayment period is lower than that of the matching principal and interest method, but the amount of repayment in the early stage (including principal and interest) is higher than that of the matching principal and interest repayment method.

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