You can't turn equal principal and interest into average capital through mobile phones. Once the loan is granted successfully, the repayment method cannot be changed, and only part or all of the prepayment business can be paid off at one time.

2. Can I apply for a mortgage at ICBC with average capital? How to apply? What if ICBC disagrees?

If it is an individual first-hand housing loan, you can generally choose the repayment method of the loan: 1. Equal principal and interest repayment method; 2. Average capital repayment method; 3. Repay the principal and interest every week (two or three weeks); 4. "whatever you want" repayment method; 5. "Check-in return" repayment method. Due to the different business regulations of each branch, please consult the loan bank for details, subject to the notice of the staff. (Answer time: September 4, 2020. In case of business changes, please refer to the actual situation. )

3. Can I apply for a mortgage at ICBC with average capital? How to apply? If ICBC doesn't ...

No matter how you look at it, the total interest on equal principal repayment is low! The bank lets you choose the repayment method with high interest rate because you earn more! However, you should know that if you choose the equal principal repayment, the repayment pressure will be great at first, and it will become smaller and smaller in the future; And the monthly repayment amount of equal principal and interest is the same, so the pressure will not be too great, but the total interest will be much higher than the former!