A. Equal principal and interest repayment

The repayment sum of each term (month) made by the borrower will be the same on condition that the loan rate is not changed. Principal and Interest are included in the repayment of each term while the proportion of them changes: The proportion of principal increases and that of the interest decreases according to the terms.

B. Equal principal repayment

During the term of repayment, the principal of each term is the same and the interest decreases with remain terms. Repayment sum of each term in this method decreases with remain terms.

C. Decreasing repayment

During a certain period of the term, the repayment sum of each term is the same and then in the later terms of repayment, a certain sum has been decreased from it at the customer’s own discretion. This is called decreasing payment.

D. Increasing repayment

During a certain period of the term, the repayment sum of each term is the same and then in the later terms of repayment, a certain sum has been added to it at the customer’s own discretion. This is called increasing payment.

E. Curve repayment

The borrower may divide the term of repayment into several terms and determine the sum to be paid in each of such terms according to the actual situation. He/She may choose to repay more in the first terms and repay less in the latter terms or vise versa and he/she may even stop repayment in a certain period of time. The virtue of this method is that it can avoid conflict between income and expenditure by taking the private income curve and repayment curve into account.

F Anytime repayment

The borrower who has opened both housing mortgage loan account and savings account may have the two accounts related. During the term of repayment, the repayment sum of each term may be made in advance through several channels such as counter, internet bank and help-self inquiry machine (After the setting of a balance in the savings account , repayment of the loan will be made automatically in each month). The borrower may withdraw the sum which has been repaid if necessary.