Abstract
China's current real estate market development is still uneven in some areas the structural contradiction between supply and demand of housing is more prominent, real estate prices and investment growth, excessive; the real estate market service system is not sound, housing consumption need to expand; real estate development and trading and insufficiently standardized behavior caused housing prices continue to rise, many residents have to purchase by means of loans, this time, purchase loans optimization problem becomes particularly important, it directly affects the quality of life of residents. On the other hand, various commercial banks for house purchase provide the residents with a variety of mortgage a selective manner in which the most economical way, Which way best suited to their needs, which is that each purchase of great concern for the residents, it is is necessary to purchase the loan optimization problems in-depth inquiry.
For the current popularity of social mortgage loans to buy a house on the phenomenon, this paper, the time value of money principle and interest on the theory of knowledge, the repayment of housing loans to individuals way were discussed. The borrower can not simply the size of the total repayment to distinguish the pros and cons of various payment methods, payment methods should be determined varies.
[Key Words]：home loans；equal increments repayment method；equal principal amount of diminishing law；matching principal and interest repayment method
