按揭贷款就是购房者以所购住房做抵押并由其所购买住房的房地产企业提供阶段性担保的个人住房贷款业务。目前我国各商业银行开展的住房按揭贷款一般为购房总额的70%或80%,期限为1至30年。目前商业银行常见的还款方式主要有等额本金还款法、等额本息还款法。本文主要针对这两种还款方式进行讨论。 The mortgage loan is the individual housing loan business that the homebuyer mortgages the purchased housing and the real estate enterprise that purchased the house provides the stage guarantee. At present, all commercial banks in China carry out housing mortgage loans are generally 70% or 80% of the total purchase of a period of 1 to 30 years. At present, the common repayment methods of commercial banks include equal principal repayment method and equal principal and interest repayment method. This article focuses on the two repayment methods for discussion.