介绍了个人住房按揭的含义、形式和还贷方式,提出了住房还贷方式的选择策略,认为只有认清各种住房按揭还贷方式,购房者才能在还贷问题上做出明智的选择。 This paper introduces the meaning, form and repayment method of personal housing mortgage and puts forward the strategy of choosing the way of repayment of housing. It is considered that only by recognizing various mortgage repayments, buyers can make wise choices on repaying loans.