On social media platforms, the 'interest only before principal' mortgage repayment method of banks is causing a stir. During the research process, the journalist found that many banks including Ping An Bank, China Construction Bank Corporation, Industrial Bank, Shanghai Pudong Development Bank have launched the 'interest first, principal later' business. A loan officer at a branch of Ping An Bank said to the journalist, 'everyone has been promoting 'interest only before principal' in the past couple of years.' Prior to this, Ping An Bank promoted their mortgage loan business with the unique repayment method of 'two-stage repayment': customers can pay only the interest monthly for the first three years, without having to repay the principal, and pay equal principal and interest monthly for the remaining loan period. The requirements for this business are that the loan term should not be less than 10 years or more than 30 years. This business has already covered areas including Shanghai, Guangzhou, Chengdu, Hangzhou, Chongqing, Dalian, Xiamen and other regions. (CN gold cattle)