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Apply for repaying mortgages common in Shanghai both advantages and disadvantages of

We are applying for home loans when Bank staff give us a common payments in two ways: equal principal payments and repayments equivalent, so the two repayment options what are the benefits? What weaknesses?
we talk about equal principal repayment. The advantage of this method of payment is equal to the monthly repayment of the loan principal. While the return of interest payable for the month. With decreasing the total monthly payment, the interest saving more. Its disadvantage is that early repayment pressures, so talk of economic families with good incomes.
followed by periodic repayments. This repayment equal monthly payments and repayment of borrowers is not easy to forget their lines. Its disadvantage is that more interest expenditure.

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