This loan does not include any capitalrepayment at all, so the capital does not reduce unless you overpay each month, or you set up some other savings, such as an individual savings account (Isa), to grow over the years to repay the loan.
It involves comparing the interest and premiums you have actually paid on your endowment mortgage with the interest and capital repayments you would have paid on an equivalent repayment mortgage.
Depending upon the amount of registered capital invested, the foreign shareholder may make shareholder loans to the WFOE, with payments of interest and repayment of principal not subject to profitability.