If the monthly repayment pressure is not great, you can choose the average capital to repay the loan, because this is the most economical interest expense. If you are ready to repay the loan in advance, you should choose the average capital to repay the loan, because this is a faster repayment method to repay the principal. If you choose to repay the loan in advance with equal principal and interest, it will definitely cost a lot of interest.

From the perspective of saving money, we should choose the average capital to go back to France anyway! Your monthly income can fully cope with the higher monthly payment of 3000 ~ 4000 yuan. If you have a provident fund, you can also use the monthly provident fund amount of 1 ~ 2000 yuan to repay the loan, which is less stressful.