Hello, the repayment methods of personal loans generally include equal repayment methods and average capital repayment methods. Different loans can choose different repayment methods, which depends on your repayment method. You can check it through the loan contract or online banking.

Compared with the two repayment methods of average capital in terms of monthly payment and final repayment interest, the equal repayment method fixes the monthly payment amount in advance under the condition of constant interest rate, which is easy to remember. The repayment method in average capital is to divide your loan principal into equal parts within the loan term, and the loan principal returned every month is the same. Because the monthly repayment interest is calculated according to the loan principal, the repayment method in the average capital requires the customer's repayment ability at the beginning, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and relatively speaking, the repayment pressure will become smaller and smaller. At the same time, under the condition that the interest rate and other conditions remain unchanged, the interest paid by equal repayment method will be higher than that paid by average capital repayment method.

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