This is the mainstream repayment method at present. In this way, the same amount will be paid every month, and the amount of principal and interest will be different, and the amount of principal in the early stage is greater than the amount of interest; The amount of interest paid later is greater than this amount.

This repayment method is suitable for loan applicants with stable income, and it is more convenient to arrange income and expenditure; Its disadvantages are that the amount of interest paid is relatively large, the interest will not decrease with the decrease of principal, and the total interest on repayment is high. .