Hello, 1. The average capital repayment method means that the borrower repays the principal in equal amount every month during the loan period, and multiplies the remaining principal by the monthly interest rate to calculate the interest.

2. The calculation formula of the monthly repayment amount in the average repayment method is as follows:

Among them, monthly repayment of principal = loan amount/repayment months;

Monthly interest payment = (principal-accumulated principal repayment) × monthly interest rate.

If you apply for a loan in our bank, the choice of repayment method actually depends on your actual situation. According to the actual situation of different customers, the appropriate repayment method is different. Comparing the interest of the matching repayment method and the average repayment method, the matching repayment method fixes the monthly repayment amount in advance under the condition that the interest rate remains unchanged, which is convenient for you to remember. The repayment method in average capital is to divide your loan principal by matching within the loan term. The monthly repayment of the loan principal is the same because the monthly repayment interest is calculated according to the loan principal. The repayment method in average capital requires higher repayment ability of customers in the initial stage, 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 in the later stage. At the same time, under the condition of constant interest rate and other conditions, the interest paid by equal repayment method will be higher than that paid by repayment method in average capital.

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