Of course, farmers can use average capital to repay their home loans, which will not affect their mortgage loans, because it is their own will to choose this method. The repayment formula of equal principal is as follows, please refer to:

1. Quarterly repayment amount = loan principal ÷ number of quarters of loan term+(principal-accumulated repayment amount of principal) × quarterly interest rate.

Second, introduce specific calculation examples, such as taking the loan of 200,000 yuan and the loan term of 10 year as an example:

① Repay the principal in equal amount every quarter: 200,000 ÷ (10× 4) = 5,000 yuan.

② Interest in the first quarter: 200,000× (5.58% ÷ 4) = 2,790 yuan.

③ The repayment amount in the first quarter is 5000+2790=7790 yuan;

④ Interest in the second quarter: (200,000-5,000×1)× (5.58% ÷ 4) = 2,720 yuan.

⑤ The repayment amount in the second quarter is 5000+2720=7720 yuan.

According to the above formula, specific repayment data can be obtained, and by analogy, the specific situation of each year can be calculated.