1, average capital loan calculation formula:

Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

The total expenditure of this repayment mode may be reduced relative to the matching principal and interest, but the repayment pressure is greater at first.

2. Matching principal and interest means paying the same amount of loans (including principal and interest) every month during the repayment period.

Monthly repayment amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]≤[( 1+ monthly interest rate )× repayment months]

The characteristics of equal principal and interest repayment method: the principal of equal principal and interest repayment method increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged.

Hope to adopt!