average capital repays the same principal every time, and the interest paid every time decreases with the decrease of the principal; The repayment amount of equal principal and interest is the same every time, but most of the initial repayment is interest, and the principal is relatively small. In the same loan period, the overall interest paid by average capital is definitely less, but the repayment amount will be higher at first. If there is no problem with repayment ability, you should choose the repayment method in average capital.