"When it comes to the knowledge of mathematical average calculation, repaying the principal in installments is equivalent to gradually reducing the principal. According to the knowledge of mathematical arithmetic progression average, the average is =(a 1+an)/2, the initial principal is the loan amount, and finally it is 0, so the average usage of funds is equal to the loan amount /2.

For example, if the loan is 1 10,000, the interest is 200,000, the principal and interest are 1 0.2 million, and 1 10,000 will be repaid in the first month, which is equivalent to 1 10,000, and the debtor will pay it off in only1month. By analogy, the weighted average of the whole year, the actual use of funds is only about half of the loan principal.

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