The difference between the equal (principal and interest) repayment method and average capital repayment method: under the condition that the national benchmark interest rate remains unchanged, the total monthly repayment amount of equal repayment remains unchanged, which is convenient for you to remember, in which the principal part increases month by month, the interest part decreases month by month, and the repayment pressure is relatively small; The total monthly payment of average capital decreases month by month. At first, the repayment principal will be more, and the repayment pressure will be greater, but the overall interest will be less than the former. Which specific repayment method is good, I suggest you choose according to your own situation.