Average capital:

Interest: the repayment amount decreases month by month, and the total interest in the same repayment period is less than the equal principal and interest, which is suitable for borrowers who intend to repay in advance; Disadvantages: the initial repayment pressure is high.

Equal principal and interest:

Benefits: the monthly repayment amount is equal, and the repayment pressure is relatively small, which is suitable for borrowers with high repayment pressure; Disadvantages: The total interest in the same repayment period is greater than that in average capital.

You can calculate the monthly payment through the loan calculator on the good loan network, I hope it will help you.