You can change the equal principal and interest into average capital. The difference between equal principal and interest and average capital is as follows:

1. Different repayment amounts:

Matching principal and interest during the repayment period, and the monthly repayment amount is fixed; During the repayment period of average capital, the repayment amount in the previous period is higher than the matching principal and interest, and the repayment amount in the following months gradually decreases;

2. The repayment principal is different:

Matching principal and interest repayment method has less principal in the early stage, and the monthly repayment principal gradually increases; Matching principal repayment method has more principal in the early stage, and the monthly repayment principal remains unchanged;

3. Different interest rates:

In the case of the same loan amount, loan interest rate and loan term, the total interest generated by matching principal and interest repayment is higher than matching principal repayment, because the principal repaid in the early stage is less; Because the average capital repayment method pays more principal in the early stage, the total interest is lower than the equal principal and interest repayment method;

4. Different repayment pressures:

The equal monthly repayment of principal and interest is fixed. Under the same loan amount, loan interest rate and loan term, the repayment pressure in the early stage is less than that in the repayment law of average capital. With the same loan amount, loan interest rate and loan term, the monthly repayment amount in the average capital is higher than the matching principal and interest, so the repayment pressure in the early stage is also greater than the matching principal and interest repayment method.

Legal basis: Article 25 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases.

If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds 4 times the market quotation of one-year loan at the time of the establishment of the contract.