The average capital refers to the average repayment of the total loan and the monthly repayment of the fixed principal during the repayment period. However, with the reduction of principal repayment at any time, the interest paid every month will also decrease.

Equal principal and interest is to split the principal and interest into several parts and pay the same principal and interest every month.

The average capital and matching principal and interest are the same, but the interest will be different.